The Amazon Store Card and the Amazon Secured Card (Credit Builder) offer several purchasing tools that make them inviting options for customers. You can choose equal monthly payments or special financing on qualifying purchases, which can be from the cart total or by item eligibility.
You receive offers with the longest duration during the checkout process. When the order ships, the total purchase amount gets charged to the card.
Then the required amount to pay monthly is included in the minimum payment amount to reflect the agreement.
The buying process is straightforward with the Amazon Store Card. When you need to make a payment on the account, it isn’t always as easy to find the steps to follow. This guide answers those questions for you.
How Do I Make an Amazon Store Card Payment?
One-time and recurring payments are possible on the Amazon Store Card or the Amazon Secured Card. Users must sign into their account through Synchrony Bank to initiate this transaction before the payment due date, found on the monthly billing statement or the online dashboard.
Amazon provides branded credit cards through several issuers. This account is through Synchrony Bank for those with an Amazon Store Card.
The fastest way to access your credit card’s online dashboard is to link it to your Amazon account. It is also accessible by visiting this link: http://www.syncbank.com/amazon.
If you want to make a one-time payment, here are the steps to follow to have a successful experience.
- Sign into the Synchrony Bank account by visiting the link or navigating to the online dashboard through your Amazon profile.
- Go to the Payments tab at the top of the page. Hover the cursor over it, then scroll down the menu to the View and Make Payments option to select it.
- You’ll need to choose to pay the Minimum, the Statement Balance, the Current Balance, or another amount.
- Choose the Payment Date you prefer for this one-time transaction.
- Pick the payment method you want to use for the Amazon Store Card. It can be an existing or a new one. That option is also available if you need to update an existing account.
- Review the information to verify it is correct and complete, then submit the payment.
You must have the entire account number to complete the registration with Synchrony Bank for the first time. After establishing a username and password for the account, you can complete the above steps.
What If I Want to Make a Recurring Amazon Store Card Payment?
If you don’t want to worry about missing the payment due date for your Amazon Store Card or Amazon Secured Card, you can schedule a recurring payment through your Synchrony Bank online dashboard.
The steps are similar to what is necessary to complete a one-time payment, but you’ll be asked to set up an autopay authorization as part of the process.
If you’re interested in managing your credit card payments with this option, here are the steps to follow to have a successful experience.
- Sign into the Synchrony Bank account by visiting the link or navigating to the online dashboard through your Amazon profile.
- Go to the Payments tab at the top of the page. Scroll to the Manage Autopay option to select it.
- You’ll need to choose to pay the Minimum, the Statement Balance, the Current Balance, or another amount.
- Select the payment account, then review the terms and conditions of the agreement. If you agree with the procedures outlined for the recurring payment, click on Set Up Autopay to complete the process.
Once you’ve confirmed that the Autopay option is what you want, you’ll receive a confirmation from Synchrony Bank establishing the payment schedule.
You can still cancel a recurring payment up until the scheduled payment date each month.
Are There Other Payment Options I Can Pick?
Although online one-time and recurring payments are the easiest ways to manage your Amazon Store Card, Synchrony Bank provides additional options for users that need to pay their obligations with alternative methods.
You can contact Synchrony Bank by phone to make a payment. Dial 1 (866) 634-8379 to reach the automated system. You’ll be asked a series of questions and prompts. Once you complete the process, the payment will post to the account.
If you prefer to speak with a customer service representative, you can request that option through the toll-free number above. This payment option is free and doesn’t require an Internet connection.
You can also make payments for your Amazon Store Card by sending a check or secured payment method (not cash) through the mail. Here is the address:
Synchrony Bank / Amazon Store Card
PO Box 960013
Orlando, FL 32896-0013
If you need verification that the payment was received before the due date, you’ll want to use a certified mail option that provides tracking or requires a signature.
Things to Know About Your Amazon Store Card
The Amazon Store Card provides several options and benefits to consider, including providing 5% off whenever you use it to buy items at Amazon. It’s a no-brainer for those who shop online frequently and pay off most or all of their monthly credit card debt.
If you have excellent credit (720 FICO or above), another option is the Amazon Prime Rewards Visa Signature Card. It provides the highest rewards for the most purchases. For those with a lower credit score or the need to build credit, the Amazon Store Card is a viable solution.
It doesn’t have an annual fee, but the most benefits are possible when you’ve invested in a Prime membership.
Here is what you need to know about this credit card so that you can make payments on time or manage your account wisely.
More Than One Version Exists
Did you know that more than one variation of the Amazon Store Card exists? If you’re a Prime member, you’ll receive an Amazon Prime Store Card. If you don’t have a membership, then the credit you get is the standard version that doesn’t offer a cash-back reward.
Don’t worry – if you decide to purchase a Prime membership after getting the Amazon Store Card, your account is automatically upgraded to the new version.
On the other side of the equation, letting the membership lapse guarantees that your credit card gets downgraded to the standard account.
A third version is called the Amazon Secured Card. It requires an upfront deposit that could be equal to the credit line it offers. That means a $500 limit requires up to that amount as a guarantee before you can use it for purchases.
A secured card works best for Amazon customers that need to repair or establish credit.
It Is a Closed Loop Account
The Amazon Store Card works on a closed-loop system. That means you can only use this account for purchases that involve Amazon-owned businesses or locations that accept Amazon Pay.
You cannot use the Amazon Store Card at Whole Foods. If you have excellent credit, the Amazon Prime Rewards Visa Signature Card is the one you want because it is accepted there – and provides 5% back on the purchase.
Cardholders with the Amazon Prime Rewards Visa Signature Card can also use this credit card for purchases outside the closed-loop system.
The Rewards Can Be Lucrative
If you have an Amazon Prime account, you receive 5% back on each purchase made with the Amazon Store Card. Some items are eligible for additional rewards, sometimes reaching 10% or 20% cash-back when buying the product.
Although 5% doesn’t seem like much, it can be a significant amount for those who regularly purchase items on Amazon or want a big-ticket product. If the transaction is $1,000, you’ll receive $50 off the purchase when using the Amazon Store Card.
Small introductory bonuses are often included for new account members, such as a gift card you can use for your first purchase.
The rewards you earn from the cash-back with this credit card can be used to pay down your balance or receive discounts on a future Amazon purchase.
Financing Options Are Available
The Amazon Store Card offers a 0% financing option for larger purchases, whether you’re buying a big-ticket item or have a shopping cart filled with stuff. Instead of receiving 5% back, you can break up the amount into a monthly payment plan that lasts from six to 24 months. You can also pick special financing.
As long as each payment is on time and in full, you can split a large purchase across multiple billing cycles without paying any interest. With special financing, you can pay off the entire balance before the promotional period without paying interest.
If you’re unsure that you pay the balance, it might be better to take the 5% cash-back option. The offer comes with deferred interest, which means it accrues in the background.
When you miss the deadline to pay it off, all of that comes to be due on the account. With APRs at 25.99% or higher for some consumers, that amount can be significant.
How to Use the Amazon Store Card for Purchases
The best way to use the Amazon Store Card to buy items online is to set it up as your default payment option on your account profile.
Here are the steps to take to do so.
- Go to Amazon.com.
- Click on the Accounts and Lists at the upper part of the screen. Choose “Account” from the dropdown menu.
- A series of different “cards” appear for you to consider. You need the one that says, “Your Payments.” Click on it.
- The next page takes you to your wallet. You’ll see a list of cards on the left, and the one that is picked as the default payment method. Choose the Amazon Store Card and make it the default by clicking on the appropriate links.
- Once the Amazon Store Card is your default, you can see your current rewards balance, your rewards status, and your enrolled rewards accounts.
Capital One, Discover, and other providers allow you to spend rewards on Amazon purchases like the Amazon Store Card.
Although you can enroll multiple accounts, you can only apply the rewards from one credit card to a single transaction.
If your Amazon Store Card isn’t in your wallet, you can add it by clicking on “Add a Payment Method” at the bottom of the screen.
Once the credit card is set as your default, you can pick items on Amazon to add to your cart. When you’re ready to check out, you’ll go to the purchasing screen. Pick the address where you want to send the items, then choose your payment method.
You’ll see the Amazon Store Card there, along with any rewards you’ve earned. If you have rewards, you can choose to apply them to the order.
Cardholders receive new rewards at the start of each billing cycle.
Is the Amazon Store Card Worth Using?
The Amazon Store Card offers a 5% cash-back reward on all Amazon-related purchases to Prime members. It is an excellent choice for those with moderate credit scores and a preference for shopping online.
I’ve had the Amazon Store Card for some time, although my credit score has risen enough recently that I was invited to apply for the Amazon Prime Rewards Visa Signature Card instead. That account is through Chase, whereas the other is from Synchrony Bank.
If you manage your budget wisely, this resource is a tremendous money saver. The 5% cash-back option is equal to Discover, but without the rotating categories. Everything on the site qualifies, and some products give you even better rewards.
The key to a successful credit card experience is to spend within your means. When you can do that consistently, the 5% rewards make it cheaper to get what you need.
When a big-ticket item is needed, the 0% financing is fantastic. That feature allowed us to upgrade our kitchen, pay no interest, and break up the cost into manageable monthly payments.
Use this guide to schedule payments or turn on Autopay so that you can manage your account quickly and efficiently.
