What Credit Score Is Needed for the Amazon Credit Card?

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Consumers with an Amazon credit card can save even more on and off the website by taking advantage of cash-back rewards. Cardholders earn 5% back at Whole Foods Market with a Prime membership; 2% at restaurants, gas stations and drugstores; and 1% back on all other purchases. 

What Credit Score Must You Have To Qualify for the Amazon Credit Card?

The answer depends on which credit card the cardholder applies for. Amazon offers two credit card options:

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Remember that meeting minimum credit score requirements helps applicants get approved, but it isn’t a guarantee of approval. Credit card companies typically use a wide range of qualifications to make approval decisions. 

What Are the Benefits of Having an Amazon Credit Card?

Amazon credit cards come with several cardholder benefits, including:

Other Factors Lenders Consider

Most lenders use various factors to determine which applicants receive their credit cards. This means they may decline some applicants with excellent credit. Here are the most important factors lenders typically consider other than credit scores:

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Good To Know

Consumers with poor credit scores who have difficulty getting approved for the Amazon credit card or any other credit card don’t have to settle. These consumers can build their scores to the credit score needed for an Amazon card membership. 

Those struggling with poor credit should start by getting a copy of their credit reports and working to rectify the cause of their poor credit scores. Secured credit cards can also help improve credit scores if consumers use them wisely. 


Potential applicants often have questions about the Amazon credit card. Some of the most common questions include:
  • What bank issues the Amazon credit card?
  • Is there an annual fee for the Amazon credit card?
    • The Amazon credit card doesn't have an annual fee.
  • Is it easy to get a credit card with Amazon?
    • The Amazon Store Card is easy to get if the applicant has a credit score of at least 640, which most lenders consider fair credit.
    • However, Amazon designed the Amazon Rewards Visa credit card for applicants with better credit history. An average credit score of 650 is recommended for approval, which is generally accepted as fair to good credit.

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