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Synchrony

Amazon Store Card

The Amazon Store Card is Synchrony's closed-loop card for Amazon regulars, and its pitch is financing rather than rewards: equal monthly payments at 0% APR on qualifying purchases of $50 or more, with no annual fee. The 5% back that Amazon advertises alongside it belongs to the Prime Store Card, which this card automatically becomes once you add an eligible Prime membership, so without Prime it earns nothing on ordinary purchases. The card also still offers deferred-interest special financing, and with a 29.49% variable APR charged from the purchase date if a promotional balance is not cleared in time, it only makes sense for buyers who pay financing offers off on schedule.

Apply at Synchrony Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Amazon Store Card card art
  • Annual fee
    Free
  • Welcome offer
    Amazon Gift Card upon approval; amount shown after sign-in at application
    An Amazon Gift Card is loaded into your Amazon.com account instantly upon approval. The dollar value is personalized and only shown after signing in to an Amazon account to view the offer, so no fixed public amount is disclosed.
  • Recommended credit
    640-780
    Median 670. See why →

Earning rates

This card carries no rewards program, so every purchase earns the same: nothing back in cash, points, or miles.

Benefits and credits

acceptance

  • Accepted at Whole Foods Market and Amazon Pay Merchants

account-protection

  • Zero Fraud Liability

financing

  • 0% APR Equal Monthly Payments
  • Special Financing (Deferred Interest)

rewards

  • Occasional Promotional % Back

upgrade-path

  • Automatic Upgrade to Prime Store Card

Pricing and fees

Full Pricing and Terms
Purchase APR
29.49%
Foreign tx
Not disclosed
Penalty APR (cap)
Not disclosed
Balance transfer
Not disclosed
Fee Not disclosed
Cash advance
Not disclosed
Fee Not disclosed
Late / returned
$40 · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Conditional
    Authorized-user activity is reported to Experian and TransUnion only (not Equifax). Synchrony runs a large store / co-brand portfolio, so confirm per product when a Synchrony card is added.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of July 1, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.