Amazon Store Card Login and Cancellation Fee

What is Amazon Store Card?

The Amazon Store Card, issued by Synchrony, introduces deferred financing options that raise concerns due to their intricacy and potential financial risks for consumers. The Amazon Store Card offers "special financing" with a promotional window of 6 to 24 months to settle purchases, requiring minimum monthly payments.

However, failure to clear the purchase within this period, considering the high 29.99% variable APR, results in interest charges from the purchase date  differing from standard 0% introductory APR offers.

Earning rewards with the Amazon Store Card is exclusive to Amazon Prime members and excludes purchases under promotional financing. A Prime membership costs $139 annually. The rewards are applicable solely for Amazon or affiliate brand purchases or as a statement credit. Prime members with favorable credit might consider the Amazon Prime Rewards Visa Signature Card from Chase as an alternative.

Amazon Store Card Login

Here's a step-by-step guide on how to log in to your Amazon Store Card account and link it with your Amazon and Synchrony Bank accounts for easy access:

• Visit the Amazon Store Card page on the Amazon website.
• On the page, locate the third card and find the "Link Now" button.
• Click on the "Link Now" button to proceed with the linking process.
• You will be prompted to enter your Synchrony Bank user ID and password.
• Fill in your Synchrony Bank user ID and password as requested.
• Once you've entered your details, click to establish the linking between your Amazon and Synchrony Bank accounts.
• This linking will enable you to view basic information about your Amazon Store Card or Amazon Secured Card directly on Amazon, enhancing convenience.

By following these steps, you'll successfully log in to your Amazon Store Card account and establish the necessary connection with your Amazon and Synchrony Bank accounts for seamless access and management of your card information.

Amazon Store Card Cancellation Fee

The cancellation process for your Amazon Store Card itself doesn't involve any fees. When you decide to cancel your Amazon Store Card, there is no associated fee directly charged by the issuer for closing your account. However, it's important to note that you will need to take care of any outstanding balances on the card before finalizing the closure.

While the cancellation process doesn't come with a fee, it's essential to ensure that any unpaid balances on the card are settled. This means paying off any amounts that you owe to the card issuer. It's worth keeping in mind that if you have remaining balances on your card, these balances might continue to accumulate interest until they are fully paid off. By addressing these balances before starting the cancellation, you can avoid any additional charges that might result from accrued interest.

How Do I Cancel My Amazon Store Card?

If you've decided to cancel your Amazon Store Card, you have the option to do so either online or by phone. Here are the steps for both methods:

Canceling Your Amazon Store Card Online:

1. Log In: Start by logging in to your Amazon account on the official Amazon website using your login credentials.
2. Access "Services": Once logged in, navigate to the "Services" tab within your account. This tab might be located in different places based on the website's layout.
3. Close Account: Look for the "Close Account" option within the "Services" section. Click on this option to proceed with the cancellation process.
4. Confirmation: A confirmation prompt will likely appear after selecting "Close Account." Confirm your decision to cancel your Amazon Store Card.
5. Verify Identity: To ensure security, you might be prompted to verify your identity. Follow the provided instructions to complete this step.
6. Completion: After successfully completing the steps, your Amazon Store Card cancellation process will be initiated. Make sure to review any confirmation messages for your records.

Canceling Your Amazon Store Card by Phone:

1. Call Customer Service: Dial the Amazon Store Card customer service number at (866) 634-8379. This number connects you with a representative who can assist with the cancellation process.
2. Provide Account Information: To verify your identity, you'll likely need to provide your account or card number when prompted.
3. Speak to a Representative: Follow the automated prompts to speak with a customer service representative. Inform them that you intend to cancel your Amazon Store Card.
4. Retention Offers: Be aware that the representative might present you with offers to encourage you to retain the card. If you're determined to cancel, you can decline these offers.

Remember the following important points when canceling your Amazon Store Card:

• If there's a remaining balance on the card, continue making at least the minimum payments until the balance is paid off.
• Update the payment method for any recurring charges linked to the Amazon Store Card.
• Redeem any unused rewards before canceling the card, as they will be forfeited upon cancellation.

How to Make a Pay Amazon Store Card?

To make a payment on your Amazon Store Card or Amazon Secured Card Account, follow these steps:

Online Payment:

• Sign in to your Synchrony Bank account at http://www.syncbank.com/amazon or link your Amazon and Synchrony accounts.
• Hover over Payments at the top, then select View and Make Payments.
• Choose the payment type: Minimum Payment, Statement Balance, Current Balance, or Other.
• Select the Payment Date and an existing payment method or add a new one.
• Verify your information and submit the payment.

Recurring payment:

• Sign in to your Synchrony Bank account at http://www.syncbank.com/amazon or link your Amazon and Synchrony accounts.
• Hover over Payments at the top, then select Manage Autopay.
• Choose the payment type: Minimum Payment, Statement Balance, Current Balance, or Other.
• Select your bank account, review terms, and set up autopay.

Payment by Phone: Call Synchrony Bank at 1-866-634-8379. Automated or Customer Service payments are free.

Payment by Mail: Send a check or money order along with the remittance slip from your statement to: Synchrony Bank / Amazon, P.O. Box 960013, Orlando, FL 32896-0013.

Amazon Store Card Customer Service

Synchrony Bank plays a pivotal role as the designated issuer of both Store Cards and Secured Cards, offering a range of financial solutions to cater to various needs. Should you find yourself with inquiries or in need of assistance related to these specific card types, a dedicated customer support helpline is readily available at 1-866-634-8379. This helpline operates around the clock, ensuring that you have access to support and information whenever the need arises, regardless of the time.

Whether your queries revolve around understanding the intricate features of your cards, unraveling the benefits they entail, or seeking guidance on effective card management, the proficient and attentive customer service team stands prepared to address your concerns effectively.

Their expertise extends to clarifying terms and conditions, facilitating seamless transactions, and assisting in resolving any potential challenges that may arise during your card usage journey. This assurance of comprehensive and timely support underscores Synchrony Bank's commitment to providing a positive and hassle-free experience for cardholders, enhancing your confidence in the financial tools at your disposal.

Where Can I Use My Amazon Store Card?

Within the expansive landscape of Amazon.com, a myriad of offerings coalesce to cater to a diverse range of needs and preferences. At its core, Amazon.com thrives as a comprehensive platform, encompassing both its retail and marketplace sectors, where customers can seamlessly browse and purchase an extensive array of products and services.

Catering to the distinct requirements of businesses, Amazon Business presents a specialized avenue for streamlined procurement processes, enhancing efficiency for commercial transactions. Embracing a premium tier of engagement, the Amazon Prime membership program extends an array of benefits, from expedited shipping to exclusive access to media content, creating a unique value proposition for subscribers.

In a bid to revolutionize the retail experience, Amazon Go stores stand as exemplars of cashier-less convenience, incorporating cutting-edge technology for frictionless shopping. Simultaneously, the technological prowess of Amazon is epitomized by Amazon Web Services (AWS), a prominent cloud computing platform empowering countless online services and applications.

The literary realm finds representation through Audible, offering an immersive collection of audiobooks, while the tangible joy of physical bookstores is captured in Amazon Bookstores and 4-star outlets, curating top-rated and trending products for customers.

The integration of voice-responsive technologies is showcased by Alexa Skills, enabling an array of voice-activated functionalities to be seamlessly integrated into users' lives. Transactions find ease through Amazon Pay, facilitating secure payments across partner merchant platforms.

Catering to daily sustenance, Amazon Fresh introduces a novel approach to grocery shopping, while Audible.com contributes to literary exploration by providing an expansive collection of audiobooks. Furthermore, the digital age finds its expression through ComiXology.com, offering a platform for enthusiasts to explore and appreciate digital comics.

Collectively, this rich spectrum of offerings positions Amazon.com as a dynamic and transformative hub, consistently redefining convenience, entertainment, and technological innovation in the modern era.

Amazon Store Card Rewards

Earning and Utilizing Rewards

The Amazon Store Card offers a compelling rewards structure, granting 5% back to eligible Prime members. However, customers without a Prime membership do not qualify for rewards accumulation.

The process of crediting rewards earned to the rewards account might take up to two billing cycles. It's important to note that rewards are exclusively accessible to cardholders who are active Amazon Prime members and cannot be combined with any ongoing special financing promotions. Upon approval, the Amazon Store Card also features a welcoming gesture in the form of an instant Amazon.com gift card.

Redemption Process

Rewards earned through the Amazon Store Card serve dual purposes. These rewards can either be applied towards eligible purchases on Amazon or received as a credit on the cardholder's statement. It's crucial to be aware that any unredeemed rewards are forfeited upon closing the account.

Maximizing Rewards Potential

To gauge the potential rewards of the Amazon Store Card, we consider a typical American household's annual credit card expenditure. Some sources relies on data from various government sources to establish average income and spending across diverse categories.

For a household earning about $84,352 annually and spending in accordance with this average, an estimated $25,087 might be charged to a credit card each year. Approximately $3,604 of this expenditure pertains to general "shopping" expenses.

What Are the Pros and Cons of Amazon Store Card?

Pros

• Simplicity in Reward Redemption: The Amazon Store Card offers a straightforward approach to redeeming cash-back rewards, making the benefits easily accessible and usable for cardholders.
• Flexible Reward Options: Cardholders can choose between earning 5% back on their Amazon Prime purchases or opt for promotional financing, allowing them to tailor their rewards based on their preferences and financial needs.
• No Annual Fee: The absence of an annual fee enhances the card's value proposition, ensuring that cardholders can enjoy its benefits without the burden of additional costs.

Cons

• Prime Membership Dependency: The card's rewards structure relies exclusively on having an Amazon Prime membership. This limits the card's appeal to those who are not Prime members, as they won't earn any rewards.
• Restricted Usage: As a store card, its utility is confined to Amazon.com and affiliated brands, limiting its acceptance and usability outside of the Amazon ecosystem.
• High Regular APR and Special Financing Complexity: The card's standard Annual Percentage Rate (APR) is relatively high, and special financing options involve deferred interest. This complexity can lead to potential financial pitfalls if not managed carefully, impacting the overall cost of using the card.

How Does the Amazon Store Card Stack Up?

Amazon Store Card vs. Amazon Prime Rewards Visa Signature Card**

• The Amazon Prime Rewards Visa Signature Card* offers an enticing 5% cash back on purchases at Amazon.com and Whole Foods Market for eligible Prime members. Additionally, it provides 5% cash back on Chase Travel purchases, 2% cash back at restaurants, gas stations, drugstores, and local transit and commuting, and 1% cash back on other purchases.
• With the opportunity to earn 10% back or more in bonus rewards on rotating categories and Amazon.com products, this Visa card is versatile and accepted widely. There's no annual fee, but it requires an active Prime membership.
• While the Amazon Store Card* can be a stepping stone for building credit and earning rewards for those with less-than-stellar credit and existing Prime memberships, the Amazon Prime Rewards Visa Signature Card* generally offers superior benefits. However, individuals applying for the Visa card should consider Chase's 5/24 rule, which stipulates that having opened five or more cards from any issuer in the past 24 months might affect approval.

Amazon Store Card vs. Target RedCard™ Credit Card**

• For shoppers drawn to Target, the Target Red Card store credit card offers a 5% discount on both in-store and online Target purchases, regardless of membership status.
• Unlike the Amazon Store Card, which necessitates Prime membership for cash back, the Target Red Card immediately applies the 5% discount during checkout. This distinct advantage streamlines the savings process, as opposed to the Amazon Store Card's delayed rewards redemption.
• Further enhancing the appeal of the Target Red Card, it grants free shipping for online Target orders and extends the return or exchange window by 30 days. Moreover, the card imposes no annual fee.

Amazon Store Card vs. Capital One® Walmart Rewards® Card**

• For those opting for Walmart.com over Amazon.com, the Capital One Walmart Rewards Card offers an attractive alternative. It yields 5% back on Walmart.com & in the Walmart app, including grocery pickup and delivery, 2% on restaurant and travel expenses, and at Walmart Stores, Walmart & Murphy USA fuel stations, with 1% back on other purchases. Unlike the Amazon Store Card, the Capital One Walmart Rewards Card can be used wherever Mastercard is accepted, enhancing its versatility.
• With no annual fee and the absence of foreign transaction fees, the Capital One Walmart Rewards Card is a favorable option for individuals with good-to-excellent credit who frequently shop at Walmart.com. In scenarios where Walmart.com takes precedence, this Capital One card emerges as a strong contender against the Amazon Store Card.