Amazon Credit Cards offer a host of benefits and rewards to their users. However, where you can use these cards depends on the type of card you own. This article provides a comprehensive guide on where you can utilize your Amazon Credit Card, the specific features and benefits of each card, and how to maximize your rewards.
Where you can use your Amazon Credit Card depends on the type of card you have. The Amazon Store Card and Amazon Prime Store Card are primarily for use on Amazon.com and at Amazon-branded physical stores. The Amazon Prime Visa and Amazon Visa, issued by Chase, can be used anywhere Visa is accepted. The Amazon Business Prime American Express Card and Amazon Business American Express Card are designed for business operators and can be used anywhere American Express is accepted.
Amazon Credit Card Types and Where You Can Use Them
Amazon offers four types of credit cards: the Amazon Store Card, Amazon Prime Store Card, Amazon Prime Visa, and Amazon Business American Express Card.
Amazon Store Card and Amazon Prime Store Card
These cards are designed for use on Amazon.com, Amazon Business, AWS, Amazon Go, and for Amazon Prime memberships. They are also accepted at Amazon-branded physical stores and at merchant sites that accept payments through Amazon Pay. However, they cannot be used for certain purchases on Amazon.com such as rentals, digital subscriptions, and purchases on Amazon subsidiaries (excluding Audible).
Amazon Prime Visa and Amazon Visa
Issued by Chase, these cards are accepted anywhere Visa is accepted. They offer rewards at Amazon.com, Amazon Fresh, Whole Foods Market, restaurants, drugstores, and gas stations.
Amazon Business Prime American Express Card and Amazon Business American Express Card
These cards are designed for business operators and can be used anywhere American Express is accepted.
Exclusive Features and Benefits
Every Amazon Credit Card comes with a host of exclusive benefits. You can earn up to 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership. The card also offers 2% back at gas stations, restaurants, and on local transit and commuting, and 1% back on all other purchases.
New cardholders receive a welcome bonus in the form of an Amazon Gift Card instantly upon approval. The value of the gift card can vary, but it’s typically around $100 for Prime members.
International Usage and Travel
Amazon Credit Cards, specifically the Prime Visa and Amazon Visa, can be used for international purchases and travel. They do not charge any foreign transaction fees, making them suitable for international use. However, rewards may not be earned on purchases made at international Amazon retail sites or at international Whole Foods Markets.
Security Features
Amazon Credit Cards come with several security features to protect cardholders during transactions. These features include $0 fraud liability and state-of-the-art encryption for users’ personal information during transmission. Cardholders can also use RFID-blocking sleeves or wallets to protect their cards from electronic theft.
Maximizing Your Amazon Credit Card
To maximize your Amazon Credit Card, consider using it for all your Amazon purchases to take advantage of the high cash back rate. Also, keep an eye out for special cash-back rates on select items for Amazon credit card holders.
In conclusion, Amazon Credit Cards offer a range of benefits that can be beneficial for frequent Amazon shoppers. However, where you can use these cards depends on the type of card you own. By understanding the benefits and restrictions of each card, you can choose the one that best fits your shopping habits and maximize your rewards.
Frequently Asked Questions
What is the difference between the Amazon Store Card and the Amazon Prime Store Card?
The primary difference between the Amazon Store Card and the Amazon Prime Store Card is that the latter is linked to an Amazon Prime membership and offers 5% cash back on Amazon.com purchases. On the other hand, the Amazon Store Card does not require an Amazon Prime membership and does not offer the 5% cash back benefit.
Can I use my Amazon Credit Card to buy Kindle books?
Yes, you can use your Amazon Credit Card to purchase Kindle books on Amazon.com. However, digital subscriptions, such as Kindle Unlimited, may not be eligible for purchase with these cards.
How do I apply for an Amazon Credit Card?
You can apply for an Amazon Credit Card online through Amazon’s website or the Chase website (for the Amazon Visa cards). You will need to provide personal information, including your income, and undergo a credit check.
Can I use my Amazon Credit Card at non-Amazon businesses?
Yes, if you have the Amazon Prime Visa or the Amazon Business American Express Card, you can use these cards anywhere Visa or American Express is accepted, respectively.
Can I use my Amazon Credit Card immediately after approval?
Yes, once your application is approved, Amazon typically provides an “Instant Spend” amount that can be used immediately for purchases on Amazon.com. The physical card will be mailed to you and may take up to two weeks to arrive.
What happens if my Amazon Credit Card is lost or stolen?
If your Amazon Credit Card is lost or stolen, you should immediately contact the card issuer (Synchrony Bank for the Store Cards, Chase for the Visa Cards, or American Express for the Business Cards) to report the loss and request a replacement.
