What Is the Difference Between an Amazon Gift Card and an Amazon Store Card?


Quick Answer

An Amazon Gift Card is only used to purchase eligible goods on Amazon.com, similar to a gift card for any other retail venue. An Amazon Store Card is a credit card offered by Synchrony Bank. Like most credit cards, cardholders pay off their balances with monthly payments.

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Full Answer

The Amazon Gift Card is available in denominations from 50 cents to $2,000, and it never expires or gets charged a maintenance fee for inactivity. Unlike the Amazon Gift Card, the Amazon Store Card requires a credit check for approval. Customers cannot log in to their Amazon Store Card account with their Amazon.com UserID and password, as it is a separate company, Synchrony Bank, that offers the card.

Amazon.com offers a number of incentives to Amazon users to obtain the credit card. A $10 Amazon Gift Card is given to anyone approved for the Amazon Store Card, as of 2015, while Amazon Prime subscribers qualify for a 5-percent cash-back statement credit on their monthly credit card statements.

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