Anyone fond of online shopping especially at Amazon will have the time of their lives now that they are offering an Amazon credit card. What many people probably don’t know is that Amazon has different credit cards that will fit the kind of customer you are. If you want to have more rewards, there’s always a credit card for you, and others who want to benefit from spending more can expect to have better benefits.
Credit cards being offered by Amazon are most often used within the platform but they can also be used anywhere else. Take note that most of these credit cards are very versatile and can take care of your needs.
If you’re interested in getting an Amazon credit card, read down below to learn more about how to apply for an Amazon credit card.
Choose an Amazon Credit Card
Shopping at Amazon is a very rewarding experience and what better way to make it even more rewarding is when you have an Amazon credit card?
Choosing the right Amazon credit card is important as it will help you get more out of your card.
These credit cards include the Amazon Store Card where you get great cash back, the Amazon Prime Rewards Visa Signature card offers no spending caps and is loaded with so many perks and benefits, and the Amazon Secured Card if you’re looking to build your credit back again.
The Amazon Business Prime American Express card is great for those who have an Amazon business and is only available if you have a registered business.
Eligibility Requirements
To apply for an Amazon credit card, Amazon requires you to have the following eligibility requirements. Amazon uses a third-party financial institution for background checks and it does not guarantee that you will get approved.
Amazon also requires applicants to have no bankruptcies or any recent criminal or delinquent records. Alongside those requirements, you are also required to be 18 years old and above and must have a Social Security number.
You also must not have applied in the past 90 days. Amazon might require other documents such as proof of identity, proof of residency, and proof of income during the application process so make sure that you have them prepared.
Check Out the Application Process
Now that you have chosen your credit card and you have prepared your requirements, it is time to proceed in applying for your Amazon credit card.
Head over to the official Amazon website and choose the card that you want. Click Apply Now on the card page and you will be redirected to another page where you need to fill up the application.
Make sure that you fill up all the information as accurately as possible to avoid delaying your approval. You will be asked to fill up your name, physical address, email address, phone number, and many other details.
You are also required to provide your annual net income and many other details regarding your finances. The last page will have the terms and conditions so be sure to review it as well.
What Happens After?
When you’re done, click on Submit and the application will be sent for processing. Make sure that you did not leave any fields blank.
Submitting an incomplete or inaccurate application can take a lot of time for processing which means that you may or may not be approved for the card. Always double-check the information before you submit it. You can apply and wait to receive your notification.
Your card will be sent to your mail address within 7 to 10 business days once you’re approved. If you are not approved, you will receive a prompt from the bank within 4 weeks.
How to Get Approved Faster
While you may not have complete control over how fast you can be approved, there are still things that you can do to increase your odds of getting approved faster.
The first thing that you can do is to check your credit score and apply for cards that you’re qualified for within your credit score.
Before you apply, make sure that you have also paid your remaining credit balances if you have other credit cards. You should also list down all available income on your application as this will delay the application process.
Make sure that you also follow up on your application if you have not received any notification within a week of your application. You can contact them at 1-866-634-8379 available 24 hours a day.
What to Do If Your Application is Declined?
Certain things can happen why your application got declined. You may not be able to control their decision but what you do next will help you get approved faster in your next attempt.
Try to work on improving your credit score and give it time before you re-apply.
If you have made a mistake with the information that you sent during the application, make sure that next time you clarify things first before submitting.
Is It Worth Getting an Amazon Credit Card?
Amazon is a behemoth when it comes to online shopping. Many people will always try to find a way to get bonuses out of shopping online.
This is why Amazon is offering different kinds of credit cards for users to take advantage of. With so many credit cards having different benefits, it is always worth getting an Amazon credit card especially if you are fond of shopping on the online platform.
Many of the cards include no annual fees or even foreign transaction fees depending on the card. Many cards also offer cash back in rewards when used at the Amazon website during checkout and many other benefits.
Where to Contact
If you have further inquiries, you can always call their customer service number at 1-888-280-4331. You will be directed to a customer service representative who will discuss your options for a resolution.
You may also visit their main office at 410 Terry Ave N, Seattle 98109, WA.
Conclusion
Getting an Amazon credit card makes a lot of sense especially if you often shop at Amazon. The amount of incentives you get to enjoy when you have any of these cards is very worthwhile. Go ahead and choose which Amazon credit card fits you today!
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.