The Amazon Store Card is a credit card that can be used to purchase most of the items sold by Amazon.com.
Note, though, that it cannot be used to buy digital newspaper and magazine subscriptions, games and software downloads, and Amazon Prime memberships.
| Note: This information on this page was correct at the time of writing, but you must check the Amazon.com website to make sure you have the most up-to-date information. |
Applying For An Amazon Store Card
You can apply online in just a few minutes (although you will need to sign in to your Amazon.com account first), and you will get a response in as little as 30 seconds.
Current requirements for getting an Amazon Store Card include being a US resident, having a US Social Security Number or a US Individual Taxpayer Identification Number, and being at least 18 years old (or 19 in some states, such as Alabama and Nebraska).
And once you’ve been approved, you can begin using your new card immediately. (You’ll also receive your account number and credit line by mail approximately 7 – 10 business days after your account has been approved.)
Amazon Store Card Benefits
So, what benefits do you receive from having one of the Amazon store credit cards?
Well, the main benefits are as follows:
Access To Exclusive Financing Offers
If your purchase totals $149 USD or more, then you can get 6 month financing.
If your purchase totals $599 USD or more, then you can get 12 month financing.
And on select Amazon sold items, you can even get 24 month financing.
Note that there are terms and conditions attached to these financing offers, and we strongly recommend that you read them first.
No Annual Fee
That’s right – there is no annual fee when you get an Amazon Store Card.
However, you do need to make sure you are aware of the interest rates that apply, so again, please read the terms and conditions thoroughly, although the good news is that, at the time of writing this article, their rates are very reasonable compared to many in store credit cards.
Zero Fraud Liability
As at the time of writing this, you will not be held liable for any charges should your card be used without your authorization. Note that this does not apply in cases where you have given somebody else (e.g. a family member) to use your card – in such situations, you will be liable for all purchases made by that person.
How To Use Your Amazon Store Card
When placing your order on Amazon.com, you simply select your Amazon Store Card as the payment method during the check-out process.
How To Make An Amazon Store Card Payment
You’ll receive a bill every month, and you can choose whether you want to pay off the entire amount, or whether you want to carry a balance on your account (which will, of course, attract finance charges).
When it’s time to make a payment, you just visit the Amazon.com Store Card page and follow the links to manage your account online.
Amazon Store Card Customer Service
The Amazon Store Card is currently operated by GE Capital, so if you have any questions about special financing promotions or specific charges on your statement, you would need to contact them, not Amazon.com.
Contact details are available here.
Other Options
As an alternative to the Amazon Store Card, you might also like to consider applying for the Amazon.com Rewards Visa Card, where you can earn rewards points on most purchases made using the card.
