If you’re interested in the perks that come with the Amazon Prime Visa, the next step is learning how to apply. Fortunately, the process is quick and easy to complete online—so you can get approved and start enjoying your card in no time. Here’s what you need to know:
Fees and Rates
While Amazon Prime Visa fees can vary based on region, credit profile, and time, there are some general guidelines to keep in mind. Currently, there’s no annual fee for the card itself. However, an active Amazon Prime membership is required, which costs $139 per year or $14.99 per month.
The variable APR ranges from 19.49% to 28.24%, depending on your creditworthiness. This falls within the standard market range. One major benefit: there’s no foreign transaction fee, which is a great perk for frequent travelers or international shoppers. For balance transfers or cash advances, there’s a fee of $5 or 4% of the transaction amount, whichever is greater.
Who Can Apply for the Amazon Prime Visa?
To qualify, you need to be an active Amazon Prime member, ideally with the membership under your name. You must also have a registered Amazon.com account to access Amazon’s financial products and services.
While there’s no official age or income requirement, applicants typically need a FICO credit score of 670 or higher (good to excellent credit). It’s also recommended to have at least 6 to 12 months of credit history without recent credit card applications to improve your chances of approval.
How to Apply for the Card
Once you’ve reviewed the Prime Visa’s features and benefits, you can apply directly through your Amazon account. Just head to the credit card section under your account menu and follow the application prompts.
You’ll need to provide your Social Security Number (SSN), income details, and other personal information for credit verification. In most cases, you’ll get a decision the same day—either through the Amazon app or on the website.
If approved, you’ll instantly receive a digital version of your card to start using right away. You can also choose the shipping address for your physical card. Your welcome bonus, including the Amazon gift card, will be added directly to your Amazon account.
Pro Tip: Use Chase’s pre-approval tool—since Chase is Amazon’s card partner—to check your eligibility without a hard credit inquiry. This won’t affect your credit score and gives you a better idea of your chances before submitting a full application.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://boisla.com/category/credit-cards/
