What Is an Amazon Store Card?


Quick Answer

The Amazon.com Store Card is a form of credit that Amazon extends to some customers, subject to credit scoring, to allow purchases without upfront payment. The card may be used for payments for purchases made from any of the vendors that list on Amazon's website.

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Full Answer

As of February 2015, the Amazon Store Card offers financing deals that range between 6 and 24 months for items purchased on the website, depending on the purchase price. While all items are available on 6 or 12 month financing, as long as the total purchase meets a minimum requirement, longer financial terms are only available on select items. The only items that cannot be purchased with this card are Amazon Prime memberships, digital subscriptions to newspapers and magazines, and software and game downloads. The issuing agent for the Amazon Store Card is Synchrony Bank.

If customers do not pay off their balances during the financing period, an variable purchase APR of 25.99 percent is applied to balances. The Amazon website offers a credit decision in around 15 seconds, and upon approval, the consumer can use the Amazon Store Card right away. The card has no annual fee, and it also offers protection from fraudulent or unauthorized charges.

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