Amazon Store

This is a closed-loop store card, usable only at Amazon, select Amazon physical stores, Whole Foods via an in-store code, and merchants that accept Amazon Pay, so it cannot function as a general-purpose card. Within that boundary it pays 5% back at Amazon and Whole Foods, but only with an eligible Prime membership: there is no 5% rate without Prime. The Prime Visa earns the same 5% on Amazon and works everywhere else too, which makes the store card hard to justify unless you specifically want the 0% equal monthly payments financing on purchases between $50 and $599.99 over six months, $600 and up over twelve, or twenty-four months on select items. Treat that financing as the entire reason to apply, because the 29.49% regular APR is punishing if you carry a balance outside a promotional plan. The approval gift card has been shrinking too, from $60 down to $10 in June and to nothing in July, so there is no meaningful signup incentive left.