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Credit Score Needed for Amazon Card: Complete Guide 2025
July 1, 2025
Getting approved for an Amazon credit card can be a great way to earn rewards on your everyday purchases, but understanding the credit score requirements is crucial for a successful application. This comprehensive guide will break down everything you need to know about qualifying for different Amazon credit cards and how to improve your chances of approval.
What Are Amazon Credit Cards?
Amazon offers several credit card options through two different issuers: Chase and Synchrony Bank. The main options include:
- Amazon Prime Visa Signature Card (issued by Chase)
- Amazon Store Card (issued by Synchrony Bank)
- Amazon Prime Store Card (issued by Synchrony Bank)
Credit Score Requirements for Different Amazon Cards
Amazon Prime Visa Signature Card Requirements
For the Chase-issued Amazon Prime Visa Signature Card, you typically need a good to excellent credit score, ranging from 670 to 850. This open-loop card offers the most flexible rewards and can be used anywhere Visa is accepted.
Amazon Store Card Requirements
The Synchrony Bank-issued Amazon Store Card has more lenient credit requirements, typically accepting fair credit scores of 580 or higher. This closed-loop card can only be used for Amazon purchases.
Factors That Affect Your Amazon Card Approval
While credit score is important, several other factors influence your approval odds:
- Income and Employment Status: A stable income and employment history strengthen your application
- Existing Debt Load: Your debt-to-income ratio plays a crucial role
- Recent Credit Inquiries: Too many recent applications can hurt your chances
- Number of Open Accounts: Your credit mix and account history matter
- Housing Status: Stable housing history can positively impact approval odds
Comparing Amazon Credit Card Options
Amazon Prime Visa Signature Card
- Requires good to excellent credit (670+)
- No annual fee (requires Prime membership)
- 5% back on Amazon.com purchases
- Welcome bonus available
- Can be used anywhere Visa is accepted
Amazon Store Card
- Accepts fair credit (580+)
- No annual fee
- Special financing options available
- Can only be used at Amazon
- Promotional financing offers
How to Improve Your Approval Chances
If your credit score isn't quite where it needs to be, consider these steps:
- Check your credit report for errors
- Make all payments on time
- Reduce existing debt
- Avoid new credit applications
- Keep old accounts open
- Monitor your credit score regularly
Consider Using Kudos to Maximize Your Rewards
While applying for an Amazon credit card can be beneficial, savvy shoppers are increasingly turning to Kudos, a free AI-powered browser extension that helps maximize credit card rewards. Kudos works with over 15,000 stores and automatically suggests the best card to use for each purchase, potentially multiplying your rewards up to 5X during special Flash Boost events.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The credit score needed for an Amazon card varies depending on which card you choose. While the Prime Visa Signature Card requires good to excellent credit, the Store Card is more accessible to those with fair credit. Remember to consider all factors beyond just credit score when applying, and consider using tools like Kudos to maximize your rewards across all your credit cards.
Amazon Credit Card FAQ
What is the minimum credit score for an Amazon Prime Visa card?
The minimum credit score typically needed is 670, though approval isn't guaranteed.
What credit score do I need for an Amazon Store Card?
You generally need a fair credit score of 580 or higher for the Amazon Store Card.
Can I get an Amazon card with bad credit?
While it's challenging, you might qualify for the Amazon Store Card with a score as low as 580.
Does applying for an Amazon card hurt my credit score?
Yes, applying results in a hard inquiry which may temporarily lower your credit score by a few points.
What's the difference between Amazon Store Card and Prime Store Card?
The Prime Store Card offers better rewards and requires an Amazon Prime membership, but both have similar credit requirements.
How long should I wait to reapply if denied?
It's recommended to wait at least 6 months while working on improving your credit score.
Supercharge Your Credit Cards
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
