Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Amazon Prime Store Card Credit Builder

A strong credit building option, but currently unavailable for application.

    Consider this card if you frequently shop at and want to earn cash back on your purchases. This is a secured card that can also help you build your credit.

  • Get this card if you want to get special financing options on your purchases and build credit.
  • Pick something else if you want a more universal credit card or an unsecured card.
  • Apply with a poor credit score of 300 or higher.
No reviews yet. Write a review


Welcome offer

Up to 5%

Cash back


Annual fee


Purchase APR (variable)


Annual fee$0
Welcome offer$10 gift card upon account opening
Rewards5% back at
Purchase APR27.49% variable
Balance transfer APRN/A
Minimum Credit Score300
IssuerStore card

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

NOTE: As of May 2021, the Amazon Prime Store Card Credit Builder isn’t accepting applications and isn’t listed on the Amazon site. We’ll update this review should the product return.

If you often shop at and want to build your credit and earn cash back, consider the Amazon Prime Store Card Credit Builder. It’s a secured card that helps you save money on interest with 0% financing options for purchases over $149. You can pay for your purchases over time, but you must pay in full before the promotional period expires or you’ll end up paying high interest.

How to apply for Amazon Prime Store Card Credit Builder

You must be a Prime member to get all the benefits of this card. Otherwise, you’ll get the non-Prime version, which is the same card but without the cash back. Note that this is not the same card as Store Card, which is an unsecured card that shares the same features as the Amazon Prime Store Card Credit Builder. If Synchrony Banks decides to upgrade your card, you will be upgraded to the Store Card. Here’s how to apply for this card:

  1. Visit and locate the card.
  2. Click Apply now.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You can apply with a poor credit score of 300 or higher.

Amazon Prime Store Card Credit Builder benefits

  • Cash back.
    Earn 5% cash back on all purchases. This is a great benefit rarely offered by a secured card.
  • Promotional financing.
    Buy now and pay later for items over $149 purchased on, and get a 0% promo APR if you pay in full before the promotional period expires. The length of your special financing period will vary based on purchase amount.
  • Gift card.
    Amazon give you a $10 gift card upon account opening.
  • Build credit.
    Amazon will report to Experian, Equifax and TransUnion, which can help you build credit if you use your card responsibly.
  • Upgrade to an unsecured card.
    Get your activity reviewed starting from your first seven months by Synchrony Bank, the issuer of this card. If you qualify, you can upgrade to an unsecured card and your deposit will be returned to you.
  • No annual fee.
    Build your credit and enjoy promotional financing options on your Amazon purchases without paying an annual fee.
  • Get a free credit report.
    You get access to TransUnion CreditView dashboard. This can help you track your credit-building progress.

Amazon Prime Store Card Credit Builder drawbacks

  • Can’t combine perks.
    You can’t earn cash back and use promotional financing options on the same purchase. You will have to choose one.
  • Must be paid in full.
    You must pay your balance in full before the promotional period ends. Otherwise, you’ll pay interest from the date you made the purchase.
  • Secured card.
    You need to deposit $100 to $1,000 to act as your credit line. However, this sum is refundable in case you upgrade to an unsecured card or if you decide to close the account with no outstanding debt.
  • Limited use.
    You can only use the card for purchases.
  • High APR.
    The standard APR is 27.49% variable. This applies if your special financing period passes or if you make a purchase that doesn’t qualify for it.

How do I use the promotional financing?

Amazon gives you the option to buy now and pay later. In this case, you won’t accrue interest if you pay your purchase in full before the period expires. You can use two financing options:

  • Special financing.
    This option requires you to make at least the minimum payment each month, but the size of your payment can vary. Depending on your purchase, you can get:
    • 6 months financing for purchases of $149 or more.
    • 12 months financing for purchases of $599 or more.
    • 24 months financing for purchases of $799 or more.
  • Equal pay financing.
    For purchases of $300 or more, you can get 12 months to pay it off. However, you need to make equal monthly payments.

Compare store credit cards

If this card isn’t right for you, compare other store credit card options. Take a look at their features, such as rewards rate, APR and welcome offer, to determine which is the best fit for your wallet.

Name Product Annual fee Purchase APR Minimum Credit Score
Costco Anywhere Visa® Card by Citi
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Sam's Club® Mastercard®
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.

Compare up to 4 providers

Bottom line

If you’re an avid spender looking for deferred financing options or cash back while building credit at the same time, the Amazon Prime Store Card Credit Builder could be an excellent choice.

However, if you would like a more universal credit-building card, check out other secured cards and compare your options.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site