The Amazon Mastercard is a smart choice for frequent Amazon shoppers in the United States.
It offers cashback rewards, no annual fees, and exclusive perks for Americans shopping on Amazon.
This article explains its benefits, the requirements for U.S. residents, the application process, and tips for maximizing your rewards effectively.
Benefits of the Amazon Mastercard Card
The Amazon Mastercard Card offers several benefits that make it an excellent choice for frequent Amazon shoppers and everyday spending.
Here’s a breakdown of its key advantages:
- Cashback on Amazon purchases: Earn cashback on all purchases made through Amazon.
- Cashback on everyday spending: Get cashback at grocery stores, restaurants, gas stations, and more.
- No annual fees: Enjoy all these rewards without paying a yearly fee.
- Special financing offers: Take advantage of promotional financing for large purchases (if applicable).
- Security features: Includes fraud protection and zero liability for unauthorized charges.

Interest Rates and Fees
The Amazon Mastercard offers valuable rewards for Amazon shoppers, but it’s important to understand the interest rates and fees before applying.
- Purchase APR: 17.99% to 25.99% (variable based on creditworthiness)
- Balance Transfer APR: 17.99% to 25.99% (variable)
- Cash Advance APR: 29.99% (variable)
- Annual Fee: $0
- Late Payment Fee: Up to $40
- Foreign Transaction Fee: None
These rates may vary, so always review the latest terms when applying for the Amazon Mastercard.
How the Amazon Mastercard Card Compares to Other Retail Store Cards
The Amazon Mastercard Card stands out from other retail cards because it has unique perks. Here’s a comparison:
- Broader cashback categories: Earn cashback not just on Amazon but also on groceries, dining, and gas.
- No annual fees: Many retail cards charge fees, but this card does not.
- Prime member rewards: Prime members get higher cashback, a perk most other cards lack.
- Special promotions: Enjoy exclusive Amazon discounts and offers.
- Usability: Use it anywhere Mastercard is accepted, unlike store-limited cards.
Requirements to Apply for the Amazon Mastercard Card
You must meet specific eligibility requirements to apply for the Amazon Mastercard Card. Here’s what you need to qualify:
- Minimum credit score: A good or excellent credit score is usually required.
- Income verification: Proof of stable income may be necessary during application.
- Residency or citizenship requirements: Applicants must be legal residents or citizens of the country where the card is issued.
- Age requirement: You must be at least 18 years old to apply.
- Other eligibility criteria: Additional criteria might apply based on the issuing bank’s policies.
Application Process
The application process for the Amazon Mastercard Card is straightforward and can be completed online. Here’s a step-by-step guide on how to apply:
- Step 1: Visit the Amazon website or the card issuer’s site to begin the application.
- Step 2: Fill out the required personal and financial information.
- Step 3: Submit your application and await a decision, which usually comes quickly.
- Step 4: Upon approval, you’ll receive your card and can set up your account online.
- Step 5: Start using your card for purchases and earning rewards.
How to Check Your Amazon Mastercard Card Application Status
Checking the status of your Amazon Mastercard Card application is a simple process that ensures you’re up to date on where things stand. Here’s how to do it:
- Online portal: Visit the card issuer’s website and log into your account to check the status.
- Email notifications: Look out for status updates sent to the email address you provided during the application.
- Phone call: Call the card issuer’s customer service number for a real-time update on your application status.
- Mobile app: If available, use the card issuer’s mobile app to track your application status.
What Happens After Approval
Once your Amazon Mastercard Card application is approved, follow a few steps. Here’s what happens next:
- Receiving the card: The physical card will be mailed to you, typically within 7-10 business days.
- Setting up the account: You’ll need to activate the card and set up an online account to manage your payments and rewards.
- Start using the card: Once activated, you can make purchases and earn cashback on eligible purchases.
- Review credit limit: Check the credit limit provided and plan your spending accordingly.
- Monitor rewards and payments: Keep track of your rewards and ensure timely payments through your online account.

Additional Perks
The Amazon Mastercard Card has additional perks that enhance its value for cardholders. Here’s a breakdown of these extra benefits:
- Integration with Amazon Prime: Prime members can enjoy higher cashback rates and exclusive rewards.
- Bonus rewards for Prime members: Earn even more on eligible Amazon purchases with an active Prime membership.
- Special promotions or discounts: Cardholders can access limited-time offers and discounts exclusive to Amazon Mastercard users.
- Extended warranty protection: Some purchases made with the card may qualify for extended warranty coverage.
Drawbacks to Consider
While the Amazon Mastercard Card has several benefits, there are a few drawbacks to consider before applying. Here’s what you need to keep in mind:
- Interest rates: The card may have a high interest rate if you carry a balance.
- Foreign transaction fees: Fees may apply for international purchases, which can add up if you travel frequently.
- Limits on cashback categories: Some spending categories offer different rewards, limiting your earning potential in non-bonus categories.
- No introductory APR: Some competitors offer a 0% introductory APR, but this may not be available with this card.
Interest Rates and Fees
The Amazon Mastercard Card comes with specific interest rates and fees you should know before applying. Here’s a quick breakdown:
- Purchase APR: The standard APR for purchases typically ranges between 14.99% and 22.99%, depending on your creditworthiness.
- Balance transfer APR: Depending on the offer, balance transfers may have a similar APR as purchases or a higher rate.
- Cash advance APR: Expect a higher APR, often around 25.99%, for cash advances.
- Foreign transaction fees: 2-3% may apply to purchases outside your home country.
- Late payment fees: Depending on the issuer’s policy, late payments can result in fees up to $39.
How to Maximize Your Rewards
To get the most out of your Amazon Mastercard Card, you need to use it strategically. Here are some tips to maximize your rewards:
- Focus on Amazon purchases: Use the card for all Amazon purchases to earn the highest cashback.
- Take advantage of bonus categories: Use the card for those expenses to maximize cashback on groceries, dining, and gas.
- Combine with Amazon discounts: Stack your cashback rewards with ongoing Amazon promotions for extra savings.
- Use it for everyday spending: Don’t limit the card to Amazon; use it for daily purchases to build rewards.
- Monitor special offers: Look out for limited-time promotions to boost your rewards.
Contact Details
If you need assistance with your Amazon Mastercard in the United States, knowing the correct contact information for customer service and inquiries is essential.
Below are the details to help you get in touch.
- Customer Service Phone Number: 1-888-247-4080
- Mailing Address: Chase Card Services, P.O. Box 15298, Wilmington, DE 19850-5298
To Conclude
The Amazon Mastercard Card offers solid rewards, no annual fees, and is ideal for frequent Amazon shoppers.
With its cashback on Amazon and everyday spending, plus additional perks for Prime members, it’s a strong option for maximizing savings.
Are you interested in unlocking these benefits? Apply for the Amazon Mastercard Card now!
Disclaimer
The information provided about the Amazon Mastercard Card is for general reference only and may be subject to change.
Always review the latest terms and conditions directly from the card issuer before applying.