Amazon Store Card

Rewards by category

Our take

If your household runs on Prime and a meaningful share of monthly spending flows through Amazon, this card earns 5% back at Amazon.com and at Whole Foods Market with the in-store code. There is no annual fee, and the program is straight cash back, so 5% means five cents on the dollar with no point valuations to second-guess. For heavy Amazon shoppers, the math is about as simple as rewards get.

The catch is structural. This is a closed-loop store card issued by Synchrony, usable only inside the Amazon ecosystem, so it cannot anchor a wallet on its own. The 5% also depends entirely on an eligible Prime membership; without Prime the card earns no rewards at all, not a reduced rate. There is no signup bonus, and special financing on new purchases has been discontinued, so the Prime rate is the whole pitch.

Treat it as a single-purpose specialist. It exists for Amazon spending and nothing else, so pair it with a general-purpose card that earns everywhere else, and let this one handle only your Amazon orders. If your Prime membership lapses, the card stops earning entirely, and at that point the honest move is to route Amazon spending back to whatever flat-rate floor your wallet already has.

Store bonuses

• Amazon5%
• Whole Foods Market5%

Common questions

Does Amazon Store Card have an annual fee?

No — Amazon Store Card has no annual fee.

What rewards does Amazon Store Card earn on everything else?

0% on all other purchases, in Cash Back.

Can I use the Amazon Store Card anywhere besides Amazon?

No. It is a closed-loop store card issued by Synchrony Bank, accepted only at Amazon.com and at Whole Foods Market when you use the in-store code. Because it runs on no general payment network, keep a separate everyday card for every other merchant and reserve this one strictly for your Amazon orders.

Does the Amazon Store Card offer special financing on new purchases?

Not anymore; special financing on new purchases has been discontinued. That leaves the 5% back for eligible Prime members as the card's only real draw, since there is no signup bonus either. If you opened it mainly for the financing option, re-run the math, because without Prime the card earns no rewards at all.