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Getting an Amazon credit card starts with understanding which card option fits your situation, then completing a straightforward application. The process itself is quick, but whether you'll qualify depends on factors unique to your financial profile.
Amazon offers two distinct card products through Chase, and the path you take depends on which one makes sense for you.
The Amazon Prime Rewards Visa Signature Card is designed for Prime members who want cash back on Amazon purchases and other everyday spending. The Amazon Rewards Visa Card is a standard version without Prime membership requirements, offering similar rewards but with different earning rates.
Each has different earning structures, annual fees (or lack thereof), and eligibility criteria. Your choice affects both the application process and what you'll actually earn once approved.
1. Determine which card matches your profile
If you're a Prime member and use Amazon frequently, the Prime version typically offers higher rewards on Amazon purchases. If you're not a Prime member—or don't plan to be—the standard Amazon card may be more practical. Check the current earning rates and benefits, as these change periodically.
2. Go to the official application page
Applications are available through Amazon.com and Chase's website. Applying through either route uses the same underwriting process. Make sure you're on the legitimate site—never apply through third-party links.
3. Provide personal and financial information
You'll be asked for your Social Security number, employment details, income, and existing credit obligations. Be accurate; this information is verified against your credit report and employment records.
4. Authorize a credit pull
Applying triggers a hard inquiry on your credit report, which temporarily affects your credit score (usually by a small margin). This inquiry stays on your report for about two years but stops affecting your score after roughly six months.
5. Receive your decision
Most applications are decided instantly or within minutes. You may be approved, denied, or asked to call Chase for additional verification.
Approval isn't guaranteed, and the factors that matter most vary by applicant:
Credit score is typically the primary factor. While Chase doesn't publish exact minimums, store cards and rewards cards generally favor applicants with good-to-excellent credit (though some approvals occur with fair credit). Your actual threshold depends on your full credit profile.
Payment history matters significantly. Recent late payments, collections, or charge-offs make approval less likely. The longer your clean payment history, the stronger your application.
Credit utilization—the percentage of available credit you're currently using—factors into approval odds. High utilization on existing accounts can signal higher risk.
Income and debt-to-income ratio help Chase assess whether you can handle another credit obligation. You don't need high income to qualify, but your income relative to existing debt influences the decision.
Employment status is confirmed but doesn't require a specific job type or tenure. However, unstable employment history may raise questions.
Recent credit inquiries and new accounts can matter. Multiple recent applications suggest you're actively seeking credit, which some lenders view as a risk signal.
A denial doesn't close the door permanently. You can reapply after addressing the likely issues—paying down existing balances, correcting errors on your credit report, or allowing time to pass if you've had recent credit problems.
Some applicants receive an approval with conditions, like a lower credit limit than requested. You can often request a higher limit later once you've used the card responsibly.
Before applying, consider:
The application itself takes 10–15 minutes. Whether approval follows depends on your individual circumstances—something only Chase's underwriting system can determine.
