The Amazon Store Card is a closed-loop card, and its only real draw is 5% back at Amazon and Whole Foods Market for members with an eligible Prime membership, with no annual fee. Without Prime there is no 5% at all, and the card works only at Amazon, select Amazon stores, Whole Foods via an in-store code, and merchants that accept Amazon Pay. Its equal monthly payment plans can be handy, with 0% APR for 6 months on Amazon purchases of $50 to $599.99, 12 months on $600 or more, and 24 months on select items. The catch is a steep 29.49% regular APR on anything you carry outside those plans. The welcome offer is now listed at $0 after recently dropping from $10, though Amazon says a gift card amount shows after sign-in. Most Prime members who qualify for an open-loop card will get more flexibility elsewhere, so this makes most sense if you want Amazon financing.
Earn rates & credits
| Category | Rate |
|---|---|
Amazon.com Amazon and Whole Foods Market (In-Store Code required) with an eligible Prime membership; no 5% without Prime | 5% |
Card details
Regular APR | 29.49% variable |
Foreign transaction fee | None |