How to Get an Amazon Credit Card: Requirements, Application, and What to Know

Amazon offers two primary store card options: the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card. Both are issued by Chase. Understanding what each card requires and how to apply helps you decide whether one fits your financial profile.

What You Need to Know Before Applying

Getting approved for an Amazon credit card depends on several key factors that issuers evaluate:

Credit profile. Applicants typically need an established credit history—though "established" varies by lender. This usually includes a credit score in a reasonable range, a track record of on-time payments, and manageable existing debt. Your specific credit score threshold isn't publicly stated by Chase, so different applicants will have different approval odds.

Income and employment. You'll need to demonstrate ability to repay. During the application, you'll report household income and employment status. Lenders use this alongside credit data to assess risk.

Age and residency. You must be at least 18 years old and a U.S. resident with a valid Social Security Number.

Existing relationship with Chase or Amazon. While not required, having an existing account with either company may influence approval odds, though this isn't guaranteed.

The Application Process 📋

Where to apply: You can apply online through Amazon's website (if you're already logged into your account) or through Chase's website directly.

What happens next: After you submit your application, you'll receive a decision within minutes or days. If approved, your card typically arrives within 7–10 business days, though this varies.

Two types of decisions: You may receive an instant approval, an instant denial, or a "pending review" notice requiring additional information or a wait period. Some applicants are asked to verify identity or income before a final decision.

Understanding the Two Amazon Card Options

Both cards carry the Visa Signature designation, which includes benefits like travel protections and emergency services.

What Happens If You're Denied 🚫

A denial doesn't disqualify you permanently. Common reasons include:

• Insufficient credit history or recent delinquency
• High existing debt relative to income
• Too many recent credit inquiries (which can temporarily lower your score)
• Not meeting income thresholds

If denied, you can wait several months and reapply—especially if you've improved your credit profile in the meantime. Some applicants request reconsideration by contacting Chase directly, though approval isn't guaranteed.

Key Variables That Affect Your Outcome

Your approval odds and card benefits depend on:

• Your credit score and history. Higher scores and longer positive payment records generally increase approval likelihood.
• Your income and debt levels. Lower debt-to-income ratios typically improve odds.
• Whether you're a Prime member. This determines which card you qualify for and the earning structure.
• Your spending habits. The card's value depends on how much you spend at Amazon and Whole Foods relative to other retailers.

What to Evaluate Before You Apply

Before submitting an application:

1. Check your credit report. You can view it free at annualcreditreport.com. Look for errors or unexpected accounts.
2. Understand your credit score range. While specific thresholds aren't public, knowing whether your score is in a strong, fair, or limited range helps set realistic expectations.
3. Review the card's terms. Compare rewards rates, redemption options, and any introductory offers against your actual spending patterns.
4. Consider your current debt. Lenders evaluate how much credit you already carry and your payment history.

The right card—or whether to apply at all—depends entirely on your financial situation, shopping habits, and credit profile. An approval that works well for one person might not suit another with different circumstances.