The Synchrony Amazon Store Card offers a 5% cashback on Amazon purchases with no annual fee, though it comes with a high annual interest rate. Benefits are limited to Amazon purchases without introductory offers or balance transfer promotions.
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Best suited for frequent Amazon shoppers seeking direct cashback rewards.
By Harlon Drosghic Apr 2026
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Synchrony Amazon Store Card
Synchrony
- Annual Fee
- Free
- Cashback
- 5%
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.0/5
Score by category
Rewards
Cashback ★★★★★ 3.7/5
- Base Cashback Rate 5.0
- Caps & Limits 5.0
- Redemption Ease 4.0
- Bonus Categories 1.0
- Redemption Flexibility 3.0
Credit Building ★★★★★ 3.2/5
- Upgrade Path 2.0
- Credit Bureau Reporting 4.0
- Educational Tools 2.0
- Credit Limit Growth 3.0
- Approval Accessibility 4.0
Lower Fees ★★★★★ 2.9/5
- Annual Fee Value 5.0
- Cost Transparency 3.0
- Fee Waiver Potential 2.0
- Penalty Friendliness 2.0
- Foreign Transaction Fee 1.0
Purchase Perks ★★★★★ 1.9/5
- Installment Perks 2.0
- Merchant Discounts 3.0
- Everyday Usefulness 4.0
Travel Perks ★★★★★ 0.1/5
- No Foreign Tx Fees 1.0
Score by category
User Experience
★★★★★ 3.4/5
Score by category
User Experience
App / Experience ★★★★★ 3.4/5
- Ease of Navigation 4.0
- Self-Service 4.0
- Billing Clarity 3.0
- Feature Quality 3.0
- App Speed & Stability 3.0
Support Quality ★★★★★ 3.0/5
- Response Time 3.0
- Channel Availability 3.0
- Agent Professionalism 3.0
- First-Contact Resolution 3.0
- Resolution Effectiveness 3.0
Transparency ★★★★★ 3.0/5
- Terms Simplicity 3.0
- Billing Transparency 3.0
- Fee & Interest Clarity 3.0
- Charge Predictability 3.0
- Communication Clarity 3.0
Security & Control ★★★★★ 3.4/5
- Card Control Features 3.0
- Fraud Protection 4.0
- Virtual Card Experience 4.0
- Incident Resolution 3.0
- Real-Time Monitoring 3.0
Benefits Usability ★★★★★ 4.2/5
- Ease of Earning 5.0
- Ease of Tracking 4.0
- Real-World Value 4.0
- Rules Simplicity 4.0
- Ease of Redeeming 4.0
Pros & Cons Synchrony Amazon Store Card
Pros
- ✓High cashback rate on Amazon purchases
- ✓No annual fee
- ✓Contactless and virtual card available
Cons
- ✗High interest rate
- ✗Limited to Amazon purchases for rewards
- ✗No introductory offer or balance transfer benefits
Expert Analysis
AI Analysis
Citocred AI
The Synchrony Amazon Store Card offers a 5% cashback on Amazon purchases with no annual fee, though it comes with a high annual interest rate.
Full analysis
Benefits are limited to Amazon purchases without introductory offers or balance transfer promotions. Best suited for frequent Amazon shoppers seeking direct cashback rewards.
Best for
Amazon Prime members
Avoid if
Travel rewards seekers
AI-generated analysis · Methodology by Harlon Drosghic
Amazon Prime members
Travel rewards seekers
Frequently Asked Questions
Synchrony Amazon Store Card
What is the interest rate for the Synchrony Amazon Store Card?
What cashback rate does the Synchrony Amazon Store Card offer?
Does the Synchrony Amazon Store Card include airport lounge access?
Does the Synchrony Amazon Store Card include travel insurance?
What credit score is needed for the Synchrony Amazon Store Card?
Who should get the Synchrony Amazon Store Card?
Is the Synchrony Amazon Store Card worth it?
The Synchrony Amazon Store Card provides a set of benefits designed to add genuine value to your financial routine:
Cashback
5%
Contactless Payment
Virtual Card
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How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.