About Amazon Credit Builder

The Amazon.com Store Card Credit Builder and Amazon Prime Store Card Credit Builder are secured versions of the Amazon.com Store Card and Amazon Prime Store Card respectively.

A secured credit card is designed for people who are looking to build or rebuild their credit and is backed by a refundable security deposit made when the account is opened. The deposit is equal to the credit limit. The Amazon.com Store Card Credit Builder and Amazon Prime Store Card Credit Builder are secured versions of the Amazon.com Store Card and Amazon Prime Store Card respectively. The Amazon Credit Builder functions and looks like the Amazon Store Card, with the exception that the credit line on the Amazon Credit Builder card will equal the amount of the refundable security deposit that you must maintain with Synchrony Bank. Continued and responsible use of the secured Amazon Credit Builder can help you build your credit history.

As an Amazon Credit Builder cardholder, you will enjoy the same benefits as you would on the Amazon Store Card (promotional financing for cardholders without an eligible Prime membership, and promotional financing or 5% back every day for cardholders with an eligible Prime membership). Learn more about upgrading to the unsecured Amazon Store Card.

Building Credit with Amazon Credit Builder

Synchrony Bank will report to the major credit bureaus whether you make at least the minimum payment due on time every month. Building a history of on-time payments can help build your credit. As a cardholder, you have several tools at hand to help you learn to build your credit through responsible usage. To learn more about using credit responsibly, please visit the Credit Education page. You can also monitor your credit score and simulate how your credit score could change based on your actions by registering for TransUnion CreditView™ once your card is open.

Difference Between Amazon Credit Builder and Debit or Prepaid Cards

Unlike a debit card or a prepaid card, a secured credit card is an actual credit card. You need to make monthly payments on your balance (ideally the full balance, but at least the minimum payment due each month) by the payment due date. Synchrony Bank reports your credit activity to the major credit bureaus-providing the opportunity to build your credit, with responsible use.

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