- £20 Amazon gift card for new cardholders
- Instant credit at Amazon as soon as you’re approved
- No annual or monthly account fees
Compare Amazon credit cards
Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
What types of credit card does Amazon offer?
Amazon currently offers two types of card. One is designed to help customers build their credit rating, and is essentially a stepping-stone to the other card – a premium card with a more competitive interest rate.
Amazon credit cards are issued on the Mastercard network, so you can use them pretty much anywhere.
The Amazon Classic is a credit-building card that offers a 3-month interest-free period on purchases, as well as an instant spend feature, with no annual fees. The card has a representative variable APR of 29.9%, with a purchase rate of 0% for 3 months reverting to 29.95%.
You can also be upgraded to the Amazon Platinum card if you make at least one transaction per month for 12 months, make all payments on time and stay within your credit limit.
A rewards card
The Amazon Platinum credit card offers similar features to the Classic card, but comes with a representative APR of 21.9%. You’ll receive 0% interest on all purchases for 3 months, with no annual fees, and earn a gift card for every 1,000 Amazon points you earn.
How do Amazon credit card rewards points work?
If you opt for a card that offers the chance to earn rewards points, you’ll earn them on all your day-to-day spending, but as you might expect, you’ll earn them at a better rate when you shop with Amazon. You’ll receive 1.5 points for every £2 spent on Amazon.co.uk, and 0.5 for every £2 spent anywhere else you use your card.
With an Amazon Platinum card, you’ll receive a £10 Amazon gift card for every 1,000 points you earn. This will be automatically loaded on to your Amazon account.
Can I use American Express Membership Rewards points on Amazon?
Yes, along with the Amazon rewards points system, you can also use your American Express membership points on Amazon.co.uk. When it comes to spending your points, 1,000 Amex rewards points is equal to £4.50 on Amazon and can be used to purchase millions of products currently available on Amazon.co.uk.
How to use Amex rewards points on Amazon
If you’d like to use your Amex rewards points to make purchases on Amazon, you can do so by following these steps:
- Sign in to your Amazon account.
- Link your Amex rewards card to your Amazon account.
- Shop on Amazon as you usually would.
- When you’re ready to make a purchase, proceed to checkout through your Shopping Basket, then select “Use Membership Rewards points” as the payment method.
If your American Express Membership Rewards card has been linked to your Amazon account and used to make a purchase, you’ll automatically see your points balance and be able to make purchases using those points.
Benefits of Amazon credit cards
- Free £20 Amazon gift card for new customers
- No annual fees
- Competitive rates
- Amazon rewards points program
- Instant credit at Amazon when your application for a card is approved
- You can manage your account easily through the Amazon Mastercard app
How do I apply for an Amazon credit card?
To be eligible for an Amazon credit card, you’ll need to meet the following requirements:
You’ll also need to meet Amazon’s credit requirements, which are based on your income, financial history and credit rating. You can check whether you’re likely to be approved for a credit card via the Amazon eligibility checker, without affecting your credit rating.
If you pass the eligibility check, you can then go ahead and apply for the card on the Amazon site. In the vast majority of cases you can expect an instant decision.
Frequently asked questions
Read more on this topic
TSB Advance Mastercard review 2020 TSB's entry into the low-APR credit card fray has one major catch: no ongoing interest-free grace period.
Find credit cards you can get approved for – with no effect on your credit score Let Finder check your chances of getting approved for a range of popular UK credit cards.
What to do if you’ve received a "persistent debt" letter or your card has been suspended If you have a credit card, persistent debt can have serious consequences for your finances. Here's what it means and how you can fix it.
Virgin Money Month Purchases Credit Card review 2020 Spread the cost of an upcoming expenditure without paying a penny in interest with this 0% deal from Virgin Money.
Billhop review Earn more reward points and get more time to pay your bills with Billhop, a service that lets you pay by credit card even when you (theoretically) can't.
Black credit cards Black credit cards are the cream of the credit card crop. See how they work and if you're eligible to get one.
American Express withdraws two credit cards from the market You can't apply for the Amex Rewards Purchases or for the Amex Rewards Low Rate credit cards anymore but there are alternatives.
Methodology for rating credit cards Get all the details on how we rate the credit cards we review. We look at costs, fees, features and how well a card performs compared to the rest of the market.
Does Aldi accept credit cards? See which credit cards you can use when shopping at Aldi, as well as your other payment options.
How to cancel a Barclaycard credit card Looking to cancel your Barclaycard? Find out what you need to do first and compare other options.