Does Amazon Credit Card Have an Annual Fee?

Amazon offers multiple credit card products, and whether you'll pay an annual fee depends entirely on which card you're considering. The short answer: some Amazon cards charge no annual fee, while others do. Understanding the differences matters before you apply. 💳

The No-Fee Option: Amazon Prime Rewards Card

Amazon's flagship Amazon Prime Rewards Visa Signature card carries no annual fee. This card is available to Prime members and non-members alike, though Prime members receive additional rewards benefits. The lack of an annual fee is one of its core selling points—you can hold the card indefinitely without paying to maintain it, even if you don't use it.

This is worth noting because many store cards and rewards cards do charge annual fees, sometimes in the $95–$450+ range. Amazon's decision to offer a no-fee option makes comparison easier.

Store-Branded Cards: The Distinction

It's important to separate Amazon's co-branded credit cards (issued with Visa or other networks) from Amazon Store Card, a different product line designed specifically for Amazon purchases. Store cards typically have different fee structures, rewards rates, and eligibility requirements than traditional credit cards.

If you're looking at an Amazon store card product rather than a Visa card, the fee structure may differ. You'd want to check the specific terms for that particular product.

What to Check Before Applying

When evaluating any Amazon credit card, look for:

• Annual fee disclosure in the terms and conditions
• Whether the card requires an active membership to maintain (Prime membership is separate from a credit card fee)
• Bonus categories and rewards rates, since cards without annual fees often have more limited earning potential
• Additional benefits like extended warranties, purchase protection, or travel benefits that might offset an annual fee if one exists

The Real Variables

Your decision shouldn't hinge on the annual fee alone. Consider:

• How often you'll use it: A card with no fee but lower rewards rates may cost you more in foregone benefits than a fee-based card with higher earning potential
• Where you shop: Cards earn at different rates depending on category (Amazon purchases, grocery, gas, dining)
• Your credit profile: Different cards have different approval standards
• Other card benefits: Some cards offer perks like cell phone protection, travel insurance, or concierge services

The absence of an annual fee is a feature, not automatically a reason to choose a card. It simply removes one cost barrier, allowing you to evaluate the card on its rewards, benefits, and how well it fits your spending.