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Amazon Prime Store Card vs. Amazon Prime Visa card: At a glance · Access to Amazon promotional financing offers · Extended warranty · Purchase. ✓ Synchrony Bank will provide you with a replacement card and card number to access the Store Card features. Your new card will be automatically added to your. More green in your daily routine: With the Amazon Prime Rewards Visa Card and an eligible Prime membership, you can enjoy perks, like earning 5% back every.

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A $200 Amazon gift card and 10% back on purchases: The Amazon Prime Rewards Visa Signature Card is great for holiday shoppers

Editor’s note: This post has been updated with the latest credit cards information and benefits. 


Amazon Prime Rewards Visa Signature Card overview

The Amazon Prime Rewards Visa Signature is a solid earner, featuring a 5% return on all Amazon and Whole Foods purchases; 2% on restaurant, gas station and drugstore purchases; and 1% back on everything else, making it a strong contender for those who spend big with Amazon companies. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The holidays are right around the corner — which means that Black Friday and Cyber Monday are also rapidly approaching. To kick off this holiday shopping season, Amazon and Chase are offering exclusive promotions on their cobranded credit cards, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, and both are offering some of their richest sign-up bonuses yet.

What’s the difference between the two? While neither card charges an annual fee, you can only apply for the former if you are a current Amazon Prime member while the latter is open to the general public. So, you can think of your Prime membership fee of $119 per year as your credit card annual fee if you have the Amazon Prime Rewards Visa.

Starting today, Nov. 17, until the end of the month, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card will receive a $200 Amazon gift card immediately upon approval. If you’re not a Prime member and decide to opt for the Amazon Rewards Visa Card instead, you’ll instantly receive a $100 Amazon gift card if you’re approved.

Additionally, Prime cardholders will earn a whopping 10% back in rewards on select products from eligible Amazon gift guides.

In this post, we’ll review the Amazon Prime Rewards Visa Signature Card and see if it’s worth applying for, especially if you’re looking to save big on your online shopping this holiday season.

The information for the Amazon Prime Rewards and the Amazon Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

In This Post

Who is this card for?

The Amazon Prime Rewards Visa Signature is meant for those who participate significantly in Amazon’s ecosphere. Available exclusively for Amazon Prime members, it rewards those loyalists with best-in-class earnings of 5% back on purchases on the Amazon website and at the Whole Foods grocery store chain. As a no-annual-fee card, it’s an obvious contender for a spot in your wallet if you’re a Prime member anyway, and deserves respect from even the most hard-core points-and-miles enthusiasts. After all, who doesn’t shop at Amazon at this point?

However, the card lacks the ability to transfer rewards to travel partners (and thus gain extra potential value for your points), which means that outside those 5% bonus categories, you’re probably better off with another card. It also is subject to Chase’s 5/24 rule, which means if you’ve opened a lot of other cards in the past two years, you might not be approved for it until you fall back below that limit.

The card offers a solid return on purchases made within Amazon’s wheelhouse, but it is best suited for those who prefer simplicity in their credit card rewards and aren’t interested in maximizing every dollar they spend.

Sign-up bonus: $200 Amazon gift card

At the moment, the Amazon Prime Rewards Visa Signature is offering one of its best-ever bonuses — a $200 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s up from the previous $70-$150 in Amazon gift cards we’ve seen historically.

For its part, the Amazon Rewards Visa Card is offering a $100 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s not nearly as attractive and you will probably be better off joining Prime and getting the higher-end card.

Main benefits and perks

The Mirage - Seacrest, Florida

The Amazon Prime card features several solid consumer-focused benefits.

Among them, its purchase protection ranges up to $500 per claim and $50,000 per account, while its extended warranty protection provides an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less.

The card also has a host of benefits for travelers, including no foreign transaction fees, travel and emergency service, lost luggage reimbursement (up to $3,000 per passenger for you and your immediate family), baggage delay insurance (up to $100 per day for three days if delayed by six or more hours), travel accident insurance and roadside dispatch (for a fee).

It also includes auto rental collision damage coverage — although unlike credit cards such as the Chase Sapphire Preferred Card, which offer primary rental car coverage, this card only offers secondary car insurance, which kicks in after filing with your personal insurance company.

These benefits come as a result of its Visa Signature status, which also provides access to the Visa Luxury Hotel Collection. This allows members to book more than 900 hotels around the world with perks that imitate elite status, such as room upgrades and late checkout. You’ll also be able to use the Visa Signature Concierge Service, which can help you with a variety of requests.

How to earn points

The main perk of this card is its spending structure. It offers a 5% return on Amazon and Whole Foods purchases. However, it only earns 2% back at restaurants, gas stations and drugstores, which is similar to other no-annual-fee credit cards.

Purchases made anywhere else earn a flat 1% back. This adds up to a fairly generous return on spending, but those who don’t already have Amazon Prime will need to consider whether the $119 annual cost for the subscription is worth it, especially if they don’t shop with Amazon often.

The reason it might make sense right now is that Prime cardholders can earn a phenomenal 10% back on select products from eligible gift guides, which can be found here, now through Dec. 20, 2021.

Among the gift guide categories offering this return are toys; computers, tablets and gaming accessories; home goods; kitchen wares; office products; and more.

Depending on what you plan to purchase this holiday season and how much you expect to spend, you could walk away with real savings by taking advantage of these offers.

How to redeem points

When you’re ready to redeem the points you’ve earned with the Amazon Prime Visa, there are a number of different tracks you can take. No matter what you do, you’ll receive a flat value of 1 cent per point for your redemptions. The easiest method is simply redeeming your rewards for Amazon purchases. There is no minimum amount of points required, and you can use them for all or part of your purchase.

If you’d prefer cash back, you can deposit your rewards straight to your Chase account. You can also redeem for gift cards with a minimum of 2,500 points.

Perhaps the most intriguing and least-talked-about option is the ability to redeem your points for travel through Chase, although you’ll have to call in to use your points. Here you get a value of 1 cent per point, so it’s not as much as if you had the Chase Sapphire Reserve, which lets you redeem points at 1.5 cents each through the Chase Ultimate Rewards portal.

But you’re not missing out on value with this card in particular by redeeming points for travel versus Amazon purchases. And airfare purchased through a third-party site will still accrue bonus miles and elite credit, in addition to granting elite status perks you’ve earned on the airline. The same can’t be said for hotels, which will often disqualify bookings made via online travel agencies from any kind of earning.

The Chase travel portal also offers tours and activities, which means that you can finance an entire vacation with points earned from your Amazon Prime Visa. At a 5% earning rate, these points will stack up quickly.

Alternative cards

You won’t find a better return on your spending at Amazon and Whole Foods with other credit cards, though there are some products that come close.

The Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per calendar year, then 1%). It’s a fairly lucrative card overall, also offering 6% on select streaming services in the U.S. and 3% on transit and gas stations. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. The card comes with a $0 introductory annual fee for the first year, then $95 (see rates and fees).

The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay Preferred Credit Card earns 3 Membership Rewards points on U.S. supermarket purchases (on up to $6,000 a year). It also accrues 2 Membership Rewards points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Plus, when you use the card to make 30 transactions or more per billing period, you get a 50% points bonus, which can really improve your earning potential.

What’s more, this card earns Membership Rewards points that you can transfer to the program’s various airline and hotel partners, making it a strong choice for folks who want to rack up rewards for travel, specifically, rather than just cash back.

The annual fee is $95.

The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom Unlimited

If you’re not a Prime subscriber and still want a solid return on your spending, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 1.5% cash back on non-bonus purchases (but 5% on travel booked through Ultimate Rewards, and 3% on dining and drugstores).

You could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to redeem your cash back as full-fledged, transferable Ultimate Rewards points, worth 2 cents apiece, based on TPG’s monthly points valuations.

The card has no annual fee.

Bottom line

If you’re a big Amazon shopper who already subscribes to Prime, the Amazon Prime Rewards Visa Signature could be a good option for you — especially with a $200 gift card on the line. With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, this card is geared to those who prefer to stay away from the intricacies of points and miles, opting instead for the ease of using a no-annual-fee credit card that earns cash back.

Additional reporting by Stella Shon. 

Featured photo by The Points Guy. 

For rates and fees of the Blue Cash Preferred card, click here.

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Carissa Rawson is a Points and Miles Reporter at TPG, helping readers get to where they need to go, faster (and cheaper). You can find her in your nearest Priority Pass lounge, sipping free coffee and obsessively researching travel.
Источник: https://thepointsguy.com/guide/the-best-card-for-amazon-shoppers-amazon-prime-rewards-visa-signature-card/

Is Using a Credit Card on Amazon Safe?

By Aaron Charles

Amazon doesn't make business checking accounts a payment option; only personal accounts.

Amazon handles a truckload of transactions each year. In the company's 2012 fiscal year, for example, the company totaled more than $61 billion worth of sales. In the mix of all of these transactions, there's always the danger of credit card fraud. The Federal Trade Commission, though, notes that although credit card fraud could happen because of high-tech hacking, generally the problem lies in a lack if vigilance on the card-holder's part. For both customers and businesses using Amazon to sell their wares, there are reasons to feel safe using a credit card.

Featured

Paying with credit and debit cards is the payment method featured most prominently by Amazon. One reason for that is because Amazon uses Secure Sockets Layer (SSL) software to encrypt your credit card number, making your number impossible to read without two "keys" to decode the encryption -- which anyone intent on stealing your info won't have. Other methods of payment include paying directly from your checking account or signing up for Amazon Payments, which is connected to your bank account.

Protection

Even with all the safeguards Amazon employs to keep your credit card information safe, there's no such thing as fail-safe security. However, if your information is stolen somehow, any successful cybercriminals will only have temporarily stolen your credit, not your cash, while your financial institution investigates the fraud. Plus, even if fraud did occur after using your credit card, the FTC notes, if you report the fraud you'll only be liable for up to $50.

Prevention

The FTC gives tips (link in References) about how you can protect yourself and your business from credit card fraud online. One of those tips is to submit your credit card information only to reputable companies when making purchases -- and Amazon, given its position as a leading online retailer, qualifies as a reputable company. Also, if you print out all of your Amazon purchase receipts, you'll have an accessible record of credit card purchases so you can quickly spot fraud if it does occur. Beyond that, Amazon advises that you never send your credit card information in an email as a form of payment.

Alternative

While purchasing directly from Amazon with your credit card is mostly safe, buying from third-party vendors on Amazon is a bit different, since you're dealing individual sellers and not Amazon itself. In such cases, the Amazon Payments service gives you the option of adding money to an Amazon Payments account, to which you can add money from your bank account. When you're finalizing your purchase from a third-party, you can opt to use your Amazon Payments balance to make the purchase, instead of a credit card. This is a safer way to pay, as you don't have to share your banking information with the third-party seller.

References

Writer Bio

Aaron Charles began writing about "pragmatic art" in 2006 for an online arts journal based in Minneapolis, Minn. After working for telecom giant Comcast and traveling to Oregon, he's written business and technology articles for both online and print publications, including Salon.com and "The Portland Upside."

Источник: https://smallbusiness.chron.com/using-credit-card-amazon-safe-66518.html

Blink Subscription Plans provide extra features and benefits for Blink devices.

Add a Basic Plan which covers one eligible device (Blink Video Doorbell, Mini, Indoor, or Outdoor) camera, or the Plus Plan which provides the following benefits for an unlimited number of eligible* Blink devices on an account:

  • Cameras: Capture videos and images and store them in the cloud for up to 60 days so you can review, share, and save them at your leisure. 
    Photo Capture for Blink Video Doorbell, Indoor and Outdoor cameras automatically converts hourly images into a short clip that you can view in the Blink app.
  • Sync Module 2: Enjoy advanced features such as Local Storage.
  • All Blink Devices: Enjoy extended warranties for subscribed devices, plus get 10% off future purchases of Blink products.


*The original Sync Module, XT2, XT and Indoor (gen 1) cameras share 2 hours of basic cloud storage. Each clip is deleted when it reaches 60 days old (30 days in EU, UK).

The XT, XT2 and Indoor devices can only be added to a Plus Plan subscription and receive 10% discount on Blink products, and the extended warranty.

Blinksubscription plans are only sold and managed on Amazon.com. Amazon Store Cards and Amazon Secured Cards can not be used to purchase Blink subscriptions.

The following steps explain how to purchase and activate your subscription plan.

  1. Link your Amazon and Blink accounts. Click here for directions.
    Note: It is important that your subscription plan is chosen, attached and purchased using the same Amazon.com account that is linked to your Blink account.

  2. Purchase a subscription plan.Customers will have the option for a Basic or Plus plan. Both tiers have a Monthly and Yearly option.


  3. Choose the Device you’d like to attach to your subscription (only applies to Basic Plans since Plus Plans cover all eligible devices on a Blink account), and then select the Continue checkoutbutton. Since Basic plans only cover single cameras, you may have multiple Basic plans within the same account, each covering a specific camera.

    Basic Plan Example


    Plus Plan Example


  4. Next place an order for the Subscription.


  5. Your devices are now covered with a Blink subscription plan!


    After these steps your Blink subscription is activated and if you are within your free trial period, you will be charged when it ends. A bill item "
    BLINK AMZN.COM/BILL WA" will appear on your card statement. You can manage your subscription anytime through your Amazon account under Memberships & Subscriptions.

    Watch the video >

    Click here to learn about Linking a Blink Subscription Plan after Purchasing It.


Compare Blink Subscription Plans


Without plan

Blink Basic Plan

Blink Plus Plan

Price

$3/month per device or save and subscribe for $30/year

$10/month for unlimited devices or save and subscribe for $100/year

Number of devices supported

N/A

1

Unlimited number of devices per account

Motion-activated notifications

Yes

Yes

Yes

Live view streaming

Yes

Yes

Yes

Motion detection video recording

Yes

Yes

Live view recording

Yes

Yes

60-day unlimited video history

Yes

Yes

Rapid video access (instantly watch your videos as soon as they’re recorded)

Yes

Yes

Video sharing

Yes

Yes

Photo capture (images captured periodically for more coverage)*

Yes

Yes

10% off Blink devices on Amazon.com

Yes

Extended warranty coverage

Yes

*Feature applicable to new Blink Video Doorbell, Indoor and Outdoor cameras.

Give feedback about this article

Источник: https://support.blinkforhome.com/subscriptions/purchasing-a-blink-subscription-plan-through-amazon

How the Amazon Prime Rewards Signature Visa Card Works: Benefits and Rewards

How the Amazon Prime Rewards Signature Visa Card Works

Amazon.com is the virtual store that has everything—and at low prices. Order it today; have it as soon as tomorrow. Not only does it offer a wide variety of goods, but the company also offers a co-branded visa card, especially for its Prime members.

The Prime Rewards Signature Visa is similar to its alternative co-branded card, named the Amazon Rewards Signature Visa credit card. Both credit cards can be used anywhere Visa is accepted and are backed by Chase Bank USA, N.A., a subsidiary of JPMorgan Chase & Co., which handles all revolving credit services and issues.

The card can be used anywhere that accepts Visa. The card offers 5% cashback on all items purchased on Amazon.com and Whole Foods markets. Newcomers get a $100 Amazon.com Gift Card instantly upon credit card approval. Cardholders may select a card design featuring either Amazon or Whole Foods, as well.

Key Takeaways

  • The Amazon Prime Rewards Signature Visa Card is a co-branded credit card offering rewards like 5% cash back on purchases made on Amazon.com and in Whole Foods markets. 
  • Besides good credit, you must have a Prime membership to be eligible for a Prime Rewards Signature Visa. 
  • The Amazon Rewards Visa Signature Card is nearly identical to the card designed for Prime members. However, cardholders only receive a 3% rebate on purchases. 
  • You must have a good credit score—at least 670—to be considered for either of the co-branded Amazon Signature Visa cards.
  • Amazon also offers two store cards, but these cards are not credit cards. The cards are used for purchases on Amazon.com but eligible for use in Whole Foods markets.

Rewards and Benefits

If you do a lot of shopping on Amazon and at Whole Foods, this card offers several perks. You earn a 5% rebate (or 3%, for non-Prime members, who are eligible for the Visa Rewards card) for all Amazon.com and Whole Foods Market purchases; 2% at gas stations, restaurants, and drugstores; and 1% on all other purchases. Your rewards come in the form of points. You'll get one point for each penny you earn in rebates.

When you open an Amazon Signature Visa credit card, you will receive 5% back everywhere you shop on up to $2,500 in purchases for the first three months of owning the card if you have a Prime account. If you tend to buy your groceries at Whole Foods and frequently shop online at Amazon as a Prime member, this card could provide substantial rewards and rebates.

Example of Points

Let’s say you bought an item on Amazon for $20. You would earn a 3% rebate (60 cents), which would become 60 points. Every 100 points are worth $1. Your points are available as soon as they are processed as a discount at checkout.

When you are approved for the card, Amazon will give you a $100 gift card. There is no annual fee, no foreign transaction fees, no earning cap, and your points never expire.

Where Can Someone Get the Amazon Prime Rewards Signature Visa Card?

Interested customers can apply for the card online at Amazon.com. However, the vetting process will go through Chase Bank, which authorizes and administers the financial logistics and the approval process. 

According to Amazon.com, "if your application is instantly approved, you'll be taken to a page that includes the Cardmember Agreement, the terms of your Amazon Rewards Visa Signature account, and other important information."

Conversely, if your application isn't approved instantly, Chase Bank will inform you about your status after reviewing your credit history. This takes approximately two to four weeks. Amazon recommends waiting two weeks after submitting your application before contacting Chase Bank.

What Kind of Credit is Required for the Amazon Prime Rewards Signature Visa Card?

Unlike the Amazon store card, which only requires fair credit, the Amazon Rewards Signature Visa cards (Prime member or non-member) both require a higher credit score because they are Visa credit cards.

Amazon.com offers both a store credit card that can only be used on Amazon.com orders and several co-branded Visa card options such as the Amazon Rewards Visa Signature Card that can be used anywhere Visa is accepted.

Where Can the Amazon Prime Rewards Signature Visa Card Be Used?

You can expect to use your Amazon credit card anywhere that takes Visa, most likely anywhere in the U.S., and over 150 countries worldwide. Unlike store cards tied to use at a specific retailer, a visa card connected to Amazon.com is a regular credit card in many ways.

You will earn rewards if you use it to shop on Amazon.com or Whole Foods, but you can also benefit from rewards when used at participating gas stations, pharmacies, and other retailers.

Alternatives to the Amazon Prime Rewards Signature Visa Card

Amazon offers two store-only cards, similar to its credit cards, as the Amazon Prime store card offers its Prime member holders more perks. Synchrony Bank issues the Amazon.com Store Card and the Amazon Prime Store Card, and the cards are useful if you are a frequent shopper on Amazon.com.

Amazon.com and Amazon Prime Store Cards

If you don't want or don't qualify for either of the Amazon Rewards Signature Visa cards, the Amazon.com or Prime store cards may be a viable option for saving money on your Amazon purchases. Amazon store cards are not accepted at Whole Foods markets, unlike the Amazon Prime Rewards Signature Visa and the Amazon Rewards Signature Visa.

When you are approved for an Amazon.com store card, you receive a $60 gift card from Amazon.com, a bit less than the $100 gift card you receive for opening an Amazon Prime Visa card. The Amazon store card's reward program is not as robust as its Visa Rewards Signature Visa card, but it does offer introductory financing opportunities for new cardholders.

Amazon Rewards Signature Visa Credit Card

The Amazon Rewards Signature Visa card is another alternative if you don't have a Prime membership but want the convenience and the benefits of an Amazon Visa credit card. The Amazon Rewards Signature Visa is nearly identical in its perks and terms and conditions as the Prime Rewards Visa Signature Card, with one exception, if you are not a Prime member, you will only reap a 3% reward when you shop on Amazon.com and at Whole Foods.

Terms and Conditions of the Amazon Prime Rewards Signature Visa Card

The annual percentage rate on your card will depend on your credit history. There’s no introductory APR. Expect a rate between 14.24% and 22.24%, but it will vary based on the prime rate. Balance transfers have the same APR as purchases instead of the higher one many cards impose.

Cash advances on the Amazon Prime Rewards Signature Visa have an interest rate of 24.99%. You have 21 days after the end of the billing cycle to pay the balance in full to avoid any interest charges. The late payment fee is up to $39, depending on your card's balance. Customers will pay $5 or 5% of the balance transfer amount, whichever is greater. Cash advances cost $10 or 5%, whichever is greater.

The card does not have an annual fee attached, but if you want the Amazon Prime Rewards Signature Visa, you will have to pay to be an Amazon Prime member, which costs $119 per year. You must be age 18 or older to apply for the card, and credit limits are based on the applicant's credit.

Amazon Prime Rewards Signature Visa
APRLate FeeReturn Check FeeGrace Period
Amazon Prime Rewards Signature Visa14.24% and 22.24%$39None21 days after the end of the billing cycle

Who Should Consider the Amazon Prime Rewards Signature Visa Card?

If you frequently shop in Whole Food markets and on Amazon.com as a Prime member, this card might make sense given the rebates and rewards. A co-branded card like this provides not only access to rewards but a line of credit, and you have the flexibility of being able to use the card anywhere that takes Visa. If you don't want to take out a credit card, but you have brand loyalty to Amazon and shop frequently on its website, you might consider an Amazon.com or Amazon Prime Store card.

The Bottom Line

Although the card is only available to Prime members, the rewards structure of either Amazon Visa card might make it useful even for people who only shop at Amazon infrequently. The APR is still higher than most non-retail cards, but this card's terms are attractive in the retail space.

Rewards are most valuable to people who don’t carry a balance, as you can quickly pay more in interest charges than the benefits are worth if you don't pay it off. Second, it may be wise not to make purchases solely to earn rewards. Saving your money and investing it will always win out over spending.

If you are interested in owning a Visa card and an avid Amazon.com and Whole Foods shopper, you may want to investigate opening this card.

Frequently Asked Questions

What Kind of Credit Score Do I Need to Open an Amazon Prime Rewards Signature Visa Card?

Amazon.com doesn't state explicitly about the score. Still, numerous reviewers of the product report that the recommended credit score to be eligible for an Amazon Prime Signature Visa card needs to be at least 670.

Where Can I Use My Amazon Prime Rewards Signature Visa Credit Card?

You'll earn 5% back on all Amazon.com and Whole Foods markets purchases, but you can use the card anywhere Visa is accepted.

Does Amazon Prime Rewards Signature Visa Card Help You Build Credit?

Yes. Like any Visa credit card, if you manage your credit wisely, it can help you improve your credit over time.

Does the Amazon Prime Rewards Signature Visa Have an Annual Fee?

No, the card does not have an annual fee. However, you will be required to purchase an Amazon Prime membership ($119 a year) if you want to open an Amazon Prime Rewards Signature Visa credit card account.

What's the Difference Between the Amazon Prime Rewards Signature Visa Card and the Amazon Rewards Signature Visa Card?

Both cards are co-branded by Chase and offer the same terms and conditions but slightly different rewards. Prime members get a 5% back on all items purchased on Amazon.com, and at Whole Foods, non-prime cardholders receive a 3% rebate. Both cards come without an annual fee, but a Prime membership costs $119 a year.

Источник: https://www.investopedia.com/articles/personal-finance/012815/how-amazoncom-credit-card-works.asp

If you’ve ever had a payment declined because your default credit card payment method on Amazon has expired, you know how annoying it is. Here’s how to change your default card on Amazon, and also clean up the list since Amazon doesn’t do that automatically.

You can make this change both through their desktop website, and also in the mobile app. We’ve got the instructions for the website first, but if you’re an app user, you can scroll down a bit to see how to change your default card in the mobile app.

On the Website

Head to Amazon and go to Your Account > Your Account.

Next, select the “Payment Options” setting.

You’ll see a list of all the payment methods currently attached to your account. I’ve got a lot, and about half of them are expired.

To remove an expired payment method (or just one you no longer use), click the little downward facing arrow to expand the payment method details, and then click the “Delete” button.

Click the “Confirm Delete” button, and that method will be gone from the list.

Go through and remove any old cards. Here’s my (much tidier) list.

Now that the list of cards on your account is looking a lot better, it’s time to change the default settings. Over in the left hand sidebar, click the “1-Click Settings” link.

At the top of the list, you’ll see your default payment and address options. Note that even though you’re looking at your 1-Click preferences, that same default payment method is used for Alexa, Kindle, and other digital purchases, too.

You can change your default payment method in one of two ways. If you see another payment method listed further down on the page, you can click the “Make Default” button to the right of that method to make it the default. If you do this, whatever nickname and shipping method you have attached to that method also become the defaults.

Alternatively, if you just want to change the default payment method and leave those other things alone, click the “Change” link next to “Payment Method” in the section that contains your current default. You’ll also want to do it this way if you need to add a new card that’s not already associated with your account.

Select the card you want to use—or click “Add New Card” if you need to add a new one—and then click the “Continue” button.

Now, whenever you make an order, that’s the card Amazon will try to use.

With the Mobile App

Open the Amazon mobile app, tap the menu icon, and then tap the “Account” setting.

Select the “Manage Payment Options” entry, and you’ll see a list of all the credit cards currently attached to your account. To remove a payment method, tap the “Delete” button under that method. To add a new method, tap the “Add a Payment Method” option.

To change the default payment option, scroll down to the bottom of the Manage Payment Options page, and then tap the “1-Click Settings” link.

You’ll see a list of all the addresses you’ve associated with your account, and each address has its own default payment method. To change your default address, tap the “Make Default” button. To change the default payment method, tap the payment method (or if there isn’t one, tap the “Select a Payment Method” option).

Select the credit card you want to use—or add a new one—and then tap the “Continue” button.

From now on, that’s the card Amazon will try to use by default.

Источник: https://www.howtogeek.com/353118/how-to-change-your-default-credit-card-on-amazon-and-clean-up-the-list/

It looks like you are not the account holder. If a Citi account holder wants to grant you access to their account information, visit the Citi Developer Portal to try our APIs and contact our Open Banking Business Development Team

Reference ID: 18.5d2b1102.1638717368.1f68b81

Citi
Источник: https://online.citi.com/US/login.do?locale=en_US

Blink Subscription Plans provide extra features and benefits for Blink devices.

Add a Basic Plan which covers one eligible device (Blink Video Doorbell, Mini, Indoor, or Outdoor) camera, or the Plus Plan which provides the following benefits for an unlimited number of eligible* Blink devices on an account:

  • Cameras: Capture videos is fermented cabbage good for you images and store them in the cloud for up to 60 days so you can review, share, and save them at your leisure. 
    Photo Capture for Blink Video Doorbell, Indoor and Outdoor cameras automatically converts hourly images into a short clip that you can view in the Blink app.
  • Sync Module 2: Enjoy advanced features such as Local Storage.
  • All Blink Devices: Enjoy extended warranties for subscribed devices, plus get 10% off future purchases of Blink products.


*The original Sync Module, XT2, XT and Indoor (gen 1) cameras share 2 hours of basic cloud storage. Each clip is deleted when it reaches 60 days old (30 days in EU, UK).

The XT, XT2 and Indoor devices can only be added to a Plus Plan subscription and receive 10% discount on Blink products, and the extended warranty.

Blinksubscription plans are only sold and managed on Amazon.com. Amazon Store Cards and Amazon Secured Cards can not be used to purchase Blink subscriptions.

The following steps explain how to purchase and activate your subscription plan.

  1. Link your Amazon and Blink accounts. Click here for directions.
    Note: It is important that your subscription plan is chosen, attached and purchased using the same Amazon.com account that is linked to your Blink account.

  2. Purchase a subscription plan.Customers will have the option for a Basic or Plus plan. Both tiers have a Monthly and Yearly option.


  3. Choose the Device you’d like to attach to your subscription (only applies to Basic Plans since Plus Plans cover all eligible devices on a Blink account), and then select the Continue checkoutbutton. Since Basic plans only cover single cameras, you may have multiple Basic plans within the same account, each covering a specific camera.

    Basic Plan Example


    Plus Plan Example


  4. Next place an order for the Subscription.


  5. Your devices are now covered with a Blink subscription plan!


    After these steps your Blink subscription is activated and if you are within your free trial period, you will be charged when it ends. A bill item "
    BLINK AMZN.COM/BILL WA" will appear on your card statement. You can manage your subscription anytime through your Amazon account under Memberships & Subscriptions.

    Watch the video >

    Click here to learn about Linking a Blink Subscription Plan after Purchasing It.


Compare Blink Subscription Plans


Without plan

Blink Basic Plan

Blink Plus Plan

Price

$3/month per device or save and subscribe for $30/year

$10/month for unlimited devices or save and subscribe for $100/year

Number of devices supported

N/A

1

Unlimited number of devices per account

Motion-activated notifications

Yes

Yes

Yes

Live view streaming

Yes

Yes

Yes

Motion detection video recording

Yes

Yes

Live view recording

Yes

Yes

60-day unlimited video history

Yes

Yes

Rapid video access (instantly watch your videos as soon as they’re recorded)

Yes

Yes

Video sharing

Yes

Yes

Photo capture (images captured periodically for more coverage)*

Yes

Yes

10% off Blink devices on Amazon.com

Yes

Extended warranty coverage

Yes

*Feature applicable to new Blink Video Doorbell, Indoor and Outdoor cameras.

Give feedback about this article

Источник: https://support.blinkforhome.com/subscriptions/purchasing-a-blink-subscription-plan-through-amazon
weather radar berks county pa Using a Credit Card on Amazon Safe?

By Aaron Charles

Amazon doesn't make business checking accounts a payment option; only personal accounts.

Amazon handles a truckload of transactions each year. In the company's 2012 fiscal year, for example, the company totaled more than $61 billion worth of sales. In the mix of all of these transactions, there's always the danger of credit card fraud. The Federal Trade Commission, though, notes that although credit card fraud could happen because of high-tech hacking, generally the problem lies in a lack if vigilance on the card-holder's part. For both customers and businesses using Amazon to sell their wares, there are reasons to feel safe using a credit card.

Featured

Paying with credit and debit cards is the payment method featured most prominently by Amazon. One reason for that is because Amazon uses Secure Sockets Layer (SSL) software to encrypt your credit card number, making your number impossible to read without two "keys" to decode the encryption -- which anyone intent on stealing your info won't have. Other methods of payment include paying directly from your checking account or signing up for Amazon Payments, which is connected to your bank account.

Protection

Even with all the safeguards Amazon employs to keep your credit card information safe, there's no such thing as fail-safe security. However, if your information is stolen somehow, any successful cybercriminals will only have temporarily stolen your credit, not your cash, while your financial institution investigates the fraud. Plus, even if fraud did occur after using your credit card, the FTC notes, if www amazon com credit card login report the fraud you'll only be liable for up to $50.

Prevention

The FTC gives tips (link in References) about how you can protect yourself and your business from credit card fraud online. One of those tips is to submit your credit card information only to reputable companies when making purchases -- and Amazon, given its position as a leading online retailer, qualifies as a reputable company. Also, if you print out all of your Amazon purchase receipts, you'll have an accessible record of credit card purchases so you can quickly spot fraud if it does occur. Beyond that, Amazon advises that you never send your credit card information in an email as a form of payment.

Alternative

While purchasing directly from Amazon with your credit card is mostly safe, buying from third-party vendors on Amazon is a bit different, since you're dealing individual sellers and not Amazon itself. In such cases, the Amazon Payments service gives you the option of adding money to an Amazon Payments account, to which you can add money from your bank account. When you're finalizing your purchase from a third-party, you can opt to use your Amazon Payments balance to make the purchase, instead of a credit card. This is a safer way to pay, as you don't have to share your banking information with the third-party seller.

References

Writer Bio

Aaron Charles began writing about "pragmatic art" in 2006 for an online arts journal based in Minneapolis, Minn. After working for telecom giant Comcast and traveling to Oregon, he's written business and technology articles for both online and print publications, including Salon.com and "The Portland Upside."

Источник: https://smallbusiness.chron.com/using-credit-card-amazon-safe-66518.html

How the Amazon Prime Rewards Signature Visa Card Works: Benefits and Rewards

How the Amazon Prime Rewards Signature Visa Card Works

Amazon.com is the virtual store that can i pay bills with my capital one credit card everything—and at low prices. Order it today; have it as soon as tomorrow. Not only does it offer a wide variety of goods, but the company also offers a co-branded visa card, especially for its Prime members.

The Prime Rewards Signature Visa is similar to its alternative co-branded card, named the Amazon Rewards Signature Visa credit card. Both credit cards can be used anywhere Visa is accepted and are backed by Chase Bank USA, N.A., a subsidiary of JPMorgan Chase & Co., which handles all revolving credit services and issues.

The card can be used anywhere that accepts Visa. The card offers 5% cashback on all items purchased on Amazon.com and Whole Foods markets. Newcomers get a $100 Amazon.com Gift Card instantly upon credit card approval. Cardholders may select a card design featuring either Amazon or Whole Foods, as well.

Key Takeaways

  • The Amazon Prime Rewards Signature Visa Card is a co-branded credit card offering rewards like 5% cash back on purchases made on Amazon.com and in Whole Foods markets. 
  • Besides good credit, you must have a Prime membership to be eligible for a Prime Rewards Signature Visa. 
  • The Amazon Rewards Visa Signature Card is nearly identical to the card designed for Prime members. However, cardholders only receive a 3% rebate on purchases. 
  • You must have a good credit score—at least 670—to be considered for either of the co-branded Amazon Signature Visa cards.
  • Amazon also offers two store cards, but these cards are not credit cards. The cards are used for purchases on Amazon.com but eligible for use in Whole Foods markets.

Rewards and Benefits

If you do a lot of shopping on Amazon and at Whole Foods, this card offers several perks. You earn a 5% rebate (or 3%, for non-Prime members, who are eligible for the Visa Rewards card) for all Amazon.com and Whole Foods Market purchases; 2% at gas stations, restaurants, and drugstores; and 1% on all other purchases. Your rewards come in the form of points. You'll get one point for each penny you earn in rebates.

When you open an Amazon Signature Visa credit card, you will receive 5% back everywhere you shop on up to $2,500 in purchases for the first three months of owning the card if you have a Prime account. If you tend to buy your groceries at Whole Foods and frequently shop online at Amazon as a Prime member, this card could provide substantial rewards and rebates.

Example of Points

Let’s say you bought an item on Amazon for $20. You would earn a 3% rebate (60 cents), which would become 60 points. Every 100 points are worth $1. Your points are available as soon as they are processed as a discount at checkout.

When you are approved for the card, Amazon will give you a $100 gift card. There is no annual fee, no foreign transaction fees, no earning cap, and your points never expire.

Where Can Someone Get the Amazon Prime Rewards Signature Visa Card?

Interested customers can apply for the card online at Amazon.com. However, the vetting process will go through Chase Bank, which authorizes and administers the financial logistics and the approval process. 

According to Amazon.com, "if your application www amazon com credit card login instantly approved, you'll be taken to a page that includes the Cardmember Agreement, the terms of your Amazon Rewards Visa Signature account, and other important information."

Conversely, if your application isn't approved instantly, Chase Bank will inform you about your status after reviewing your credit history. This takes approximately two to four weeks. Amazon recommends waiting two weeks after submitting your application before contacting Chase Bank.

What Kind of Credit is Required for the Amazon Prime Rewards Signature Visa Card?

Unlike the Amazon store card, which only requires fair credit, the Amazon Rewards Signature Visa cards (Prime member or non-member) both require a higher credit score because they are Visa credit cards.

Amazon.com offers both a store credit card that can only be used on Amazon.com orders and several co-branded Visa card options such as the Amazon Rewards Visa Signature Card that can be used anywhere Visa is accepted.

Where Can the Amazon Prime Rewards Signature Visa Card Be Used?

You can expect to use your Amazon credit card anywhere that takes Visa, most likely anywhere in the U.S., and over 150 countries worldwide. Unlike store cards tied to use at a specific retailer, a visa card connected to Amazon.com is a regular credit card in many ways.

You will earn rewards if you use it to shop on Amazon.com or Whole Foods, but you can also benefit from rewards when used at participating gas stations, pharmacies, and other retailers.

Alternatives to the Amazon Prime Www amazon com credit card login Signature Visa Card

Amazon offers two store-only cards, similar to its credit cards, as the Amazon Prime store card offers its Prime member holders more perks. Synchrony Bank issues the Amazon.com Store Card and the Amazon Prime Store Card, and the cards are useful if you are a frequent shopper on Amazon.com.

Amazon.com and Amazon Prime Store Cards

If you don't want or don't qualify for either of the Amazon Rewards Signature Visa cards, the Amazon.com or Prime store cards may be a viable option for saving money on your Amazon purchases. Amazon store cards are not accepted at Whole Foods markets, unlike the Amazon Prime Rewards Signature Visa and the Amazon Rewards Signature Visa.

When you are approved for an Amazon.com store card, you receive a $60 gift card from Amazon.com, a bit less than the $100 gift card you receive for opening an Amazon Prime Visa card. The Amazon store card's reward program is not as robust as its Visa Rewards Att text pay my bill Visa card, but it does offer introductory financing opportunities for new cardholders.

Amazon Rewards Signature Visa Credit Card

The Amazon Rewards Signature Visa card is another alternative if you don't have a Prime membership but want the convenience and the benefits of an Amazon Visa credit card. The Amazon Rewards Signature Visa is nearly identical in its perks and terms and conditions as the Prime Rewards Visa Signature Card, with one exception, if you are not a Prime member, you will only reap a 3% reward when you shop on Amazon.com and at Whole Foods.

Terms and Conditions of the Amazon Prime Rewards Signature Visa Card

The annual percentage rate on your card will depend on your credit history. There’s no introductory APR. Expect a rate between 14.24% and 22.24%, but it will vary based on the prime rate. Balance transfers have the same APR as purchases instead of the higher one many cards impose.

Cash advances on the Amazon Prime Rewards Signature Visa have an interest rate of 24.99%. You have 21 days after the end of the billing cycle to pay the balance in full to avoid any interest charges. The late payment fee is up to $39, depending on your card's balance. Customers will pay $5 or 5% of the balance transfer amount, whichever is greater. Cash advances cost $10 or 5%, whichever is greater.

The card does www amazon com credit card login have an annual fee attached, but if you want the Amazon Prime Rewards Signature Visa, you will have to pay to be an Amazon Prime member, which costs $119 per year. You must be age 18 or older to apply for the card, and credit limits are based on the applicant's credit.

Amazon Prime Rewards Signature Visa
APRLate FeeReturn Check FeeGrace Period
Amazon Prime Rewards Signature Visa14.24% and 22.24%$39None21 days after the end of the billing cycle

Who Should Consider the Amazon Prime Rewards Signature Visa Card?

If you frequently shop in Whole Food markets and on Amazon.com as a Prime member, this card might make sense given the rebates and rewards. A co-branded card like this provides not only access to rewards but a line of credit, and you have the flexibility of being able to use the card anywhere that takes Visa. If you don't want to take out a credit card, but you have brand loyalty to Amazon and shop frequently on its website, you might consider an Amazon.com or Amazon Prime Store card.

The Bottom Line

Although the card is only available to Prime members, the rewards structure of either Amazon Visa card might make it useful even for people who only shop at Amazon infrequently. The APR is still higher than most non-retail cards, but this card's terms are attractive in the retail space.

Rewards are most valuable to people who don’t carry a balance, as you can quickly pay more in interest charges than the benefits are worth if you don't pay it off. Second, it may be wise not to make purchases solely to earn rewards. Saving your money and investing it will always win out over spending.

If you are interested in owning a Visa card and an avid Amazon.com and Whole Foods shopper, you may want to investigate opening this card.

Frequently Asked Questions

What Kind of Credit Score Do I Need to Open an Amazon Prime Rewards Signature Visa Card?

Amazon.com doesn't state explicitly about the score. Still, numerous reviewers of the product report that the recommended credit score to be eligible for an Amazon Prime Bank of eastman magnolia state bank Visa card needs to be at least 670.

Where Can I Use My Amazon Prime Rewards Signature Visa Credit Card?

You'll earn 5% back on all Amazon.com and Whole Foods markets purchases, but you can use the card anywhere Visa is accepted.

Does Amazon Prime Rewards Signature Visa Card Help You Build Credit?

Yes. Like any Visa credit card, if you manage your credit wisely, it can help you improve your credit over time.

Does the Amazon Prime Rewards Signature Visa Have an Annual Fee?

No, the card does not have an annual fee. However, www amazon com credit card login will be required to purchase an Amazon Prime membership ($119 a year) if you want to open an Amazon Prime Rewards Signature Visa credit card account.

What's the Difference Between the Amazon Prime Rewards Signature Visa Card and the Amazon Rewards Signature Visa Card?

Both cards are co-branded by Chase and offer the same terms and conditions but slightly different rewards. Prime members get a 5% back on all items purchased on Amazon.com, and at Whole Foods, non-prime cardholders receive a 3% rebate. Both cards come without an annual fee, but a Prime membership costs $119 a year.

Источник: https://www.investopedia.com/articles/personal-finance/012815/how-amazoncom-credit-card-works.asp
amazon app 10 promotional credit Ways To Pay Your Amazon Credit Card Bill

Credit Cards / Retail

CHIANG MAI,THAILAND, FBE 11 2016 : iPhone 6s plus showing AMAZON app on <a href=the skeleton key in hindi download Amazon.">

mrmohock / Shutterstock.com

An Amazon credit card gives you even bigger buying power at one of the world’s top shopping sites. With new and used products from both third-party sellers and its own massive inventory, the global retailer has something for everyone and provides a bevy of financial benefits with its branded card.

The Amazon Store Card can be used for most purchases on Amazon.com and Amazon-branded physical stores. Plus, if you opened your account before Jan. 1, 2021, you can use the card at merchants that accept Amazon Pay. Cardholders are also eligible for interest-free purchases for six, 12 or 24 months by making equal monthly payments. Plus, Amazon Prime Store Card users can earn 5% back in statement credits or Amazon rewards points on Amazon.com purchases.

After using your Amazon Store Card, you’ll need to pay your bill. Find out your options so you can avoid making a late payment.

How To Make Your Amazon Credit Card Payment Online

Whether you want to make a minimum payment or pay off your Amazon credit card balance, this popular Amazon credit card bill-pay option requires you to log in to your account at the Synchrony Bank Amazon online credit center. Follow these steps to make a one-time payment:

  1. Log in to your account.
  2. Place your cursor captain america the winter soldier box office “Payments” and then select “View and Make Payments.”
  3. Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.
  4. Select a payment date.
  5. Enter your bank’s routing number and your checking account number in us bank need new debit card appropriate fields and confirm.

Synchrony also offers cardholders the option to “Pay as Guest,” which means you can pay without logging in to your account. To use this feature, you’ll need to enter your card number, Social Security number and ZIP code.

How To Pay Your Amazon Credit Card Bill by Phone

You can make a payment of any size by calling Synchrony Bank’s automated payment system. You can also press zero to have a customer service representative assist you.

Here are the steps to pay your Amazon credit card bill by phone:

  1. Call Synchrony Bank at 866-634-8379.
  2. Wait for usps office open today prompts, and press two on your keypad.
  3. Listen to the prompts, and press one on your keypad.
  4. Enter your Amazon Store Card account number to allow the system to identify your www amazon com credit card login the prompts to make your payment.

How To Make an Amazon Credit Card Payment by Mail

Synchrony also accepts mailed payments. However, the crediting of your payment may be delayed up to five days after Synchrony acknowledges receipt. Follow these steps:

  1. Make out your check or money order to Synchrony Bank/Amazon.
  2. Place the remittance form from your statement with your payment, filling in the amount you wish to pay.
  3. Send your payment to:

Synchrony Bank / Amazon
P.O. Box 960013
Orlando, FL 32896-0013

When Is My Amazon Credit Card Bill Due?

As an Amazon cardholder, the due date for your Amazon credit card comes at a minimum of 23 days past the billing cycle’s close. You won’t be charged interest on purchases if your balance is paid by the due date every month. Payments are due by 5 p.m. ET. You will be charged a late fee of up to $40 if you fail to make your Amazon credit card payment on time.

Note that these payment instructions do not apply to Amazon Rewards Visa Signature cardholders. The Amazon Rewards Visa is financed by Chase Bank.

Cynthia Measom contributed to the reporting for this article.

About the Www amazon com credit card login creates online content from her home in Peoria, IL. She ghostwrites product descriptions, blog posts and static webpage content for small, medium and large businesses. Stacy has written articles for the Houston Chronicle, NestMagazine and other publications online.

Источник: https://www.gobankingrates.com/credit-cards/retail/best-ways-pay-amazon-credit-card-bill/

Amazon store cards vs. Amazon Visa credit cards

If you do a lot of online shopping, Amazon.com is likely one of your first stops – so much so that you may be considering applying for an Amazon-branded credit card to earn rewards or finance purchases. But at a glance, deciding which card to get can be a challenge.

You have two main routes to consider: A store-only credit card from Synchrony Bank or a traditional credit card from Chase.

From Synchrony, there’s the Amazon Store Card and its counterpart for Amazon Prime members, the Amazon Prime Store Card; and from Chase, there’s the Amazon Rewards Visa Signature Card and its counterpart for Prime members, the Amazon Prime Rewards Visa Signature Card.

Luckily, despite some similarities, each of these cards is geared toward a very specific consumer, and deciding which is best for you comes down to two key questions: Are you a Prime member? and, what’s your credit score?

See related: Best credit cards for Amazon purchases

Best Amazon co-branded credit cards

  • Amazon Prime Secured Card: Best for bad credit or www amazon com credit card login limited credit history
  • Amazon Store Card: Best for fair credit and no Prime membership
  • Amazon Prime Store Card: Best for fair credit with a Prime membership
  • Amazon Rewards Visa Signature Card*: Best for good credit and no Prime membership
  • Amazon Prime Rewards Visa Signature Card*: Best for good credit with a Prime membership

Amazon Prime Store Card vs. Amazon Prime Visa card: At a glance

Synchrony and Chase each offer two versions of their Amazon cards – one for Prime members and one for nonmembers – and you’re automatically assigned one or the other when you apply.

Whether you opt for an Amazon store card from Synchrony or an Amazon Visa from Chase, being a Prime member is key if you want to maximize your rewards on Amazon purchases.

While you’ll earn 5% back on Amazon purchases with either the Amazon Prime Store Card or the Amazon Prime Visa card, the two cards vary considerably in other areas, including their sign-up bonuses, approval odds and cardholder benefits.

Amazon Prime Store Card
Amazon Www amazon com credit card login Store Card
Amazon Prime Rewards Visa Signature card
Amazon Prime Rewards Visa Signature Card
Rewards rate5% cash back on Amazon.com purchases
  • 5% cash back on Amazon.com and Whole Foods purchases
  • 2% back on restaurant, gas station and drugstore purchases
  • 1% back on all other purchases
Sign-up bonus$100 Amazon.com gift card$150 Amazon.com gift card
Annual fee$0 (but requires $119 Amazon Prime membership)$0 (but requires $119 Amazon Prime membership)
Card perks
  • Access to Amazon promotional financing offers
  • Zero fraud liability
  • Access to Amazon promotional financing offers
  • Extended warranty
  • Purchase protection
  • Roadside dispatch
  • Car rental insurance
  • No foreign transaction fees
Estimated earnings in first year ($15,900 spend)$124$401

Amazon credit cards: Key differences

Amazon store cards issued by Synchrony Bank share some key features with the Amazon Visa cards issued by Chase – including exclusive Amazon financing offers and a chance at bonus rewards on Amazon purchases. But they are completely separate products geared toward very different consumers. Here are some of the most important differences to keep in mind.

Open vs. closed loop

The most obvious difference between the Synchrony Amazon cards and the Chase Amazon cards is their reach.

Like most store credit cards, Synchrony’s Amazon cards are “closed loop” credit cards. Closed-loop cards can only be used at a specific store or family of brands – in this case, only on Amazon.com and Audible.com purchases and with select Pay With Amazon merchants. Chase’s Amazon cards, in contrast, are “open-loop” cards, which can be used anywhere Visa cards are accepted, online or off.

Approval odds

Another major point of departure for these two card suites is their credit requirements. While you can qualify for one of Synchrony’s Amazon store cards with only a fair credit score, you’ll likely need at least a good credit score to bank of eastman magnolia state bank for one of the Amazon Visa cards from Chase.

Tip: Even if your credit falls short of those bench marks, you can still get an Amazon card. You’ll just need to start off with the Amazon Prime Secured Card, a secured credit card that can upgrade to a regular Amazon store card.

Unfortunately, while you can prequalify for some Chase cards on the issuer’s website, neither Synchrony nor Chase currently offers capital one debit card benefits on their Amazon credit cards. The Amazon store cards do offer instant approval, however, so you can find out if your application was approved within seconds.

See related: What affects your credit score?

Rewards programs

The Amazon Prime Store Card from Synchrony and the Amazon Prime Rewards Visa Signature card from Chase each offer 5% back on Amazon.com purchases, but the latter card also comes with 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Meanwhile, the Amazon Rewards Visa Signature Card, designed for cardholders who are not Prime members, offers just 3% back on Amazon.com and Whole Foods purchases but carries the same rate as the Amazon Prime Rewards Visa in other categories: 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Without a Prime membership, the Amazon Store Card earns no rewards.

Additionally, the rewards you earn with Synchrony’s Amazon Prime Store Card are much less flexible than those you earn with a Chase Amazon card. Amazon Prime Store Card rewards can only be used for purchases on Amazon.com, while Amazon Visa card rewards can be redeemed in a variety of ways, including as cash back in the form of a deposit or statement credit, for Amazon purchases and for travel.

Best for building credit: Amazon Prime Secured Card

If you have a limited credit history or are working on rebuilding your credit after a few financial missteps, both the Amazon store cards and the Chase Amazon cards may be temporarily out of reach. And since nearly every new credit card application will result in a hard pull of your credit report, it makes sense to limit applications to cards that offer a decent chance at approval.

A great starting point is the Amazon Prime Secured Card, a secured version of the Amazon store cards. Also issued by Synchrony Bank, the Amazon Prime Secured Card charges no annual fee but requires you to put down a refundable deposit of $100 to $1,000 (in $50 increments), which doubles as your credit limit.

To start, the card offers 2% back on Amazon.com purchases for Prime members. After 12 months of responsible use, you may be able to graduate to an unsecured Amazon store card, get your deposit back and boost your cash back rate to 5% on Amazon.com purchases with a Prime membership. The card also charges an ultra-low fixed APR of just 10% and a late fee of up to $5 (far lower than the up to $40 you typically find on credit cards).

Once your credit score improves, you can also look www amazon com credit card login a more flexible cash back credit card like one of the Amazon Visa cards. Just keep in mind that since the Amazon store cards and Amazon Visa cards have different issuers, you can’t request a product change from one to the other. You’ll need to put in a separate application and face a separate hard credit inquiry.

See related: How a secured card helped my credit score

Best for average credit: Amazon Prime Store Card

If, on the other hand, you have at least a middle-of-the-road credit profile, one of the Amazon store cards from Synchrony will be your best bet, as these cards offer much more favorable approval odds than the Amazon Visa cards. Assuming you pay on time and keep your balances low, store cards like these can be a great tool as you work to move your credit from average to good.

The wide variety of items available on Amazon.com may also make these cards a smarter financial choice than the typical the skeleton key in hindi download store card, as you can use your Amazon store card for both practical items and the occasional indulgence. If you’re a Prime member, you’ll still earn rewards, and, unlike many unsecured credit-building cards, the Amazon store cards charge no annual fee.

Best for earning rewards: Amazon Prime Rewards Visa Signature Card

Whether you’re a Prime member or not, Chase’s Amazon cards win out easily on the rewards front. These cards offer many more opportunities to earn rewards on everyday spending and are much more flexible.

Indeed, even with its lower rewards rate on Amazon purchases, the Amazon Rewards Visa Signature Card beats out the Amazon Prime Store Card – thanks to rewards flexibility and a higher average rewards rate across purchases outside of Amazon.com.

There’s also a stark contrast when it comes to sign-up bonuses. On either Amazon store card, new members get a $100 Amazon.com gift card upon approval, compared to a $150 and $50 gift card with the Amazon Prime Rewards Visa www amazon com credit card login Amazon Rewards Visa, respectively.

Tip: The Amazon credit cards aren’t your only options for earning rewards on Amazon or other online shopping. The Discover it® Cash Back is one good alternative, as it frequently features Amazon.com in its cash back calendar. This year, the card is offering 5% back on Amazon.com purchases from October through December (upon enrollment, on up to $1,500 in spending per quarter, then 1%).

Best for Amazon financing: It depends

While both the Amazon store cards from Synchrony Bank and the Amazon Visa cards from Chase come with promotional Amazon financing offers for cardholders, the terms are slightly different.

If you’re looking to pay off an Amazon purchase over time and are debating which route to go, you may need to choose between a longer financing period (but a higher APR and minimum purchase requirement) and a lower minimum purchase requirement (but a shorter financing period).

Both cards let you choose between Equal Pay financing – which charges no interest if you make your equal monthly installment payments on time – and Special Financing – which uses a deferred interest model.

While the difference is not dramatic, Synchrony’s Amazon store cards offer longer financing periods on Equal Pay purchases. With the store cards, you can get six, 12 or 24 months to pay off your minimum purchase of $150, $600 and $800, respectively. The Chase Amazon Visa cards, on the other hand, offer six- 12- and 18-month financing plans on minimum purchases of $150, $250 and $500, respectively.

Keep in mind, the 25.99% variable APR on Synchrony’s Amazon store cards is fairly high compared to the average credit card interest rate and could come back to bite you if you opt for Special Financing.

See related: Can you transfer a store card balance to a credit card?

Which First volunteer bank lafayette ga credit card is best for you?

Along with your Prime membership status, your credit score will be the main factor in deciding which Amazon credit card is the best match for you.

If you have a damaged credit score or a limited credit history – or even if your credit score is just average – you’ll likely have a hard time qualifying for one of the Amazon Visa cards from Chase. Stick with one of the secured or unsecured Synchrony store cards while you build your score, after which you can apply for a more lucrative Amazon credit card from Chase.

If, on the other hand, your score is in good shape, one of the Chase Amazon cards is the obvious choice, as you cannot only earn more plentiful (and more flexible) rewards but also enjoy a lower APR and take advantage of Amazon financing on large purchases.

*All information about the Amazon Prime Rewards Visa Signature Card, the Amazon Rewards Visa Signature Card and the Amazon Prime Secured Card has been collected independently by CreditCards.com and has not been reviewed by the issuers.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nouri Zarrugh is a staff editor at CreditCards.com, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.

Источник: https://www.creditcards.com/credit-card-news/amazon-store-card-vs-amazon-visa/
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Comments

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