Manage Your Amazon Credit Card Account – Tips and Tricks

Updated October 6, 2023

Credit cards are often a necessary evil, but Amazon has made it easier to manage your account. But there is a complete science behind Amazon credit card account. Managing your Amazon credit card account needs you to pay attention to some details.

That is why we are here with a detailed guide covering all the queries related to credit card account of Amazon. Let’s dive into the details.

What is Amazon Credit Card Account?

An Amazon credit card account is a charge card, which means that you must pay at least the minimum payment due on your account every month. No interest charges will be incurred; however, if you have a balance remaining on your account and fail to pay it off in full by the next billing cycle (usually one month), you may be charged a finance charge. Amazon also offers a rewards credit card you can use in addition to your gift card balance.

How to Access Your Amazon Credit Card Account?

Amazon Prime Store Cards

Login to your amazon account at Go to the “Accounts and Lists” section, then click on “Your Account” Look for “Apply a Gift Card Balance” in the payment information section and click on it. Enter your credit card billing address and click on the Apply button. You can also choose from a variety of options to send an email or print your gift card information.

Special Features of Amazon Credit Card Account

The Amazon Credit Card affiliate program allows you to earn money by referring users to their website. You can start earning a commission right away. You can also take advantage of the APR rate that is available to you as a member.

This affiliate program comes with an introductory offer that offers three percent cash back on all purchases until your account anniversary date when your cash back will go down to one percent, but if you use the rewards certificate before your sixth billing cycle and pay off the balance, your APR rewards will increase to one and a half percent on all purchases.

Benefits of an Amazon Credit Card Account

Some of the benefits that comes with an Amazon Credit Card Account are as follows:

  • You can shop on without using your credit card.
  • Earn 3% cash back on all purchases until the first anniversary date from when you opened your account if you pay off the balance before your sixth billing cycle.
  • Expect no annual fees ever.
  • You earn a $50 gift card credit when you open your account and make at least $1,000 in purchases on the Card within 3 months.
  • You can choose from three types of introductory offers: A standard offer, an exclusive offer for pre-qualified customers, and an exclusive offer for new card members.
  • The rewards certificate you get when you pay off your balance will never expire. There is no limit to the amount of rewards you can earn and redeem.
  • You can redeem your cash back on any purchase at or use it as a gift card to give friends and family during special occasions like Christmas or Thanksgiving.
  • You can get help from an Amazon rewards credit card.

What is Interest Rate on Amazon Credit Card?

Amazon credit card offers a 6-month introductory interest rate at 0%, after which your APR will be between 14.49% – 24.50%. You must pay at least the minimum payment due on your account every month in order to avoid paying an over-the-limit fee of $12 and a returned item fee of $10.

How Amazon Credit Card Rewards Program Works?

First 5,000 customers to sign up for an Amazon Prime Rewards Visa Signature credit card will receive a free $70 Amazon gift card. Annual fees are $0 for the first year and then $95 every year after that. You also get rewards points with your purchases made at and at other eligible vendors that accept Visa.

How to Check your Amazon Credit Card Balance?

You can check your amazon credit card balance in three ways:

  1. Go to your Amazon credit card login with:
    2. Go to the “Accounts and Lists” section, then click on “Your Account”.
    3. Look for your credit card account in the payment information section.
    4. Click on it

How to Pay Through Amazon Credit Card?

To pay off your balance, follow these instructions:

  1. Log in at
    2. Go to the “Accounts and Lists” section, then click on “Your Account”.
    3. Look for your credit card account in the payment information section.
    4. Click on “make a payment”.

How to Save Money with Amazon Credit Card Account?

Paying for things with a 0% APR credit card can save you money in the long run if you use your card to make large purchases that will take years to pay off. If you regularly carry a balance, it might be wiser to just pay off your amazon credit card amount in full every month and try not to use your card frequently.

Tips for Using Amazon Credit Card Account

1. Carrying a Balance

If you don’t want to have the stress of making sure that you always have enough money in your checking account for payments, then it is probably better that you carry some sort of credit card debt. Credit cards typically have much higher interest rates than loans, but they are easier to obtain and you are charged no fee for carrying a balance each month.

If your credit limit is $1,000 or more, then it is probably better that you carry some sort of credit card debt because the rewards given on amazon/amazon prime purchases will likely outweigh the interest you pay. Paying off your remaining credit card balance in full can be a hassle if your amazon primes purchases total $500 or more each month, so if this is the case then it might be best to just carry a little bit of credit card debt and use the rewards to save money on future Amazon Prime purchases.

2. Be Alert of Credit Card Fraud

If you are concerned about your credit card being hacked, then just make sure that you use good passwords on all of your accounts and don’t share your personal information online. Also, contact amazon right away if you see any suspicious activity on your account or have any other concerns.

3. Things to Take Note of

If you have an Amazon Credit Card account, it will automatically be linked with your amazon prime membership account so you can earn points while using them on If you do not have an Amazon Credit Card Account, you can still earn rewards while using your amazon gift card balance on purchases made at because both are purchased using the same form of payment–your credit card account.

4. Making Multiple Purchases in a Row

If you want to make a bunch of purchases and earn rewards for everything, then all of your amazon prime orders should be in one order/one shipment (not split up into multiple shipments). Although Amazon does not have an official policy on this, some users might get their transactions flagged by the system if they make multiple purchases in a row, and they might not get their rewards on their later purchases even though they are eligible.

There’s nothing stopping you from making multiple amazon prime orders at once because Amazon will only refund you the shipping fee for one of your shipments if you return everything, but some users might still have problems with their transactions getting flagged or voided if they do this. If you want to make multiple orders at once, then just pay attention to your rewards and avoid getting your transactions flagged by the system.

You still shouldn’t split up a single order into multiple shipments because that will count as one transaction in the eyes of Amazon, but it’s okay to make multiple orders at once as long as you pay attention to your rewards.

How Many Gift Card Balance Can You Load on Your Account?

You can load a maximum amount of $1,000 in one day and $2,000 in one month. However, if you are planning to go over this limit make sure to subscribe to auto-delivery items and opt-in for the Amazon Prime membership which can save you up to 25% in shipping costs.

What Can You Not Do with the Amazon Credit Card?

There are things related to amazon credit card which are not allowed:

  • Avoid making purchases outside of Amazon, like buying from or other sites that sell amazon gift cards.
  • You can’t use your gift card balance to buy an amazon credit card so you need to apply for a new one if you are planning on increasing your Amazon credit card limit.
  • Avoid adding additional credit cards and also removing the ones that you have. Doing so will not update your credit card information and it will make treat the gift card balance as an invalid payment method.
  • Avoid purchasing items from different sellers using one order because this may be seen as fraud to Amazon.
  • If you think that you need to get a refund for the gift card or if your order doesn’t arrive, better contact amazon.
  • What Can You Buy with Your Gift Card Balance?
  • You can only use your gift card balance to purchase items sold by Amazon and shipped by Amazon, including items bought from other sellers on the Amazon Marketplace using “Add to Cart” and those with “Sold by Amazon” as the seller. You cannot use your gift card balance to purchase services, digital products like Kindle or MP3 downloads and subscriptions.

How to Use an Amazon Credit Card Account?

There are thousands of products on amazon that can be purchased using your Amazon credit card account. You can easily find them in the search box located at the top of any page. Just type what you are looking for, and voila! There’s your products.

How to Return Amazon Prime Purchases?

Like many online sellers, Amazon does not offer free returns for all products. If a product is eligible for return and is sold by amazon, then you will be able to find the return policy on that individual product page. If you are dissatisfied with an Amazon exclusive product, then you can get a refund on the purchase price as long as you return the item within 30 days of your order date.

You won’t lose any money from Prime benefits for 30 days if you return something that was sold by amazon and eligible for return on their site, but after the 30-day period expires, then you can lose some or all of your Prime benefits if you return the item.

If you are dissatisfied with an “Amazon’s Choice” or “Fulfilled by Amazon” product, then contact the seller first because they might be willing to offer a refund just like Amazon would.

How to Track Your Orders?

If an order is eligible for Prime Now 2-hour delivery, then you can track the status of it on your account by going to Your Orders and scrolling down to find the item that you ordered in question.

You can also search just for “prime now” items if you want to see which orders are currently being fulfilled by prime now. If an order is eligible for return, then you can find the return instructions on each individual product page.

How to Load a Gift Card Balance onto Your Account?

You have three ways of loading a gift card balance onto your account:

1) Purchase e-gift cards from third party sellers on Amazon;

2) Transfer money from your bank account into your amazon credit card; and

3) Receive an Amazon gift card from friends and family.

How to Check Your Amazon Credit Card Account Balance?

Go to the checkout page on, sign in to your account, then enter your credit card information and continue with the rest of the steps until you go through with the purchase. At this point, it will ask if you want to use your gift card balance to make that purchase.

If so, you will then enter the amount of money (in whole dollar amounts) in your gift card balance using a drop down menu and complete your purchase as normal with your Amazon credit card.

How to Manage Your Account Balance?

Step 1: Log into your account on and click on your name directly below the phrase, “Your Account.” This should bring you to your account summary page.

Step 2: Under Manage Your Content and Devices under Payment Settings, click on View your Gift Card Balance. This will take you to another page where you can see how much money is available on your gift card balance. How do you know if you have enough money in your account to make a purchase? It will tell you right before you go through with the rest of the checkout process. If your balance is not enough, add more money to your gift card balance!


We hope this article has given you some helpful tips for managing your Amazon credit card account. We would love to hear from you in the comments below. What other questions do you have about how to manage an Amazon credit card? Feel free to drop your questions in the comments section.

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