The Amazon Mastercard is a popular credit card designed for frequent Amazon shoppers.
It offers cashback rewards, a no-annual-fee option, and additional perks for Prime members.
This guide covers its main benefits, requirements, and the application process.
Key Benefits of the Amazon Mastercard
The card offers useful features for frequent Amazon shoppers, especially Prime members. Here are the main benefits:
- Up to 5% Cashback on Amazon Purchases: Earn 3–5% back when shopping on Amazon, depending on your Prime membership.
- 1–2% Cashback on Everyday Spending: Get rewards for purchases at restaurants, gas stations, and drugstores.
- No Annual Fee: Use the card without paying any yearly maintenance fee.
- Bonus Offers for New Cardholders: Receive an Amazon gift card credit instantly upon approval (varies by region).
- Zero Foreign Transaction Fees (U.S. version): Shop internationally without extra charges on foreign currency purchases.
- Secure Contactless Payments: Tap-to-pay support with fraud protection features.
- Amazon Integration: Points or cashback are automatically applied to your account or purchases.
Interest Rates and Fees
Knowing the card’s rates and fees helps you manage costs. It offers competitive terms, but understanding the details prevents surprises.
Annual Percentage Rate (APR) for Purchases
- Variable APR: Ranges from 19.49% to 28.24%, depending on your creditworthiness
Cash Advance APR
- APR: Typically, 29.24% variable
Fees
- Annual Fee: $0
- Late Payment Fee: Up to $40, depending on the payment history
- Cash Advance Fee: 4% of the amount, with a minimum of $5
- Foreign Transaction Fee: 0%, making it suitable for international purchases
Requirements and Eligibility
Before applying, you must meet basic conditions that show you’re creditworthy. Here’s what you need:
- Minimum Age Requirement: You must be at least 18 years old (or 20 years old in some countries, such as Japan).
- Residency Status: Must be a legal resident of the country where the card is issued (e.g., U.S. or Japan).
- Valid Identification: Provide a government-issued ID and a valid mailing address.
- Credit Score: A good to excellent credit score is generally required (usually 670 or higher).
- Stable Income: You may need to show proof of income or employment, depending on the issuer.
- Amazon Account: You must have an active Amazon account to be eligible for this application.
How to Apply for the Amazon Mastercard
Applying for the Amazon Mastercard is a straightforward process.
You can complete the process online through Amazon or the card issuer’s website. Here’s how:
- Sign In to Your Amazon Account: Ensure you’re logged into your Amazon account.
- Navigate to the Amazon Mastercard Application Page: Go to the Amazon Mastercard page and click on “Apply Now.”
- Complete the Application Form: Fill in your personal and financial information, including your name, address, income, and employment details.
- Review and Submit Your Application: Double-check all the information you entered for accuracy, then submit your application.
- Await Approval Decision: You may receive an instant decision. If not, expect a response within a few days.
- Receive and Activate Your Card: If approved, your card will be mailed to you. Follow the provided instructions to activate it upon arrival.
How to Use and Manage the Amazon Mastercard
Once approved, it’s essential to know how to manage your card effectively.
Good management helps you earn rewards and avoid unnecessary fees.
Here’s how to get the most out of it:
- Choose a Payment Method: Pay in full each month, or use installment or revolving payments if available.
- Set Up Account Access: Register for online banking or download the issuer’s mobile app to track spending and statements.
- Enable Alerts: Turn on notifications for due dates, transactions, and balance updates.
- Track Your Rewards: Monitor cashback or points through your account dashboard or app.
- Avoid Late Fees: Set automatic payments or use calendar reminders to ensure timely payments.
- Use for Everyday Purchases: Use it regularly at eligible merchants to maximize cashback or point accumulation.
Is It the Right Card for You?
This card offers solid perks, but it may not be ideal for everyone. Use this checklist to decide if it matches your spending habits and goals:
Yes, If You:
- Shop on Amazon regularly, especially with a Prime membership.
- Want cashback without paying an annual fee?
- Prefer straightforward rewards without tracking rotating categories.
- Need a card accepted worldwide with added fraud protection.
No, If You:
- Rarely use Amazon or prefer in-store purchases.
- Want travel-related perks like lounge access or airline points?
- Carry a balance and need a lower interest rate or a 0% intro APR.
- Prefer a card with more flexible or premium benefits outside Amazon.
How Cashback or Points Are Redeemed
Understanding how rewards are applied helps you maximize your spending. This section explains how redemption works.
- Rewards are automatically applied to your Amazon purchases at checkout.
- You can choose to redeem points for a statement credit (depending on the issuer).
- Some versions may allow redemption for travel or gift cards via the issuer’s platform.
- No minimum redemption amount for Amazon checkout usage.
Mobile App and Online Account Features
Managing your card digitally makes it easier to stay on top of payments and rewards.
- Check balances, track transactions, and view statements via the issuer’s mobile app.
- Set payment reminders and enable security alerts.
- Review and redeem rewards directly from the app.
- Update contact details and make customer service requests online.
Tips to Maximize Your Card Benefits
Using your card strategically helps you maximize the value of every purchase.
- Use it for all Amazon and Whole Foods purchases (if applicable).
- Combine it with limited-time Amazon promotions for bigger savings.
- Always pay your balance in full to avoid interest charges.
- Enable transaction alerts to track your spending in real time.
Contact and Support
If you need assistance with your Amazon Mastercard, support is available through the card issuer and Amazon. The appropriate contact depends on the specific card you have.
For Amazon Visa or Prime Visa (Issued by Chase in the U.S.):
- Customer Service Phone (U.S.): 1-888-247-4080
- International Phone: 1-302-594-8200
- Online Support: Log in to your Chase account to send secure messages or manage your card.
For Amazon Store Card or Amazon Secured Card (Issued by Synchrony Bank):
- Customer Service Phone: 1-866-634-8379
- Online Support: Visit Synchrony Bank’s Amazon Card page for account management and support.
For General Amazon Account or Order Issues:
- Customer Service Phone: 1-888-280-4331 (Available 24/7)
- Online Support: Visit Amazon’s Customer Service page for chat support and access to helpful topics.
For the most accurate and up-to-date information, always refer to the official Amazon or card issuer’s website.
To Conclude
The Amazon Mastercard offers strong rewards for Amazon purchases and everyday spending.
It’s especially useful if you’re a Prime member and shop online often.
If you meet the requirements, consider applying through the official Amazon site today.
Disclaimer
Terms, rates, and benefits vary by region and card issuer.
Always confirm the latest details on the official card application page.