Amazon Prime Store Card
Earn 5% back on Amazon and Whole Foods with no annual fee
Earn unlimited 5% back at Amazon.com and Whole Foods Market with Prime membership. Plus 0% APR equal monthly payments on eligible Amazon purchases (not combinable with the 5% back on the same purchase). $0 annual fee makes this card ideal for Prime members who want simple, focused rewards without paying for extra benefits they won't use.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5% (Amazon)
Terms checked against the issuer on September 29, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair to Good
Earning Rates
- 5%
Amazon
5% back at Amazon.com with eligible Prime membership
- 5%
Whole Foods
5% back at Whole Foods Market (In-Store Code required)
Earning Scenarios
5% Back at Amazon.com with Prime
Spend $300/month at Amazon and earn $180/year in rewards — with $0 annual fee and no spend requirement.
5% Back on All Whole Foods Purchases
Weekly Whole Foods shopping of $100/month earns $60/year in rewards, stacking with any Prime shopping rewards.
Benefits & Perks
Insurance & Protections
3 protections0% APR Financing for 6-24 Months
Pay over time with equal monthly payments at 0% APR on qualifying purchases
Zero Fraud Liability Protection
Protected from unauthorized charges on your account
$0 Annual Fee
No annual fee to hold the card — Prime membership is separate
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | The Prime Store Card is available only to customers with an eligible Prime membership; without Prime the account is the Amazon Store Card. |
Payment Terms
| Purchase APR | 29.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
7 videosAmazon Store Card Review
Amazon Visa vs. Amazon Store Card
Amazon Prime Store Card Review 2022
Amazon Prime Store Card Review
Amazon Prime Credit Card FULL HONEST REVIEW
Amazon Credit Card Review: The Ultimate Store Card?
Third-Party Articles & Reviews
Amazon Store Card review: Rewards and financing for Amazon-only spending
Yahoo Finance review highlighting potential savings through 5% rewards and financing, while noting limited spending power restricted to Amazon only
Amazon Credit Cards: Which Is Right For You?
CNBC Select breakdown of Amazon's co-branded credit cards, helping readers choose between Store Card and Visa options based on credit profile and needs
Amazon Prime store card vs. Amazon Prime Visa
Yahoo Finance comparison noting that card choice depends on credit score, Amazon shopping frequency, and Prime membership status
Amazon Store Card credit card review: Full details
TPG's detailed review explaining that Prime membership is required to earn any rewards, with analysis of the 5% return and store-only restrictions
Amazon Store Card Reviews
WalletHub review noting the card is ideal for Prime members with fair credit, offering 5% back on Amazon purchases and special financing options
Amazon Prime Visa Vs. Amazon Prime Store Card: Which Is Better?
Forbes Advisor comparison of Amazon's two Prime cards, covering rewards rates, financing options, and usage restrictions. Gives Store Card 3.6/5 rating
Amazon Store Card Review 2025: Info, Pros, and Cons
Detailed 2025 review examining benefits, drawbacks, high 29.99% APR, restricted usage to Amazon ecosystem, and credit score requirements
5 Things to Know About the Amazon Store Card
NerdWallet guide covering key features including 5% back for Prime members, limited acceptance, and alternative options for those with good credit
Amazon Store Cards vs. Amazon Visa Credit Cards
Side-by-side comparison of store cards vs Visa options, covering usability, earning rewards, welcome offers, redemption methods, and card benefits
Amazon Prime Store Card To Lose Special Financing Option As Of February 16, 2026
Breaking news that special financing (deferred interest) will be discontinued starting February 16, 2026, though equal monthly payments remain available
Should You Get an Amazon Credit Card?
Credit.com guide examining whether Amazon cards are worth it, covering financing options (6-24 months 0% intro) and Prime membership benefits
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Amazon | Amazon | |
| The Points Guy | — | The Points Guy |
| Amazon | — | Amazon |
| Amazon | Amazon: Earn rates | |
| Amazon | Amazon: Earn rates | |
| Amazon | Amazon: Multiple card facts | |
| Amazon | Amazon: Multiple card facts | |
| Amazon (co-brand partner) | — | Amazon (co-brand partner) |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
