Amazon Prime itself is a subscription, not a credit product, so it doesn't use credit bureaus; however, for the co-branded Amazon Prime Rewards Visa Card (issued by Chase) or the Amazon Store Card (issued by Synchrony), they use standard credit bureaus like Experian, Equifax, or TransUnion, pulling your report for approval, but the specific bureau varies by issuer and sometimes even by applicant, though Chase often uses Experian for the Visa.
For the Amazon Prime Store Card (the closed-loop card for use only at Amazon), you generally need Fair Credit (around 640+ score) for the best approval odds, while the popular co-branded Prime Visa Card typically requires Good to Excellent Credit (670+); Amazon offers different cards to cater to various credit levels, including secured options for building credit.
Prime Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply.
No, the Amazon Credit Card won't do a soft pull. It will perform a hard pull when you apply for it which can damage your credit score temporarily. You will need a credit score of at least 700 to get the Amazon Credit Card.
To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.
A 660 credit score is categorized as fair, nearly reaching the good range. Approval for credit cards, auto loans, and mortgages is possible, though not at the best rates. Increasing the score by 10 points might lead to better loan terms and savings. FHA loans require a minimum score of 580, with a 3.5% down payment.
The Amazon Credit Card mainly uses Experian to check your credit when you apply, though Chase may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
With a 500 credit score (considered poor), you likely won't get the standard Amazon Prime or Store Cards, which need good credit (670+); however, you can get the Amazon Secured Credit Card, designed for building credit, requiring a deposit but offering rewards after responsible use and reporting to bureaus.
Our pick for: No credit check at all
The opensky® Secured Visa® Credit Card is a rarity even among secured credit cards, in that it allows you to qualify without a bank account or any kind of credit check. It normally requires a minimum $200 security deposit, which sets the amount of your credit limit.
The Prime Visa credit limit is $500. Everyone who gets approved for Prime Visa is guaranteed a credit limit of $500 no matter how creditworthy they are. If you are looking for a higher credit limit than $500, you should apply for a credit card from a different issuer.
Synchrony bank mainly uses TransUnion to assess your creditworthiness when you apply for a credit card, though they may use Equifax or Experian instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a Synchrony bank credit card.
The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
Your Amazon Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt.
Quick Answer. A preapproval helps you assess your likelihood of approval for new credit and the terms you could receive. While a credit card preapproval doesn't affect your credit, a preapproval for a mortgage or car loan could cause a minor but temporary decrease in your credit score.
The best credit card for a 550 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The opensky Plus Credit Card also reports to the credit bureaus on a monthly basis.
The easiest Amazon credit card to get is the Amazon Secured Card, designed for building or rebuilding credit with a refundable deposit, while the slightly easier unsecured option is the Amazon Store Card, requiring fair credit (around 640+ score) but only usable at Amazon. Both have no annual fee and can offer rewards for Prime members, with the secured version requiring a deposit, making it accessible even with bad credit, and the store card being a step up for those with fair credit, according to sources.
As a result, a 499 credit score will make it difficult to qualify for a loan or unsecured credit card. You will need to focus on rebuilding your credit before trying to get a mortgage, car loan, etc.
While many major issuers use multiple bureaus, Truist Bank and Langley Federal Credit Union are known for often pulling only Equifax for personal cards, with PNC, U.S. Bank, and Navy Federal Credit Union also frequently using Equifax (especially for business cards), but sometimes other bureaus too, so check for specific offers.
If you're careful with your spending habits and can make payments on time, monthly subscriptions can be a helpful way to build your credit score. They can be another way to show that you are responsible with your money and able to pay off your bills on time.
For the Amazon Prime Store Card (the closed-loop card for use only at Amazon), you generally need Fair Credit (around 640+ score) for the best approval odds, while the popular co-branded Prime Visa Card typically requires Good to Excellent Credit (670+); Amazon offers different cards to cater to various credit levels, including secured options for building credit.
If you're new to credit, it may take six months to a year to reach a solid score of around 700 using FICO® or VantageScore® models. Hitting an exceptional score of 800 or higher often takes years of careful and responsible credit management.