Getting approved for an Amazon credit card can save you a lot of money on your online shopping Amazon offers two different credit cards – the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card Both cards offer generous rewards and benefits for shopping on Amazon.com and Whole Foods.
But like any other credit card, you’ll need good enough credit to qualify for approval. So what credit score do you need to get an Amazon credit card? Let’s take a look.
How Credit Scores Work
When you apply for any credit card the issuer will check your credit report and score to determine if you’re a good lending risk.
Your credit score is a three-digit number ranging from 300 to 850 that summarizes your credit history. The most commonly used credit score is your FICO score. FICO scores take into account factors like:
- Payment history (35% of your score)
- Credit utilization (30%)
- Length of credit history (15%)
- New credit accounts (10%)
- Credit mix (10%)
Higher scores indicate lower lending risk Excellent credit is generally 720 or above, Good credit is in the 670-719 range, You’ll usually need good or better credit to qualify for most credit cards,
Amazon Credit Card Requirements
For the Amazon Prime Rewards Visa, you’ll need good credit – a score of 670 or higher. But keep in mind that approval isn’t guaranteed even if you have excellent credit. The card issuer also considers factors like your income, existing debt levels, and number of recent credit applications.
According to WalletHub, the minimum requirements for the Amazon Prime Rewards Visa are:
- Credit score of 700 or higher
- Enough income to afford the monthly payments
- At least 18 years old
- Social Security number
- U.S. address
The Amazon Rewards Visa has similar requirements, though you may be approved with a slightly lower credit score since it doesn’t require an Amazon Prime membership.
How to Improve Your Credit Score
If your credit score needs a boost before applying, here are some tips:
-
Pay all bills on time. Payment history has the biggest impact on your scores. Set up autopay if you tend to forget due dates.
-
Lower credit utilization. Don’t max out cards and keep balances low compared to your credit limits.
-
Avoid new credit applications. Each application causes a hard inquiry that can ding your scores temporarily. Space out applications by 6-12 months.
-
Monitor credit reports. Check reports regularly for errors or suspicious activity. Dispute any inaccuracies with the credit bureaus.
-
Mix up credit types. Having installment loans (like an auto or student loan) along with credit cards shows you can handle different types of credit.
With time and good financial habits, your credit can improve substantially. Many cards require applicants to wait if they’ve been recently denied, so focus on boosting your scores before reapplying.
Amazon Credit Card Options
Here are the two Amazon cards and their basic requirements:
Amazon Prime Rewards Visa Signature Card
- Credit Needed: Good to Excellent, 670+
- Annual Fee: $0
- Welcome Bonus: $200 Amazon gift card upon approval
- Rewards:
- 5% back on Amazon and Whole Foods
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
This card has excellent rewards for Prime members. But you must pay the $139 annual fee for a Prime membership to qualify for approval and earn rewards.
Amazon Rewards Visa Signature Card
- Credit Needed: Good, 650+
- Annual Fee: $0
- Welcome Bonus: $50 Amazon gift card upon approval
- Rewards:
- 3% back on Amazon and Whole Foods
- 2% back at gas stations, restaurants, and drugstores
- 1% back on all other purchases
With slightly lower rewards, this card doesn’t require a paid Prime membership. It’s a good option if you don’t shop on Amazon frequently.
Pre-Qualification Can Help Your Chances
Neither Amazon card offers pre-approval, but you can check for pre-qualified offers. Pre-qualification uses a soft credit check that doesn’t affect your scores. If pre-qualified, your actual approval chances are very high.
You can check for Amazon pre-qualified offers a few ways:
- Look for offers on Amazon’s website or app
- Check the offers section of your Amazon account
- Look for emails or physical mail offers from Amazon
Pre-qualification isn’t a guarantee of approval, but it can give you an idea of whether you’re likely to qualify. If you aren’t pre-qualified, that doesn’t necessarily mean denial, but your odds are lower.
Alternatives to Build Credit
If you can’t qualify for an Amazon card yet, there are other options to build your credit:
-
Secured credit cards require a refundable security deposit and are easier to qualify for. They help establish positive payment history.
-
Retail store cards from places like Walmart or Target generally have lower credit requirements. Manage these carefully to avoid high utilization.
-
Become an authorized user on someone else’s card to benefit from their positive payment history.
-
Credit-builder loans are available from some credit unions and lenders. You receive the money only after successfully repaying the loan.
-
Student credit cards are designed for those with little or no credit history. They tend to have low limits but can help new credit users establish good habits.
The Bottom Line
Amazon credit cards offer generous rewards, especially for Prime members who spend a lot on Amazon. To qualify, you’ll generally need a minimum credit score in the good to excellent range. Checking for pre-qualified offers can help your chances since pre-approval is not available. If you don’t quite meet the requirements yet, there are other ways to build your credit and qualify down the road.
Find the best credit card for you
Shoppers who are looking for more ways to save should consider signing up for the Prime Visa card (see rates and fees).
While this no-annual-fee credit card is only available to consumers who already have an Amazon Prime membership — which currently costs $139 annually or $14.99 per month, with discounted pricing for students and those receiving government assistance — new cardholders can take advantage of a lucrative welcome bonus thatll at least help offset part of that expense for your first year: $200 Amazon Gift Card instantly upon approval exclusively for Prime members.
You can receive an instant $200 Amazon gift card upon approval with no spending requirement.Credit score
Good to Excellent670–850Regular APR
19.49% – 28.24% variableAnnual fee
$0 (but Prime membership is required)Welcome bonus
Get a $200 Amazon Gift Card
See rates and fees. Terms apply. Member FDIC.
The Prime Visa is only available to Amazon Prime members ($139 for an annual membership and $14.99 for a monthly membership) but is very rewarding for Amazon purchases.
- High rate of return at Amazon and Whole Foods
- Easy-to-earn welcome bonus
- Requires an Amazon Prime membership
- If you choose the promo APR you wont earn rewards on those purchases
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Selects editorial staff.
- Special Offer: Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Either $5 or 4% of the amount of each transfer, whichever is greater
Cardholders also receive unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, as well as unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) and 1% back for all other purchases. Youll also be able to score 10% or more back on Amazon.com limited-time offers, based on rotating spending categories and products, and wont have to worry about paying foreign transaction fees for using the card abroad. These reward rates make it the best credit card to use when shopping at Amazon.
Below, CNBC Select looks at what kind of credit score youll need to qualify for the Prime Visa, as well as another Amazon credit card that could help you earn rewards for all your purchases with the popular online retailer.
What credit score do you need to get the Prime Visa card?
Generally, credit card issuers will look at your credit score, income, recent credit applications and credit history when approving you for a new card. Keep in mind that while your FICO credit score is one of the most important factors, it is not the only one thats taken into consideration.
- Payment history (35%) — If youve made your previous payments on time
- Amounts owed (30%) — Your credit utilization ratio, or the ratio of the amount of credit youre using to the amount thats been extended and owed on your accounts
- Length of credit history (15%) — The amount of time youve had credit
- New credit (10%) — How often you open new accounts
- Credit mix (10%) — Whether you have different types of credit, such as installment loans or revolving lines of credit
Issuers will typically consider your FICO 8 score, one of the most widely used scoring models, which ranges from 300 to 850. Higher scores indicate a greater level of creditworthiness, or, the likelihood that a cardholder will be able to pay their bill on time and in full.
- Very poor: 300 to 579
- Fair: 580 to 669
- Good: 670 to 739
- Very good: 740 to 799
- Excellent: 800 to 850
For the Prime Visa, youll likely need a good credit score (670 or above) to qualify. Having a good credit score does not necessarily guarantee youll be approved, but the higher it is, the more it does improve your chances.
In order to maintain a good FICO score, be sure to make your other credit payments on time and in full, keep a low credit utilization ratio and limit the number of credit applications you are submitting.
What Credit Score Do You Need For Amazon Credit Card? – CreditGuide360.com
FAQ
Can you get an Amazon credit card with a 600 credit score?
Typically, you can qualify for Synchrony’s Amazon Store Card with a fair credit score (580 to 669).Apr 17, 2025
Is an Amazon credit card hard to get?
What is the minimum credit score for an Amazon card?
To get approved for this card, you’ll need to have a good credit score of at least 670, though having a higher one certainly won’t hurt your chances.
What credit card can I get with a 600 credit score?
What credit score do you need for Amazon Prime?
According to the company, an applicant is more likely to be approved if their credit score is at least 640. However, a higher credit score increases the likelihood of approval even further. Amazon Store Card members who join Amazon Prime earn 5% back on all purchases.
Do you need a credit score to get Amazon credit card?
If you’re interested in signing up for an Amazon credit card, you’ll need to have this credit score. Shoppers who are looking for more ways to save should consider signing up for the Prime Visa card.
Does Amazon accept credit cards?
“ They have lots of machines of all different sizes, accept credit cards, have tvs, seating areas, and free wi-fi! ” in 33 reviews NEW Customer Appreciation Raffle !! $50 Amazon gift card raffle, random drawing every Monday. Open to all customers doing a load of laundry.