Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.
Compare Amazon credit cards for April 2024
Amazon credit cards let you earn rewards points to spend on Amazon.co.uk – with no annual fees to worry about.
Compare business credit cards from Amazon
Table: sorted by representative APR, promoted deals first
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What types of credit card does Amazon offer?
Currently, there are no Amazon consumer credit cards available, only Amazon Business American Express credit cards. Previously, Amazon offered both credit building and rewards consumer credit cards.
A “credit-builder”
The Amazon Classic was a credit-building card that offered a 3-month interest-free period on purchases, as well as an instant spend feature, with no annual fees.
Discover and compare credit builders
A rewards card
The Amazon Platinum credit card offered similar features to the Classic card, but came with a higher representative APR, with no annual fees and you could earn a gift card for every 1,000 Amazon points you earn.
Discover and compare rewards cards
How do Amazon credit card rewards points work?
With the Amazon Buisness American Express card, you could earn a welcome offer of £25 and receive a further £75 when you spend £1,000 in the first 3 months of Card Membership. You’ll also earn 1.5% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
With the Amazon Buisness Prime American Express card, you could earn a £100 Amazon.co.uk Gift Card welcome offer upon approval. You’ll also earn 2% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
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:
- 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
Finder credit card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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