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Shoppers who are looking for more ways to save should consider signing up for the Amazon Prime Visa card.
While this no-annual-fee credit card is only available to consumers who already have an Amazon Prime membership — which currently costs $139 annually or $14.99 per month, with discounted pricing for students and those receiving government assistance — new cardholders can take advantage of a lucrative welcome bonus that'll at least help offset part of that expense for your first year: earning a $200 Gift Card instantly upon approval
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), 10% back or more on a rotating selection of products and categories at Amazon.com, unlimited 1% back on all other purchases
Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
$0 (but Prime membership is required)
19.49% - 27.49% variable
Balance transfer fee
Either $5 or 4% of the amount of each transfer, whichever is greater.
Foreign transaction fee
Cardholders also receive 5% back in rewards for all Amazon.com and Whole Foods Market purchases, as well as 2% back at restaurants, gas stations and drugstores and 1% back for all other purchases. You'll also be able to score 10% or more back on Amazon.com limited-time offers, based on rotating spending categories and products, and won't have to worry about paying foreign transaction fees for using the card abroad. These reward rates make it the best credit card to use when shopping at Amazon.
Below, Select looks at what kind of credit score you'll need to qualify for the Prime Visa, as well as another Amazon credit card that could help you earn rewards for all your purchases with the popular online retailer.
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Generally, credit card issuers will look at your credit score, income, recent credit applications and credit history when approving you for a new card. Keep in mind that while your FICO credit score is one of the most important factors, it is not the only one that's taken into consideration.
FICO score factors:
- Payment history (35%) — If you've made your previous payments on time
- Amounts owed (30%) — Your credit utilization ratio, or the ratio of the amount of credit you're using to the amount that's been extended and owed on your accounts
- Length of credit history (15%) — The amount of time you've had credit
- New credit (10%) — How often you open new accounts
- Credit mix (10%) — Whether you have different types of credit, such as installment loans or revolving lines of credit
Issuers will typically consider your FICO 8 score, one of the most widely used scoring models, which ranges from 300 to 850. Higher scores indicate a greater level of creditworthiness, or, the likelihood that a cardholder will be able to pay their bill on time and in full.
FICO Score ranges:
- Very poor: 300 to 579
- Fair: 580 to 669
- Good: 670 to 739
- Very good: 740 to 799
- Excellent: 800 to 850
For the Prime Visa, you'll likely need a good credit score (670 or above) to qualify. Having a good credit score does not necessarily guarantee you'll be approved, but the higher it is, the more it does improve your chances.
In order to maintain a good FICO score, be sure to make your other credit payments on time and in full, keep a low credit utilization ratio and limit the number of credit applications you are submitting.
If you don't shop online enough to make an Amazon Prime membership worth your while, you may want to think about signing up for the Amazon Visa card instead — especially since new cardholders can receive a $50 Amazon.com gift card upon approval as a welcome bonus.
3% cash back at Amazon.com, Amazon Fresh and Whole Foods Market; 3% back on purchases made through Chase Travel; 2% back at restaurants, gas stations and local transit and commuting; 2% back on local transit and commuting, including rideshare; 1% back on all other purchases
Earn a $50 Gift Card instantly upon approval.
19.49% to 27.49% variable
Balance transfer fee
4%, $5 minimum
Foreign transaction fee
See our methodology, terms apply.
Note that this no-annual fee credit card does offer a lower rewards rate than the Prime Rewards card, but you'll still earn 3% back for shopping at Amazon.com and Whole Foods Market; as well as 2% back for spending at restaurants, gas stations and drugstores; and 1% back for all other purchases.
To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.
Both are no-annual-fee cards that offer Amazon gift cards as welcome bonuses and higher rewards rates for shopping with Amazon.com and Whole Foods Markets.
The Prime Visa is a good option for anyone who uses Amazon frequently and plans signing up for (or already has) an Amazon Prime membership. For those who are not regular Amazon shoppers, the Amazon Rewards Visa Signature Card is a better choice and also lets you save.
Information about the Amazon cards have been collected independently by Select and have not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.