What credit score is needed for Amazon credit card?
Typically, you can qualify for Synchrony's
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.
Chip Lupo, Credit Card Writer
Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.
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.
You can get the store card with fair credit (a 640+ score), and even people with bad credit can get the secured card.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
- Best secured credit card: Discover it® Secured Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit 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.
| Card name | Reward highlights | Fees |
|---|---|---|
| Mission Lane Cash Back Visa® Credit Card | Unlimited 1 percent or 1.5 percent for all qualifying purchases | $0 annual fee |
| Capital One Platinum Credit Card | N/A | $0 annual fee |
Will opening an Amazon credit card hurt my credit score?
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.
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.
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply.
When you apply for an Amazon Rewards card through Chase, the lender conducts a credit check, also known as a hard inquiry. Unlike soft inquiries, such as viewing your own credit report, which doesn't affect your credit score, hard inquiries usually cause your credit score to drop slightly.
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 many Americans have an 850 credit score? Only 1.31% of Americans with a FICO® Score have a perfect 850 credit score. While a score this high is rare among any demographic, older generations are more likely to have perfect credit. Baby boomers make up a whopping 59.4% of the people with an 850 credit score.
70% of U.S. consumers' FICO® Scores are higher than 650. What's more, your score of 650 is very close to the Good credit score range of 670-739.
The best credit card for a 650 credit score is the Citi Double Cash Card, which has a $0 annual fee and offers 2% cash back on purchases. The Citi Double Cash Card also reports to the major credit bureaus every month, so it can help you improve your credit history if used responsibly.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
What credit card has a $2000 limit for bad credit?
| Lender | Scholaroo rating |
|---|---|
| Petal 1 Rise Credit Card Best for no security deposit Visit website | 4.5/5 |
| Surge® Platinum Mastercard® Best for choosing your own card design Visit website | 4.2/5 |
| Reflex® Platinum Mastercard® Best for an instant decision Visit website | 4.2/5 |
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
- Excellent: Credit score above 720.
- Good: Credit score above 680.
- Fair: Credit score above 640.
The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features. The two credit features have some different rates, fees and rewards.
More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.
