amazon prime store credit card login

That being said, in order to qualify for the Amazon Prime Rewards Visa Signature card (and the Amazon Prime Store Card), customer. Fly Now payment plan*; Instant online approval process; Low monthly payments; No annual fee**; No fee for additional authorized users' cards. Save up to $40 using your Discover credit card cash back. Similar to Chase and American Express, Discover is also part of Amazon's “Shop with.
amazon prime store credit card login

Amazon prime store credit card login -

27.49%

Purchase APR (variable)

Details

Annual fee$0
Welcome offer$10 Amazon.com gift card upon account opening
Rewards5% back at Amazon.com
Purchase APR27.49% variable
Balance transfer APRN/A
Minimum Credit Score300
IssuerStore card
Interest free periodUp to 23 days
Late payment feeUp to $38
Security depositN/A
Minimum Interest$1.50
Rates & feesTerms apply, see rates & fees
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Review by

Kliment Dukovski

[email protected]

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

NOTE: As of May 2021, the Amazon Prime Store Card Credit Builder isn’t accepting applications and isn’t listed on the Amazon site. We’ll update this review should the product return.

If you often shop at Amazon.com and want to build your credit and earn cash back, consider the Amazon Prime Store Card Credit Builder. It’s a secured card that helps you save money on interest with 0% financing options for purchases over $149. You can pay for your purchases over time, but you must pay in full before the promotional period expires or you’ll end up paying high interest.

You must be a Prime member to get all the benefits of this card. Otherwise, you’ll get the non-Prime version, which is the same card but without the cash back. Note that this is not the same card as Amazon.com Store Card, which is an unsecured card that shares the same features as the Amazon Prime Store Card Credit Builder. If Synchrony Banks decides to upgrade your card, you will be upgraded to the Amazon.com Store Card. Here’s how to apply for this card:

  1. Visit Amazon.com and locate the card.
  2. Click Apply now.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You can apply with a poor credit score of 300 or higher.

  • Cash back.
    Earn 5% cash back on all Amazon.com purchases. This is a great benefit rarely offered by a secured card.
  • Promotional financing.
    Buy now and pay later for items over $149 purchased on Amazon.com, and get a 0% promo APR if you pay in full before the promotional period expires. The length of your special financing period will vary based on purchase amount.
  • Gift card.
    Amazon give you a $10 gift card upon account opening.
  • Build credit.
    Amazon will report to Experian, Equifax and TransUnion, which can help you build credit if you use your card responsibly.
  • Upgrade to an unsecured card.
    Get your activity reviewed starting from your first seven months by Synchrony Bank, the issuer of this card. If you qualify, you can upgrade to an unsecured card and your deposit will be returned to you.
  • No annual fee.
    Build your credit and enjoy promotional financing options on your Amazon purchases without paying an annual fee.
  • Get a free credit report.
    You get access to TransUnion CreditView dashboard. This can help you track your credit-building progress.
  • Can’t combine perks.
    You can’t earn cash back and use promotional financing options on the same purchase. You will have to choose one.
  • Must be paid in full.
    You must pay your balance in full before the promotional period ends. Otherwise, you’ll pay interest from the date you made the purchase.
  • Secured card.
    You need to deposit $100 to $1,000 to act as your credit line. However, this sum is refundable in case you upgrade to an unsecured card or if you decide to close the account with no outstanding debt.
  • Limited use.
    You can only use the card for Amazon.com purchases.
  • High APR.
    The standard APR is 27.49% variable. This applies if your special financing period passes or if you make a purchase that doesn’t qualify for it.

How do I use the promotional financing?

Amazon gives you the option to buy now and pay later. In this case, you won’t accrue interest if you pay your purchase in full before the period expires. You can use two financing options:

  • Special financing.
    This option requires you to make at least the minimum payment each month, but the size of your payment can vary. Depending on your purchase, you can get:
    • 6 months financing for purchases of $149 or more.
    • 12 months financing for purchases of $599 or more.
    • 24 months financing for purchases of $799 or more.
  • Equal pay financing.
    For purchases of $300 or more, you can get 12 months to pay it off. However, you need to make equal monthly payments.

If this card isn’t right for you, compare other store credit card options. Take a look at their features, such as rewards rate, APR and welcome offer, to determine which is the best fit for your wallet.

If you’re an avid Amazon.com spender looking for deferred financing options or cash back while building credit at the same time, the Amazon Prime Store Card Credit Builder could be an excellent choice.

However, if you would like a more universal credit-building card, check out other secured cards and compare your options.

Источник: https://www.finder.com/amazon-prime-store-card-credit-builder
Indianapolis - Circa September 2016: Amazon Prime Parcel Package.

Amazon Prime membership service offers free, two-day shipping on thousands of Amazon products and unlimited streaming of Amazon Prime movies and shows. You can rent e-books — from current favorites to former best-sellers — for free if you own a Kindle, Fire tablet or Fire phone and you’re an Amazon Prime member.

You can take advantage of numerous ways to obtain free and discounted Amazon Prime memberships and reap the benefits. Keep reading to find out seven ways you can get your Prime membership for free and start saving money when you shop with Amazon.

7 Ways to Get Free Amazon Prime Membership

You don’t have to fork over $99 to become an Amazon Prime member. You can actually take advantage of Prime benefits without having to spend a penny. Here are seven ways you can get free Amazon Prime membership:

1. Get an Amazon Prime Free Trial

You can try an Amazon Prime free trial membership if you don’t already have an account. After your Amazon Prime 30-day trial is over, you will be converted to a monthly subscription, which costs $10.99 per month, or you can pay a lump sum of $99 per year, which works out to $8.25 per month.

Amazon will offer you a free, 30-day trial each year. Should you cancel after your Amazon Prime trial, you’ll have to wait 12 months for another chance to try it for free.

Related: 10 Features That Make Amazon Prime Worth the Money

2. Get an Amazon Prime Student Membership Trial

College students are privy to some great deals on credit cards, checking accounts and more. Students can also get an Amazon Prime free trial student program for six months. After the trial ends, you’re eligible to pay only $5.49 per month for the service (for four years or until you graduate, whichever comes first).

3. Share Amazon Prime With Your Family

Amazon Household is a smart choice when you need Amazon Prime for the long haul. If your roommate or parents have Amazon Prime, Amazon Household allows you to share your benefits with up to one other adult, four teens and four children in your household. All family members create and use their own logins and passwords. Children and teens can shop on their own, but parents must approve the order with a simple text.

Check Out: Amazon.com Store Credit Card Review — High Rewards for Frequent Shoppers

4. Earn Cash Back With the Amazon Prime Rewards Visa Card

At this time, no credit cards come with a complimentary Amazon Prime membership. Amazon, however, offers a Prime Rewards Visa Card and an Amazon store card. Each will get you 5 percent back cash back when you shop at Amazon.com, you’ll pay no annual fees and there are no earning caps. If you spend $2,000 over the course of the year on your Amazon credit card you’ll earn $100 cash back, which will pay for your Amazon Prime membership.

Amazon also offers the Amazon Rewards Visa Signature Card, which has no annual fee and enables you to earn:

  • 3 percent cash back when you shop at Amazon.com

  • 2 percent cash back at restaurants

  • 2 percent cash back at gas stations and drugstores

  • 1 percent cash back on all of your other purchases

You can see your rewards balance when you check out at Amazon.com and you don’t need a minimum balance to redeem them. You can use your rewards to purchase millions of items through Amazon.

5. Save on Amazon Prime Day

For the past three years, Amazon has celebrated “Prime Day” with a one-day sale on Amazon products like the Echo and Fire TV Stick, and electronics such as laptops, televisions, tablets and smartphones. Amazon will announce Amazon Prime Day in July 2018, and although it’s only available for Prime subscribers, you can use a free Prime trial to shop the great sales.

6. Become an Amazon Associate

Consider becoming an Amazon Associate. By doing this, you’ll earn a “bounty,” or bonus, when eligible customers complete certain actions, like registering for a third-party video subscription, creating an Amazon Baby Industry or signing up for an Amazon Prime free trial.

For 2018, you’ll get $3 for each person who registers for the Prime free trial. Refer just three people per month and you’ll pay for the cost of your annual membership.

7. Utilize Amazon Prime Discount Membership Options

An Electronic Benefits Transfer card might qualify you for a Prime membership for $5.99 per month. The following programs will qualify you:

  • Temporary Assistance for Needy Families

  • Women, Infants and Children

  • Supplemental Nutrition Assistance Program

  • Other programs by state

Amazon uses a state-of-the-art algorithm that automatically matches or beats competitors’ prices, which means there are numerous ways to save money on Amazon year-round. Keep an eye out for more ways to save on your favorite items.

Up Next:12 Clever Ways Amazon Gets You to Spend More

This article originally appeared on GOBankingRates.com: 7 Brilliantly Slick Ways to Get Amazon Prime for Free

Источник: https://finance.yahoo.com/news/7-brilliantly-slick-ways-amazon-100624129.html

Can I get an Amazon Rewards Visa just for the gift card and then close the account?

It might work, assuming you can instantly qualify for the credit card. I'd bet that isn't likely to happen if you have never had a credit card before though. (I extrapolate that to assume you don't have much of a credit report. I could be wrong.)

However, it is a gift card, not cash. You would at best get $30 worth of stuff and shipping from Amazon.

  • Your credit would take a hit from the credit inquiry.
  • Then get a small bump from the new credit limit increase and lower utilization.
  • Then you would cancel it and your limit goes down because your utilization goes up, thereby making your credit score go lower.
    • (This assume you utilize credit in some other fashion at all)

Net effect? Your score goes down because you applied for the card. This is also highly dependent on the time frame in which this all happens. Credit reports won't show any activity for a couple of months. So the up and down could cancel each other out if you do it too fast.

My advice, don't apply for credit you don't want or need. Certainly don't apply for credit just to get a reward or discount. The rewards and discounts are only smart if you were already making the purchase.

To expand on the question you didn't ask, it is a pretty solid decision to get a credit card, especially if you don't need one.

  1. You will (sadly) be judged on your credit for more things that just buying stuff. (Insurance, jobs, rental agreements, etc)
  2. Credit takes time to build, so getting started before you need it is important.
  3. If you don't need it, you can develop good habits around credit. (Always pay it off, never carry a balance, never charge more than you can afford to pay that day)

I suggest you join a credit union and get a credit card from there. They will have programs and better deals.

Once you have the card from your credit union, and you if you find credit cards fit your lifestyle, AND if you find you can manage credit responsibly, then feel free to find a rewards card you like (such as Amazon) and apply for it.

Источник: https://money.stackexchange.com/questions/18719/can-i-get-an-amazon-rewards-visa-just-for-the-gift-card-and-then-close-the-accou

3 Ways To Pay Your Amazon Credit Card Bill

Credit Cards / Retail

CHIANG MAI,THAILAND, FBE 11 2016 : iPhone 6s plus showing AMAZON app on screen Amazon.

mrmohock / Shutterstock.com

An Amazon credit card gives you even bigger buying power at one of the world’s top shopping sites. With new and used products from both third-party sellers and its own massive inventory, the global retailer has something for everyone and provides a bevy of financial benefits with its branded card.

The Amazon Store Card can be used for most purchases on Amazon.com and Amazon-branded physical stores. Plus, if you opened your account before Jan. 1, 2021, you can use the card at merchants that accept Amazon Pay. Cardholders are also eligible for interest-free purchases for six, 12 or 24 months by making equal monthly payments. Plus, Amazon Prime Store Card users can earn 5% back in statement credits or Amazon rewards points on Amazon.com purchases.

After using your Amazon Store Card, you’ll need to pay your bill. Find out your options so you can avoid making a late payment.

How To Make Your Amazon Credit Card Payment Online

Whether you want to make a minimum payment or pay off your Amazon credit card balance, this popular Amazon credit card bill-pay option requires you to log in to your account at the Synchrony Bank Amazon online credit center. Follow these steps to make a one-time payment:

  1. Log in to your account.
  2. Place your cursor over “Payments” and then select “View and Make Payments.”
  3. Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.
  4. Select a payment date.
  5. Enter your bank’s routing number and your checking account number in the appropriate fields and confirm.

Synchrony also offers cardholders the option to “Pay as Guest,” which means you can pay without logging in to your account. To use this feature, you’ll need to enter your card number, Social Security number and ZIP code.

How To Pay Your Amazon Credit Card Bill by Phone

You can make a payment of any size by calling Synchrony Bank’s automated payment system. You can also press zero to have a customer service representative assist you.

Here are the steps to pay your Amazon credit card bill by phone:

  1. Call Synchrony Bank at 866-634-8379.
  2. Wait for the prompts, and press two on your keypad.
  3. Listen to the prompts, and press one on your keypad.
  4. Enter your Amazon Store Card account number to allow the system to identify your account.
  5. Follow the prompts to make your payment.

How To Make an Amazon Credit Card Payment by Mail

Synchrony also accepts mailed payments. However, the crediting of your payment may be delayed up to five days after Synchrony acknowledges receipt. Follow these steps:

  1. Make out your check or money order to Synchrony Bank/Amazon.
  2. Place the remittance form from your statement with your payment, filling in the amount you wish to pay.
  3. Send your payment to:

Synchrony Bank / Amazon
P.O. Box 960013
Orlando, FL 32896-0013

When Is My Amazon Credit Card Bill Due?

As an Amazon cardholder, the due date for your Amazon credit card comes at a minimum of 23 days past the billing cycle’s close. You won’t be charged interest on purchases if your balance is paid by the due date every month. Payments are due by 5 p.m. ET. You will be charged a late fee of up to $40 if you fail to make your Amazon credit card payment on time.

Note that these payment instructions do not apply to Amazon Rewards Visa Signature cardholders. The Amazon Rewards Visa is financed by Chase Bank.

Cynthia Measom contributed to the reporting for this article.

About the Author

StacyCalvert creates online content from her home in Peoria, IL. She ghostwrites product descriptions, blog posts and static webpage content for small, medium and large businesses. Stacy has written articles for the Houston Chronicle, NestMagazine and other publications online.

Источник: https://www.gobankingrates.com/credit-cards/retail/best-ways-pay-amazon-credit-card-bill/

Quick and easy ways to be an Amazon shopping ninja this year

Even if you’re not an Amazon fan, you can’t deny how easy it is to find just about anything you want. That includes, of course, holiday gifts.

This year, be an Amazon shopping ninja. Tap or click here for clever ways to hide your gift orders, get Amazon Prime for less money, trade in your older gadgets for credit, and more.

There’s also account security to consider. You should remove your Amazon public profile, for one. Tap or click for five security steps every Amazon shopper should take.

Then we get to the money. Whether you’re buying presents, getting yourself a few gifts, or doing your regular shopping, there are tricks you can use to save a pretty penny.

1. Sign up for an Amazon Business account

If you shop on Amazon a lot, you likely have a Prime account. Here are some of my favorite perks included with the subscription.

An Amazon Business account gives you perks that you don’t get with a Prime account. You get exclusive discounts and can sell products and services to other businesses. You still get free shipping and access to Prime Day deals, Lightning Deals and Prime Early Access, too.

Tap or click here to start your free Amazon Business account.

2. Don’t forget about Lightning Deals

Unlike Prime Days, Lightning Deals happen all the time. Lightning Deals generally include products with limited stock or a set time limit. For example, a smart speaker could be on sale for 75% for the next three hours or until it sells out. If you see a deal you like, grab it before it’s gone.

Lightning Deals can be found throughout Amazon and are available on the Today’s Deals page. You can also browse upcoming deals and add yourself to the waitlist, so you get an alert when the deal is active. Don’t wait, though. You’ll only have a limited amount of time to make a purchase.

3. Don’t forget to cut coupons

No scissors are necessary for these coupons. When you’re shopping, look for a checkbox near the item’s price. If you click, a virtual coupon will be applied. If you don’t click, you don’t get the discount. Check to make sure you’ve saved all you can before submitting your order.

An Amazon.com Inc. delivery driver carries boxes into a van outside of a distribution facility on February 2, 2021

4. Be patient

Do you need every item rushed to your door? Gifts you might need as soon as possible, but when you can wait, you’ll get a little something in return.

Select a later shipping date to get credit towards future orders or media at checkout. When you select a delivery date, you’ll see any available incentives for no-rush delivery. These are often just small credits toward media like audiobooks, but it all adds up.

Struggling with what to buy all your favorite people this holiday season? My team and I put together gift guides for everyone on your list.

5. Check out the Amazon credit card

This is not financial advice, and you shouldn’t spend money you don’t have. That said, the Amazon Prime Rewards credit card has some pretty darn good benefits when you use it to shop on Amazon.com.

You also get an Amazon Gift Card upon approval.

As for interest, you can choose a percentage back or 0% APR for 6-18 months on $50 or more purchases. After the 0% promo period ends, a variable APR of 14.24% to 22.24% applies. Tap here to fill out an application for an Amazon Rewards card and see if you qualify.

6. Another way to score discounted products

Amazon Warehouse features items that were returned or slightly used. This includes refurbished or open-box items. It’s a great source for video games, appliances, power tools, cameras, school supplies and electronics in general. You can use your Prime benefits for free shipping, and there’s a good return policy.

Tap or click here to check out some wares from Amazon Warehouse. Be sure to check out the item’s condition, so you know what you’re getting.

On the other hand, Amazon Outlet includes closeout, clearance, and overstock items. For example, you may find holiday items that are out of season for ridiculously cheap.

You probably won’t find popular high-end items from Apple and Sony, but you can find good deals on accessories and lesser-known brands. Tap or click here to check out Amazon Outlet.

Bonus Tip: 10 security terms you need to know right now

You can’t protect your privacy and security if you don’t know the lingo. This episode covers 10 important security terms you need to know and tells you why they’re so crucial.

Источник: https://nypost.com/2021/12/05/quick-and-easy-ways-to-be-an-amazon-shopping-ninja-this-year/
Indianapolis - Circa September 2016: Amazon Prime Parcel Package.

Amazon Prime membership service offers free, two-day shipping on thousands of Amazon products and unlimited streaming of Amazon Prime movies and shows. You can rent e-books — from current favorites to former best-sellers — for free if you own a Kindle, Fire tablet or Fire phone and you’re an Amazon Prime member.

You can take advantage of numerous ways to obtain free and discounted Amazon Prime memberships and reap the benefits. Keep reading to find out seven ways you can get your Prime membership for free and start saving money when you shop with Amazon.

7 Ways to Get Free Amazon Prime Membership

You don’t have to fork over $99 to become an Amazon Prime member. You can actually take advantage of Prime benefits without having to spend a penny. Here are seven ways you can get free Amazon Prime membership:

1. Get an Amazon Prime Free Trial

You can try an Amazon Prime free trial membership if you don’t already have an account. After your Amazon Prime 30-day trial is over, you will be converted to a monthly subscription, which costs $10.99 per month, or you can pay a lump sum of $99 per year, which works out to $8.25 per month.

Amazon will offer you a free, 30-day trial each year. Should you cancel after amazon prime store credit card login Amazon Prime trial, you’ll have to wait 12 months for another chance to try it for free.

Related: 10 Features That Make Amazon Prime Worth the Money

2. Get an Amazon Prime Student Membership Trial

College students are privy to some great deals on credit cards, checking accounts and more. Students can also get an Amazon Prime free trial student program for six months. After the trial ends, you’re eligible to pay only $5.49 per month for the service (for four years or until you graduate, whichever comes first).

3. Share Amazon Prime With Your Family

Amazon Household is a smart choice when you need Amazon Prime for the long haul. If your roommate or parents have Amazon Prime, Amazon Household allows you to share your benefits with up to one other adult, four teens and four children in your household. All family members create and use their own logins and passwords. Children and teens can shop on their own, but parents must approve the order with a simple text.

Check Out: Amazon.com Store Credit Card Review — High Rewards for Frequent Shoppers

4. Earn Cash Back With the Amazon Prime Rewards Visa Card

At this time, no credit cards come with a complimentary Amazon Prime membership. Amazon, however, offers a Prime Rewards Visa Card and an Amazon store card. Each will get you 5 percent back cash back when you shop at Amazon.com, you’ll pay no annual fees and there are no earning caps. If you spend $2,000 over the course of the year on your Amazon credit card you’ll earn $100 cash back, which will pay for your Amazon Prime membership.

Amazon also offers the Amazon Rewards Visa Signature Card, which has no annual fee and enables you to earn:

  • 3 percent cash back when you shop at Amazon.com

  • 2 percent cash back at restaurants

  • 2 percent cash back at gas stations and drugstores

  • 1 percent cash back on all of your other purchases

You can see your rewards balance when you check out at Amazon.com and you don’t need a minimum balance to redeem them. You can use your rewards to purchase millions of items through Amazon.

5. Save on Amazon Prime Day

For the past three years, Amazon has celebrated “Prime Day” with a one-day sale on Amazon products like the Echo and Fire TV Stick, and electronics such as laptops, televisions, tablets and smartphones. Amazon will announce Amazon Prime Day in July 2018, and although it’s only available for Prime subscribers, you can use a free Prime trial to shop the great sales.

6. Become an Amazon Associate

Consider becoming an Amazon Associate. By doing this, you’ll earn a “bounty,” or bonus, when eligible customers complete certain actions, like registering for a third-party video subscription, creating an Amazon Baby Industry or signing up for an Amazon Prime free trial.

For 2018, you’ll get $3 for each person who registers for the Prime free trial. Refer just three people per month and you’ll pay for the cost of your annual membership.

7. Utilize Amazon Prime Discount Membership Options

An Electronic Benefits Transfer card might qualify you for a Prime membership for $5.99 per month. The following programs will qualify you:

  • Temporary Assistance for Needy Families

  • Women, Infants and Children

  • Supplemental Nutrition Assistance Program

  • Other programs by state

Amazon uses a state-of-the-art algorithm that automatically matches or beats competitors’ prices, which means there are numerous ways to save money on Amazon year-round. Keep an eye out for more ways to save on your favorite items.

Up Next:12 Clever Ways Amazon Gets You to Spend More

This article originally appeared on GOBankingRates.com: 7 Brilliantly Slick Ways to Get Amazon Prime for Free

Источник: https://finance.yahoo.com/news/7-brilliantly-slick-ways-amazon-100624129.html

Can I get an Amazon Rewards Visa just for the gift card and then close the account?

It might work, assuming you can instantly qualify for the credit card. I'd bet that isn't likely to happen if you have never had a credit card before though. (I extrapolate that to assume you don't have much of a credit report. I could be wrong.)

However, it is a gift card, not cash. You would at best get $30 worth of stuff and shipping from Amazon.

  • Your credit would take a hit from the credit inquiry.
  • Then get a small bump from the new credit limit increase and lower utilization.
  • Then you would amazon prime store credit card login it and your limit goes down because your utilization goes up, thereby making your credit score go lower.
    • (This assume you utilize credit in some other fashion at all)

Net effect? Your score goes down because you applied for the card. This is also highly dependent on the time frame in which this all happens. Credit reports won't show any activity for a couple of months. So the up and down could cancel each other out if you do it too fast.

My advice, don't apply for credit you don't want or need. Certainly don't apply for credit just to get a reward or discount. The rewards and discounts are only smart if you were already making the purchase.

To expand on the question you didn't ask, it is a pretty solid decision to get a credit card, especially if you don't need one.

  1. You will (sadly) be judged on your credit for more things that just buying stuff. (Insurance, jobs, rental agreements, etc)
  2. Credit takes time to build, so getting started before you need it is important.
  3. If you don't need it, you can develop good habits around credit. (Always pay it off, never carry a balance, never charge more than you can afford to pay that day)

I suggest you join a credit union and get a credit card from there. They will have programs and better deals.

Once you have the card from your credit union, and you if you find credit cards fit your lifestyle, AND if you find you can manage credit responsibly, then feel wfb baird cochin to find a rewards card you like (such as Amazon) and apply for it.

Источник: https://money.stackexchange.com/questions/18719/can-i-get-an-amazon-rewards-visa-just-for-the-gift-card-and-then-close-the-accou
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Editor’s note: SmarterTravel.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This story was originally published in 2017. It has been updated to reflect the most current information.

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Источник: https://www.smartertravel.com/secret-amazon-prime-perks/

If you’re a faithful Amazon.com shopper, you’ve probably at least considered the Amazon Store Card. Created for Amazon Prime shoppers, this card makes it easy to earn 5% back on whatever you buy at the online superstore. On the flip side, you can also choose to forgo the 5% back and stretch out your payments with zero interest over several months instead.

Like most store credit cards, the Amazon store card doesn’t charge an annual fee. However, it’s only good for Amazon.com purchases, and can’t be used just anywhere. Still, with free cash back and no fee, what’s not to like?

Like any other financial product, the devil is in the details when you look at how the Amazon Store Card works. Here’s a basic rundown of the Amazon card’s myriad financing options, along with how they can help you save.

How the Amazon Store Card Works

With the Amazon Store Card, you’ll earn:

  • 5% back on total cart purchases up to $149
  • 5% back or 6-month financing on purchases of $149 or more
  • 5% back or 12-month financing on purchases of $599 or more
  • 5% back or 24-month financing on select Amazon-sold items

In addition to these options, you can also enjoy 0% APR on specific Amazon purchases if you opt to make 12 equal monthly payments. This can come in handy if you plan to make a large Amazon.com purchase (holiday shopping, maybe?), but want to pay it off gradually without paying interest all along.

That all sounds great, but the fine print reveals the real kicker. Sure, you get 0% APR for a limited time, but because of the way interest is compounded and charged, you’ll be in for a rude awakening if you don’t pay your purchase in full by the time your promotional period is over.

If your balance doesn’t hit zero before the promotional period ends, you’ll owe backdated interest on the entire purchase. Worse, the Amazon Store Card comes with an APR of 26.24%!

In other words, failing to pay your balance in full before the 0% financing period ends means you’ll owe interest from the day you made the purchase. If you know anything about credit, you already know what a huge downside this is. And really, this should probably be a deal-breaker unless you’re 100% certain you can pay your purchase in full within the promotional timeline.

Another Option: Consider the Amazon.com Credit Card

If you’re not too keen on the way interest accrues with the Amazon Store Card, you can always consider the Amazon.com credit card instead. This card offers 3% back on Amazon.com purchases, 2% back at gas stations, restaurants, and drug stores, and 1% back on all other purchases.

Another important difference is that you don’t have to be an Amazon Prime member to apply. And like its store card counterpart, the Amazon.com credit card doesn’t charge an annual fee, either. Better yet, you can use the Amazon credit card anywhere Visa is accepted – and not just at Amazon.com.

And since it’s a traditional credit card, interest only accrues on actual balances you owe. Plus, the standard APR falls within a more reasonable range of 14.49% to 22.49%, based on your creditworthiness. That’s not great, but it’s better than the 26.24% APR the Amazon.com Store Card offers.

As a potential downside, you’ll only earn 3% back on Amazon.com purchases instead of the 5% you would earn with the store card. If you spend a lot on Amazon.com, the difference in earnings could be substantial.

A Better Option for Amazon.com Purchases?

Still, Amazon.com doesn’t have the market cornered on credit cards for their website. With Discover it® Cash Back, you get 1% unlimited cash back automatically on every purchase you make. The kicker is, you also get 5% cash back at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.

The Discover it® Cash Back offers your free FICO score on your monthly statement and no foreign transaction fees. That’s a amazon prime store credit card login sweet deal for a card that offers amazing rewards.

Too amazon prime store credit card login, didn’t read?

If you’re thinking of signing up for the Amazon.com Store Card, make sure to consider the alternatives that are out there. While it’s true 5 percent back is hard to beat, other rewards credit cards are fairly generous when it comes to Amazon.com purchases, too.

Do you have the Amazon Store Card or the Amazon.com credit card? Why or why not? What alternatives do you use instead?

Please Note: Information about the Discover it® Cash Back have been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.

Источник: https://www.thesimpledollar.com/credit-cards/should-you-get-the-amazon-store-card/

3 Ways To Pay Your Amazon Credit Card Bill

Credit Cards / Retail

CHIANG MAI,THAILAND, FBE 11 2016 : iPhone 6s plus showing AMAZON app on screen Amazon.

mrmohock / Shutterstock.com

An Amazon credit card gives you even bigger buying power at one of the world’s top shopping sites. With new and used products from both third-party sellers and its own massive inventory, the global retailer has something for everyone and provides a bevy of financial benefits with its branded card.

The Amazon Store Card can be used for most purchases on Amazon.com and Amazon-branded physical stores. Plus, if you opened your account before Jan. 1, 2021, you can use the card at merchants that accept Amazon Pay. Cardholders are also eligible for interest-free purchases for six, 12 or 24 months by making equal monthly payments. Plus, Amazon Prime Store Card users can earn 5% back in statement credits or Amazon rewards points on Amazon.com purchases.

After using your Amazon Store Card, you’ll need to pay your bill. Find out your options so you can avoid making a late payment.

How To Make Your Amazon Credit Card Payment Online

Whether you want to make a minimum payment or pay off your Amazon credit card balance, this popular Amazon credit card bill-pay option requires you to log in to your account at the Synchrony Bank Amazon online credit center. Follow these steps to make a one-time payment:

  1. Log in to your account.
  2. Place your cursor over “Payments” and then select “View and Make Payments.”
  3. Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.
  4. Select a payment date.
  5. Enter your bank’s routing number and your checking account number in the appropriate fields and confirm.

Synchrony also offers cardholders the option to “Pay as Guest,” which means you can pay without logging in to your account. To use this feature, you’ll need to enter your card number, Social Security number and ZIP code.

How To Pay Your Amazon Credit Card Bill by Phone

You can make a payment of any size by calling Synchrony Bank’s automated payment amazon prime store credit card login. You can also press zero to have a customer service representative assist you.

Here are the steps to pay your Amazon credit card bill by phone:

  1. Call Synchrony Bank at 866-634-8379.
  2. Wait for the prompts, and press two on your keypad.
  3. Listen to the prompts, and press one on your keypad.
  4. Enter your Amazon Store Card account number to allow the system to identify your account.
  5. Follow the prompts to make your payment.

How To Make an Amazon Credit Card Payment by Mail

Synchrony also accepts mailed payments. However, the crediting of your payment may be delayed up to five days after Synchrony acknowledges receipt. Follow these steps:

  1. Make out your check or money order to Synchrony Bank/Amazon.
  2. Place the remittance form from your statement with your payment, filling in the amount you wish to pay.
  3. Send your payment to:

Synchrony Bank / Amazon
P.O. Box 960013
Orlando, FL 32896-0013

When Is My Amazon Credit Card Bill Due?

As an Amazon cardholder, the due date for your Amazon credit card comes at a minimum of 23 days past the billing cycle’s close. You won’t be charged interest on purchases if your balance is paid by the due date every month. Payments are due by 5 p.m. ET. You will be charged a late fee of up to $40 if you fail to make your Amazon credit card payment on time.

Note that these payment instructions do not apply to Amazon Rewards Visa Signature cardholders. The Amazon Rewards Visa is financed by Chase Bank.

Cynthia Measom contributed to the reporting for this article.

About the Author

StacyCalvert creates online content from her home in Peoria, IL. She ghostwrites product descriptions, blog posts and static webpage content for small, medium and large businesses. Stacy has written articles for the Houston Chronicle, NestMagazine and other publications online.

Источник: https://www.gobankingrates.com/credit-cards/retail/best-ways-pay-amazon-credit-card-bill/

Travelers know convenience often comes at a price. And while some services don’t pay for themselves, Amazon Prime and the included Amazon Prime perks can be a worthwhile investment for tech-savvy and entertainment-driven travelers.

Membership now costs $119 annually (or $12.99 monthly); for that price, you get well-known benefits like free two-day shipping, access to exclusive deals, and Prime Video. But the real boon for travelers are the lesser-known Amazon Prime perks that deliver trip-ready extras like entertainment, last-minute delivery, photo storage, and even frequent flyer points. Here’s how to use Amazon Prime perks to become a more prepared and happier traveler.

How to Use Amazon Prime Perks for Travel

Amazon sign in page of website with a finger touching the screen

Want to give it a go? Try the Amazon Prime 30-Day Free Trial.

Already a Prime member? Sign up here to receive a weekly member-benefits newsletter and make the most of your membership.

Prime Reading and Audible

kindle ereader pile books

As an Amazon Prime member, you can read books like The Handmaid’s Tale and the Harry Potter series for free with Prime Reading. The feature offers over a thousand free books and magazines to download on any device with a Prime membership. Amazon also offers readers access to one pre-released book per month through Amazon First Reads. I think it’s one of the best secret Amazon Prime perks out there, especially for frequent travelers. As a Fire Tablet user, I browse this section before any long flight and download at least one free book for my trip.

Related:

15 Best Airplane Books for Long Flights

Offline Downloads for Entertainment

woman mobile device airplane seat

One of the best lesser-known Amazon Prime perks perfect for travelers is offline downloading for TV shows and movies. You can even search for this feature on the Amazon Video app. Just go to the Library icon, hit “Refine,” and filter by the “On Device” option. All downloads will go to a download folder on the app, or you can watch directly from the show’s or movie’s page.

Related:

11 Funny Books to Read on Your Next Trip

Shipping Benefits: Prime Now

Amazon prime now app on smartphone screen close-up

Yes, most people know free two-day shipping comes with a Prime membership, but did you know about the Amazon Prime perk that offers free same-day delivery? This feature is available in 10,000 cities (you can check availability by zip code here), and it’s perfect for travelers. Whether you’re packing last-minute and need a specific item or you forgot something and need it delivered to your hotel room, Prime Now is a great benefit for travelers. In select areas, Prime Members can get secure in-home, in-garage, and even in-car deliveries with Amazon Key.

Insider Tip: Did you know that you can earn rewards for future purchases with free, no-rush shipping? If you don’t need your Prime order right away, select No-Rush Shipping and receive a discount or reward for a future purchase. Prime members can also select an Amazon Day, which means you can have all of your orders arrive on a specific day of the week.

Access to Exclusive Products and Deals

Amazon Prime package on a front porch

An Amazon Prime membership grants access to a variety of products and deals that can save you money on travel-related products and clothes. Prime members have early access to Lightning Deals (also called Prime Early-Access Deals), Prime Exclusives, and a whole day or two dedicated to member shopping deals, Prime Day, which this year falls on June 21st and 22nd.

Another one of the lesser-known Amazon Prime perks is a service called Amazon Elements. This Prime-exclusive line is limited right now, but the idea behind it—a dedicated store that uses customer feedback and reviews to create better products—has the potential to become an invaluable tool for travelers who only have enough suitcase space for high-performing products.

Amazon is also providing discounts at Whole Foods for Prime members: Get an additional 10 percent off sale items and special deals on select items.

Insider Tip: If you order through Alexa-enabled voice shopping, you get access to even more amazon prime store credit card login and discounts as a Prime member.

Prime Photos and Drive

With Amazon Prime, you get unlimited photo storage via Amazon Photos, which is perfect for backing up your vacation photos and storing your favorite memories. Photos are easily organized, you amazon prime store credit card login share photos in a “Family Vault,” and you can even order prints directly from Amazon.

Prime members also get 5G of free storage for files, videos, and anything else you want to store on the cloud with Amazon Drive.

Prime Music and Video

man watching prime video on ipad

With Amazon Prime, you get unlimited, ad-free streaming on Amazon Music. And while Prime Music has over two million songs, Prime members also get a discount with Amazon’s other music streaming service, Amazon Music Unlimited.

Another one of the lesser-known Amazon Prime perks is Prime Video streaming, which grants you access to award-winning original movies and TV shows like Manchester by the Sea and The Man in the High Castle. Amazon also hosts other network Amazon prime store credit card login shows like Mr. Robot and The Sopranos. Prime Video also has a library of popular shows and movies to rent and buy.

Insider Tip: You can add premium network subscriptions to your Prime membership via Amazon Channels. This allows you to watch channels like HBO, STARZ, and Showtime without having a cable or satellite account.

JetBlue Affiliation

Person completing online purchase

JetBlue passengers can earn three TrueBlue points for Amazon purchases made in flight. Just make sure you understand which products are excluded from the offer—this includes things like subscription Kindle products and Amazon Fresh.

Amazon Credit Cards and Points

Amazon prime rewards visa signature card.

Making the most of every dollar you spend is another Amazon Prime perk. Prime members have exclusive access to certain credit cards: The Amazon Prime Store Card and Amazon Prime Rewards Visa Signature Card.

The Visa card gives you five percent back on Amazon and Whole Foods purchases and two percent back at restaurants, gas stations, and drugstores, with no annual fee. You can redeem your points for Amazon purchases, and the card also has travel benefits like no foreign transaction fees, baggage delay insurance, oil paint by number kits for adults travel accident insurance.

The Store card lets Prime members receive five percent back on Amazon and Whole Foods purchases, has no annual fee, and gives access to promotional financing.

Some credit card companies let you “Shop With Points” on Amazon, though you won’t get Prime benefits.

Food Delivery: Prime Pantry and Amazon Fresh

Amazon fresh insulated grocery delivery bags on front porch

Amazon Prime members also receive exclusive access to Prime Pantry. This service allows for convenient delivery for household items like toiletries, delivered straight to your door. Prime members also receive coupons and discounts on hundreds of items through this service.

If you want to schedule a delivery at a vacation rental or to have items waiting upon your return home, check out Amazon’s grocery delivery service, Amazon Fresh.

Discounted Memberships: Student and Family

If you’re ready to join Amazon Prime, look into some of the discounted membership services first to see if you qualify. Right now Amazon offers Amazon Family and Prime Student at discounted rates.

Amazon Family costs $119 per year with a free 30-day trial, but lets you create a household—meaning multiple users—for shared family benefits. Amazon Family also comes with discounted prices on Amazon Kids+ (previously FreeTime Unlimited)—a subscription service for kids’ entertainment—as well as special discounts on household products and diapers.

Prime Student comes at the discounted rate of $59 per year with a six-month free trial to start and a special student page filtered for college-specific needs.

Want to learn more? See 9 Smart Ways to Use Your Amazon Prime Account While Traveling.