What Is The Amazon Prime Store Card? (How It Works + Other FAQs)

Amazon continuously finds innovations to make a customer’s shopping experience easier and more streamlined. For example, Amazon offers its Prime members exclusive deals and rapid shipping for select products.

If you have been looking into Amazon recently, you may have noticed something called the Amazon Prime Store Card and asked, what is this card? And who is it available to? I asked the same questions and looked into it more. Here’s everything I discovered!

What Is The Amazon Prime Store Card In 2022?

An Amazon Prime Store Card is a credit card that Amazon offers to Prime members who qualify as of 2022. The credit card offers 5% cashback on everyday Amazon purchases, 5-15% cashback on select rotating items, no annual fees, 0% APR financing, and a $60 Amazon gift card upon approval.

If you want to learn more about the Amazon Prime Store Card, how long you have to make payments, whether or not you have to be an Amazon Prime member, and more, keep reading! I’ve looked into everything you need to know!

What Is The Amazon Prime Store Card?

The Amazon Prime Store Card is a type of credit card that Amazon offers to some of its customers. Further, cardholders can earn 5% cashback on everyday Amazon purchases.

Additionally, customers receive a $60 Amazon gift card after their Amazon Prime Store Card application is approved.

What Other Features Are Included In The Amazon Prime Store Card?

The Amazon Prime Store Card comes with several features that are designed to offer customer rewards for shopping at Amazon.

With that, here are some of the features included in the Amazon Prime Store Card:

  • 5% cashback on Amazon purchases
  • Extra 5-15% cashback on select items (which continuously rotate throughout the year)
  • 0% APR financing (buy products now and pay over time with equal monthly payments on select purchases)
  • No annual fees

As you can see, several benefits come with signing up for the Amazon Prime Store Card.

Do You Have To Be A Prime Member To Get The Prime Store Card?

Yes, you must be an Amazon Prime member to qualify for the Amazon Prime Store Card.

After getting approved for the credit card, you can redeem rewards as savings on Amazon purchases. Or, you can choose to redeem rewards as a statement credit instead.

How Much Does A Prime Membership Cost?

A standard Amazon Prime membership plan costs $15 a month or $139 a year if you decide to pay upfront.

However, if you are a student, you can receive a discounted Amazon Prime membership. That said, Amazon Prime for students costs $7.49 a month or $69 a year if you pay upfront.

Finally, there are some circumstances where Amazon will offer a discount on a Prime membership at $6.99 a month.

With that, these discounts apply to people who qualify for Medicaid, EBT/SNAP, and similar government assistance programs. 

How Many Months Do You Have To Make Payments On Prime Store Cards?

How Many Months Do You Have To Make Payments On Prime Store Cards? Amazon

One convenient aspect of Amazon Prime Store Cards is the 0% APR financing feature, allowing customers to split up payments over several months.

Further, here is a breakdown of how long you have to pay for Amazon Prime Store Card purchases depending on the total purchase amount:

  • For purchases of $150 or more: customers can split payments into six equal monthly payments
  • For purchases of $600 or more: customers can split payments into 12 equal monthly payments
  • For select purchases only: customers can split payments into 24 equal monthly payments

How Do Amazon Prime Store Cardholder Rewards Work?

As previously mentioned, the Amazon Prime Store Card offers 5% cashback on most Amazon purchases.

That said, the rewards point equals 5% of the eligible purchase in question, so one reward point equals $1 in rewards.

Then, these rewards are credited to the cardholder’s rewards points balance within one to two billing cycles.

After the rewards points are added to an account, a cardholder can see their balance in the “Amazon Store Card monthly statement.”

Where Can You Use The Amazon Prime Store Card?

Currently, you can only use the Amazon Prime Store Card on Amazon or other Amazon-affiliated companies.

For example, here is a list of locations that accept the Amazon Prime Store Card:

  • Amazon.com (both retail and marketplace)
  • Amazon Business
  • Amazon Prime membership
  • Amazon Go
  • AWS
  • Audible
  • Amazon Bookstore
  • Amazon’s Four-Star stores
  • Alexa Skills
  • Amazon Pay
  • Amazon Fresh
  • Audible.com
  • Comixology.com (an online comic book store that Amazon owns)

Do Customers Like The Amazon Prime Store Card?

There are very mixed reviews about the Amazon Prime Store Card. Overall, the credit card received four out of five stars on Amazon’s website, with 15% of reviews being one-star reviews.

Further, the most popular complaint about the Amazon Prime Store Card is that the payment site didn’t operate correctly, making things extremely inconvenient.

Additionally, some customers noted that the credit limit is far too low for those who have excellent credit.

To know more, you can also read our posts on Amazon Prime trial without a credit card, what is Amazon Prime Pantry, and what is Amazon Prime Gaming.

Conclusion

The Amazon Prime Store Card is a credit card that Amazon exclusively offers to Amazon Prime members.

With that, the credit card allows users to earn 5% cashback on many Amazon purchases. Additionally, Amazon allows users to earn 5-15% cashback on select items that change throughout the year.

Also, the Amazon Prime Store Card comes with no annual fees and 0% APR financing.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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