Rewards
5% cash back
Earn 5% rewards at Amazon and Whole Foods Market with an eligible Prime membership.
3% cash back
Earn 3% cash back on Amazon and Whole Foods if you don't have an Amazon Prime membership.
2% cash back
Earn 2% rewards at restaurants.
2% cash back
Earn 2% rewards at gas stations.
1% cash back
Earn 1% rewards on all other purchases.
Welcome Bonus
Earn $100 Amazon Gift Card Instantly upon approval.
Pros & Cons
Pros
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
Cons
- High APR
- Need a Prime membership to get the best rewards
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 18.74% to 26.74% (V) APR |
What Credit Score Is Required to Get the Amazon Prime Rewards
Based on data we’ve collected from public forums, a credit score of 680 or higher is ideal. We have seen an approval with a score as low as 630, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/13/2022 | Equifax | ||
| Approved | 07/13/2022 | Experian | ||
| Approved | 07/13/2022 | TransUnion | ||
| Approved | 12/28/2022 | Experian | ||
| Approved | 12/28/2022 | Equifax | ||
| Approved | 12/28/2022 | TransUnion | ||
| Approved | 10/13/2020 | Not Provided | ||
| Approved | 11/23/2022 | Experian | ||
| Approved | 11/23/2022 | TransUnion | ||
| Approved | 11/23/2023 | Equifax | ||
| Approved | 11/11/2021 | Not Provided |
What Are the Best Alternatives?
Citi Custom Cash Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Wells Fargo Active Cash Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$95