The Two Amazon Credit Cards and How to Get Them
Amazon offers two credit cards through Chase: the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card. The Prime version requires an active Prime membership and gives higher rewards on Amazon purchases. The standard version has no membership requirement but earns lower rewards rates. Both are issued by Chase, and you request one directly through Amazon's website or through Chase's website.
The process is straightforward: you fill out an online form with your personal and financial information, Chase reviews your credit profile, and you get a decision within minutes to a few days. If approved, the card arrives by mail within 7 to 10 business days. If denied, you can request reconsideration or try again after your credit profile changes.
Key Takeaways
- Amazon offers two Visa cards through Chase: one for Prime members with higher rewards, one for anyone with lower rewards rates.
- You request the card through Amazon.com or Chase.com, and Chase makes the approval decision based on your credit score, income, and credit history.
- Approval decisions usually come within minutes to a few days, and approved cards arrive within 7 to 10 business days.
- Both cards charge no annual fee and offer cash back on Amazon purchases, though the Prime version offers higher rates.
What Information You Need Before You Request
Have your Social Security number, current address, phone number, and email ready. You will also need to provide your annual income and employment status. Chase will ask whether you rent or own your home and may ask for details about other credit accounts you hold.
If you are requesting through Amazon.com, you will need to be signed into your Amazon account. If you request through Chase.com, you can start the process without an Amazon account, though you will link them later if approved.
How to Request Through Amazon.com
Log into your Amazon account and go to the "Your Account" menu. Select "Login & Security" or scroll to find the credit card offer section — Amazon displays these offers to may be able to access customers on the homepage or in account settings. Click the card you want (Prime Rewards or standard Rewards) and select "Request Now" or "Learn More and Request."
You will be taken to a Chase process page. Fill in your personal details, income, and employment information. Review the terms and conditions, then submit. Chase will show you a decision on screen or tell you they need more time to review. If approved, your card number appears when ready, though the physical card takes 7 to 10 business days to arrive.
How to Request Through Chase.com
Go to Chase.com and search for "Amazon credit card" or navigate to the credit cards section. Select the Amazon Prime Rewards or Amazon Rewards card. Click "Request Now" or "explore Now" and fill in the same information: name, address, Social Security number, income, and employment details.
Chase will make a decision within minutes to a few days. You do not need an Amazon account to request, but you will need one to use the card's rewards features. If approved, link your new card to your Amazon account in "Your Account" settings so your purchases earn rewards automatically.
What Chase Looks At When Deciding
Chase reviews your credit score, payment history, income, and existing debt. A higher credit score (generally 670 or above) makes approval more likely, though Chase does approve applicants with lower scores depending on income and payment history. If you have recent late payments, collections accounts, or very high debt relative to income, Chase is more likely to deny the request.
Chase also looks at how many credit cards you have requested recently. Multiple requests in a short time can lower your approval odds. If you are denied, you can wait 30 to 90 days, improve your credit profile, and request again.
Rewards Rates and Annual Fees
The Amazon Prime Rewards Visa Signature Card earns 5% cash back on Amazon.com and Amazon Fresh purchases (up to $1,500 per year, then 1% after), 2% at restaurants, gas stations, and drugstores, and 1% on all other purchases. It has no annual fee but requires an active Prime membership.
The Amazon Rewards Visa Signature Card earns 3% cash back on Amazon.com and Amazon Fresh purchases, 2% at restaurants, gas stations, and drugstores, and 1% on all other purchases. It also has no annual fee and requires no Prime membership. Cash back is deposited as an Amazon.com credit that you can use toward purchases.
What Happens After Approval
Once approved, Chase issues a temporary card number when ready that you can use online right away. The physical card arrives within 7 to 10 business days. When it arrives, set up it by calling the number on the back or through the Chase mobile app.
Link the card to your Amazon account so purchases earn rewards automatically. You can also use the card anywhere Visa is accepted, though rewards are highest on Amazon and Amazon Fresh purchases. Your monthly statement arrives by email or mail, and you pay through your bank's bill pay, Chase's website, or the Chase mobile app.
Frequently Asked Questions
Do I need a Prime membership to get the Amazon credit card?
No. Amazon offers two versions: the Prime Rewards card requires an active Prime membership and earns higher rewards, while the standard Amazon Rewards card has no membership requirement. You can request whichever fits your situation.
What credit score do I need?
Chase does not publish a minimum, but approval is more likely with a score of 670 or higher. Applicants with lower scores are sometimes approved if income is strong and payment history is clean. If denied, check your credit report for errors and wait 30 to 90 days before requesting again.
Can I use the card before the physical card arrives?
Yes. Chase gives you a temporary card number when ready after approval that works online and through mobile payment apps. The physical card takes 7 to 10 business days but is not required to start using the card.
What if I am denied?
You can request reconsideration by calling Chase at the number in your denial letter within 30 days. If reconsideration does not work, wait 30 to 90 days, check your credit report for errors, and request again. Each request triggers a hard inquiry, so space them out.
Can I have both the Prime and standard Amazon cards?
Chase typically limits customers to one Amazon credit card at a time. If you hold one and request the other, Chase may deny the second request or ask you to close the first one.