Q&A: What credit score do you need for an Amazon credit card?

Updated on January 8, 2024

Question: What credit score do you need for an Amazon credit card?

Answer: Amazon offers a couple of credit card options, and the credit score requirements can vary a bit based on which card you’re eyeing.

Starting with the Amazon Store Card, this one’s mainly for shopping on Amazon.com. From what many folks have shared, you might get approved with a credit score in the fair range, often starting around the mid-600s. But, of course, a higher score might snag you better terms or a more generous credit limit.

Then there’s the Amazon Prime Rewards Visa Signature Card. This one’s a bit more versatile since you can use it anywhere Visa cards are accepted. It’s a bit pickier, typically wanting a good to excellent credit score, often somewhere in the 700s or even higher. It comes with some extra perks, especially if you’re an Amazon Prime member, so it’s a tad more selective about who gets approved.

There’s also the Amazon Business American Express Card for the business-savvy folks. This one’s tailored for business owners, and its requirements can be a bit different. While your personal credit score plays a role, they’ll also peek at the financial health and history of your business.

Remember, while your credit score is a big piece of the puzzle, it’s not the only thing they look at. Your overall financial picture, income, job status, and past credit behavior also come into play. And a pro tip: before diving in, maybe take a quick look at your credit report. Make sure everything’s on the up and up and get a feel for where you stand. Every application results in a hard inquiry on your credit report, which can give your score a tiny dip, so it’s smart to apply when you’re feeling pretty confident about your chances.

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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