Does the Amazon Credit Card do a hard credit check?
The hard inquiry allows Synchrony Bank to determine your credit risk and ultimately decide whether you'll be approved for an account. The Amazon Store Card requires fair credit to be approved.
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.
Approval odds
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.
The good news is that even though applying for an Amazon card will hurt your credit, the damage will be minor and won't last long. Your score should bounce back after a few months of responsible credit use. You should strive to always pay on time, and in full if possible.
Your Amazon Credit Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Amazon Credit Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
Impact of a Amazon Credit Card Credit Limit Increase on Your Credit Score. When you request an Amazon Credit Card credit limit increase, Chase will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Chase cannot do a hard pull without your permission, though.
The Amazon Prime Visa Card can potentially affect your credit score in several ways. When you apply for the card, the issuer will perform a hard inquiry on your credit report, which can temporarily lower your credit score.
If you are applying for the Amazon Store card, you will need a score above 640. 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).
For the Prime Visa, you'll likely need a good credit score (670 or above) to qualify.
One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed.
Which is the easiest store credit card to get?
Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.
- 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.
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. You can check the status of your Amazon Credit Card application over the phone at (888) 247-4080. To check the status of your Amazon Store Card, call (866) 634-8379, instead.
You can get the store card with fair credit (a 640+ score), and even people with bad credit can get the secured card.
- Excellent: Credit score above 720.
- Good: Credit score above 680.
- Fair: Credit score above 640.
| Card name | Annual fee | Bankrate review score |
|---|---|---|
| Discover it Secured® Secured Credit card | $0 | 5 / 5 |
| Petal® 2 “Cash Back, No Fees” Visa® Credit card | $0 | 5 / 5 |
| Mission Lane Visa® Credit card | $0 to $59 | 3.4 / 5 |
| Indigo® Mastercard® | $0 to $99 | 2.2 / 5 |
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.
A hard credit inquiry could lower your credit score by as much as 10 points, though in many cases, the damage probably won't be that significant. As FICO explains, “For most people, one additional credit inquiry will take less than five points off their FICO Scores.”
Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.
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.
What credit card can I get with a 600 credit score?
| Card name | Reward highlights | Fees |
|---|---|---|
| Mission Lane Cash Back Visa® Credit Card | Unlimited 1 percent or 1.5 percent for all qualifying purchases | $0 annual fee |
| Capital One Platinum Credit Card | N/A | $0 annual fee |
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.
The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee.
Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply.
