Amazon Mastercard Credit Card - How to Order Online

The Amazon Mastercard Credit Card offers a convenient way to earn rewards while shopping.

It provides exclusive cashback benefits, making it an attractive choice for frequent Amazon users.

Ordering online is simple and ensures a quick approval process.

Eligibility Requirements

Before applying, check if you meet the eligibility criteria. Meeting these requirements improves your chances of approval.

Applicants must be at least 18 years old. The age requirement varies by country.
A valid government-issued ID is required. Accepted forms include a passport, driver’s license, or national ID.
A good credit score is necessary. A score of 670 or higher improves the chances of approval.
Applicants must be residents of the issuing country. The card is only available to residents.
An Amazon account is required. Applicants must have an active account to apply and manage the card.
Prime membership is optional. Prime users receive extra benefits, but it is not mandatory.

Interest Rates and Fees

Understanding the interest rates and fees of the Amazon Mastercard Credit Card is essential before applying.

These costs affect your expenses, so knowing the rates and fees is essential.

Purchase APR: Typically ranges from 14.99% to 24.99% variable APR, based on creditworthiness.
Balance Transfer APR: Matches the purchase APR, but a balance transfer fee may apply.
Cash Advance APR: Usually higher, around 25.99% to 29.99% variable APR, with additional fees.
Penalty APR: This can go up to 29.99% if a payment is late or a transaction is returned.
Annual Fee: There is no annual fee for standard users; Prime members may receive extra benefits.
Late Payment Fee: Up to $40, depending on the outstanding balance.
Foreign Transaction Fee: Typically 0% to 3%, depending on the card version.
Minimum Interest Charge: At least $1.50 if interest is applied.

How to Apply for the Amazon Mastercard Online

The application process is simple and can be completed within minutes. Follow these steps to apply online.

Step 1: Go to the Amazon website or the issuing bank’s page.
Step 2: Sign in to your Amazon account.
Step 3: Locate the credit card section and select “Apply Now.”
Step 4: Fill out the application form with personal and financial details.
Step 5: Read and agree to the terms and conditions.
Step 6: Submit your application and wait for a response.

Approval Process & What to Expect

After applying, the approval process begins. Some applicants receive instant approval, while others may require additional verification.

If approved instantly, you receive immediate access to a temporary card.
If under review, expect a response via email within a few days.
Additional documents may be requested for verification purposes.
If denied, you’ll receive a reason and possible next steps.

Activating Your Amazon Mastercard

Once approved, activation is required before using the card. This ensures security and enables online purchases.

Call the activation hotline provided in the approval email.
Use the bank’s mobile app or website to activate the card.
Create a PIN for added security if required.
Confirm activation by making a small purchase.

Managing Your Amazon Mastercard

Proper Amazon Mastercard Credit Card management helps you maximize benefits and avoid fees.

Track transactions via the credit card issuer’s online portal.
Set up automatic payments to avoid missed due dates.
Monitor cashback rewards and offers available.
Pay your balance in full to avoid interest charges.

Security Features and Fraud Protection

Amazon Mastercard has built-in security features to protect against fraud and unauthorized transactions.

Zero Liability Protection covers unauthorized purchases.
Fraud monitoring detects suspicious activities.
Two-factor authentication secures online transactions.
Lost or stolen cards can be blocked instantly via the app or customer service.

Comparing Amazon Mastercard with Other Credit Cards

Before applying, it’s helpful to compare this card with other cards. This helps ensure you choose the best option for your needs.

It offers higher cashback on Amazon purchases compared to general rewards cards.
Most users have no annual fee, unlike many premium credit cards.
Prime members enjoy exclusive benefits not available on other cards.
It may not be ideal for non-Amazon shoppers due to category-specific rewards.

Benefits for Amazon Prime Members vs. Non-Prime Users

The Amazon Mastercard provides different benefits based on Prime membership status.

Prime members: Higher cashback rewards on Amazon purchases.
Non-Prime users: Standard cashback rates are still competitive.
Special financing offers may be available for Prime members.
Both versions offer fraud protection and zero liability coverage.

How to Increase Your Credit Limit

A higher credit limit can provide better financial flexibility and improve your credit score.

Use the Amazon Mastercard Credit Card responsibly.
Make timely payments and keep a low credit utilization ratio.
Request a credit limit increase through the bank’s portal.
The issuer may automatically increase your limit with consistent usage.
Avoid maxing out your card, as high usage lowers your approval chances.
Improve your credit score first since a better score increases approval odds.
Update your income details, as a higher income may qualify you for a limit increase.

Contact Information for Support

If you need assistance with your Amazon Mastercard Credit Card, several support options are available to address your concerns.

Below are the specific contact details:

Amazon Rewards Visa Signature Card (Issued by Chase):

Customer Service Phone Number: Call 1-888-247-4080 for inquiries related to your Amazon Rewards Visa Signature Card.
Mailing Address: For correspondence, write to Card Services, P.O. Box 15298, Wilmington, DE 19850.
Email Support: Secure email communication is available through your Chase online account.

Amazon Store Card (Issued by Synchrony Bank):

Customer Service Phone Number: For assistance, call 1-866-634-8379.
Mailing Address: Send mail to Synchrony Bank, P.O. Box 960013, Orlando, FL 32896-0013.
Email Support: Access secure messaging by logging into your Synchrony account.

General Amazon Customer Service:

Phone Number: For general inquiries, contact Amazon at 1-888-280-4331.
Mailing Address: Amazon.com, Inc., P.O. Box 81226, Seattle, WA 98108-1226.
Email Support: Visit the Amazon Customer Service page for email and chat options.

Frequently Asked Questions

Below are common questions regarding the application process.

What if my application is denied? – You can reapply after improving your credit score.
Can I apply with bad credit? – Approval depends on the issuer’s requirements.
How do I redeem cashback? – Cashback can be used for Amazon purchases or as a statement credit.
Does the card expire? – Like all credit cards, it has an expiration date but is renewable.
Can I add an authorized user? Some versions allow adding users, but benefits may vary.
Is there a credit limit for new applicants? The initial limit depends on creditworthiness and issuer policies.

Final Takeaways

The Amazon Mastercard Credit Card is an excellent choice for frequent Amazon shoppers. It offers cashback rewards and exclusive benefits.

Applying online is quick and easy, with a simple approval process.

Visit the Amazon Credit Card page today to apply and earn rewards on your purchases.

Disclaimer

The information provided about the Amazon Mastercard Credit Card is for general informational purposes only and may be subject to change by the issuer.

Please review the official terms and conditions on the Amazon or issuer’s website before applying.