If you frequently shop on Amazon, getting an Amazon credit card can help you earn rewards on your purchases. One popular option is the Amazon Prime Rewards Visa Signature Card from Chase This card offers 5% back on Amazon and Whole Foods purchases, making it a great choice for avid Amazon shoppers
But what credit score do you need to qualify for this card? Let’s take a look
An Overview of the Chase Amazon Prime Rewards Card
The Amazon Prime Rewards Visa Signature Card is designed for people who have an Amazon Prime membership Key features include
- 5% back at Amazon.com and Whole Foods Market
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
- No annual fee (but you do need a $139/year Prime membership)
- $100 Amazon gift card upon approval
As you can see, this card offers excellent rewards on Amazon purchases. But you do need to have a Prime membership to be approved.
What Credit Score Is Needed?
In general, you’ll need good to excellent credit to qualify for the Amazon Prime Rewards Card.
According to credit forums and blogs, most people approved for this card had credit scores in the 680 to 850 range. However, a few people with scores around 640 were also approved.
So while you don’t need perfect credit, your chances will be higher if your score is over 700. Here’s a quick overview of the recommended credit scores:
- Excellent credit (720+): Very high chance of approval
- Good credit (680-719): High chance of approval
- Fair credit (640-679): May be approved but less likely
- Poor credit (below 640): Very unlikely to be approved
As you can see, a credit score of at least 680 is recommended for the best approval odds. But you might have a shot with a score in the mid 600s.
Factors That Impact Your Credit Score
Your credit score is calculated based on several factors in your credit report. Here are some of the main factors that influence your score:
- Payment history: Whether you pay your bills on time. This has the biggest impact on your score.
- Credit utilization: The percentage of available credit you’re using. Keeping this below 30% helps your score.
- Credit history length: How long you’ve had credit accounts open. Longer histories tend to help.
- New credit applications: Opening too many new accounts can lower your score if done excessively.
Building a strong credit score requires developing positive habits over time. Pay all your bills on time, use credit judiciously, and let your accounts age. With diligent credit management, you can reach a score of 700+.
Tips for Improving Your Credit Score
If your credit score isn’t quite where it needs to be, here are some tips that may help boost it:
- Review your credit reports for errors and dispute any inaccurate information.
- Pay down balances to decrease your credit utilization ratio.
- Become an authorized user on someone else’s credit card to benefit from their positive history.
- Open a new credit card or loan and make all payments on time.
- Limit new credit applications to avoid too many hard inquiries on your report.
With time and smart credit habits, you can improve your score and be in a better position to qualify for the Amazon card. Monitor your credit with free services to track your progress.
Alternatives With Lower Credit Requirements
If your credit isn’t up to par yet, there are a couple of other Amazon cards you may have better odds of being approved for:
-
Amazon Store Card: No preset credit score requirement and easier to get than Visa/Mastercards. But can only be used at Amazon.
-
Amazon Secured Card: Requires security deposit and is targeted at those trying to build/rebuild credit.
While these cards don’t offer as rich rewards as the Prime Rewards Visa, they can be good interim options until your credit improves. The key is using them responsibly by paying on time and keeping balances low.
Pre-Qualification Can Help Assess Your Chances
Before formally applying, you may want to see if you pre-qualify for the Prime Rewards Visa. Amazon and Chase provide a pre-qualification tool that performs a soft credit check to estimate your approval odds without impacting your score.
It’s not a guarantee, but pre-qualification can give you a sense of whether your credit score meets the threshold for approval. Pre-qualifying also lets you review the card details ahead of time.
The Bottom Line
A credit score of around 680 seems to be the sweet spot for improving your odds of approval for the popular Chase Amazon Prime Rewards Visa. Excellent credit over 720 gives you the highest chances.
While not required, having established Prime membership history with Amazon can also help during the application process. If your score isn’t high enough yet, focus on building healthy credit habits. With time and diligence, you can reach the score needed to qualify.
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It may take years to fully rebuild your credit from bad to good, or excellent, depending on where you started and what your expectations are. But you can see improvement in your score within months if you make the right moves. To start, get your free personalized credit analysis from WalletHub. We’ll pinpoint the weak areas in your credit profile and give you advice on how to improve. And that will give you a sense of what kind of timeline you’re looking…
The fastest ways to improve your credit score are to pay down your balances, dispute incorrect information on your credit report, make more frequent payments, and reduce credit utilization. Credit utilization (how much of your credit limits you use each month) contributes to a portion of your credit score that accounts for 20% – 30% of your overall score. So, an adjustment there can result in a big credit boost pretty quickly. Similarly, you can dispute…
A numeric representation of your credit history and creditworthiness. Some people may refer to it as the FICO Score, which is the most popular type of score.
Nevertheless it is important to know that there are thousands of credit scores and a lot of lenders also build and use their own proprietary scores.
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Sebi Mitchell , Credit Cards Moderator
The Amazon Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Amazon Credit Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amazon Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Amazon Credit Card credit score requirement. You can check your credit score for free on WalletHub. This answer was last updated on 02/19/25 and it was first published on 08/04/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Amazon Credit Card Review 2024 – Amazon Visa and Amazon Prime Visa ( Chase )
FAQ
What credit score is needed for an Amazon Chase 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.
Can I get an Amazon Credit Card with a 580 credit score?
Typically, you can qualify for Synchrony’s Amazon Store Card with a fair credit score (580 to 669).
Is it hard to get a Chase Amazon Credit Card?
The Amazon Credit Card and the Prime Visa are fairly hard to get because you need at least good credit (a 700+ credit score) to have good approval odds. The Amazon Store Credit Card and the Amazon Secured Credit Card are much easier to get.
Can I get a Chase credit card with a 600 credit score?
Credit cards for those with a 600 credit score
With a score in this range, you may be able to get some access to cards (including student credit cards) but you will start to see limitations to what those cards offer. For example, your APR could be higher and you might not get as many rewards or cash back opportunities.