What credit score do you need for an Amazon credit card? (2024)

FAQs

What credit score do you need for an Amazon credit card? ›

Typically, you can qualify for Synchrony's Amazon

If you are applying for the Amazon Store card, you will need a score above 640. For the Amazon Rewards Visa Signature Card® and the Amazon Prime Rewards Visa Signature Card®, you'll need a good FICO credit score (670-739).

For the Prime Visa, you'll likely need a good credit score (670 or above) to qualify.

While specific criteria can vary, a good credit score—typically around 670 or higher—will give you higher chances for an Amazon Visa approval. This score indicates to lenders that you're a responsible borrower, increasing your attractiveness as a candidate for credit.

Chip Lupo, Credit Card Writer

Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.

You can get the store card with fair credit (a 640+ score), and even people with bad credit can get the secured card.

Approval odds

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

You need enough income to afford monthly bill payments on the Amazon Credit Card. While the terms and conditions of the Amazon Credit Card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved.

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.

How do I know if I qualify for Amazon Credit Card? ›

There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

According to Amazon, you're more likely to be approved for an Amazon credit card if your credit score is above 640.

The good news is that even though applying for an Amazon card will hurt your credit, the damage will be minor and won't last long. Your score should bounce back after a few months of responsible credit use. You should strive to always pay on time, and in full if possible.

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.

The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.

Having a credit score of 600 isn't ideal, but it's still possible to get a loan or a credit card. Most loan products will end up costing you more due to higher interest rates. However, with some hard work, you can improve your credit score and open up new, more attractive options.