Q: I was thinking about applying for the Amazon credit card, but my credit score isn’t excellent. What is the minimum score required to be approved for this card?

A: There are several Amazon credit cards available, but for the Amazon Store Card, your credit doesn’t need to be excellent. Amazon, like most credit card issuers, doesn’t share all of its requirements for qualification, probably because they change from time to time based on whatever is profitable at the moment. With this said, several customers with credit scores in the low 600s, and even one with a score in the upper 500s, have recently managed to land Amazon store credit cards.

As long as your score is in the “fair” range, you don’t have any major black marks on your credit report (like a bankruptcy), and you have income coming in, you should be able to score their store card. The “fair” range changes depending on who you ask, but it’s around 640-680. This isn’t an elite card, so don’t be afraid to try if you’re near this mark.

With that said, beware of the extremely high interest rate with the Amazon rewards program.

Like most store cards, the interest rate for Amazon’s card is prohibitive: 25.99%. This is not the kind of card that you want to keep paying off for years. They do offer some financing offers where you don’t have to pay interest if you pay off the purchase within 6 or 12 months, but don’t be late or you’ll have to pay interest from the beginning of the promotional period, not the end of it.

There is a Better Card for Earning Rewards with Amazon

We highly recommend the new Discover it card over the “official” Amazon credit card.

This is because Discover it allows you to earn up to 5% cash back on many more spending categories including gas, groceries and online shopping (including Amazon.com) which rotate throughout the year. In addition to the rotating 5% categories you earn 1% back on all other purchases with no tiers or rewards caps.

In addition to the phenomenal rewards program, Discover it now allows you to redeem all of this cash back for purchases directly on Amazon – making this card in our opinion a much better choice than the Amazon Visa.

Discover it is also fairly easy to get approved for if you have decent credit and no major issues.

  • Credit Required
    Excellent Credit
  • Rewards Program
    Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Signup Bonus
    0% Intro APR on purchases and balance transfers for 14 Months*
    Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.

CreditShout Rating:
( Excellent )