Compare Amazon credit cards for October 2020

Amazon credit cards let you earn rewards points to spend on Amazon.co.uk – with no annual fees to worry about.

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Amazon
  • £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

Table: sorted by length of 0% balance transfer offer, promoted deals first
Data indicated here is updated daily
Name Product Rewards earn rate Max. intro bonus Purchases Rep. APR Link Incentive Representative example
Amazon Platinum Mastercard
1 point per £1.33 spent with selected partners
1 point per £4 spent elsewhere
2,000 points
0% for 3 months reverting to 21.94%
21.9% (variable)
More Info
Earn 1.5 Amazon reward points per £2 spent at Amazon.co.uk. Earn 0.5 Amazon reward point per £2 spent elsewhere. Whenever your Amazon reward points reach 1,000 a £10 Amazon.co.uk Gift Card will be automatically linked to your Amazon.co.uk account. For Amazon Prime members - earn 3 Amazon reward points per £2 spent at Amazon.co.uk and earn 0.5 Amazon Reward point per £2 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
Amazon Classic Mastercard
N/A
N/A
0% for 3 months reverting to 29.95%
29.9% (variable)
More Info
Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months..
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
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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.

Compare business credit cards from Amazon

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Link Incentive Representative example
Amazon Business American Express Card
£25 Welcome giftcard
1 point per £2 spent
£50 per annum
32.6% (variable)
More Info
Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £50 per annum, your representative rate is 32.6% APR (variable).
Amazon Business Prime American Express Card
£50 Welcome giftcard
1 point per £2 spent
Year 1 - £0, Year 2 onwards - £50 per annum
32.6% (variable)
More Info
Earn 2% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 90 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 32.6% APR (variable).
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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.

A “credit-builder”

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.

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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.

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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:

  1. Sign in to your Amazon account.
  2. Link your Amex rewards card to your Amazon account.
  3. Shop on Amazon as you usually would.
  4. 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:

  • Be at least 18 years old
  • Have a current UK bank account and UK mobile number
  • Be a permanent UK resident and have lived in the UK for the previous 12 months

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

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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