Does Amazon Store Card Do a Hard Pull? (2024)

FAQs

Is Amazon Store Card a soft pull? ›

Yes, the Amazon Store Card will do a hard pull, also known as a hard inquiry, which may cause your credit score to temporarily go down a few points. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.

Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.

An Amazon Store Card credit limit increase will result in a hard pull on your credit when you request it, and in a soft pull when the issuer reviews your account and offers an increase without you requesting one.

The Amazon.com Store Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.

The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).

Amazon.com Store Card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian.

Maria Adams, Credit Cards Moderator

The minimun credit limit on the Amazon.com Credit Card is $500, but your credit limit will depend on your credit score and income. But particularly creditworthy applicants could get limits a lot higher than that.

No, the Amazon.com Store Card doesn't have a daily credit limit. You can, however, set a daily spending limit for your card by signing in to your online banking account. If you reach your set daily limit, the issuer won't allow further charges to your account until the following day.

Once accepted, you get 5% back on every purchase you make with Amazon. You can use that reward to offset the balance of your bill or toward new purchases. You also get a $60 Amazon gift card after your application is approved. The Amazon Prime Store Card has financing options for orders of more than $149.

Choose carefully: Applying for a retail credit card generates a hard inquiry on your credit report, which can have a negative effect on your credit score. If you only apply for one store credit card, this hit will be temporary.

Do store credit cards do hard pull? ›

In addition, when applying for a store credit card, the issuer may run a hard inquiry on your credit report, which can temporarily drop your score a few points.

To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.

The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features.

Once approved for an Amazon Secured Card account, you will only be able to access the Secured Card features which requires you to make a security deposit to open your account. Your credit limit will equal to the amount of the security deposit.

Apart from Amazon.com and Amazon-branded physical stores, the Amazon Store Card and Amazon Secured Cards opened before January 1, 2021, may be used for purchases from merchant sites that accept payments using Amazon Pay. Items that currently may not be purchased with an Amazon Store Card include: Rentals.

Yes, you can get approved for an Amazon credit card with bad credit. The Amazon credit card for people with bad credit is the Amazon.com Secured Credit Card, which has a $0 annual fee, reports to the major credit bureaus each month, and does not have a minimum credit score requirement.

You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®. This implies that those with average to exceptional credit are more likely to get approved for the Walmart Credit Card.

You will need a minimum Cibil Score of 750 and above to apply for the Amazon Pay ICICI Credit Card.

So, applying for credit sparingly can minimize credit damage. In general, having six or more hard inquiries is seen as too many. Having this many hard inquiries can significantly impact your score and make lenders more likely to deny you, even if your score is otherwise sufficient.

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.

How many credit cards is too many to have open? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.

This card can only be used for purchases and only at Amazon.com and merchants that accept Amazon Pay. The fact that Amazon.com Store Card cash advances are not an option might actually be a blessing in disguise.

How to use it instantly. Once approved for the card, you'll be able to access it from your Amazon account and use it to make Amazon purchases. (You'll have to wait for the physical card to show up to use it at other retailers.)

What credit score is needed for the Amazon Prime Rewards card? Applicants with a good to excellent credit score — a 670 FICO score or higher or a 661 VantageScore or higher — have the best approval odds when applying for the Amazon Prime Rewards card.

The Amazon.com Credit Card late fee is up to $39. The fee applies when cardholders don't make the minimum payment by the due date. The Amazon.com Store Card, on the other hand, has a late fee of up to $40.

Sufficient Income — Chase will want to verify sufficient income to determine your ability to pay and to calculate the amount of your credit card limit.

The Amazon Credit Card can be used at Walmart. But that applies only if you have the Visa version of the Amazon Credit Card (you can find the Visa logo on its front). And it's not only Walmart, it's pretty much any merchant, anywhere in the world.

The Amazon.com Store Card annual fee is $0, making it free to use if you pay your balance in full and on time every month. The combination of no annual fee and great cash back rewards on Amazon purchases makes the Amazon.com Store Card a good option for Amazon Prime members.

What store cards don't do hard pull? ›

Retail credit cards are generally easier credit cards to get and may come with points, coupons or other perks from the retailer. The tradeoff is that these cards usually have higher APRs and lower credit limits than many unsecured credit cards offered by major credit card companies.

A hard inquiry, also called a hard pull or hard credit check, requires your consent. It is triggered when you apply for credit, such as a mortgage, credit card, auto loan, student loan or personal loan. It doesn't happen if you are only looking for pre-qualification to decide whether to apply.

The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.

Yes, the Target Credit Card does a hard pull on each applicant's credit reports. When credit cards like the Target Card do a hard pull, or hard inquiry, they check an applicant's credit reports to confirm their creditworthiness. Unfortunately, pre-qualifying with only a soft pull isn't an option.

You can expect to use your Amazon credit card anywhere that takes Visa. This means you can use it anywhere in the U.S., and in over 150 countries worldwide. Unlike store cards that are tied to use at a specific retailer, a Visa card connected to Amazon is a regular credit card in many ways.

No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.

Note: If you wish to order a gift card or a downloadable product, you must wait until you receive the physical Card in the mail, which can take up to 10 business days, because you will be prompted to enter the full Card account number.

Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.

Who services the Amazon store card? ›

Store Cards and Secured Cards are issued by Synchrony Bank. If you have questions about any of these cards, call 1-866-634-8379, available 24 hours a day.

How to Avoid Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Yes, you can instantly add a bank account to withdraw money from your Amazon Payments account to a bank or building society account.

You cannot add an Amazon.com Store Card authorized user, unfortunately. While Amazon does allow members of the same household to share payment methods by linking their accounts together, that's not the same as adding an authorized user.

Adam McCann, Financial Writer

Yes, applying for an Amazon card does hurt your credit score by a small amount. When you apply for either the Amazon.com Credit Card or the Amazon.com Store Card, you must authorize a hard pull of your credit, which will temporarily drop your credit score by 5 to 10 points.

The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features. The two credit features have some different rates, fees and rewards.

If you choose to apply for a store card, the issuer will always perform a hard pull of your credit report. A hard pull will likely cause a small drop in your credit score, but it should bounce back quickly.

There's no fee, but they will close the card if you don't use it for two years.

Yes, the Amazon Prime Credit Card is metal. It is also worth noting that this card is an upgraded version of the Amazon.com Credit Card for cardholders with a Prime membership. This card is also made out of metal. The Amazon.com Store Card, on the other hand, is a plastic credit card.

Are store cards easy to get approved for? ›

Retail credit cards are generally easier credit cards to get and may come with points, coupons or other perks from the retailer. The tradeoff is that these cards usually have higher APRs and lower credit limits than many unsecured credit cards offered by major credit card companies.

You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.

Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card. Most Synchrony Bank credit cards require fair credit to apply, but the credit score effects should be negligible.

Pre-approvals use soft inquiries of your credit, so it will not affect your credit report. A pre-approved offer does not guarantee you'll get the card, but it does mean you have a 90% chance of approval, though.