What credit score does Amazon Prime card use?
For the Amazon Rewards Visa Signature Card® and the Amazon Prime Rewards Visa Signature Card®, you'll need a good FICO credit score (670-739). The rewards and cashback on these cards also depend on whether you are an Amazon Prime member or not.
For the Amazon Rewards Visa Signature Card® and the Amazon Prime Rewards Visa Signature Card®, you'll need a good FICO credit score (670-739). The rewards and cashback on these cards also depend on whether you are an Amazon Prime member or not.
Recommended credit score
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669).
The Amazon Credit Card and the Prime Visa are fairly hard to get because you need at least good credit (a 700+ credit score) to have good approval odds. The Amazon Store Credit Card and the Amazon Secured Credit Card are much easier to get.
When you apply for an Amazon Rewards card through Chase, the lender conducts a credit check, also known as a hard inquiry. Unlike soft inquiries, such as viewing your own credit report, which doesn't affect your credit score, hard inquiries usually cause your credit score to drop slightly.
The Prime Visa credit limit is $500. Everyone who gets approved for Prime Visa is guaranteed a credit limit of $500 no matter how creditworthy they are. If you are looking for a higher credit limit than $500, you should apply for a credit card from a different issuer.
Subprime (credit scores of 580-619) Near-prime (credit scores of 620-659) Prime (credit scores of 660-719) Super-prime (credit scores of 720 or above)
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
You may be instantly approved for the Amazon Credit Card, if you're a clear match for the card's approval requirements. Otherwise, it could take as long as two to four weeks to receive a decision on your application. The same goes for the Amazon Store Card, too.
The Amazon Secured Card is built for people who are new to credit, or who would like to rebuild their credit. This card has no annual fee, can be used at Amazon.com and Amazon physical stores, and your payment activity is reported to major credit bureaus to help you build a credit history.
Does the Amazon card hurt your credit?
Applying for the card will drop your score a bit, regardless of whether you're approved or denied. This is easy to bounce back from after a few months of responsible use. The Amazon Store Card's issuer will report your payment status to the credit bureaus on a monthly basis.
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.
Chip Lupo, Credit Card Writer
You can also wait to see if you receive an automatic credit limit increase. This may happen as often as every six to 12 months. Keep in mind that your chances of getting a credit limit increase are best if you've made the last six consecutive payments for the account on time.
For the Prime Visa, you'll likely need a good credit score (670 or above) to qualify.
The best store credit card you can get with a 600 credit score is the Amazon Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.
Credit score requirement: You can qualify for the Target Circle™ Credit Card with good to excellent credit, generally defined as a credit score of 690 or better. As with all credit cards, though, credit scores alone are not enough for approval. The issuer will consider your income and other factors.
The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.
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To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.
It's exceedingly rare for anyone to have a credit score over 900, as most credit scoring models have a maximum limit of 850, and even achieving that score is uncommon.
What is a Tier 2 credit score?
Tier 1: 800 – 850. Tier 2: 799 – 670. Tier 3: 669 – 300. Tier 4: beginning score of 300.
- Below 580: poor.
- 580 to 669: fair.
- 670 to 739: good.
- 740 to 799: very good.
- 800 and above: exceptional.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back. Cardholders can also earn an initial bonus of $200 cash rewards after spending $500...
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.
