The Amazon Mastercard Credit Card is a convenient payment option for frequent Amazon shoppers.
It offers cashback rewards, exclusive discounts, and seamless integration with Amazon purchases.
This guide will explain how to order the card online, its features, fees, and more.
Features and Benefits
The Amazon Mastercard Credit Card provides multiple benefits, making it a valuable choice for online shoppers. Here’s what you can expect:
- Cashback Rewards – Earn cashback on Amazon purchases and other eligible transactions.
- Exclusive Discounts – Enjoy special promotions and limited-time offers on Amazon.
- Security Features – Benefit from fraud protection and advanced security measures.
- Seamless Integration – Link your card to your Amazon account for easy payments.
- No Foreign Transaction Fees – Use your card for international purchases without extra charges (if applicable).
Interest Rates and Fees
Before applying for this card, it’s essential to understand its interest rates and associated fees.
These charges can affect how much you pay over time if you carry a balance or make late payments. Here’s a detailed breakdown:
Interest Rates (APR – Annual Percentage Rate)
- Purchase APR: Typically ranges from 14.99% to 26.99%, depending on creditworthiness.
- Cash Advance APR: Usually around 27.99%, charged from the transaction date.
- Penalty APR: This can go up to 29.99% if payments are late or returned.
Annual and Transaction Fees
- Annual Fee: This may be $0 or up to $99, depending on the card type.
- Foreign Transaction Fee: Often 0%, meaning no extra charges for international purchases.
- Cash Advance Fee: 5% of the amount advanced or $10, whichever is higher.
- Balance Transfer Fee: Usually 3-5% of the transferred amount, with a minimum of $5.
Late and Penalty Fees
- Late Payment Fee: This can be up to $40, depending on the balance.
- Returned Payment Fee: Typically, up to $40 if a payment is declined.
Grace Period
- Interest-Free Period: Around 21-25 days if the balance is paid in full each month.
- No Interest on New Purchases: If you pay your statement balance by the due date.
Minimum Payment Requirement
- Generally, the balance should be greater than $25 or 1% of the balance, plus interest and fees.
Requirements for Ordering Online
You must meet specific requirements to apply. Ensure you have the following:
- Age Requirement – Must be at least 18 years old (or as per your country’s regulations).
- Residency Status – Typically available for residents of eligible countries.
- Credit Score – A good credit score increases the chances of approval.
- Identification Documents – A government-issued ID and proof of address may be required.
- Amazon Account – You need an active Amazon account to apply.
Step-by-Step Guide to Ordering Online
Applying for the Amazon Mastercard Credit Card online is a simple process. Follow these steps:
- Visit the Official Website – Go to Amazon’s credit card section or the issuing bank’s site.
- Find the Application Page – Click on the Amazon Mastercard Credit Card option.
- Click “Apply Now” – Sign in to your Amazon account if required.
- Fill Out the Application Form – Provide your personal, financial, and employment details.
- Review and Submit – Check your details and apply for review.
Application Review and Approval Process
After submitting your application, it goes through a review process. Here’s what happens next:
- Credit Check – The issuer evaluates your credit history and financial details.
- Processing Time – Approval can take minutes or a few days, depending on the review process.
- Possible Outcomes – You may receive an instant decision, a request for more documents, or a rejection.
- Checking Status – Use the online portal or contact customer support to track your application.
Card Activation and First-Time Use
Once approved, you must activate your Amazon Mastercard Credit Card before using it. Follow these steps:
- Receive the Card – The card is mailed to your registered address.
- Activate Online or by Phone – Follow the activation instructions provided.
- Set Up Online Account – Register your card with the issuer for easy management.
- Start Using the Card – Make your first purchase and earn rewards instantly.
How to Use the Card Effectively
Maximizing the benefits of your card requires smart usage. Here’s how you can make the most of it:
- Use for Amazon Purchases – Earn the highest cashback on eligible Amazon transactions.
- Pay Bills on Time – Avoid interest charges and maintain a good credit score.
- Monitor Spending – Track expenses using the card issuer’s online tools.
- Utilize Special Offers – Take advantage of promotions exclusive to cardholders.
- Avoid Carrying a Balance – Paying fully helps you avoid unnecessary interest fees.
Security and Fraud Protection
The card includes features to protect your transactions. Here’s how it keeps you secure:
- Fraud Monitoring – Transactions are continuously monitored for suspicious activity.
- Zero Liability Protection – You’re not responsible for unauthorized charges.
- Instant Alerts – Receive notifications for purchases and unusual transactions.
- Secure Online Payments – Encryption technology ensures safe transactions.
- Lost or Stolen Card Support – Report issues immediately to freeze your card.
Frequently Asked Questions (FAQs)
Before applying, check these common questions about the Amazon Mastercard Credit Card:
- What is the credit limit? – The limit varies based on your creditworthiness.
- Can I increase my limit? – Yes, by requesting an increase after consistent payments.
- How do I redeem cashback rewards? – Rewards can be applied to Amazon purchases or statement credits.
- Is the card accepted outside Amazon? – Yes, it can be used anywhere Mastercard is accepted.
- What happens if I miss a payment? – Late fees apply, and it may impact your credit score.
How to Contact Customer Support
If you need assistance with your Amazon Mastercard Credit Card, there are several ways to contact customer support. Here’s how you can reach them:
- Amazon Rewards Visa Signature Card (Chase Bank): Call 1-888-247-4080 for inquiries about your Amazon Rewards Visa.
- Amazon.com Store Card (Synchrony Bank): Dial 1-866-634-8379 for support regarding your Amazon Store Card.
- General Amazon Customer Service: For other Amazon-related questions, call 1-888-280-4331.
The Bottomline
The Amazon Mastercard Credit Card is an excellent choice for frequent Amazon shoppers.
It offers cashback, security features, and exclusive perks. Ordering online is simple; once approved, you can start enjoying the benefits immediately.
If this card fits your spending habits, applying could be a smart financial move.
Disclaimer
The information provided in this article is for general informational purposes only and may be subject to change by Amazon or the card issuer.
Always check the official Amazon or issuing bank’s website for the most up-to-date terms, rates, and contact details.
