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
WalletHub
wallethub.com › d › amazon-com-secured-credit-card-3247c
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
Amazon
amazon.com › Synchrony-Bank-Amazon-com-Secured-Store › dp › B084KP3NG6
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.
Videos
03:43
Review of Amazon Secured Credit Card - YouTube
07:06
Amazon Store Card Credit Builder (Secured) Review - YouTube
11:57
Amazon Secured Card - Amazon Secured Store Credit Card Review - ...
10:02
Amazon Secured Card Review - YouTube
08:14
Amazon Credit Cards - Prime Visa, Amazon Store Card, Amazon Secured ...
00:28
Amazon Secured Store Credit Card 💥💳 #creditcard #badcredit ...
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
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
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
bankrate.com › credit cards › reviews › amazon prime secured
Amazon Prime Secured Card Review: Build Credit While You Earn 2 ...
Join Kudos
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
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
creditcards.com › reviews › credit building credit card reviews › amazon prime secured card review
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
Reddit
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?
Top answer 1 of 6
6
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.
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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?
Bankrate
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.
Amazon
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Amazon
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 ...
NerdWallet
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....
LendingTree
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).
myFICO
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 Advisor
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*.
Reddit
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.
Top answer 1 of 4
2
Do not get 2 secured cards.
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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.
TikTok
tiktok.com › discover › prime-secured-credit-card-review
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.
Credit Karma
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.
Amazon
amazon.com › gp › help › customer › display.html
Amazon Secured Card Security Deposit - Amazon Customer Service
existing non-promotional balance on the Secured Card features · expiring (within 2 months) deferred interest promotional balances and required payments due on Equal Monthly Payment balances · remaining minimum payments due on the account if not covered by 1 and 2 · The security deposit does not cover your monthly payments. You must still pay at least your minimum payment due on time each month. Your credit line will be equal to the amount of the security deposit you provide.
Amazon
amazon.com › b
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.
Reddit
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
Top answer 1 of 5
3
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.
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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.
myFICO
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.