Amazon Credit Card Requirements 2026

Amazon Credit Card Requirements for 2026

You typically need a FICO score of about 670 or higher for the Amazon Prime Visa and around 620 to 640 for the Amazon Store Card. Chase does not publish exact cutoffs, so treat those numbers as the practical floors approvals generally cluster around. Amazon offers two main credit cards through Chase: the Amazon Prime Visa Signature Card and the Amazon Store Card. The Prime Visa is a full Visa card that works everywhere. The Store Card only works on Amazon.com. The core amazon credit card requirements come down to one thing first: your credit score, and the Store Card has lower amazon credit card score requirements than the Visa. Below that range, you can still get an Amazon card through the secured option.

This guide breaks down the exact amazon credit card credit score you need for each card, what else the issuer looks at, how to apply, and what to do if you are denied. If you want a broader picture of approval odds across issuers, our guide on the credit score needed for a credit card puts these numbers in context.

Minimum Credit Score Requirements

Here are the amazon credit card score requirements for each card at a glance.

Card	Minimum score	Best approval odds	Prime required	Works where
Amazon Prime Visa Signature	About 670 FICO	700 and above	Yes, for full 5%	Everywhere Visa is accepted
Amazon Store Card	About 640 FICO	660 and above	No	Amazon.com only
Amazon Secured Card	No minimum (deposit based)	Building credit	No	Amazon.com only

When you apply on Amazon’s site, you may be shown more than one option. If your credit is strong enough for the Visa, you will see that offer. If not, you may be steered toward the Store Card or the secured version instead. A 670 score sits at the bottom of the “good” range, which is why it is the practical floor for the Prime Visa. If you are sitting right at that line, our breakdown of whether a 670 credit score is good explains exactly where you stand.

How to Get an Amazon Credit Card

If you are wondering how to get an Amazon credit card, the process itself is fast. The work happens before you apply.

1. Check your credit score first. Pull your FICO score so you know which card you realistically qualify for. Applying for the Prime Visa with a 610 score just burns a hard inquiry.
2. Clean up your credit report. Dispute errors and pay down balances before you apply. This is the single biggest lever most people ignore.
3. Pick the right card. Choose the Prime Visa if your score is 670 or higher and you want a card you can use everywhere. Choose the Store Card if your score is in the 640 range and you mostly shop on Amazon.
4. Apply on Amazon.com. Go to the credit card section, click apply, and submit your information. The issuer runs a hard inquiry.
5. Get an instant decision. Most applicants are approved or denied within seconds. If approved, you can usually use a temporary card number on Amazon immediately.

The cleaner your file and the lower your utilization on the day you apply, the better your odds. That is true for every card, not just Amazon’s.

What the Issuer Looks At Beyond Your Score

Your amazon credit card credit score gets you in the door, but the issuer weighs several other factors before approving you.

Payment history. Consistent on-time payments matter most. Late payments in the last 12 months hurt your chances significantly, even with a decent score.

Credit utilization. Using too much of your available credit signals risk. Keep it under 30%, and under 10% is even better. Our credit utilization guide explains the math and shows how paying down a balance before your statement closes can lift your score fast.

Income. You self-report income during the application. Higher income relative to your existing debts improves your odds.

Existing card relationships. If you already have a Chase card in good standing, that helps for the Prime Visa.

Recent applications. Multiple recent credit applications make lenders nervous. Each one adds a hard inquiry. Space your applications out and understand the difference between a hard inquiry and a soft inquiry before you apply anywhere.

Amazon account history. This is not officially confirmed, but long-standing Amazon accounts with consistent purchase history may factor into the decision, especially for the Store Card.

Which Amazon Card Is Best for You

The right Amazon card depends on your credit and how you shop. Here is the quick decision framework.

Best for everyday spending everywhere: the Prime Visa. If your score is 670 or higher and you want rewards on more than just Amazon, the Prime Visa is the clear winner. It pays 5% on Amazon and Whole Foods with Prime, 2% at restaurants, gas, and transit, and 1% on everything else, with no annual fee on the card itself and no foreign transaction fees.

Best for heavy Amazon shoppers with fair credit: the Store Card. If your score is in the 640 range and most of your spending happens on Amazon anyway, the Store Card gets you the same 5% back on Amazon and adds special financing. You give up the ability to use it elsewhere.

Best for big Amazon purchases you want to finance: the Store Card. The Store Card’s 0% APR promotional financing on qualifying purchases over $150 is the feature the Visa does not have. If you are buying a laptop, mattress, or appliance and want to spread payments without interest, this is the reason to pick it.

Best for building or rebuilding credit: the Amazon Secured Card. If you cannot qualify for either unsecured card, the secured version lets you put down a deposit, still earn rewards on Amazon, and build a track record toward an upgrade. It is one of the few store-linked secured options worth considering.

If you are weighing Amazon against other retail cards, the requirements are similar across the big-box chains. Compare our guides on the Costco credit card requirements, the Walmart credit card requirements, and the Target credit card requirements to see where you have the best shot.

Amazon Prime Visa Benefits

5% back on Amazon.com and Whole Foods. This is the headline perk. It requires an active Prime membership. Without Prime, the rate drops to 3%.

2% back at restaurants, gas stations, and transit. A solid everyday earning category.

1% back on everything else. The standard rate for non-category purchases.

No annual fee. The card itself has no fee. Amazon Prime costs $139 per year, or $14.99 per month, but that membership is separate from the card.

No foreign transaction fees. Good for international travel and purchases.

Travel and purchase protection. Trip cancellation insurance, baggage delay coverage, and purchase protection on eligible items.

Amazon Store Card Benefits

5% back on Amazon.com purchases. The same rate as the Visa, but only on Amazon.

Special financing. 0% APR for 6, 12, or 24 months on qualifying Amazon purchases over $150. This is the big differentiator from the Visa. Read the terms carefully, because deferred-interest financing can charge back all the interest if you do not pay the balance in full before the promo ends.

No annual fee. Free to hold.

Amazon Prime not required. You earn 5% back whether or not you have Prime, though a Prime membership unlocks more Amazon benefits overall.

How to Apply Step by Step

1. Go to Amazon.com and navigate to the credit card page.
2. Click “Apply Now” for the card you want.
3. The issuer pulls your credit, which is a hard inquiry.
4. You get an instant decision in most cases.
5. If approved, you can use the card on Amazon immediately with a temporary account number while the physical card ships.

What to Do If You Are Denied

A denial is not the end. Here is how to turn it around.

Find out why. The issuer must disclose the reason in an adverse action notice. Common reasons are a credit score that is too low, high utilization, recent late payments, or too many recent applications.

Check your reports. Pull your free reports at AnnualCreditReport.com and look for errors. Mistakes are more common than people think. Our guide to common credit report errors shows exactly what to look for.

Dispute errors. Credit Booster AI scans your reports, identifies mistakes, and generates dispute letters. Removing inaccurate negative items can boost your score quickly and turn a denial into an approval.

Pay down balances. Get your utilization under 30%, and under 10% if you can. This often moves your score within one statement cycle.

Wait three to six months. Build positive history, make every payment on time, then reapply. If you were denied across the board, our walkthrough on how to fix a denied credit card application lays out the recovery plan step by step.

Alternatives If You Do Not Qualify

Amazon Secured Card. If you do not qualify for the unsecured Visa or Store Card, Amazon offers a secured version. You put down a refundable deposit and still earn rewards. It is a clean way to build credit while you shop on Amazon.

General secured credit cards. A general-purpose secured card builds credit without tying you to one retailer, and many graduate to unsecured cards with deposit returned. Check our best secured credit cards guide for the top options.

Other starter cards. If your credit is challenged, there are unsecured options built for rebuilding. Our guide on how to get approved for a credit card with bad credit covers the cards most likely to say yes.

Amazon gift cards. Not a credit solution, but you can buy Amazon gift cards with cash or debit and keep shopping normally while you build credit in the background.

Tips to Get Approved

1. Get your FICO above 680. That is the comfortable zone for the Prime Visa. Above 650 works for the Store Card.
2. Keep utilization below 30%. Lower is better, and paying down balances before the statement closes helps most.
3. No late payments for six or more months. Recent on-time history carries a lot of weight.
4. Limit recent credit applications. Space them out by at least three months.
5. Report all income. Include side jobs, freelance income, and anything else legitimate.
6. Fix credit report errors first. Dispute inaccuracies before you apply, not after a denial.

The Bottom Line

The Amazon Prime Visa is accessible with good credit, around 670 and up, and the Amazon Store Card works with fair credit in the 640 range. Both deliver real value for Amazon shoppers, and the secured option keeps the door open even if your credit is not there yet. The smartest move is to check your score, clean up your report, and apply once you know you are in range, so a hard inquiry turns into an approval instead of a waste.

Credit Booster AI can help you identify exactly what is holding your score back and build a roadmap to get approved. Download Credit Booster AI to start, check JoinCreditClub.com for free monitoring, and visit CreditBooster.com for professional help.

Fix your credit. Then shop smarter.