How Can I Pre-Qualify For The Amazon Credit Card? (2024)

FAQs

Can you prequalify for an Amazon Credit Card? ›

You can prequalify online for Amazon store card through Synchrony Bank.

To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances. Subscribe to the CNBC Select Newsletter! Money matters — so make the most of it.

The Amazon Visa Credit Card is for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts people with fair credit (a 640+ credit score).

Your Amazon Credit Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Amazon Credit Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments.

Amazon usually pulls credit reports from one or more of the three major credit bureaus - Experian, Equifax, and TransUnion - when applying for an Amazon credit card.

According to Amazon, you're more likely to be approved for an Amazon credit card if your credit score is above 640. Amazon provides credit score ranges, which it has based on scores that have been commonly used.

The best store credit card you can get with a 500 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member.

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

If dining out is a major spending category for you, the Amazon cards may not be a good fit for you. The Amazon Prime Store Card* cannot be used at restaurants, so you can't earn cash back on those transactions. The Prime Visa can be used when you're dining out, but you'll only earn 2% cash back at restaurants.

What bank does Amazon credit cards use? ›

Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply.

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

Anyone applying to a sought-after Chase card like Chase Freedom Unlimited will likely have a better chance of approval with a score of at least 670, but higher is always better. Just as a score of 670 or above doesn't guarantee approval, having a score lower than 670 doesn't guarantee a rejection.

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Only qualified individuals age 18 or over may be approved for a Card Account. If you apply on behalf of a corporation or partnership, you will also need information on all Beneficial Owners (see Frequently Asked Questions for more information on Beneficial Owners), and the Federal Tax Identifier for your business.