Who Issues the Amazon Credit Card

Amazon Credit Cards are issued by two different banks depending on the card type. The Amazon Prime Visa is issued by Chase, while the Amazon Store Card and Amazon Secured Card are issued by Synchrony Bank.

Chase became the issuer of the Amazon Prime Visa after taking over the co branded program, while Synchrony continues to issue Amazon’s closed loop store cards. The Prime Visa can be used anywhere Visa is accepted, while the Store Card works only on Amazon purchases. Apply at amazon.com.

Amazon is a global technology and retail company headquartered in Seattle, Washington. It partners with both Chase and Synchrony Bank to offer different credit card products tied to its Prime membership and everyday shopping rewards.

Who Issues Amazon Credit Cards

Prior to the current arrangement, Synchrony Bank issued the Prime Rewards Visa before Chase took over that co branded program, illustrating how large retail card partnerships can shift between issuing banks over time.

Chase is the bank behind the Amazon Prime Visa, a general purpose card usable anywhere Visa is accepted. Synchrony Bank issues the Amazon Store Card and the Amazon Secured Card, both of which are closed loop cards limited to purchases on Amazon and at Whole Foods Market.

This dual issuer structure means Amazon works with two separate banking partners simultaneously, each handling a different segment of its overall credit card lineup rather than a single bank issuing every Amazon branded card.

What Chase and Synchrony Each Do

Readers who want more detail on Chase itself, including how it structures its own directly branded cards, can review the Chase Credit Card for additional background.

Chase manages underwriting, statement mailing, the online account portal, and customer service for Amazon Prime Visa cardholders, integrating the card into its broader Chase banking and rewards ecosystem.

Synchrony Bank manages the same functions for Amazon Store Card and Amazon Secured Card holders, operating these accounts through its established retail credit card servicing platform used for numerous other store card partnerships.

Amazon Credit Card Features

Both card families also offer periodic special financing promotions on qualifying larger purchases made through Amazon, though the specific terms and eligible categories can vary widely depending on the current active promotional period at any given time.

The Amazon Prime Visa offers 5 percent back on Amazon and Whole Foods purchases for Prime members, along with additional rewards on categories such as dining, gas, drugstores, and Chase Travel purchases, and it carries no annual card fee beyond the cost of a Prime membership.

The Amazon Store Card offers the same 5 percent back on Amazon purchases for Prime members but can only be used at Amazon, making it a narrower option, and it carries a variable purchase APR that is generally higher than the Prime Visa.

How the Amazon Cards Compare to Each Other

Shoppers who do not qualify for the Prime Visa due to limited credit history sometimes start with the Amazon Secured Card and later transition to an unsecured option once they have built a stronger credit profile.

Consumers deciding between the two main Amazon cards typically choose the Prime Visa for broader everyday spending flexibility, while those who want a straightforward Amazon only credit line, sometimes with easier approval, may lean toward the Synchrony issued Store Card.

The Amazon Secured Card, also issued by Synchrony, is aimed at applicants building or rebuilding credit, requiring a refundable security deposit in exchange for a starting credit line usable specifically on Amazon purchases going forward.

Applying for an Amazon Credit Card

Independent financial publications such as NerdWallet regularly compare the Amazon Prime Visa against the Amazon Store Card, which can help shoppers decide which option best fits their spending habits and credit profile.

Applicants can review and apply for any of the Amazon card options directly through the official Amazon credit card page, which lists current fees, rewards rates, and eligibility details for each card and issuing bank.

Because approval and credit limits depend on individual credit history, applicants should review the specific terms of each card before applying, since the Prime Visa, Store Card, and Secured Card are each designed to serve a different type of credit profile and spending pattern.

Frequently Asked Questions

Is the Amazon Prime Visa issued by the same bank as the Amazon Store Card?

No. The Amazon Prime Visa is issued by Chase, while the Amazon Store Card and Amazon Secured Card are issued by Synchrony Bank, making them entirely separate credit products backed by two different banking partners.

Can the Amazon Store Card be used anywhere other than Amazon?

Generally no. The Amazon Store Card is a closed loop card that can typically only be used at Amazon and Whole Foods Market, unlike the Amazon Prime Visa, which works anywhere Visa is accepted.

How can I talk to Amazon Credit Card customer service?

Cardholders can reach customer service through the phone number listed on the back of their card, contacting Chase for Prime Visa accounts or Synchrony for Store Card and Secured Card accounts.

What is the Amazon Credit Card payment address?

The correct mailing address for payments depends on the issuing bank and appears on each monthly billing statement. Cardholders can also confirm the current address through the official Amazon credit card page.

What are the requirements to get an Amazon credit card?

Issuers generally review income, existing debt, and credit history when deciding on an application, and federal rules limit what information a card issuer can request. Full detail on these protections is available from the Consumer Financial Protection Bureau.

How do I make an Amazon Credit Card payment?

Payments can be made online through the Chase or Synchrony account portal depending on the card, by mail using the address on the monthly statement, or by phone. Enrolling in autopay helps cardholders avoid a missed due date and any resulting late fee.

How do I make an Amazon Credit Card payment by phone?

Cardholders can make a payment by phone by calling the customer service number listed on the back of their card and following the automated payment prompts, or by speaking with a representative directly during normal business hours for additional help.