If you shop on Amazon often, the two U.S. “Amazon credit cards” are worth considering.
Each offers strong everyday rewards plus lesser-known benefits that can add real value when used correctly.
Below is a clear guide to the Amazon Credit Card’s hidden perks.
The Two Cards, at a Glance
You could have the Prime/Amazon Visa or the Store Card.
Prime Visa (for Prime members) and Amazon Visa (for non-Prime)
You have no annual credit card fee, purchase/travel protections and no foreign transaction fees.
It offers elevated cash back at Amazon brands (Amazon.com, Amazon Fresh, Whole Foods Market) and on select travel booked through the issuer’s travel portal.
Prime cardholders also see rotating “Prime Card Bonus” deals (often 10% or more back) on select items.
Amazon Store Card (and Prime Store Card)
A private-label card for Amazon purchases with 5% back for Prime members.
Also, frequent promotional financing options like Equal Monthly Payments or deferred-interest “Special Financing.”
“Hidden” Perks Most People Overlook
You can find Amazon Credit Card’s hidden perks if you look closely.
Daily rewards you can use immediately
The Amazon Visa post points quickly—100 points = $1.00 toward eligible purchases at Amazon or for cash back, gift cards, and travel via rewards portal.
That fixed 1¢ per point value keeps redemptions simple and prevents guesswork.
Redeeming at Amazon checkout or as a statement credit yields the same baseline value, so pick the method that fits your budgeting style.
Prime-only “10%+ back” categories
Prime Visa cardmembers periodically see 10% or more back on rotating items or categories on Amazon.com, on top of the usual earn rates.
These promotions change over time and are often tied to specific brands or product pages.
Checking for these “Prime Card Bonus” offers before big purchases can add meaningful savings.
Equal Pay (0% promo APR) on eligible Amazon purchases
A powerful feature on both is Equal Monthly Payments at 0% promotional APR for qualifying Amazon orders.
You split a purchase into fixed, interest-free payments for the promo period.
Note that Equal Pay purchases typically don’t earn %-back rewards while the promotion is active; review the offer box at checkout.
Special Financing
With the Amazon Store Card, you may also see Special Financing (deferred interest).
If any balance remains when the promo ends, interest can be charged from the purchase date, which can be expensive.
Equal Pay’s true 0% monthly plan is usually safer if you want predictability.
Built-in protections and travel benefits (Visa versions)
The Prime/Amazon Visa includes Extended Warranty, Baggage Delay, Lost Luggage, Travel, and Auto Rental Accident Insurance.
If you keep receipts and follow the claim rules, these can offset costs from damaged items, delayed bags, or rental-car incidents.
Instant use and gift card upon approval
When approved online, many applicants receive an instant Amazon gift card credit and can start shopping immediately with the new card details.
This helps you capture time-sensitive deals without waiting for the physical card.
Whole Foods and issuer-travel earn, too
Top earning rates aren’t limited to Amazon.com.
Whole Foods Market purchases in the U.S. earn at elevated rates, and travel booked through the issuer’s portal can also earn extra rewards.
Purchases made directly with travel suppliers may not qualify for the portal bonus, so check the terms before you book.
Interest Rates and Key Fees (representative figures)
Prime Visa / Amazon Visa (JPMorgan Chase Bank, N.A.)
- Purchase APR (variable): generally in a tiered range such as 18.49%–28.24%, depending on creditworthiness and the Prime Rate.
- Cash Advance APR (variable): often around 29% or more.
- Foreign transaction fee: None.
- Late fee: up to $39 (subject to regulatory caps and change).
Note: Actual APRs, fees, and promo terms are set in your approval disclosures and can change; always review your current Pricing & Terms and Cardmember Agreement.
Amazon Store Card (Synchrony Bank)
- Purchase APR (variable): commonly 29.99%.
- Promotions: Equal Pay and Special Financing may be available on qualifying purchases. Special Financing is deferred interest—if you don’t pay in full by the end of the promo period, interest accrues from the purchase date.
Note: This APR is high. If you revolve balances outside of promos, interest costs add up quickly.
If you plan to carry a balance, prioritize Equal Pay offers you can repay within the promotional window.
Otherwise, consider avoiding large revolving balances—especially on the Store Card—because the APR is steep.
How to Redeem Smartly
Treat points as cash at 1¢ each. Whether you apply them at checkout, redeem for cash back, or choose gift cards, the baseline value is the same.
Some cardholders prefer paying with the Visa to earn rewards at 5%/3%/2%/1%, then redeeming points later as a statement credit.
The accounting stays tidy, and your purchase protections remain active because you paid with the card.
Stack with Equal Pay if available, and if pausing rewards on that purchase still makes sense for your cash flow.
Checklist to Capture Amazon Credit Card’s Hidden Perks
Watch for Prime Card Bonus offers that hit 10%+ on select items.
Apply 0% plans to big purchases you can fully repay within the promo. Set automatic payments to clear the plan on time.
Keep receipts and review your Guide to Benefits so you know how to file claims.
Pick the redemption method that fits your budget workflow—checkout, cash back, or gift cards.
Bank Phone and Mailing Details
Prime Visa / Amazon Visa (issued by JPMorgan Chase Bank, N.A.)
- Customer Service (U.S.): 1-888-247-4080 (24/7).
- Customer Service (International): 1-302-594-8200 (call collect per card instructions).
- Correspondence address: Chase Card Services, P.O. Box 15298, Wilmington, DE 19850. (Correspondence only; do not mail payments here.)
- Payment mailing address: Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294.
- Billing rights/disputes mail: Customer Service, P.O. Box 15299, Wilmington, DE 19850-5299.
Amazon Store Card (issued by Synchrony Bank)
- Customer Service: 1-866-634-8379 (Amazon Store/Prime Store Card servicing).
- Mailing addresses: Payments and correspondence addresses can vary; refer to your monthly statement or online account for the correct PO Box for your account and purpose (payments, correspondence, or disputes).
Conclusion
Amazon Credit Card’s hidden perks are available once you match the product to your habits.
Pick the card that fits your shopping patterns, use the hidden perks deliberately, and you’ll get more value than the headline rewards suggest.
Disclaimer: Rates, fees, promotions, and benefits change frequently and vary by applicant, Prime status, and market conditions. Always review your current Pricing & Terms, Rewards Program Agreement, and Guide to Benefits from the issuer before applying or relying on any feature described here.
