Amazon Credit Card – Quick & Easy Online Application

If you shop often on Amazon, you might have noticed the option to apply for the Amazon Credit Card. This card is designed to give you cashback or rewards every time you shop, both on Amazon and in other stores.

It’s easy to apply online, and the process takes only a few minutes. Once approved, you can use the card right away for your purchases.

In this guide, I’ll explain how the Amazon Credit Card works, its benefits, fees, and the exact steps to apply online.

What is the Amazon Credit Card?

The Amazon Credit Card is a standard credit card that also works as a rewards card. It’s issued in partnership with a bank (in the UK, it’s NewDay Ltd) and comes with benefits linked to Amazon shopping.

You can use it anywhere Mastercard is accepted, not just on Amazon. The main difference is that you earn more rewards for Amazon purchases than for other spending.

Benefits of the Amazon Credit Card

• Earn rewards on every purchase – higher on Amazon orders

• No annual fee for most versions of the card

• Quick approval process when applying online

• Special financing options on large Amazon purchases

• Access to offers and promotions exclusive to cardholders

If you spend a lot on Amazon, the cashback or points you earn can add up quickly.

How the Reward System Works

When you use the Amazon Credit Card, you earn Amazon Reward Points. These points can be redeemed for money off future Amazon purchases.

Example:

• 1,000 points might equal £10 to spend on Amazon

• Points are added to your account monthly

• You can apply them at checkout automatically

Types of Amazon Credit Cards

Amazon usually offers two versions of the card:

1. Amazon Platinum Mastercard

   • No annual fee

   • Earn points on Amazon and other purchases

   • Higher earning rate for Amazon Prime members

2. Amazon Classic Mastercard

   • Designed for people building credit

   • Lower credit limit at the start

   • Fewer perks but easier to qualify for

Step-by-Step: How to Apply Online

Applying for the Amazon Credit Card online is simple. Here’s how it works:

1. Go to Amazon’s official credit card page – Make sure you are logged into your Amazon account. Official Application Page

2. Click on “Apply Now” – This will take you to the secure application form.

3. Fill in your personal details – Name, date of birth, address history (usually the last 3 years).

4. Provide employment and income details – This helps the bank assess your credit limit.

5. Agree to a credit check – This is a standard part of all credit card applications.

6. Submit your application – You’ll usually get an instant decision.

If approved, you can start using your card immediately for Amazon purchases. The physical card will arrive by post within 5–7 working days.

Eligibility Requirements

To qualify for the Amazon Credit Card in the UK, you usually need:

• To be at least 18 years old

• A UK bank account

• A good credit history (for the Platinum card)

• A regular income

If you have limited credit history, the Classic card may be an option.

Credit Limits and Interest Rates

Your credit limit will depend on your income, credit history, and how the bank views your application.

Interest rates vary, but most UK Amazon Credit Cards have an APR of around 21.9% to 29.9% for purchases. Paying your balance in full each month avoids interest charges entirely.

Managing Your Amazon Credit Card Online

You can manage your account through the NewDay online portal or mobile app. From there, you can:

• Check your balance and transactions

• Make payments

• View reward points

• Set up direct debits

• Report lost or stolen cards

Extra Perks for Amazon Prime Members

If you have an Amazon Prime membership, you earn rewards faster:

• Higher points per £1 spent on Amazon

• Exclusive promotions and offers

This can make a big difference if you shop frequently and already pay for Prime.

How to Redeem Amazon Reward Points

Redeeming your points is straightforward:

• Log into Amazon

• Add items to your basket

• At checkout, choose “Use Your Rewards Points”

• The value will be deducted from your total

You can also choose to save your points for bigger purchases.

Pros of the Amazon Credit Card

• No annual fee for most versions

• High rewards for Amazon spending

• Fast online application process

• Works anywhere Mastercard is accepted

• Points redeemable directly at checkout

Cons of the Amazon Credit Card

• Lower rewards on non-Amazon purchases

• High interest rates if you carry a balance

• Requires good credit for the Platinum card

• Rewards are tied to Amazon spending only

Best Practices When Using the Amazon Credit Card

• Always pay in full each month to avoid interest

• Use it for Amazon purchases to maximise rewards

• Combine with Prime membership for faster earning

• Track your spending to stay within your limit

Security and Fraud Protection

The Amazon Credit Card comes with standard Mastercard security features:

• Fraud monitoring on transactions

• Zero liability for unauthorised purchases

• Ability to lock your card through the app

If you spot suspicious activity, contact the card issuer immediately.

What Happens if You’re Declined

If your application is declined, the bank will send you a letter explaining why. Common reasons include:

• Low credit score

• Too much existing debt

• Inconsistent income

You can improve your chances by paying bills on time, lowering your credit usage, and checking your credit report for errors.

Alternatives to the Amazon Credit Card

If you want broader rewards, consider:

• Barclaycard Rewards Credit Card – No foreign transaction fees, cashback

• American Express Cashback Everyday Card – Cashback on all purchases

• Halifax Clarity Credit Card – Good for overseas spending

Who Should Get the Amazon Credit Card

This card is ideal if you: Amazon Card Issuer

• Shop on Amazon often

• Already have Prime membership

• Pay your balance in full each month

• Want a quick online application process

If you rarely shop on Amazon, a general cashback or travel rewards card might be better.

Final Tips for a Successful Application

• Check your credit score before applying

• Make sure your address and personal details are correct on your credit file

• Have your income and employment details ready

• Apply when your credit score is stable, not after taking on new loans

By following these steps, you improve your chances of instant approval and can start earning rewards sooner.