Amazon credit cards

Amazon is less well-known for financial products but it also offers credit cards which are supplied by MBNA. These are particularly competitive if you are a regular Amazon user, who is vigilant about paying off your monthly balance, as they allow you to collect loyalty points and vouchers which can be redeemed on the site. You can also benefit from initial interest-free purchases whether you are using your card to buy from Amazon or elsewhere.

Compare Amazon credit cards - Sorted by APR

Guide to Amazon credit cards

Amazon Credit Cards

Applying for an Amazon credit card is as quick and easy as using the website to shop. You will need to click on the application on the website at Amazon.co.uk and fill in the required details. This will trigger an automatic credit search which, if passed, will also determine the level of borrowing you are offered on the card.

Read more

The perks of an Amazon credit card

The Amazon credit card also serves as a loyalty card for dedicated users of the website. For example, just by signing up for an Amazon credit card, you will automatically receive a certificate which will secure you £5 off your next Amazon.co.uk purchase.

The Amazon credit card will then provide you with two Loyalty Points for every £1 spent at Amazon.co.uk and one Loyalty Point for every £1 spent elsewhere.

When you have accumulated 1,000 Loyalty Points, you will be automatically emailed a £10 Amazon.co.uk gift certificate which, again, can be redeemed against any purchase made on the site.

For the first 13 months of opening your Amazon credit card account, you will benefit from 0% interest on purchases of individual items costing £300 or more, so long as they are made within the first 30 days of opening your account.

But, while you can use your Amazon credit card to shop anywhere (it is actually part of credit card provider giant, MBNA), purchases that are not made at Amazon.co.uk will be charged at a representative annual percentage rate of 16.9% (variable).

Shopping around for the right credit card deal

This means that, while frequent users of Amazon.co.uk who pay off their balance every month, may benefit from the perks of the Amazon credit card, other shoppers may be better suited to a deal that offers broader appeal.

For example, a little shopping around on a comparison website like MoneySupermarket will reveal that some credit cards offer long interest-free periods on balances transferred from another credit card. They also offer 0% on purchases made at any retailer (not just Amazon) for a given time.

Regulation

Like all other MBNA credit cards, the Amazon credit card falls under Financial Services Authority (FSA) regulation. This also means that cardholders will be offered protection under the 1974 Consumer Credit Act, so if goods or services you buy with the card become lost, stolen or damaged, you have an equal claim for a refund against the card provider as you do the retailer. This is so long as the goods or services cost between £100 and £30,000.

The more recently-introduced Consumer Credit Directive will top up this protection to £60,260. In both cases you will be protected even if just the deposit is paid for using the card.

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close