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Amazon card login synchrony bank

amazon card login synchrony bank

2019-06-02 · How To Pay Amazon Credit Card Synchrony Bank. In the event that you never own a banking accounts, obtaining a co signer is. Although the Amazon Store Card (issued by Synchrony Bank) has a couple of special 0% interest financing options whether you are a Prime member. The detailed information for Synchrony Bank Amazon Store Card Payment Login is provided. Help users access the login page while offering.

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Synchrony Bank

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Financing Solutions and Store Credit Cards

Amazon Store Card Review

The Amazon Store Card is geared toward super shoppers who already have or don’t mind paying for a Prime membership ($119 per year, if you pay annually), and who spend enough at the internet retailer to make the card worthwhile. If you spend $2,400 a year and earn rewards on that spend, that covers your Prime membership—so anything above that means extra savings for you. 

The caveat here is that you don’t ever want to find yourself in a situation where you’re paying the high APR (so avoid revolving balances), and you should use the financing options sparingly since when you do, you won’t earn the 5% on those purchases.

  • Rewards for Prime members

  • Special financing options

  • High APR

  • Rewards can only be redeemed as Amazon credit

  • Puny sign-up bonus

  • Deferred interest

Pros Explained

  • Rewards for Prime members: If you have an eligible Amazon Prime Membership when you apply for the card, you’ll get an automatic upgrade to The Amazon Prime Store Card, subject to credit approval. This allows you to earn 5% back on all of your purchases—the true benefit of this card.
  • Special financing options: If you are not a Prime Member, or if you decide you want to forgo rewards in exchange for extra time to pay off a purchase at 0% APR, you can select one of two options that will be displayed during checkout. The first one allows you to pay no interest if the purchase is paid in full within six, 12 or 24 months (the promotional period offered depends on purchase price). Or, you can split your purchase into equal monthly payments.


If you’re late paying your bill or don’t pay the full amount owed when using the special financing options, you will be charged the full APR on the original purchase amount. Ouch!  

Cons Explained

  • High APR: Most store cards have higher APRs than what you’d find on regular credit cards, and this one is no exception.
  • Rewards can only be redeemed for Amazon credit: The 5% reward is great if you’re someone who is on a first-name basis with the Amazon delivery guy. But with no other redemption options, it’s of little use to once-in-a-while shoppers.
  • Puny sign-up bonus: A $10 instant account credit might seem appealing when you’re about to check out, but that alone shouldn’t influence you to apply for the card if it isn’t otherwise a good fit for you. 
  • Deferred interest: If you’re using a promotional financing offer and don’t pay off the purchase by the time it ends, you’ll be charged interest on your remaining balance back to the date of purchase. This is a common (and costly) interest structure on retail cards.

Amazon Store Card Sign-Up Bonus 

You’ll get your Amazon Store Credit Card bonus instantly upon approval, unlike other rewards credit cards that offer sign-up bonuses based on if you can meet a minimum spend. For the Amazon Store Credit Card, it’s a $10 credit. If you’re a Prime member already, you may receive a higher instant account credit offer. 

Earning Points & Rewards

Amazon rewards earnings are unlimited, but you must be a Prime member. Amazon says it may offer occasional bonus rewards points on certain purchases. In such cases, the offer will be noted on the product page or during checkout.


You can head to your account settings to set your default option to the 5% back offer, so that you don’t accidentally choose the special financing or equal monthly payments options and lose rewards.

Redeeming Rewards

Any rewards you earn will be credited to your account. You can opt for a one-time statement credit or automatically redeem your available rewards points balance as a statement credit at the end of each subsequent billing cycle. It may take up to two billing cycles for your earned rewards points to be credited. Be aware that if you return a purchase made with rewards points, it may take up to five days for the points to be credited back to your account. 

How To Get The Most Out Of This Card

It’s simple: Be a Prime member and spend a lot at The more you spend, the more value this card will have for you. The other side of that coin is to make sure you pay your bill in full each month so you’re not hit with high finance charges. And whenever possible, choose the 5% reward over the financing options, which can be costly if you miss a payment.


If you have good to excellent credit, you may qualify for the Amazon Prime Rewards Visa Signature. It has the same high rewards rate but also earns rewards anywhere that accepts Visa. There’s no special financing, but you also have more rewards flexibility with the Visa version.

Customer Experience

Cardholders have access to 24/7 customer service support by phone with Synchrony Bank. However, the bank ranks seventh out of 11 in JD Power’s 2020 Credit Card Satisfaction Study.

Security Features

The Amazon Store Card features standard security features, the most important one being zero fraud liability. That means if your card is stolen or fraudulent charges appear, you’re off the hook.


Amazon Store Card doesn’t have an annual fee, and late fees are in line with most credit cards. Most of the other fees you might be familiar with on other products (foreign transaction, balance transfer, and cash advance fees) don’t apply because it’s a store card.


By Cale Guthrie Weissman1 minute Read

Have bad credit? Does Amazon have a solution for you (as long as you have the collateral).

The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores. In partnership with Synchrony Bank, the “Amazon Prime Store Card Credit Builder” lets people put down a refundable security deposit (yes, like an apartment), which will be used to set the card’s total credit limit. Synchrony will then collect that deposit from you and give you a line of credit.

From there, people can spend money on using their new credit from money they footed. Depending on how much money they spend on the card, users get 6, 12, or 24 months of no interest. (If people spend less than $149 with the card, they are not eligible for this promotional financing.)

The card’s APR is 28.24%.

According to WalletHub, the average interest rate for people with fair credit is 22.99%, and the average store credit card interest rate is 25.76%.

This Credit Builder card has the perks of its sibling cards, including no fee and 5% cash back. The idea behind this program is to attract a new swath of customers–that is, people with poor credit–to buy items on Amazon and repay in time, which will increase their credit scores and thus give them the opportunity to get another credit card, one that doesn’t require them to prepay the credit line in full.

This is all part of Amazon’s plan to bring anyone and everyone into its credit program. It’s essentially a subprime credit card option that mitigates the risk for Amazon and Synchrony because they aren’t actually footing the initial money; they only stand to rake in fees and interest once the promotional period is over. Which is to say, it’s another way for corporations to make money off poor people while creating a pathway for them to spend more money.


Synchrony Bank says an email about Amazon Credit Builder accounts was sent to some customers in error as a result of a “glitch.” The emails, which told the customers that a trial deposit had been made into their Amazon Credit Builder accounts, sparked concerns about fraud. Synchrony Bank and Amazon have assured customers that while the email was not supposed to be sent, it did come from the bank and was not a phishing attempt or a hack or a scam, as some believed.

“We are aware of an unplanned customer notification that is affecting some consumers & are investigating the issue. We apologize for any confusion & concerns this may have caused. You do not need to take any further action at this time,” Synchrony said in a Twitter message to customers.

synchrony bank amazon credit builder

An email from Synchrony Bank about Amazon Credit Builder was sent in error.

Amazon directed customers to contact the bank for more information and said, “Thank you for bringing this to our attention! We’ve been informed the e-mail you’ve received has been sent in error from our business partner, Synchrony Bank. Please disregard the e-mail.”

Other users said on Reddit that they received multiple emails from Synchrony Bank, with the first email being about a trial deposit, followed by a second email about the same thing and a third email titled “action is required on my application.”

The First Email Did Not Ask Recipients to Take Any Action

The email sent by Synchrony Bank had the subject, “A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER.”

It was received Monday morning, November 25, by users around the United States, according to social media posts.

The email body reads, “Note: This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER account. Synchrony Bank is located at 170 Election Road, Suite 125, Draper Utah, 84020, USA.”

It continued, “This is an unmonitored email box. Please do not reply to this email.”

The email also included a message warning about fraud and identity theft. It read, “Head off identity theft before it happens. FOr more information about identity theft, please visit the Federal Trade Commission’s (FTC) consumer website.” The email also included a link to the FTC website, which appears to be legitimate.

The Email Was Sent by a Legitimate Synchrony Bank Email Account

The email was sent from a legitimate Synchrony Bank account, [email protected], but it is not clear which customers received the concerning message. It did not appear to be an effort by a bad actor to phish those receiving the email. There were no apparent dangerous links in the email.

Many social media users said they do not have an Amazon Credit Builder account or are not aware of having an account with Synchrony Bank. But others have pointed out that Synchrony Bank issues cards for stores and other businesses, such as Sam’s Club, so customers may not be aware they have a credit card operated by the bank.

Security experts still recommend ignoring the email and not clicking any links inside of it as a precaution.

Synchrony Bank Said ‘the Email Did Not Include Any Customer Data or Personal Information’

In a statement posted to its website, Synchrony Bank said, “Synchrony distributed a notification via email or text message in error to some consumers. The email did not include any customer data or personal information. We are currently investigating the root cause. We apologize for any confusion; you do not need to take any action at this time.”

Amazon said in a statement, “Amazon is aware of a notification that was distributed by Synchrony in error to some customers. They are investigating the root cause. Additional inquiries can be sent to Synchrony.”

Synchrony Bank and Amazon teamed up in June 2019 to launch the Amazon Credit Builder cards, according to Nerd Wallet.

According to the Amazon website:

A secured credit card is designed for people who are looking to build or rebuild their credit and is backed by a refundable security deposit made when the account is opened. The deposit is equal to the credit limit. The Store Card Credit Builder and Amazon Prime Store Card Credit Builder are secured versions of the Store Card and Amazon Prime Store Card respectively. The Amazon Credit Builder functions and looks like the Amazon Store Card, with the exception that the credit line on the Amazon Credit Builder card will equal the amount of the refundable security deposit that you must maintain with Synchrony Bank. Continued and responsible use of the secured Amazon Credit Builder can help you build your credit history.

As an Amazon Credit Builder cardholder, you will enjoy the same benefits as you would on the Amazon Store Card (promotional financing for cardholders without an eligible Prime membership, and promotional financing or 5% back every day for cardholders with an eligible Prime membership). Learn more about upgrading to the unsecured Amazon Store Card.

“Credit Builder enables those on a controlled budget to shop on while building credit with responsible use,” Tom Quindlen, executive vice president and CEO of retail cards at Synchrony Financial, told Nerd Wallet.

Amazon adds, “Synchrony Bank will report to the major credit bureaus whether you make at least the minimum payment due on time every month. Building a history of on-time payments can help build your credit. … Unlike a debit card or a prepaid card, a secured credit card is an actual credit card. You need to make monthly payments on your balance (ideally the full balance, but at least the minimum payment due each month) by the payment due date. Synchrony Bank reports your credit activity to the major credit bureaus-providing the opportunity to build your credit, with responsible use.”

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Manage Your Amazon Credit Card Account
amazon card login synchrony bank
amazon card login synchrony bank

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