amazon credit secured card reviews - Brave Search

Thoughts on Synchrony Bank Amazon Secured Card?

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So for a year, use most of your credit line. This is to convince the bank that you actually do need more credit. Pay it off in full every month. Always do this. After that year, if they don't raise your limit, it doesn't matter. You'll have built up your credit score enough to apply for a normal unsecured credit card. You might want to do this anyway, get one that gives points or cash back. That second card, and subsequent ones, will have higher credit limits. At that point, you do not have to use the whole credit line. In fact, you shouldn't. For your credit score to improve now, you'll want to keep your utilization low. 10, maybe up to 30 percent is fine. Again, never charge more than you can pay off immediately. Pay the full statement balance every month, without fail. Answer from katmndoo on reddit.com

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Amazon.com: Amazon Secured Card

Amazon and Synchrony Bank use customer reviews about the Store Card and Secured Card to improve customer experience and address complaints, and cardholders posting reviews may be identified to Synchrony Bank for this purpose. For more information on how information about you is used and shared by Amazon, please see the Amazon.com Privacy Notice. For more information about customer reviews, please see Understanding Customer Reviews and Ratings. If you have more questions, visit the Amazon Credit Cards help center.

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Amazon Secured Credit Card Reviews: Is It Worth It? (2025)

Amazon Secured Credit Card

Reviews, rates, fees, and rewards details for The Amazon Secured Credit Card. Compare to other cards and apply online in seconds

Rating: 3.3

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People also ask

What credit score do I need to get approved?

There is no minimum credit score requirement for opening the Amazon Prime Secured Card, making this a great option if you have limited or bad credit history. Your deposit functions as your credit line, needing a minimum deposit of only $100.

bankrate.com › credit cards › reviews › amazon prime secured

Amazon Prime Secured Card Review: Build Credit While You Earn 2 ...

Does upgrading to the Amazon Store Card count as a new application?

No. After 12 months, Amazon will notify you if you are eligible to upgrade to the Store Card. If you decide to upgrade, you will no longer have access to the Secured Card features, rates and fees.

bankrate.com › credit cards › reviews › amazon prime secured

Amazon Prime Secured Card Review: Build Credit While You Earn 2 ...

How do I get my deposit back?

If your account is closed, Synchrony Bank will return your deposit funds minus any amount needed to pay off existing balances. If you upgrade to the Store Card, your deposit will be returned to you minus the amount needed to pay off any existing non-promotional balance on the Secured Card features, expiring (within two months) deferred interest promotional balances and required payments due on Equal Monthly Payment balances, and any remaining minimum payments due on the account.

bankrate.com › credit cards › reviews › amazon prime secured

Amazon Prime Secured Card Review: Build Credit While You Earn 2 ...

joinkudos.com › blog › amazon-secured-card-review

Amazon Secured Card Review: Prime Perks vs Credit Building

Its lack of annual fee and potential for rewards make it stand out in the secured card market. However, its high APR and limited use outside of Amazon may be drawbacks for some users.

bankrate.com › credit cards › reviews › amazon prime secured

Amazon Prime Secured Card Review: Build Credit While You Earn 2 Percent Back At Amazon | Bankrate

September 26, 2025 - Consider the Amazon Prime Secured Card if you want to build credit and earn 2 percent back when you shop online. The best part? There's no annual fee.

CreditCards.com

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Amazon Prime Secured Card Review - CreditCards.com

Amazon Prime Secured Card review

Make sure to consider all the card ... a new credit card, including other secured cards from Discover, Visa and Mastercard. Although expensive, a Prime membership can make this secured card relatively rewarding while you reap benefits like free two-day shipping. For regular Amazon customers who are already Prime members the card is a no-brainer, but don’t open up a Prime membership specifically for this card because it does have its shortcomings. All reviews are prepared ... The Amazon Prime Secured Card lets users earn rewards and build credit while they shop online. Specifically, cardholders

Rating: 3.3

bankrate.com › credit cards › reviews

Amazon Prime Secured Card Benefits Guide | Bankrate

August 21, 2025 - The Amazon Prime Secured Card is for people with bad credit or no credit who want to improve their score over time, and it comes with a few unique benefits.

reddit.com › r/creditcards › thoughts on synchrony bank amazon secured card?

r/CreditCards on Reddit: Thoughts on Synchrony Bank Amazon Secured Card?

February 6, 2024 -

This was 1 of the cards I signed up for a few months ago to build my credit and I kinda regret it.

I need to wait a year for it to potentially graduate and I only put $200 on it. So I could be wrong but from what I've read if I graduate to their regular Amazon Store Card they'll keep me at the same $200 CL. I also think the Amazon Prime Chase Card seems way better.

Anybody have experience with this card?

So for a year, use most of your credit line. This is to convince the bank that you actually do need more credit. Pay it off in full every month. Always do this. After that year, if they don't raise your limit, it doesn't matter. You'll have built up your credit score enough to apply for a normal unsecured credit card. You might want to do this anyway, get one that gives points or cash back. That second card, and subsequent ones, will have higher credit limits. At that point, you do not have to use the whole credit line. In fact, you shouldn't. For your credit score to improve now, you'll want to keep your utilization low. 10, maybe up to 30 percent is fine. Again, never charge more than you can pay off immediately. Pay the full statement balance every month, without fail.

It’s fine for what it is. A tool to build a credit history. Ultimately, you’re going to grow out of it. I personally wouldn’t graduate to the Store Card if you are eligible for the Prime Chase. Are you particularly using this for the Amazon benefits or do you have a particular goal/need in mind beyond building a history?

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It works well to build credit but can be hard to get approved. I got denied for the unsecured card numerous times and got lucky enough to qualify for this secured one. I wouldn't recommend getting this card as your first card as you'll likely be denied. Having a lot of inquiries can also make ...

reddit.com › r/creditcards › anyone have the amazon secured card?

r/CreditCards on Reddit: Anyone have the Amazon Secured Card?

October 29, 2022 -

I am interested in getting this in addition to my Discover Secured Card. I spend a ton on Amazon so it seems like a no Brainerd for the cash back. Would anyone recommend this card? The only downside is that it's attached to Sychrony Bank which people seem to dislike.

Do not get 2 secured cards.

I take it you’re new to credit? Or are you rebuilding? If you’re new to credit, use the Discover card for 6 months, wait for a FICO score to generate and then apply for the unsecured Amazon store card. If you wait a year instead, then apply for the Chase amazon prime card. I say this because I’m not sure on when/if the secured Amazon card will graduate to an unsecured card. Your money may be tied up for quite a while, but if you just wait a bit to apply you can start with an unsecured card from Amazon.

lendingtree.com › credit-cards › review › amazon-secured

Amazon Secured Card – Credit-Building Tools Plus Amazon Perks | LendingTree

September 14, 2022 - The Amazon Secured Card offers excellent credit-building features, like free credit score access, regular account reviews and credit reporting to the three major credit bureaus (Experian, Equifax and TransUnion).

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Prime Secured Credit Card Review | TikTok

2 weeks ago - Amazon secured credit card benefits, credit building with Amazon, how to build credit using secured cards, Amazon credit card approval tips, secured vs unsecured credit cards, credit repair strategies for beginners, financial tips for improving credit, benefits of secured credit cards, Amazon Store Credit Card insights, easy ways to build credit history ... Here is why that secured credit cRd was a waste of money, time and didnt improve your credit score.

ficoforums.myfico.com › t5 › Credit-Cards › Should-I-cancel-my-Synchrony-Bank-Amazon-Secured-Card › td-p › 6721955

Should I cancel my Synchrony Bank Amazon Secured Card?

November 21, 2023 - I'm into my 2nd month building up my credit from no credit. The problem is, this Amazon Secured Card continues to report balances on literally every purchase I make. It's happening all throughout the month and it isn't stopping. I even spoke with someone in executive resolutions from the Synchrony Bank President's office who apologized to me and said it shouldn't be happening.

forbes.com › advisor › credit cards

Amazon Secured Card Review 2025 – Forbes Advisor

3 weeks ago - Additionally, the minimum credit score and other required factors may vary if you are considering a different card from this list. If you have a lower credit score and are still interested in an Amazon credit card, consider the Prime Store Card* or Amazon Prime Secured Card*.

creditkarma.com › credit cards › insights › amazon secured card

Amazon Secured Card | Intuit Credit Karma

January 16, 2025 - Interested in the Amazon Secured Card? Read reviews and see cardholder data, including average credit limits and credit scores.

nerdwallet.com › credit-cards › learn › amazon-store-card-secured-credit-builder-synchrony

5 Things to Know About the Amazon Secured Card - NerdWallet

June 10, 2019 - However, these factors do not influence ... Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners. If you're an Amazon Prime member looking to build your credit, the Amazon Secured Card can be a solid option....

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Amazon Secured Card Reviews | TikTok

August 11, 2025 - Will it be worth outting in your wallet? #creatorsearchinsights #amazon #creditcard #creditrepair #financetiktok #review ... Amazon Secured Card is for those with bad credit or no credit.

reddit.com › r/creditcards › amazon secured card vs store card

r/CreditCards on Reddit: Amazon Secured Card vs Store Card

December 8, 2022 -

Got an email from amazon(posted below). I am having a hard time seeing the difference between the cards besides the no security deposit and 5% back instead of 2%. Higher APR and higher late fee. Is this the next step I should be taking or should I build my credit more with the secured card? Any advice is greatly appreciated, thanks!

You've taken great steps towards building your credit and you're now eligible to activate the Store Card features of your Amazon Secured Card or Amazon Prime Secured Card! Activating the Store Card features will not result in a hard inquiry on your credit report. Before you decide, please review this table.

Secured Card features (current)

Security deposit: Yes

Prime rewards: 2% back on Amazon purchases
Annual fee: $0
APR: 10% Non-Variable
Late fee: Up to $5

Store Card features

Security deposit: No

Prime rewards: 5% back on Amazon purchases
Annual fee: $0
APR: 28.99% Variable
Late fee: Up to $38

It sounds like the Amazon Store Card is an unsecured credit card, meaning you won't have to put down a security deposit in order to open the card. This is different from the Amazon Secured Card, which requires a security deposit. The Store Card also offers a higher rewards rate for Amazon purchases, giving you 5% back compared to the 2% back offered by the Secured Card. However, the Store Card also has a higher APR (annual percentage rate), which is the interest rate you will be charged on any unpaid balances. The Store Card also has a higher late fee, which is the penalty you will be charged if you make a payment after the due date. Overall, it seems like the Store Card is a good option if you are looking to upgrade from your Secured Card and don't want to put down a security deposit. However, you should carefully consider the higher APR and late fee before deciding whether to upgrade. It may be worth building your credit further with the Secured Card before making the switch.

APR and late fees shouldn’t matter if you are paying in full and also trying to maintain a positive history for credit building. Late fee cost should literally not matter at all. Also, one should be paying in full unless you’re taking advantage of a 0% APR promo (the Amazon card offers this for larger purchases), so APR shouldn’t matter either. I would personally take the unsecured card and get my money back from the security deposit. Graduating a secured card to an unsecured card is a good thing.

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Amazon.com: Secured Card Credit Education: Credit & Payment Cards

Get a clear view of where your credit stands and what habits have affected it—positively or negatively. Your opinion matters! Help us improve your Amazon Secured Card experience. Click Here to leave your review.

ficoforums.myfico.com › t5 › Credit-Cards › Any-reason-to-keep-an-Amazon-Secured-Card › td-p › 6721301

Any reason to keep an Amazon Secured Card? - myFICO® Forums - 6721301

November 17, 2023 - Browse credit cards from a variety of issuers to see if there's a better card for you. ... I opened an Amazon secured card back in February with $300 and used it for awhile. Then I tried to close it but a forgotten charge from months prior (from something I thought I'd returned but apparently didn't) hit a day or two after I got off the phone with the rep who closed it.