I am sure you’ve heard of Amazon and the millions of products you can buy for cheap. If you’re trying to decide which credit card is best but also comes with no annual fee, perhaps this Amazon credit card review would help you along.

This online giant retailer offers several types of credit cards, and this review will look closely at the top three. Towards the end would be a link to the complete list of all credit card deals on that site. If you prefer to just go straight to the offerings – CLICK HERE!

Apart from the best store credit cards from Amazon, you can find credit solutions if you’re a public service organization or a business.

While the amazon.com credit cards can be used to make purchases anywhere, the best incentives occur when its used on Amazon.

While the no annual fee is standard on all the Amazon credit card account, other perks are tied to your shopping at this giant online super-store.

Here are the three main Types of Amazon Credit Card Offers

Amazon.com Store Card

This is a special card that can only be used on Amazon and it’s issued by Synchrony Bank. The bank used to be called GE Capital Retail Bank; the name change came into effect in June 2014.

With your Amazon store card you can finance most of your purchases except for software and games download, magazine and digital newspaper subscriptions, and Amazon Prime memberships.

If you frequently make most of your purchases online at this retailer, this best no fee credit card offers some unique advantages not found with other credit cards you can apply for online.

Advantages of using Amazon.com credit card

You get about $10 free money loaded into your account once it’s approved. During special promotions to get more members that amount goes up, so check this link to find the latest amount offered for new members.

If you make purchases of $149 to $598, your purchases qualifies for 0% APR for the first 6 months. Meaning if you pay-off your card balance within six months, you pay no interest charges.

For purchases that cost $599 or more, your free interest rate repayment period is extended to 12 months. In simple terms, you pay no interest charges if you pay your complete bill within twelve months of making your purchase.

Apart from the above two types of purchases with no interest charges; certain high end items are given special repayment periods that stretches to 24 months.

Other benefits include the ability to manage all your purchase activities online in real time. As the primary account holder, this best store credit card from Amazon has zero fraud liability.

If someone else uses your card at the giant retailer without your knowledge, you’re covered against those charges with no limitation in dollar amounts.

Filling out the credit card application is as easy as can be, and you can have instant decision within minutes of applying.

Disadvantages of Using Amazon.com Credit Card

The repayment period of six months or twelve months might seem long to you, but it comes quickly. Not making complete payments to cover those charges incurred triggers massive interest rate charges.

If you fail to pay off your accumulated charges within the allotted time-frame, the remaining balance incurs 25.99% rate, which is calculated from the date you made the purchase.

Meaning if you bought the $600 product in December 2014, any outstanding balance after twelve months will incur interest charges.

This store card is limited to purchases you make on Amazon.com. What about if you find better deals on the same item at another site? You’ll have to use other forms of payment to take advantage of those offers.

While the Amazon credit card account offers you the use of free money for the grace period, the interest charges for any unpaid balance can hit you hard financially.

The card offering from Amazon is highly regarded by most people that have tried it, but the negative reviews were from consumers that forgot about the grace period and got hit with high interest charges for any remaining balances.

The minimum interest charge is $1.50. So even if you have an outstanding balance of $5, your minimum interest charge will be at least 1.50.

What You Need to Qualify for a New Amazon Credit Card Account

Your credit profile must be cleared of all delinquent accounts.

Any bankruptcy listed on your profile must have been discharged.

You need to be at least 18 years old to apply.

You must have a valid social security number.

You need to wait at least 90 days after your first rejection before applying again.

To get your own no annual fee Amazon store card, click the link below

Amazon website

Amazon.com Rewards Visa

If you’re trying to determine which credit card is best, the Amazon rewards Visa card is worthy of consideration.

You can apply online and get a positive or negative response within minutes. Once approved, a $30 gift card is loaded onto your account and can be used instantly to make purchases at the online retailer.

This Visa card is issued by Chase bank and comes with other unique benefits. The rewards system from our research is as follows:

You get 3 points for every dollar you spend on Amazon

You get 2 points for every dollar you spend at drugstores, gas stations and restaurants

You get 1 point for every dollar you spend on other purchases

The best part of the points system is that they never expire, it has no maximum threshold. Your earned points can be redeemed for Amazon credits, instant cash back, and gift and travel cards.

You can use your rewards balance at Amazon checkout, and every 100 points equals $1 which can be applied towards your purchases at the site.

To apply or read some of the reviews from existing card members visit > Amazon.com Rewards Visa

Amazon.com Corporate Credit Line

For government institutions, schools, libraries, and businesses, the Corporate Credit Line Offered by Amazon is a better option to get all the supplies the entity needs.

Not only can you have multiple purchasers on the Amazon Corporate Credit Line program, the user and management options are far superior to other similar corporate credit card programs.

It has no annual fee, and your purchase records can be accessed online anytime from anywhere in real time. Other perks offered by this Amazon.com Corporate Credit Line are:

The organization can make payments based on purchase order numbers

You can access detailed management reporting within your account interface

You can add several buyers to the account and each purchase will be marked by who authorized it.

You’re able to create primary and secondary accounts for entities with multiple purchasers.

The entity can chose to pay in full every month or use the revolving credit line with minimum payment requirements.

The Corporate Credit Line offered by Amazon has a 55 day net billing terms, meaning if the bill is paid in full within 55 days you pay zero interest.

If the bill is not paid in full within the 55 days term, the remaining balance accrues interest charges at the rate of 12.99% which is for purchases.

Each corporate credit line account offered by Amazon comes with a dedicated account manager and 24/7 customer support services.

The only limitations on the corporate line of credit are the following products that cannot be purchased using the card:

E-documents
Software and games download
Online magazines and newspapers
All Cell phones and accessories
Prime memberships

To Apply Click > Amazon.com Corporate Credit Line

Amazon is a giant online retailer and many card programs are now offered on that site. We found more best credit cards with no annual fee you can find at this site.

The complete list of all offerings and terms can be accessed by going to > Complete List of Credit Cards and Payment Cards