How To Find Amazon Credit Card Number
Be honest: You probably store on Amazon more than you should.
Even if you lot try to buy local — rather than lining the pockets of the richest man in the globe — sometimes the convenience and ubiquity of the 'Zon is too much to resist.
Then, whether yous're a diehard Amazon shopper or but an occasional user, y'all might be wondering whether y'all could salvage some bucks with Amazon credit cards. Here's what you demand to know.
Insider tip
Always visit Amazon through this URL: smile.amazon.com. By doing so, you'll back up a clemency of your selection when you lot shop, at no actress cost to you!
7 Amazon Credit Cards, Compared
As with the website itself, you've got quite a few choices when it comes to Amazon's credit cards.
Virtually of the cards have Prime and non-Prime number versions; y'all'll receive the former if you're a Prime member, and the latter if y'all're not. That'due south not permanent, though: If you have the non-Prime version of a bill of fare and become a Prime member, y'all can asking to be upgraded. Likewise, if you have a Prime card and cancel your Prime account, it's likely that your bill of fare will automatically be downgraded.
Here's a brief rundown of the seven Amazon rewards credit cards currently bachelor — click on their names or images to learn more than.
This flagship Amazon credit card is bachelor only if you lot have Prime: an Amazon program that costs $119/year and counts 112 million Americans amongst its members.
Besides what you're already paying for Prime number, this greenbacks dorsum card has no almanac fee and no foreign transaction fees. It earns a generous v% cash back at Amazon.com and Whole Foods Market; ii% at restaurants, gas stations, and drug stores; and 1% dorsum on everything else. You'll besides get a decent Amazon gift card welcome bonus.
If you're already a Prime member who takes reward of its many perks, including costless ii-day shipping, Amazon Prime video, and discounts at Whole Foods, then this is the best Amazon credit card.
If you're not a Prime fellow member, you demand to decide whether this card's benefits outweigh the costs — peculiarly when considering that the Amazon Rewards Visa Signature Card earns like rewards (and doesn't require a $119/yr Prime membership).
Yay: On Prime number Twenty-four hour period and Cyber Monday, Amazon sometimes gives additional greenbacks back or discounts to its card members. And nay: The five% cash back rate doesn't apply to international Amazon sites (think: Amazon.co.uk).
As noted above, this bill of fare is virtually identical to the Prime Rewards card, with three major differences:
- You don't need to exist a Prime member.
- You'll only earn 3% cash back at Amazon.com and Whole Foods Marketplace (instead of 5%).
- You lot'll receive a $50 Amazon gift card when you lot're approved (rather than a $100 one).
If y'all're an occasional Amazon or Whole Foods shopper who doesn't see the point of paying $119/yr for Prime, and so this card might be a good fit. It notwithstanding earns solid rewards at Amazon and Whole Foods, likewise as at restaurants, gas stations, and drugstores.
In general, we'd say this card is a better choice if you A) don't already have an Amazon Prime membership and B) spend less than $495/month (really $5,950/year) at Amazon and Whole Foods.
Because, from a pure greenbacks back standpoint, that's the amount you'd need to spend to brand the Prime Advantage'due south fee worth its additional 2% in greenbacks dorsum rewards.
- Amazon Rewards Visa Signature Menu: $5,950/twelvemonth x 3% greenbacks dorsum = $178.50 earned
- Amazon Prime number Rewards Visa Signature Card: $five,950/twelvemonth ten five% cash dorsum– $119 annual membership fee for Prime number = $178.fifty earned
That said, Prime membership also comes with free two-mean solar day shipping and Amazon Prime Video, whose values depend on how often you lot use them. And then don't forget to factor those into your calculations — and don't forget there are enough of other credit cards with no annual fees, equally well.
Aside from a $10 gift carte du jour upon approval, this card doesn't have a lot of frills. Y'all tin but use it when shopping at Amazon; its principal purpose is to finance Amazon purchases over time.
When you purchase something at Amazon with this card, you lot tin can choose to pay it over half dozen, 12, or 24 months with no interest, depending on the amount of the buy. You tin pay in set up monthly installments or on your own schedule.
Here are the purchase requirements and accompanying involvement-gratuitous timeframes:
- $150 or more: six months
- $600 or more: 12 months
- $800 or more: 24 months
In other words, spend $600, and you'll have 12 months to pay off your neb — without interest.
The catch, nonetheless, is that this menu comes with "deferred involvement." Which ways if in that location'southward any balance left over at the end of the promotional period, or if you miss a payment, you'll be billed for ALL of the interest you would take accrued from the beginning. So be really careful to only finance a buy if you lot're confident you can pay off the entire balance within the allotted timeframe.
Another heads-upwards: This carte du jour and the i following are issued past Synchrony Financial, which has a reputation for poor customer service. If you're interested in true 0% intro APR cards — which piece of work at any store, don't charge deferred interest, and come from reputable issuers — here'due south a list of our favorites.
This store card, which is merely available to Prime number members, comes with a $100 instant gift card, the same involvement-free financing terms as above, and 5% greenbacks back at Amazon.
You lot tin't, however, receive interest-free financing andcash back on the same purchase. If you buy a $1,000 figurer on Amazon on the carte, for example, you can pay it off over 24 months without any interest — merely you won't get v% cash back on the buy. If you lot choose to become the v% cash dorsum instead, you'll need to pay it off within your billing cycle, by the statement due date, to avoid interest charges.
The information related to Amazon Business Prime American Express Carte has been nerveless by Credit Carte Insider and has non been reviewed or provided by the issuer or provider of this product.
This bill of fare is targeted at users who have both a Prime number membership and a business. The introductory bonus is a $125 souvenir card upon approval.
It offers 5% cash back at Amazon Business, Amazon Spider web Services (AWS), Amazon.com, and Whole Foods (upwards to $120,000 spent per twelvemonth); 2% back at U.S. restaurants, U.S. gas stations, wireless telephone services purchased straight from U.S. providers; and 1% on everything else.
Similar the store bill of fare, you tin choose to forgo the five% cash back and receive interest-free financing instead; if yous go this route, you'll have ninety days to pay off your purchase.
Don't accept a Prime number membership? Y'all can notwithstanding apply for the non-Prime version of this business organisation credit bill of fare: the Amazon Business American Express Card. You'll exist eligible for iii% cash back at Amazon and its subsidiaries (up to $120,000 spent per year), or 60 days interest-free financing.
How Do Amazon Credit Bill of fare Rewards Piece of work?
When you're gear up to redeem the greenbacks dorsum you lot've earned (which comes in the form of points: $1 = 100 points), you'll go the most value from: argument credits, which reduce the amount y'all owe on your credit card pecker, or Shop with Points, which lets you pay for Amazon purchases with the points you lot've accrued.
While both are good redemption options, we'd recommend using your points for argument cred its.Why? If y'all use your Amazon points to cover a purchase, yous'll miss out on the three%–5% cash back rewards yous would've earned by paying with your Amazon credit menu.
If you simply love the feeling of getting a purchase for "free," however, here's how Shop with Points works: In one case yous've added your credit card to your Amazon business relationship, you'll run into your available rewards at checkout.
You lot can apply your rewards points immediately to your balance, or salvage them for adjacent time. If yous don't have enough points to cover your purchase, you tin put the residuum on — what else? — your Amazon credit carte du jour.
How to Shop with Points with Amazon credit cards. Epitome credit: Amazon
You lot can't buy everything on Amazon through Shop with Points, though. Excluded items include: "Amazon Kindle downloads, digital music, Amazon video titles, Amazon Appstore apps, AmazonFresh items, Subscribe and Save items, Magazine subscriptions, Pre-society items, Textbook rentals, AmazonAllowance and Reload your balance (Gift Cards)." Oh, and if you're a fan of one-click shopping (so unsafe, just so good), you lot can't employ that with points either.
Amazon Credit Carte: How to Pay Your Bill?
One time you lot have an Amazon credit card and take racked up some purchases, you might be wondering how to make your monthly payments.
Do yous log in to Amazon? Or Hunt Bank? Can you merely enquire Jeff Bezos to comprehend your balance for you? (Unfortunately, no.)
How to pay your Amazon credit card depends on which card you accept. To pay your beak, you'll demand to go through your credit card issuer (not Amazon itself).
- If y'all accept the Amazon Prime Rewards Visa Signature Card or Amazon Rewards Visa Signature Card, you lot'll set up an online account through Chase's website or app.
- If you have the Amazon.com Store Menu, Amazon Prime Store Bill of fare, or Amazon Secured Card, you'll prepare an online account through Synchrony's website or app.
- If you accept the Amazon Business Prime American Limited Card or Amazon Business American Express Card, you'll prepare an online business relationship through American Limited'southward website or app.
Need further help? Call the number on the dorsum of your card. You should be able to pay over the phone, or go information about your online payment options.
Is the Amazon Prime number Credit Card Worth It?
If you already accept a Prime membership, the Amazon Prime Rewards Visa Signature Card is an obvious pick.
Non merely will you receive an instant credit to help showtime the cost of your Prime number membership, but y'all'll also earn 5% cash back on all your Amazon and Whole Foods purchases. If you spend $500/month betwixt the ii, that's an extra $300/year just for doing your shopping like normal.
Only, if you're not already a Prime fellow member — and don't call up its perks are worth the cost — then maybe an Amazon bill of fare isn't right for yous. Unless you lot're doing a decent amount of shopping at Amazon or Whole Foods, y'all can get more versatile rewards with other cash dorsum credit cards.
What Are the Best Alternatives to Amazon Credit Cards?
- Blueish Cash Preferred® Card from American Express (Review), which earns 6% back at any U.S. supermarket (on the kickoff $6,000 annually), 6% back on select streaming services, and iii% back at U.Southward. gas stations and for transit. You can oft buy Amazon gift cards at grocery stores, essentially earning a vi% rewards rate at Amazon, besides. Terms Apply.
- U.S. Banking concern Cash+™ Visa Signature® Carte du jour (Review), which allows you lot to choose a different 5% category each quarter; examples include electronic stores, internet and streaming, and furniture stores. You tin can cull a two% category, too: either gas stations, grocery stores, or restaurants.
- , which earns 2% cash back on everything, everywhere — and doesn't have an almanac fee (you'll get 1% for purchases, ane% for payments and you must pay at least the minimum due on time).
- Chase Freedom Flex℠ (Review) and Discover information technology® Greenbacks Back (Review), which offering 5% rotating quarterly greenbacks back bonus categories, often including Amazon, drugstores, department stores, and grocery stores (upward to $ane,500 spent per quarter, then 1%; activation required). The Discover it Cash Back fifty-fifty doubles your cash dorsum at the cease of your showtime year, potentially garnering you 10% back on Amazon purchases!
- Ink Business organisation Cash® Credit Carte du jour (Review), which offers 5% greenbacks back at office supply stores and on net, phone, and cable services; two% at gas stations and restaurants; and $750 cash bonus for spending $7,500 in the first iii months after account opening.
As y'all tin run across, whether you're an Amazon shopper or not, there'southward certainly a credit carte du jour out there for you.
For rates and fees of the Blue Cash Preferred® Bill of fare from American Express, please click here.
Source: https://www.creditcardinsider.com/blog/amazon-credit-cards-are-they-worth-it/
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