make a payment on my amazon store card

Remember, you get 3% Daily Cash back on all Apple Store and Apple service purchases (including Uber and UberEats), 2% on Apple Pay purchases. BitPay offers a payment app and a debit card that you can fund with your accept direct cryptocurrency payments, several other shopping sites do accept. First, you need to create an account at Amazon.com. If I have an Amazon Payments account in my name, can I send money using my spouse's.

You can watch a thematic video

Amazon.com Store Card or Amazon Prime Store Card Account Online Access Review

Best credit cards for Amazon purchases

Editor’s note: This is a recurring post, regularly updated with new information. This page includes information about the Discover it Cash Back that is not currently available on The Points Guy and may be out of date. 


With millions of products at your fingertips, it’s no surprise that people spend a lot on Amazon. Whether you are an occasional Amazon shopper or at the point where the online retail giant’s “Recommended for You” section knows you better than your best friend, you’ll want to make sure you’re using a card that make a payment on my amazon store card your purchases from the site.

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Determining which card is right for you requires looking beyond just earning rates and considering other factors, such as rewards currencies, purchase protections and extended warranties. In some cases, you might even want to consider different cards depending on the specific purchase. Additionally, your best option make a payment on my amazon store card vary based on whether you’re a Prime member and what other cards you already carry. With all those things in mind, here’s a look at the top cards to use when shopping on Amazon.

In This Post

Best credit cards for Amazon purchases

The information for the Amazon Make a payment on my amazon store card Rewards Visa Signature and Discover it Cash Back has been collected independently by Seaside heights vacation rentals with pool Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amazon Prime Rewards Visa Signature Card

(Photo by The Points Guy)

At first glance, Amazon’s own Prime Rewards Visa appears to be the most exciting option — and for most people, it is. The Prime member-exclusive card, which should not be mistaken for the basic Amazon Rewards Visa, does not charge an annual fee (though you do need to pay for Prime membership, obviously). It offers an impressive 5% cash back on all Amazon and Whole Foods purchases, as well as 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Upon approval, you’ll get a $100 gift card automatically loaded into your Amazon.com account.

The biggest drawback is that the high return on spend is all this card really has to offer. While it comes with purchase protection (it covers items up to $500 in value if they’re damaged or stolen within 120 days of purchase) and extended warranty protection, it doesn’t include important purchase benefits like price protection or return protection, so it’s not ideal for large purchases.

The other drawback is that you need a Prime membership (at $119 per year) to qualify. Although with so many U.S. households already subscribed, that’s probably not much of an issue.

Read our full review of the card.

Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)

If you’re not a Prime subscriber and still want a solid return on your spend, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 5% back on travel purchased through Chase, 3% cash back on drugstore purchases and dining. All other purchases will earn 1.5% cash back. While that’s a solid return on its own, you could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to convert your cash back points into full-fledged transferable Ultimate Rewards points, worth 2 cents each based on TPG’s monthly points valuations.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

The Freedom Unlimited also offers 120-day purchase protection and extended warranty protection that extends eligible manufacturer’s warranties by an additional year. Like the two Amazon cards, this one does not carry an annual fee.

Read our full review of the card.

Official application link: Chase Freedom Unlimited with a $200 sign-up bonus after spending $500 on purchases in the first three months of account opening. 

Discover it Cash Back

Amazon’s Prime Rewards card isn’t the only one to offer 5% cash back on purchases — the no-annual-fee Discover it Cash Back does, too (on rotating categories, up to $1,500 each quarter you activate), and doesn’t require you to be a Prime member. However, this earning rate is typically only available on Amazon purchases just one quarter a year and is not guaranteed to come around every year.

If it does, though, you can earn 5% cash back (after enrollment) using the Discover it Cash Back for up to $1,500 in purchases made by Discover’s cash-back calendar. Keep in mind that while this card is great for Amazon purchases make a payment on my amazon store card any quarter where Amazon is among the retailers that count toward bonus earning, it isn’t the best card to use year-round. When Amazon is not a part of the quarterly cash-back bonus category, your purchases will only receive 1% back.

However, what makes the card shine is that Discover will match your rewards at the end of your first cardmember year, so you could get up to 10% back on Amazon.com purchases from a quarter where it’s a bonus retailer. Unfortunately, the card has discontinued other benefits, including extended product warranty, return guarantee, purchase protection and price protection.

Read our suntrust routing number ga review of the card.

Related: Best Discover cards 

American Express® Gold Card

The final card on this list is primarily for those who make a lot of high-value purchases on Amazon. With the Amex Gold Card, you’ll earn 1x Membership Rewards point per dollar on Amazon purchases, yielding a return of 2% based on TPG’s valuations. Unless there’s an Amazon deal available through Amex Offers, which isn’t too uncommon, where you can sometimes reap savings on your buys.

The biggest benefit of using the card is its generous purchase protection policy. While many cards include a similar perk, the Amex Gold Card provides an astounding $10,000 in protection per incident and up to $50,000 for all incidents in a calendar year.

Related: Best credit cards for purchase protection

If these protections aren’t important to you, you can increase your return on spending by purchasing Amazon gift cards from select U.S. supermarkets and earn 4x points (up to $25,000 in purchases per calendar year; then 1x). Accruing 4x points per dollar means an effective 8% return on spending, which beats any previously discussed cards.

Alternatively, the Amex EveryDay® Preferred Credit Card from American Express could be a good option since it earns 3x points on up to $6,000 of eligible purchases per calendar year at U.S. supermarkets, then 1x points thereafter. The card also offers a 50% point bonus if you use it more than 30 times during a billing cycle, so you could be walking away with as many as 4.5x points per dollar spent at grocery stores or a 9% return. The information for the Amex EveryDay Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to get up to 5 points per dollar on Amazon purchases

The Amex Gold Card has a $250 annual fee (see rates and fees), but its benefits — including up to $120 in dining credits each calendar year at participating restaurants/locations and up to $120 in Uber Cash each year ($10 monthly credits)  — make the card worthwhile. Card must be added in Uber account to receive Uber Cash benefit. Enrollment required for select benefits.

Read our full review of the card.

Official application link: American Express Gold Card with a 60,000-point welcome offer after spending $4,000 in the first six months of card membership. You may be targeted for a higher 75,000-point welcome bonus through the CardMatch tool (offer is subject to change at any time).

Bottom line

As you can see, picking a card to use for Amazon purchases isn’t as simple as going with the one at the top of this list. The best rewards credit card for you depends on your personal habits and priorities. So, while the Amazon Prime Rewards Visa Signature card offers a high return on Amazon purchases, it’s not everyone’s best option, as it’s only available to Prime members and lacks key shopping protections, which you’ll want for larger purchases.

Card benefits such as return protection have proved to be extremely valuable and may be worth sacrificing 2-3% in rewards in the long run. Additionally, if you’ve been saving up on transferable points for a specific redemption, it may make sense to earn rewards in that currency rather than cash back so that you can top off your account and book that award trip you’ve been dreaming about sooner.

For rates and fees of the Amex Gold, please click here. 

Additional reporting by Stella Shon and Benét J. Wilson.

Featured photo by Jason Alden/Bloomberg for Getty Images.

 

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Welcome to The Points Guy!

Benji Stawski is a reporter for the site, covering all things points, miles, credit cards, travel and aviation.

You can get in touch and follow his travels via Instagram.
Источник: https://thepointsguy.com/guide/best-cards-for-amazon-purchases/

Amazon synchrony bank phone number

Amazon synchrony bank phone number


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Synchrony Bank Customer Service Phone Number (866) … Contact Synchrony Bank customer support at toll-free or accessibility phone number; Call or write an email to resolve Synchrony Bank issues: Payments and Charges, Account, Cards; Visit the company website www. m. A member of our team will assist you in gathering the necessary information to open a claim. com More Offers ›› Synchrony High Yield Savings. com and Synchronybank. Sep 07, 2021 · Debt buyers tend to offer the longest payment terms. com. Mar 25, 2020 · To create a Synchrony Bank account for the first time after signing up for an Amazon store card, log into Synchrony with the full credit card number on the peel-off card mailed to you by Amazon. Menu & Reservations. Wilmington, DE 19850. Sep 04, 2020 · It's not Amazon or Synchrony Bank! This message is from Amazon -" Your Account Amazon. I have contacted amazon. The issue in GetHuman6409051's own words. 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What You Need to Know About Amazon BNPL

Amazon has become synonymous with online shopping, and as it’s grown, the company has expanded its offerings into financial products that help you pay for what you buy on the platform. Over the years, it’s offered promotional financing through its credit cards, but now eligible Amazon shoppers can make five monthly payments over four months on eligible products.

This buy-now-pay-later (BNPL) service works similarly to the payment plans offered by Affirm and PayPal Pay in 4, in that you break up a purchase into separate payments. The service charges no interest, though you may be charged interest on the credit card you link to the service if you don’t pay off your balance every month. Learn how Amazon’s BNPL program works, and what fees and restrictions you can expect.

How Does Amazon BNPL Work?

The Amazon BNPL program allows shoppers to split a purchase into five payments. You'll make hban preferred stock first payment when the item ships, then four additional payments over the next four months using a credit card linked to your Amazon account.

This is a departure from many popular BNPL services, which require four payments over a six-week period. Amazon BNPL payments are typically equal, but the final payment may be smaller if the purchase amount isn't equally divisible by five.

The program is different from the promotional financing options you can get through one of the Amazon store cards or co-branded Visa cards through Chase. Those options include repayment plans that range from six to 24 months, depending on the card. They also differ from the BNPL service in that they have purchase minimums and may charge interest, depending on the finance plan.

You can use Amazon’s BNPL for only one item per product category or device family at a time. For example, you can’t use BNPL to buy two Amazon Fire tablets. 

Is There a Minimum Purchase Size When Using Amazon BNPL? 

There's no minimum purchase amount to take advantage of Amazon's BNPL service. 

However, the service is limited to qualifying new products sold and shipped by Amazon, as well as qualifying or new certified refurbished Amazon devices sold and shipped by the retailer's digital services arm.  

Is There a Maximum Purchase Size When Using Amazon BNPL?

Amazon also doesn't list a maximum purchase amount, instead focusing on offering BNPL for certain items. 

Do Products Bought with Amazon BNPL Ship After First Payment?

Yes. You'll make your first payment on the date the product ships. This sets Amazon’s BNPL and other BNPL services apart from layaway programs that give you the product only after you’ve paid it off through a series of payments over time.

Can I Use Amazon BNPL To Pay Bills?

No, Amazon's BNPL service is only available on qualifying Amazon purchases. You can't use the feature with other retailers or to pay your monthly bills like rent, utilities, and wireless phone service.

Is There a Credit Limit?

Unlike other BNPL services, Amazon doesn't provide a credit limit because it doesn’t offer a credit line. It's simply another payment method the retailer offers to make paying off certain items more manageable.

Does Amazon BNPL Affect Your Credit Score?

No, the service doesn't impact your credit score in any way, which can happen with other BNPL apps. However, your payment activity on the credit card linked to the service can affect your credit score. 

Does Amazon BNPL Check Credit?

While other BNPL services require a soft or hard credit check when you apply, Amazon doesn't use your credit report to determine your eligibility. As such, applying for BNPL won't hurt your credit score.

Does Amazon BNPL Report Your Activity to Credit Bureaus?

Amazon doesn't report your BNPL payments to the credit bureaus. But the credit card you have connected to the service almost certainly does. So, while using the Amazon service itself won’t necessarily build or hurt your credit, you can still help your credit by paying your linked credit card on time, or hurt your credit by not paying it on time. While this means you can't use the program to build your credit history, it also means late payments won't damage your credit score.

What Credit Score Do You Need To Use Amazon BNPL?

There's no minimum credit score requirement because Amazon doesn't run a credit check when you choose monthly payments as your payment method.

Instead, the retailer uses four main eligibility criteria:

  • You must reside in the U.S.
  • Your Amazon account was active in the past year.
  • You need a valid credit card linked to your Amazon account—debit cards are not accepted for this program.
  • You need to have a good payment history with the retailer.

Amazon may also consider other factors, such as your transaction history and the nature and price of the qualifying item.

Certain Capital One credit cards can’t be used with the program.

Does Amazon BNPL Charge Interest?

Amazon doesn't charge interest when you use its BNPL service. Of course, you can prepay your next installment or pay off the entire balance before it's due. 

Because there's no interest involved, the only benefit of paying off your balance early is to not have to keep track of upcoming payments, especially if you're using the program for multiple purchases at a time.

Does Amazon BNPL Charge Fees?

No, Amazon doesn't charge fees to use its BNPL program. 

Is Amazon BNPL Safe?

Another way Amazon’s BNPL program differs from other BNPL services is that you're not involving a retailer and a lender—you go directly through Amazon. When you set up monthly installments, the process is just as safe as making regular payments through your Amazon account.

But while payment security is strong, carroll bank and trust routing number BNPLmultiple times could make it difficult to keep up with all of your payments. Also, because you don't have to pay in-full upfront, it could encourage overspending, which can hurt your financial well-being. 

Finally, because Amazon only allows you to use the program with a credit card, you'll also have to make sure you pay your credit card bill to avoid interest charges and late fees. If you miss a payment or rack up a high balance on your card, it could hurt your credit.

Amazon BNPL Retailers

Amazon's BNPL program only works on qualifying purchases made with Amazon, whereas. other BNPL services partner with thousands of retailers.

How To Use Amazon BNPL Online

If monthly payments are an option for a specific item you're purchasing, you'll see it on the product details page. Select it when you add the item to your cart, once it's in your cart, or at checkout. 

When you check out, your initial payment will include not only one-fifth of the purchase amount but also the full applicable taxes and shipping fees. Amazon won’t actually charge your card until the item ships. 

Subsequent payments will occur every 30 days from the shipment date until you've paid in full.

How Do Returns Work When Using Amazon BNPL?

If you need to return an item you've purchased through the BNPL program, you'll receive a refund for the purchase amount minus your remaining BNPL balance.

How Do I Pay Amazon BNPL?

Amazon charges your installment payments to a linked credit card of your choosing. You can't use other payment methods like debit cards, prepaid debit cards, or PayPal.

What Happens If I Don’t Pay Amazon BNPL?

With other BNPL apps, missing payments could impact your credit score. With Amazon, you don't have to worry about that. 

However, the retailer may pursue all available options to collect what you owe if you stop making payments. That may include suspending or closing your Amazon account, sending your account to collections, and reporting your account to credit bureaus. If you own Amazon devices, the retailer may deregister them and block your ability to access Amazon content and services through the device. 

Источник: https://www.thebalance.com/what-you-need-to-know-about-amazon-buy-now-pay-later-5185538

Sams credit login

Sams credit login


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If you’re a faithful Amazon.com shopper, you’ve probably at least considered the Amazon Store Card. Created for Amazon Prime shoppers, this card makes it easy to earn 5% back on whatever you buy at the online superstore. On the flip side, you can also choose to forgo the 5% back and stretch out your payments with zero interest over several months instead.

Like most store credit cards, the Amazon store card doesn’t charge an annual fee. However, it’s only good for Amazon.com purchases, and can’t be used just anywhere. Still, with free cash back and no fee, what’s not to like?

Like any other financial product, the devil is in the details when you look at how the Amazon Store Card works. Here’s a basic rundown of the Amazon card’s myriad financing options, along with how they can help you save.

How the Amazon Store Card Works

With the Amazon Store Card, you’ll earn:

  • 5% back on total cart purchases up to $149
  • 5% back or 6-month financing on purchases of $149 or more
  • 5% back or 12-month financing on purchases of $599 or more
  • 5% back or 24-month financing on select Amazon-sold items

In addition to these options, you can also enjoy 0% APR on specific Amazon purchases if you opt to make 12 equal monthly payments. This can come in handy if you plan to make a large Amazon.com purchase (holiday shopping, maybe?), but want to pay it off gradually without paying interest all along.

That all sounds great, but the fine print reveals the real kicker. Sure, you get 0% APR for a limited time, but because of the way interest is compounded and charged, you’ll be in for a rude awakening if you don’t pay your purchase in full by the time your promotional period is over.

If your balance doesn’t hit zero before the promotional period ends, you’ll owe backdated interest on the entire purchase. Worse, the Amazon Store Card comes with an APR of 26.24%!

In other words, failing to pay your balance in full before the 0% financing period ends means you’ll owe interest from the day you made the purchase. If you know anything about credit, you already know what a huge downside this is. And really, this should probably be a deal-breaker unless you’re make a payment on my amazon store card certain you can pay your purchase in full within the promotional timeline.

Another Option: Consider the Amazon.com Credit Card

If you’re not too keen on the way interest accrues with the Amazon Store Card, you make a payment on my amazon store card always consider the Amazon.com credit card instead. This card offers 3% back on Amazon.com purchases, 2% back at gas stations, restaurants, and drug stores, and 1% back on all other purchases.

Another important difference is that you don’t have to be an Amazon Prime member to apply. And like its store card counterpart, the Amazon.com credit card doesn’t charge an annual fee, either. Better yet, you can use the Amazon credit card anywhere Visa is accepted – and not just at Amazon.com.

And since it’s a traditional credit card, interest only accrues on actual balances you owe. Plus, the standard APR falls within a more reasonable range of 14.49% to 22.49%, based on your creditworthiness. That’s not great, but it’s better than the 26.24% APR the Amazon.com Store Card offers.

As a potential downside, you’ll only earn 3% back on Amazon.com purchases instead of the 5% you would earn with the store card. If you spend a lot on Amazon.com, the difference in earnings could be substantial.

A Better Option for Amazon.com Purchases?

Still, Amazon.com doesn’t food banks in camden nj the market cornered on credit cards for their website. With Discover it® Cash Back, you get 1% unlimited cash back automatically on every purchase you make. The kicker is, you also get 5% cash back at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.

The Discover it® Cash Back offers your free FICO score on your monthly statement and bank of america small business credit card login foreign transaction fees. That’s a pretty sweet deal for a card that offers amazing rewards.

Too long, didn’t read?

If you’re thinking of signing up for the Amazon.com Store Card, make sure to consider the alternatives that are out there. While it’s true 5 percent back is hard to beat, other rewards credit cards are fairly generous when it comes to Amazon.com purchases, too.

Do you have the Amazon Store Card or the Amazon.com credit card? Why or why not? What alternatives do you use instead?

Please Note: Information about the Discover it® Cash Back have been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.

Источник: https://www.thesimpledollar.com/credit-cards/should-you-get-the-amazon-store-card/

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What You Need to Know About Amazon BNPL

Amazon has become synonymous with online shopping, and as it’s grown, the company has expanded its offerings into financial products that help you pay for what you buy on the platform. Over the years, it’s offered promotional financing through its credit cards, but now eligible Amazon shoppers can make five monthly payments over four months on eligible products.

This buy-now-pay-later (BNPL) service works similarly to the payment plans offered by Affirm and PayPal Pay in 4, in that you break up a purchase into separate payments. The service charges no interest, though you may be charged interest on the credit card you link to the service if you don’t pay off your balance every month. Learn how Amazon’s BNPL program works, and what fees and restrictions you can expect.

How Does Amazon BNPL Work?

The Amazon BNPL program allows shoppers to split a purchase into five payments. You'll make the first payment when the item ships, then four additional payments over the next four months using a credit card linked to your Amazon account.

This is a departure from many popular BNPL services, which require four payments over a six-week period. Amazon BNPL payments are typically equal, but the final payment may be smaller if the purchase amount isn't equally divisible by five.

The program is different from the promotional financing options you can get through one of the Amazon store cards or co-branded Visa cards through Chase. Those options include repayment plans that range from six to 24 months, depending on the card. They also differ from the BNPL service in that they have purchase minimums and may charge interest, depending on the finance plan.

You can use Amazon’s BNPL for only one item per product category or device family at a time. For example, you can’t use BNPL to buy two Amazon Fire tablets. 

Is There a Minimum Purchase Size When Using Amazon BNPL? 

There's no minimum purchase amount to take advantage of Amazon's BNPL service. 

However, the service is limited to qualifying new products sold and shipped by Amazon, as well as qualifying or new certified refurbished Amazon devices sold and shipped by the retailer's digital services arm.  

Is There a Maximum Purchase Size When Using Amazon BNPL?

Amazon also doesn't list a maximum purchase amount, instead focusing on offering BNPL for certain items. 

Do Products Bought with Amazon BNPL Ship After First Payment?

Yes. You'll make your first payment on the date the product ships. This sets Amazon’s BNPL and other BNPL services apart from layaway programs that give you the product only after you’ve paid it off through a series of payments over time.

Can I Use Amazon BNPL To Pay Bills?

No, Amazon's BNPL service is only available on qualifying Amazon purchases. You can't use the feature with other retailers or to pay your monthly bills like rent, utilities, and wireless phone service.

Is There a Credit Limit?

Unlike other BNPL services, Amazon doesn't provide a credit limit because it doesn’t offer a credit line. It's simply another payment method the retailer offers to make paying off certain items more manageable.

Does Amazon BNPL Affect Your Credit Score?

No, the service doesn't impact your credit score in any way, which can happen with other BNPL apps. However, your payment activity on the credit card linked to the service can affect your credit score. 

Does Amazon BNPL Check Credit?

While other BNPL services require a soft or hard credit check when you apply, Amazon doesn't use your credit report to determine your eligibility. As such, applying for BNPL won't hurt your credit score.

Does Amazon BNPL Report Your Activity to Credit Bureaus?

Amazon doesn't report your BNPL payments to the credit bureaus. But the credit card you have connected to the service almost certainly does. So, while using the Amazon service itself won’t necessarily build or hurt your credit, you can still help your credit by paying your linked credit card on time, or hurt your credit by not paying it on time. While this means you can't use the program to build your credit history, it also means late payments won't damage your credit score.

What Credit Score Do You Need To Use Amazon BNPL?

There's no minimum credit score requirement because Amazon doesn't run a credit check when you choose monthly payments as your payment method.

Instead, the retailer uses four main eligibility criteria:

  • You must reside in the U.S.
  • Your Amazon account was active in the past year.
  • You need a valid credit card linked to your Amazon account—debit cards are not accepted for this program.
  • You need to have a good payment history with the retailer.

Amazon may also consider other factors, such as your transaction history and the nature and price of the qualifying item.

Certain Capital One credit cards can’t be used with the program.

Does Amazon BNPL Charge Interest?

Amazon doesn't charge interest when you use its BNPL service. Of course, you can prepay your next installment or pay off the entire balance before it's due. 

Because there's no interest involved, the only benefit of paying off your balance early is to not have to keep track of upcoming payments, especially if you're using the program for multiple purchases at a time.

Does Amazon BNPL Charge Fees?

No, Amazon doesn't charge fees to use its BNPL program. 

Is Amazon BNPL Safe?

Another way Amazon’s BNPL program differs from other BNPL services is that you're not involving a retailer and a lender—you go directly through Amazon. When you set up monthly installments, the process is just as safe as making regular payments through your Amazon account.

But while payment security is strong, using BNPLmultiple times could make it difficult to keep up with all of your payments. Also, because you don't have to pay in-full upfront, it could encourage overspending, which can hurt your financial well-being. 

Finally, because Amazon only allows you to use the program with a credit card, you'll also have to make sure you pay your credit card bill to avoid interest charges and late fees. If you miss a payment or rack up a high balance on your card, it could hurt your credit.

Amazon BNPL Retailers

Amazon's BNPL program only works on qualifying purchases made with Amazon, whereas. other BNPL services partner with thousands of retailers.

How To Use Amazon BNPL Online

If monthly payments are an option for a specific item you're purchasing, you'll see it on the product details page. Select it when you add the item to your cart, once it's in your cart, or at checkout. 

When you check out, your initial payment will include not only one-fifth of the purchase amount but also the full applicable taxes and shipping fees. Amazon won’t actually charge your card until the item ships. 

Subsequent payments will occur every 30 days from the shipment date until you've paid in full.

How Do Returns Work When Using Amazon BNPL?

If you need to return an item you've purchased through the BNPL program, you'll receive a refund for the purchase amount minus your remaining BNPL balance.

How Do I Pay Amazon BNPL?

Amazon charges your installment payments to a linked credit card of your choosing. You can't use other payment methods like debit cards, prepaid debit cards, or PayPal.

What Happens If I Don’t Pay Amazon BNPL?

With other BNPL apps, missing payments could impact your credit score. With Amazon, you don't have to worry about that. 

However, the retailer may pursue all available options to collect what you owe if you stop making payments. That may include suspending or closing your Amazon account, sending your account to collections, and reporting your account to credit bureaus. If you own Amazon devices, the retailer may deregister them and block your ability to access Amazon content and services through the device. 

Источник: https://www.thebalance.com/what-you-need-to-know-about-amazon-buy-now-pay-later-5185538

Amazon synchrony bank phone number

Amazon synchrony bank phone number


amazon synchrony bank phone number Box 965004 Orlando, FL 32896-5004 HSN Synchrony bank customer service ph#. Hope this help! HI @schoolgirlelemen. Box 965004 Orlando, FL 32896-5004 Pay By Phone: Contact Synchrony Bank Customer Service during business hours at 1-844-335-5909. The Amazon. One of the debt buyers Synchrony Bank sells to will allow about 4 years to pay a roughly half off settlement. – 5 p. Jun 25, 2015 · purchase, contact us in writing at: Synchrony Bank P. 125 Reviews. Box 15298. Please contact Synchrony Bank at 1-844-889-9676 so, they can look into this Nov 14, 2020 · Synchrony Bank is the 'real bank' behind many different companies store cards (Amazon, Lowes, etc). Call the number on the back of your card or 1-877-295-2080 when you’re ready to cancel. Synchrony Complaints, Account Log In, Customer Service Amazon Pay-In-Full Credit Line: 1-866-634-8381 1-866-634-8381 Please note, to help protect the privacy of our customers, Synchrony Bank is unable to discuss or provide specific Aug 02, 2021 · Amazon. A Fortune 500 company, Synchrony Bank is a United States, FDIC-insured bank with over 80 years of service under its belt. Contact Synchrony Bank customer support at toll-free or accessibility phone number. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. , please take it seriously. In 2015, Synchrony Financial completely broke off from GE to become an independent financial institution Contact Synchrony Bank customer support at toll-free or accessibility phone number. Reply. Synchrony Bank only accepts payments drawn from a U. com Inc. Benefits and minimum credit scores vary on the company. 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Amazon credit builder cards are used to make purchases at Amazon. The Amazon Secured Card is a secured credit card, designed to help you improve your credit scores. If you get a letter stating to call 800-4800186 because they want to verify the information because you applied for credit with Wallmart/Synchrony Bank, etc. Apr 22 Sep 24, 2019 · Start with the main Contact Page for credit cards. See reviews, photos, directions, phone numbers and more for Synchrony Bank locations in Orlando, FL. Website Help (800) 417-8321 Credit Services (800) 964-1917 Membership Services (888) 746-7726 Contact Address Sam's Club Credit P. Originally part of GE Capital Retail Bank, Synchrony was spun-off in 2014 to focus on retail credit cards; he has since added savings, money market and CD products to his lineup. For questions about your Amazon. You can go to each of these - Synchrony. Contact Information. Synchrony. physixfan 2013-02-18 2018-06-21 15 Comments. 80 percent APY. You may receive a Fraud Investigation Form within two weeks of notifying Synchrony that you have been victimized. At Home Insider Perks MasterCard Account Agreement and Pricing Information. Case Synchrony Bank. If you have questions about any of these cards, call 1-866-634-8379, available 24 hours a day. Below you can read unbiased reviews, complaints and comments for branches or the bank in general. phone number to break its laws Synchrony Bank is not removing a charge from my account even though Amazon issued a refund ID last month. Orlando, FL 32896. Make a payment by mail: Send a check or money order made out to "Synchrony Bank / Amazon" with the remittance slip from your monthly statement for the amount you wish to pay to the following address: Synchrony Bank / Amazon, P. Start of overlay End of overlay. com DA: 14 PA: 8 MOZ Rank: 42 Apply for Synchrony Financial credit card hardship programs. com #888-247-4080, but unable to assist as this was thru Synchrony Bank at Draper, Utah. need to have Synchony - not Synchrony bank. Make Reservations. bank account and does not allow cash payments. IRS Complaint suggested caller name as IRS Scam. SYNCHRONY BANK routing numbers have a nine-digit numeric code printed on the bottom of checks which is used for electronic routing of funds (ACH transfer) from one bank account to another. Need your balances? Just ask. Search. In my experience, these accounts are completely separate, so having an existing account with Synchrony and logging in there won't help you as the new notification would be for an entirely different account, unconnected to any existing account. Order Online Tickets. On the View Order Details page under Contact merchant , click the merchant's email address, enter your message, and then send them an email about your issue. I have not received anything in the mail regarding the change, no new cc! customer service phone number, I called and was able to make my payment on time! 1-844-889-9676 it’s automated. Synchrony Bank PO Box 965030 Orlando, FL 32896 Apr 19, 2021 · Synchrony Bank has just one physical branch in Bridgewater, New Jersey – 200 Crossing Blvd, Suite 101, Bridgewater, NJ 08807. Address: 950 Forrer Blvd Kettering, OH 45420. 71/. Please contact Synchrony Bank at 1-844-889-9676 so, they can look into this SyncB (Synchrony Bank) offers credit cards for major retailers — including Amazon, JC Penny, Lowe's, and Sam's Club. Contact Synchrony Financial Customer Service at 1-866-419-4096 Synchrony Contact Information. At Synchrony, it’s our job not only to help our customers every day – but also when disasters like these strike. You can find contact information for Synchrony Bank and Chase bank. The Synchrony Bank Privacy Policy governs the use of the Amazon Store Card and the Amazon Synchrony Bank Head Office branch is located at 170 West Election Road, Suite 125, Draper, UT 84020 and has been serving Salt Lake county, Utah for over 33 years. Enter your Amazon Store Card account number to allow the system to identify your account. Belk Rewards Card Account Agreement and Pricing Information. Amazon. CD terms range from 3-60 months, and a three month CD will earn a 0. Call or write an email to resolve Synchrony Bank issues: Payments and Charges, Account, Cards. While customer reviews are mixed, if you're looking to improve your credit score to qualify for one of SyncB's cards, it's easy with help from Credit Glory. aol. Longwood FL 32779. As one of the most popular retailers amongst both online and physical stores, the Amazon store card provides members with plenty of attractive benefits. Jun 02, 2019 · Amazon Credit Card Review Synchrony Bank June 2, 2019 by Site Author At any time you make an application for a bank card, the financial association experiences your own credit card, which is an element of charge-card processing processing to find out your worthiness. 9 million class action settlement. There’s no annual fee. A total of - fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. Jun 01, 2021 · Please contact 407-823-7277 for assistance with this site. Box 960013 / Orlando, FL 32896-0013. Synchrony Bank acknowledges the charges and I have furnished the email twice from ***** but refused to refund my account. Synchrony Bank has resolved 1 complaints. Box 965035, Orlando, FL 32896-5035. Weekdays: 8 a. Nov 15, 2021 · Synchrony Bank reviews first appeared on Complaints Board on Oct 25, 2014. Send payment to: Synchrony Bank P. Detected as: Credit card, Credit account SCAM. 866-771-1104 Sep 3, 2021 03:22 PM as someonelegitimately in debt to synchrony bank for a health loan, this ain't them. Dec 08, 2020 · For those card types that aren’t listed below, navigate to the Citi contact page, Synchrony Bank Credit Support. Wait for the prompts, and press two on your keypad. The case, against Synchrony Bank (formerly known as GE Capital Retail Bank), charges the bank with violating federal law. amazon synchrony bank phone number

Источник: http://svijet-ezoterije.com/owsiucd/amazon-synchrony-bank-phone-number.html

Amazon Pay

Amazon Pay is an online payments processing service owned by Amazon. Launched in 2007,[1] Amazon Pay uses the consumer base of Amazon.com and focuses on giving users the option to pay with their Amazon accounts on external merchant websites. As of March 2021, the service is available in Austria, Belgium, Cyprus, Denmark, France, Germany, Hungary, India, Republic of Ireland, Italy, Japan, Luxembourg, Netherlands, Portugal, Spain, Sweden, Switzerland, United Kingdom, and the United States.

Amazon Pay announced a partnership with Worldpay in 2019 allowing Worldpay clients to enable Amazon Pay as a part of the same integration.[2][3][4]

Products[edit]

Amazon Pay incorporates a variety of products for buyers and merchants to process online payments.

Amazon Pay[edit]

Amazon Pay provides the option to purchase goods and services from websites and mobile apps using the addresses and payment methods stored in the Amazon account, such as credit cards or a direct debit bank account or the Unified Payments Interface (UPI) in India.[5]

Amazon Pay Express[edit]

Amazon Pay Express is a payments processing service for simple e-commerce use cases on websites. Built on Amazon Pay but without requiring a full e-commerce integration,[6] it can be used to create a button that can be copied and pasted onto a website or added via a WordPress plug-in.[7] It is best suited for merchants selling a small number of products with a single item in each order, such as a digital download.

Evolution[edit]

Amazon Pay has undergone many changes in its evolution to improve the online payments processing for Amazon customers on external websites. While Amazon Pay is the most recent product, it represents the culmination of previous trial and error products, and strategic acquisitions.

Checkout by Amazon (CBA)[edit]

Checkout by Amazon (CBA) was an e-commerce solution that allowed web merchants to accept Amazon account information and use Amazon for payment processing. CBA could manage several aspects of the transaction including order processing, promotional discounts, shipping rates, sales tax calculation, and up-selling. Depending on the needs of the merchant, CBA could be integrated into the merchant's systems with manual processing (through Seller Central) or through SOAP APIs or downloadable CSV files. CBA also claimed to reduce bad debt because of Amazon's fraud detection capabilities. CBA was discontinued in the UK and Germany in 2016 and in the US in April 2017.[8]

Amazon Flexible Payments Service (FPS)[edit]

Flexible Payments Service (FPS) was an Amazon Web Service that allowed the transfer of money between two entities using a technology built on single, multiple, and unlimited use payment tokens. Merchants managed their use of the service via API or solution providers and accessed the account through a merchant account on the Amazon Payments website. The service was launched as a limited beta in August 2007, and later in February 2009 was promoted to General Availability. FPS differed from CBA in that FPS did not handle additional capabilities associated with order processing such as promotions, tax, and shipping. FPS also provided the payments processing for the Amazon Web Services DevPay service (https://aws.amazon.com/blogs/aws/make-money-fast/) but was discontinued in June 2015.

GoPago technology acquisition[edit]

Amazon in 2013 acquired GoPago's technology (mPayment) and hired their engineering and product teams.[9] Amazon was interested in the mobile payment business. GoPago's app allows shoppers to order and pay for goods and services before they arrive at a business.

Pay with Alexa[edit]

In 2020, Amazon enabled Alexa users to pay for gas by talking to Alexa.[10]

Security[edit]

In September 22, 2010, Amazon published a security advisory [11] regarding a security flaw in its Amazon Payments SDKs. This flaw allows a malicious shopper to shop for free in web stores using those SDKs. Amazon mandated all web stores to upgrade to its new SDKs before Nov. 1, 2010. Amazon acknowledged security researcher Rui Wang for finding this bug. The detail of the flaw is documented in the paper "How to Shop for Free Online - Security Analysis of Cashier-as-a-Service Based Web Stores" by Rui Wang, Shuo Chen, XiaoFeng Wang, and Shaz Qadeer.[12]

See also[edit]

References[edit]

External links[edit]

Источник: https://en.wikipedia.org/wiki/Amazon_Pay

How to pay off Amazon purchases over time

If you’ve had your eye on a few big-ticket items from Amazon.com but would rather not cover the full cost upfront, you’re in luck.

Amazon supports a number of different payment plans and flexible payment options, whether you finance a purchase through the site itself, sign up for a co-branded Amazon credit card, use a third-party financing tool to keep interest charges low or take advantage of a 0% introductory APR.

Here’s everything you need to know about paying off Amazon purchases over time and, hopefully, avoiding interest along the way.

See related: Best credit cards for Amazon purchases

Guide to Amazon financing

Does Amazon offer payment plans?

Yes. While the terms are fairly rigid, Amazon offers payment plans on eligible items to qualifying customers. The site also partners with a number of credit card issuers – including Synchrony Bank, Chase and Citi – to offer flexible payment options to cardholders.

Typically, your best bet in terms of both flexibility and cost will be either Amazon’s own Monthly Payments program, 0% promotional financing with an Amazon credit card or a new 0% intro APR credit card.

Amazon Monthly Payments

Monthly Payments is a little-known installment payment tool available on select items for eligible Amazon customers. Billed by Amazon as a way to “Get it now, pay over time,” Monthly Payments allows you to split the cost of an eligible item sold and shipped by Amazon across five months with no interest or finance charges.

With Monthly Payments, the price of your item is divided into five equal installments, with your first payment due when your product ships – that’s 20% of the total price, plus any tax and shipping on the full price of the item. Every 30 days after that for the next four months, you’re charged the remaining balance in equal installments.

You can only use Monthly Payments for one qualifying product in each product category (such as electronics) or Amazon device family (such as Fire tablets and Kindle e-readers) in your cart at time of checkout, and you can only be enrolled in one monthly payment plan per product category.

Here’s a quick look at how Amazon Monthly Payments work, per Amazon’s terms and conditions:

PaymentDue date
Initial payment (plus taxes and shipping)Date of shipment
First payment30 days after shipping
Second payment60 days after shipping
Third payment90 days after shipping
Fourth payment120 days after shipping

To get started with Amazon Monthly Payments, you’ll first need to check if your account is eligible. You can only use Monthly Payments if your Amazon account has been active for at least one year, you reside in the U.S. and you have a valid credit card tied to your Amazon account and a positive Amazon payment history.

Luckily, no credit check is required to determine your eligibility, so you won’t face the temporary credit score drop that comes from a hard pull of your credit report.

While qualifying for Monthly Payments is relatively straightforward, only certain items are eligible for an installment plan. To see if an item is eligible for financing through Monthly Payments, check for the “5 monthly payments” option on the product listing.

Here’s how to make monthly payments on Amazon, step-by-step:

  1. Enable monthly payments for your account. Once you’ve signed in and verified that your account is eligible for Monthly Payments, you’ll need to enable the feature. Visit the Monthly Payments page and click “Enable monthly payments.”
  2. Find an eligible product and select monthly payments. Products eligible for financing through Monthly Payments feature the text “or 5 monthly payments” below the standard price on the product listing. You can choose between “5 monthly payments” and “One-time payment” before you add an item to your cart.Find an item eligible for Monthly Payments
  3. Pay your first month, plus taxes and shipping. At checkout, your Order Summary lists the total cost of your item, the amount you’ll be charged immediately and the remaining balance, which will be billed in equal installments over the next four months.
    Amazon monthly payment checkout screen order summary
  4. Pay off your remaining balance over the next four months. Every 30 days, your card will be charged an equal portion of the remaining balance.

Amazon credit cards: Equal Pay vs. Special Financing

If your Amazon account or the item you have in mind doesn’t qualify for Monthly Payments, or if you think you’ll need more than five months to pay off your purchase, an Amazon credit card could be a good alternative. Not only do these cards carry exclusive financing offers, but they’ll also help you earn rewards on some of your regular Amazon purchases.

If go the new card route, you’ll choose from either the Amazon Store Card suite issued by Synchrony Bank – which includes the Amazon and Amazon Prime store credit cards, as well as the Amazon Prime Secured Card – or the Amazon Rewards Visa suite issued by Chase, which includes the Amazon Rewards Visa Signature Card* and the Amazon Prime Rewards Visa Signature Card*.

Depending on the card and the size of your purchase, you may be eligible to choose between two main types of financing for Amazon purchases: Equal Pay and Special Financing.

See related: Amazon store cards vs. Amazon Visa credit cards

Amazon Equal Pay financing

Equal Pay is similar to Monthly Payments, but offers much longer payment plans for large purchases – based on the size of your purchase.

This payoff period ranges from six to 24 months on the Amazon store card and from six to 18 months on the Amazon Visa cards. The latter cards also require a lower minimum purchase price to take advantage of a payment plan.

Equal Pay options on Amazon store cards from Synchrony include:

Offer periodMinimum purchase
6 months$150
12 months$600
24 months$800 (select purchases only)

On Chase cards, the following offers apply:

Offer periodMinimum purchase
6 months$150
12 months$250
18 months$500

Like Monthly Payments, Equal Pay allows you to split the cost of your item equally across the offer period. As long as you make your installment payments on time and in full, you won’t be charged any interest or other fees.

Instead of charging installments on a monthly basis, however, Equal Pay charges you for the total purchase amount when your item ships. Your required installment payment is then included as part of your minimum payment due each card statement period. This could get a bit confusing if you’ve used your Amazon credit card for new purchases in addition to an Equal Pay purchase.

Luckily, Chase makes it clear what you need to pay to avoid interest on new purchases by listing an “Interest Saving Balance” on your statement. Your Interest Saving Balance includes both the monthly payment due as part of your Equal Pay plan and any non-promotional balances you have. As long as you pay your Interest Saving Balance in full, you’ll avoid interest charges and be on track to pay off your Equal Pay purchase.

For example, if you used Equal Pay to split a $600 purchase across six months and also made $400 in other new purchases during a statement period, you’d have a total balance of $1,000. Your Interest Saving Balance, however, would be just $500 – that’s your $400 in new purchases, plus your $100 installment payment for the month.

Equal Pay Chase Interest Saving Balance

To take advantage of an Equal Pay offer on an Amazon credit card, add items to your cart as you normally would. Then, at checkout, choose your Amazon credit card as your payment method and select the Equal Pay option from the “card options” drop down list.

Amazon Equal Pay checkout

Unfortunately, you must choose between either financing or earning rewards on your Amazon card. If you opt for financing, you’ll miss out on any cash back you’d otherwise earn on Amazon purchases.

Amazon Special Financing

The other financing option on Amazon credit cards is called Special Financing. However, it’s not particularly “special” – it’s just the sort of deferred interest financing offer you’ll find available with many retailers and store credit cards.

With Amazon Special Financing, you get a promotional 0% APR for six to 24 months, depending on the size of your purchase. As long as you pay off your purchase in full by the end of the promotional period, you’ll avoid interest charges. Without set installment payments, how much you pay over the minimum is up to you, though if you pay only the minimum each month, you won’t pay off your balance in time.

Here’s how 0% promotional Special Financing breaks down by purchase size:

Offer periodMinimum purchase
6 months$150
12 months$600
24 months$800 (select purchases only)

Additionally, since Special Financing uses deferred interest, if you have even $1 remaining on your balance at the end of the promotional period, you’ll be charged interest going back all the way to the original purchase date.

Given the potentially high APR on Chase’s Amazon cards (14.24% to 22.24% variable) and the high APR guaranteed on Synchrony’s Amazon cards (25.99% variable), slipping up on a deferred interest financing offer could end up costing you a ton.

While marketing for Special Financing offers is more prominent on Synchrony’s Amazon cards, you may qualify for Special Financing with a Chase Amazon card as well. As with Equal Pay, simply choose your Amazon credit card as your payment method and select Special Financing from the “card options” drop down list.

Other Amazon financing options

While Amazon Monthly Payments or an Amazon credit card will likely offer the most flexibility, a number of other flexible payment tools may be a better fit for you. Keep in mind, however, that a few of these methods will require you to pay at least some interest.

Tip: Unfortunately, many shoppers have had trouble using popular installment payment services for Amazon purchases. Quadpay is one notable exception, allowing you to shop on Amazon via the Quadpay app. However, only six-week payment plans are available.

Citi Flex Pay

Citi has partnered with Amazon to allow eligible Citi cardholders to finance Amazon purchases using Citi Flex Pay. This feature lets you split the cost of most Amazon purchases of more than $100 into equal monthly payments when you use an eligible Citi card as your payment method at checkout.

While you generally can’t avoid paying some interest with this option, the standard fixed promotional APR is quite low, and you may qualify for much a longer payment plan than you’d find in other financing plans.

Here’s a breakdown of standard Citi Flex Pay Amazon payment plans:

Offer periodMinimum purchasePromotional APR
3 months$1006.74%
6 months$1496.74%
12 months$3006.74%
18 or 24 months$6006.74%
36 or 48 months$1,2008.74%

As with Amazon’s Equal Pay and Special Financing offers, you can opt into Citi Flex Pay financing on a purchase by setting your Citi card as your payment method and selecting the monthly payment plan that works for you. Before you check out, you’ll see your payment plan displayed below your order total.

Tip: As part of Amazon Prime Day, eligible Citi cardholders can also access exclusive 0% intro APR offers on Amazon purchases. You can choose among three equal monthly payments on purchases of $75 or more, 6 equal monthly payments on purchases of $149 or more or 12 equal monthly payments on purchases of $300 or more, all at a 0% promotional APR.

Pay It Plan It

A flexible payment tool available on select American Express credit cards, the “Plan It” portion of the Pay It Plan It program allows eligible cardholders to split purchases of more than $100 into monthly payments with a fixed fee. Payment plans run from three to 24 months and can be used for up to 10 eligible purchases at a time.

To use “Plan It” with an Amazon purchase, simply charge the full cost of the item to your eligible Amex card, then log in to your Amex account and choose the purchase that you want to pay over time. You’ll be offered one to three payment plans and can see how many payments you’ll make, the amount you must pay each month and the required fees.

New 0% intro APR card

A new credit card that offers a 0% introductory APR on purchases will allow you to carry a balance for several months and save on interest on all new purchases.

Two of your best options at the moment are the Blue Cash Preferred® Card from American Express and the Blue Cash Everyday® Card from American Express.

That’s because not only do both cards come with a 0% introductory APR on new purchases (the Blue Cash Everyday offers a 15-month 0% intro APR period, while the Blue Cash Preferred offers a 12-month 0% intro APR period, with both carrying a 13.99% to 23.99% variable APR after that), they also offer rewards on Amazon purchases as part of their welcome bonus.

The Blue Cash Everyday and Blue Cash Preferred cards offer 20% back on Amazon.com purchases for your first six months as a cardholder, with a $150 and $200 cash back cap, respectively.

The Discover it® Cash Back card is another great choice. It comes with a 0% introductory APR on purchases for the first 14 months (11.99% to 22.99% variable APR after that) and the Discover cash back calendar for 2021 lists Amazon.com purchases as eligible for 5% cash back from October through December (upon enrollment, on up to $1,500 in spending, then 1%).

Tip: You can check if you prequalify for a new credit card at many issuers’ sites or use a tool like CardMatch™ to search across multiple issuers for prequalified offers that fit your credit profile. Prequalification will help you get a better sense of your odds of approval before you apply.

Bottom line

If you’re looking for payment flexibility as you browse Amazon, you have a ton of options to choose from, many of which will help you avoid interest charges for six months or more.

If you want to avoid opening a new credit card, Amazon Monthly Payments may be your best bet but if you need more time to chip away at the cost of a large purchase, an Amazon co-branded credit card or a new card with a 0% introductory APR on purchases may be worth the temporary credit ding that comes with a new application.

Whichever route you take, be sure you have a payoff plan in place before you check out. You’ll also want to keep a close eye on your balance and payment schedule to ensure you don’t end up drowning in fees or interest charges.

See related: Best credit cards for large purchases

*All information about the Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nouri Zarrugh is a staff editor at CreditCards.com, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.

Источник: https://www.creditcards.com/credit-card-news/amazon-financing/

Best credit cards for Amazon purchases

Editor’s note: This is a recurring post, regularly updated with new information. This page includes information about the Discover it Cash Back that is not currently available on The Points Guy and may be out of date. 


With millions of products at your fingertips, it’s no surprise that people spend a lot on Amazon. Whether you are an occasional Amazon shopper or at the point where the online retail giant’s “Recommended for You” section knows you better than your best friend, you’ll want to make sure you’re using a card that maximizes your purchases from the site.

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Determining which card is right for you requires looking beyond just earning rates and considering other factors, such as rewards currencies, purchase protections and extended warranties. In some cases, you might even want to consider different cards depending on the specific purchase. Additionally, your best option may vary based on whether you’re a Prime member and what other cards you already carry. With all those things in mind, here’s a look at the top cards to use when shopping on Amazon.

In This Post

Best credit cards for Amazon purchases

The information for the Amazon Prime Rewards Visa Signature and Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amazon Prime Rewards Visa Signature Card

(Photo by The Points Guy)

At first glance, Amazon’s own Prime Rewards Visa appears to be the most exciting option — and for most people, it is. The Prime member-exclusive card, which should not be mistaken for the basic Amazon Rewards Visa, does not charge an annual fee (though you do need to pay for Prime membership, obviously). It offers an impressive 5% cash back on all Amazon and Whole Foods purchases, as well as 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Upon approval, you’ll get a $100 gift card automatically loaded into your Amazon.com account.

The biggest drawback is that the high return on spend is all this card really has to offer. While it comes with purchase protection (it covers items up to $500 in value if they’re damaged or stolen within 120 days of purchase) and extended warranty protection, it doesn’t include important purchase benefits like price protection or return protection, so it’s not ideal for large purchases.

The other drawback is that you need a Prime membership (at $119 per year) to qualify. Although with so many U.S. households already subscribed, that’s probably not much of an issue.

Read our full review of the card.

Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)

If you’re not a Prime subscriber and still want a solid return on your spend, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 5% back on travel purchased through Chase, 3% cash back on drugstore purchases and dining. All other purchases will earn 1.5% cash back. While that’s a solid return on its own, you could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to convert your cash back points into full-fledged transferable Ultimate Rewards points, worth 2 cents each based on TPG’s monthly points valuations.

Related: The power of the Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

The Freedom Unlimited also offers 120-day purchase protection and extended warranty protection that extends eligible manufacturer’s warranties by an additional year. Like the two Amazon cards, this one does not carry an annual fee.

Read our full review of the card.

Official application link: Chase Freedom Unlimited with a $200 sign-up bonus after spending $500 on purchases in the first three months of account opening. 

Discover it Cash Back

Amazon’s Prime Rewards card isn’t the only one to offer 5% cash back on purchases — the no-annual-fee Discover it Cash Back does, too (on rotating categories, up to $1,500 each quarter you activate), and doesn’t require you to be a Prime member. However, this earning rate is typically only available on Amazon purchases just one quarter a year and is not guaranteed to come around every year.

If it does, though, you can earn 5% cash back (after enrollment) using the Discover it Cash Back for up to $1,500 in purchases made by Discover’s cash-back calendar. Keep in mind that while this card is great for Amazon purchases during any quarter where Amazon is among the retailers that count toward bonus earning, it isn’t the best card to use year-round. When Amazon is not a part of the quarterly cash-back bonus category, your purchases will only receive 1% back.

However, what makes the card shine is that Discover will match your rewards at the end of your first cardmember year, so you could get up to 10% back on Amazon.com purchases from a quarter where it’s a bonus retailer. Unfortunately, the card has discontinued other benefits, including extended product warranty, return guarantee, purchase protection and price protection.

Read our full review of the card.

Related: Best Discover cards 

American Express® Gold Card

The final card on this list is primarily for those who make a lot of high-value purchases on Amazon. With the Amex Gold Card, you’ll earn 1x Membership Rewards point per dollar on Amazon purchases, yielding a return of 2% based on TPG’s valuations. Unless there’s an Amazon deal available through Amex Offers, which isn’t too uncommon, where you can sometimes reap savings on your buys.

The biggest benefit of using the card is its generous purchase protection policy. While many cards include a similar perk, the Amex Gold Card provides an astounding $10,000 in protection per incident and up to $50,000 for all incidents in a calendar year.

Related: Best credit cards for purchase protection

If these protections aren’t important to you, you can increase your return on spending by purchasing Amazon gift cards from select U.S. supermarkets and earn 4x points (up to $25,000 in purchases per calendar year; then 1x). Accruing 4x points per dollar means an effective 8% return on spending, which beats any previously discussed cards.

Alternatively, the Amex EveryDay® Preferred Credit Card from American Express could be a good option since it earns 3x points on up to $6,000 of eligible purchases per calendar year at U.S. supermarkets, then 1x points thereafter. The card also offers a 50% point bonus if you use it more than 30 times during a billing cycle, so you could be walking away with as many as 4.5x points per dollar spent at grocery stores or a 9% return. The information for the Amex EveryDay Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to get up to 5 points per dollar on Amazon purchases

The Amex Gold Card has a $250 annual fee (see rates and fees), but its benefits — including up to $120 in dining credits each calendar year at participating restaurants/locations and up to $120 in Uber Cash each year ($10 monthly credits)  — make the card worthwhile. Card must be added in Uber account to receive Uber Cash benefit. Enrollment required for select benefits.

Read our full review of the card.

Official application link: American Express Gold Card with a 60,000-point welcome offer after spending $4,000 in the first six months of card membership. You may be targeted for a higher 75,000-point welcome bonus through the CardMatch tool (offer is subject to change at any time).

Bottom line

As you can see, picking a card to use for Amazon purchases isn’t as simple as going with the one at the top of this list. The best rewards credit card for you depends on your personal habits and priorities. So, while the Amazon Prime Rewards Visa Signature card offers a high return on Amazon purchases, it’s not everyone’s best option, as it’s only available to Prime members and lacks key shopping protections, which you’ll want for larger purchases.

Card benefits such as return protection have proved to be extremely valuable and may be worth sacrificing 2-3% in rewards in the long run. Additionally, if you’ve been saving up on transferable points for a specific redemption, it may make sense to earn rewards in that currency rather than cash back so that you can top off your account and book that award trip you’ve been dreaming about sooner.

For rates and fees of the Amex Gold, please click here. 

Additional reporting by Stella Shon and Benét J. Wilson.

Featured photo by Jason Alden/Bloomberg for Getty Images.

 

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Benji Stawski is a reporter for the site, covering all things points, miles, credit cards, travel and aviation.

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Источник: https://thepointsguy.com/guide/best-cards-for-amazon-purchases/

Amazon Store Credit Card Review

Shopping from the comfort of home is a lot more convenient than trying to fight the crowds at the mall.

If you’re a regular Amazon customer, signing up for an Amazon credit card is a no-brainer.

The Amazon store credit card is designed to be used exclusively for Amazon purchases.

This card is good for someone who wants to earn a whopping 5% cash back on Amazon spending (requires a Prime membership) or to take advantage of 0% APR financing for big purchases.

In this Amazon credit card review, we'll compare rates, fees, and services to other popular credit cards.

Key credit card features:

Credit cards come with lots of fine print and we know how easy it is to get bogged down in the details. To make it easier, we’ve highlighted the best reasons to apply for an Amazon credit card:

No annual fee

Some credit cards charge you an annual fee just to have them. That’s on top of the interest you pay if you carry a balance.

The Amazon store card has no annual fee at all.

Promotional financing

If you spend $149 or more with your card, you pay no interest if you pay the balance off within six months.

If you spend $599 or more, you get 0% financing for 12 months. There’s also a 0% deal available on selected items for up to 24 months. That includes things like appliances, jewelry, and computers.

5% back when you upgrade to Amazon Prime

With the upgraded Amazon Prime Store card, you earn 5% back every time you shop online at Amazon.com. That’s $5 back on every $100 you spend.

Equal pay financing

Amazon offers 0% financing on certain items for 12 months without requiring a $599 minimum purchase.

Card rates and fees

If you make a purchase that doesn’t qualify for 0% financing, you’ll pay a regular variable annual percentage rate. A variable rate means your APR can go up or down over time. The minimum interest charge is $1.50.

This card doesn’t allow balance transfers or cash advances so there are no fees for that. The only other cost is a $35 late fee if you make a payment past the due date.

Amazon Store Card Account Fees

TypeFees
Annual Percentage Rate (APR) for Purchases27.49% This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesYour 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.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.50.
Late PaymentUp to $38

Why it’s worth it to get the Amazon Prime credit card instead

The basic store card is good for Amazon shoppers but there’s a better option if you want to get paid back even more for shopping online.

Upgrading to an Amazon Prime Store Card opens the door to more impressive benefits, including streaming TV and movies as well as free 2-day shipping on Amazon purchases. Not only that but you can earn rewards on what you spend.

With a Prime store card, you automatically earn 5% back on everything you spend at Amazon, every day.

The rewards you’re earning are applied as a statement credit. Amazon doesn’t cap the amount of rewards you can earn.

They don’t expire as long as your account is open and in good standing.

Getting 5% back on your purchases can add up to some serious savings if you’re a regular Amazon shopper.

It’s the equivalent of getting $50 back for every $1,000 you spend so if you charge $10,000 a year, you’re putting $500 of that right back in your pocket.

Even if you only spend $2,000 a year, you still earn enough back to cover the Prime membership’s annual fee.

Amazon does enforce a catch of sorts for customers who change from the store card to the Prime card.

If you make a purchase that qualifies for 0% financing, you have to decide whether you want to avoid the interest charges or get the 5% back. Amazon doesn’t let you have both.

The current annual membership fee for Prime benefits is $99.

If you already have a membership or you decide to sign up for one, your store card is automatically upgraded to an Amazon Prime credit card.

If you’re on the fence about paying a $99 annual fee, Amazon gives you 30 days to try Prime for free. You can always switch back to a regular Amazon store card before the trial period expires.

Amazon store cards vs. other rewards credit cards

It’s always smart to compare the different Amazon credit card options to some of the most popular rewards cards on the market.

Specifically, we were interested in whether any other cards could help you save the same amount or more on Amazon purchases.

Here’s a quick rundown of the top card alternatives for Amazon shoppers:

Blue Cash Preferred Card from American Express

The gives you cash back for making supermarket purchases each year.

If your grocery store sells Amazon.com gift cards, you can use the Blue Cash Preferred card to save money on gift cards you buy.

This card has a $95 annual fee (see Rates & Fees; terms apply) but that’s still less than the $99 you’d pay each year for an Amazon Prime credit card.

You can earn the fee back and then some if you max out the 3% cash back bonus each year.

Read Blue Cash Preferred Card Editor's Review

U.S. Bank Cash+ Visa Signature

The has a more customizable cash back program that makes it a good pick if you love Amazon.

The card offers the option to earn 5% cash back on the first $2,000 in purchases in two categories of your choice each quarter.

One of the choices is electronics stores, including Best Buy, which sells Amazon gift cards so you can save when you stock up.

read U.S. Bank Cash+ Visa Signature Card Editor's Review

Citi Simplicity

The doesn’t offer any rewards but it’s got something better for people who don’t like paying interest charges.

Typically, the card offers 0% financing on purchases for an extended period of time. You get the same deal on balance transfers. Best of all, there’s no annual fee, no late fees and no penalty rate.

Read Citi Simplicity Card Editor's Review

Discover it® Cash Back

The Discover it® Cash Back card is another cash back card that features rotating spending categories. The cash back bonus tops out at 5% and it applies to Amazon.com purchases during certain quarters of the year.

If you don’t shop at Amazon as often but you still want to get a deal, this no-annual-fee card is worth a look.

Applying for an Amazon store card or Prime card

You can apply for an Amazon store card if you’re a U.S. resident and at least 18. You need to have a Social Security number of a Taxpayer ID number to fill out the application.

Amazon store cards are issued by Synchrony Bank and they’ll check your credit report when you apply. You’ll find out in as little as 15 seconds if you’re approved.

If you’ve got serious delinquencies or a bankruptcy on your credit, it may be tougher to get a card.

Final verdict: Is an Amazon store credit card a good choice for online shoppers?

The answer to that question ultimately depends on how much shopping you do at Amazon and how you prefer to save money.

For shoppers who don’t want to pay interest on larger purchases or get hit with an annual fee, the Amazon store credit card makes sense.

On the other hand, if you already have a Prime membership the 5% back option with the Amazon Prime credit card offers you a little more in the way of rewards.

If you want rewards but you don’t think you’ll use Prime to stream movies or TV or take advantage of the free two-day shipping, you’re better off sticking with one of the no-annual-fee alternatives we mentioned earlier.

See the rates & fees for the mentioned American Express cards: Blue Cash Preferred from American Express (Rates & Fees; terms apply).

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Источник: https://www.mybanktracker.com

4 Replies to “Make a payment on my amazon store card”

  1. In government banks it wont be helpful...an advantage only in private banks

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