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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.
What You Need for Good Amazon Credit Card Approval Odds
- Good credit or better
- Enough income to pay credit card bills
- Low debt relative to income
- Low housing costs relative to income
- U.S. mailing address
- Age of 18+
- Social Security Number or Individual Taxpayer Identification Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved.
If you want to enhance your application byimprovingyour credit score, WalletHub’sfree credit analysiscan tell you what steps to take.
This answer was first published on 02/05/21 and it was last updated on 02/27/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Not necessarily on the credit score. My score was in the low 600 and Chase approved me for a $1000. Then synchrony approved me for a $600 store card.
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Amazon Credit Card
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Rishabh, Member
@rishabhganguli1999
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I got approved for the Amazon Prime Visa Signature card a couple of days ago with a 626 Experian score. I have a 2% utilization and a $35 balance on my file when approved. I think what helped was that I don't have any debt obligations like a mortgage or rent. (19-year-old college student living with parents) 5 inquiries on my credit report counting the Chase inquiry for the card. If you’re in a similar situation it might be worth applying for. Still could be a longshot. Also, $30k annual income currently.
This answer was first published on 03/19/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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I have a 654 score, I only gave a car loan of $250…nothing else on my report and I still got denied
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Duan, Member
@duan_carter
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First, the Amazon Prime Rewards Visa Signature card is a Chase Bank credit card. Therefore, regardless of your credit; if you have acquired 5 new accounts in a 24 month period, you will be denied for this card. Research Chase Bank 5 new cards 24 month period rule
This answer was first published on 04/23/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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I vaguely remember reading someplace that they dont count co branded cards but i could be wrong. If i am wrong i will be denied an Amazon credit card. I didn't know, failed to look at who the card is co branded with. Im aware of the Chase policy tho.
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I've had far more that in just the past 6 months and a less than 640 score and just got approved for 1k so....
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Not necessarily true. I purchased my house 14 mths ago. Since then I have acquired 9 card. I have a 12% utilization, hight score high 700's, no late payments. Was approved on the spot 5k credit limit. So your theory is incorrect.
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Andre Campbell, Member
@andrec_51
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I was approved for the Amazon Visa Signature with more than 5 opened accounts in 24 months. The lowest limit they will give out is 500 and it is hard to increase from that limit. Chase is the lowest limit card I have and kept it open, so far.
This answer was first published on 01/14/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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They gave me a 5,000 limit then 3 months later took it up to 9,100
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@yradatus1: length of credit history is a biggie as far as approvals go. I have a 2.4 year credit history which is stellar in all scoring areas. I will be somewhat out of the doldrums next year
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In a way the low CL can be of some good because for me, i wouldn't want to spend over 30% on it thus eliminating impulsive buying on my part. If something costs more i would definitely give more attention to my budget.
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