The Amazon Mastercard Card offers a powerful tool for frequent online shoppers who want to maximize rewards with convenience and simplicity.
In this guide, you’ll learn about the Amazon Mastercard Card’s key features, main benefits, interest rates, unique advantages, eligibility criteria, contact details, and a step‑by‑step application process.
You’ll see why this card stands out and how to decide if it fits your financial goals. Let’s dive straight into the essentials.
Main Features, Benefits, and Perks
The Amazon Mastercard Card delivers impressive rewards on Amazon and everyday spending, with global acceptance and no annual fee.
The rewards structure is easy to understand and valuable, whether you shop on Amazon regularly or occasionally.
Rewards on Amazon and Everyday Spending
Prime members get the highest 3 % back rate on Amazon, Amazon Fresh, Whole Foods, and Chase Travel bookings. If you’re not a Prime member, the card still gives 2% back in those categories.
All other purchases earn 1 % back under Mastercard’s base rate. These rewards are credited automatically and can be redeemed as statement credits or deposited into a Chase checking account.
No Annual Fee With Prime-Related Cost
There’s no annual fee for the Amazon Mastercard Card itself, but earning top rewards requires an Amazon Prime membership, which costs $139 per year.
The card’s higher rewards on Amazon spending may offset that cost if you’re already a Prime member. Even without Prime, everyday benefits still apply.
Purchase and Travel Protections
Amazon Mastercard includes purchase protections such as extended warranty and damage coverage.
It also offers travel protections like rental car insurance, baggage delay reimbursement, and travel accident protection. These perks add practical value and peace of mind with minimal extra cost to cardholders.
Interest Rates and Other Charges
Understanding rate and fee structures is essential before applying and using them. The card’s APR ranges from 19.49 % to 28.24 % variable, determined by creditworthiness.
There is no annual fee beyond Prime membership requirements. There are no foreign transaction fees, making it a reasonable option for travel use.
Standard fees may apply for late payments or cash advances per Chase and Mastercard policies.
Cash Advance Fees and Charges
Cash advances come with an APR and may incur transaction fees aligned with Chase standards. These amounts tend to be expensive and should be used only for emergencies.
The APR on those transactions matches the regular purchase APR, so avoiding cash advances is advised whenever possible.
Late Fees and Other Penalties
Late payments may trigger penalties, typically up to $40, depending on state‑mandated limits. Making payments on time or setting up auto‑pay can help avoid such fees.
Overlimit fees have largely been phased out, but regularly monitoring your balance ensures you don’t exceed your credit limit.
No Foreign Transaction Fee
The absence of foreign transaction fees makes the card a convenient option for international travel or online purchases from merchants abroad. This benefit applies to any purchase made outside the United States.
When used on trips, cardholders can benefit from travel protections and consistent reward accrual. It’s a strong feature rarely offered without an annual fee.
What Makes It Unique and Why Apply
The Amazon Mastercard Card combines compelling rewards, global utility, and Amazon‑centric perks in one package.
Global acceptance via Mastercard and solid travel protections enhance its versatility. Its connection to Amazon’s ecosystem makes it a top choice for frequent Amazon customers or those planning to maximize value from other spending.
Great Value for Amazon Shoppers
The 3 % back rate for Prime users makes the card especially lucrative for recurring Amazon purchases.
Even if you shop infrequently, the card still earns valuable rewards. Daily essentials and recurring costs won’t go unrewarded when used at grocery stores, restaurants, or transit.
Over time, the accumulation of earned value adds up and offsets holding the card.
Strong Support and Coverage
The Amazon Mastercard Card is backed by Chase and Mastercard, two highly trusted financial brands. Around-the-clock customer support is available online or via call centers.
Comprehensive security services, such as zero liability protection and fraud monitoring, further enhance the card. The travel protections also provide tangible safety nets during trips.
Eligibility Requirements
Applying requires meeting basic eligibility standards set by Chase. You must be at least 18 years old and a U.S. resident with a valid Social Security number.
A satisfactory credit history improves chances of approval and a lower APR. You must also have an Amazon account, and high rewards require an active Prime subscription.
Approval remains subject to acceptance criteria like income, debt, and credit score.
Credit and Identity Criteria
Chase typically approves applicants with good to excellent credit scores—around 670 or higher. You’ll need to provide personal identification, Social Security number, and income information during the application.
A clean credit history free of recent delinquencies improves the likelihood of acceptance. The process also includes fraud and security checks.
Amazon and Prime Membership
You need an Amazon account to apply, and having an active Prime membership unlocks better reward rates. If you’re not already a Prime member, you can enroll.
However, the card is still available to all Amazon account holders and functions well at lower reward tiers. The Prime membership requirement does not block approval but limits earning potential.
Contact Details
If you need support or help, both Chase and Amazon maintain customer service centers. For general account issues or questions, call the number on the back of your card or 1‑800‑432‑3117 and enter your 16‑digit account number to reach a live agent.
You can also chat or get help through Chase’s online portal. Mastercard, headquartered in Purchase, NY, handles global network issues and security inquiries.
How to Apply
Applying for the Amazon Mastercard Card is a quick and straightforward online process.
Begin by opening the Chase Amazon credit card page and signing in to your Amazon account.
Complete Chase’s short application form, including personal and income information. Review and submit your application—you’ll often receive an instant decision.
Verifying Personal Details
After submission, Chase uses automated systems to verify identity and evaluate creditworthiness.
You may be asked for extra documentation if necessary. A soft pull is used for pre‑qualification checks and won’t affect your credit score. Approval opens the door to card activation and use.
Activating and Using Your Card
Once approved, your Amazon Mastercard arrives by mail in about one to two weeks. Sign the back and activate it via the Chase website or mobile app.
The card becomes active and ready for purchases, and rewards begin accumulating immediately. You can begin using it online, in apps, or via tap-to-pay in physical stores.
Managing Accounts and Benefits
Use Chase’s online portal or app to track spending, view statements, manage auto‑pay, and redeem rewards. The portal also allows you to adjust settings, report lost cards, and access support.
You’ll see rewards balances and can choose redemption options. Regular reviews can help you optimize usage and minimize fees.
Additional Tips for Cardholders
To maximize value, align your spending strategy with top reward categories. Always pay your balance in full or on time to avoid interest charges.
Combine card usage with Amazon Prime benefits to boost overall savings. Regularly check for special promotions or bonus offers through Chase or Amazon to amplify returns.
Smart Redemption Practices
Redeeming your points at checkout on Amazon offers seamless value, but you can also receive statement credits or transfer to a linked checking account.
Explore travel statement credits or gift card options for flexibility. Compare redemption values to ensure you’re getting full worth before redeeming points.
Conclusion
The Amazon Mastercard Card delivers strong rewards tailored to Amazon shoppers, with 3 % back for Prime members on Amazon, Fresh, and Whole Foods purchases, and global acceptance without fees.
If you’re seeking a card that rewards online shopping while offering practical protections and global utility, the Amazon Mastercard Card is an excellent choice worth considering.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
