Does the Amazon Prime Store have an annual fee?

No. Our record lists a $0 annual fee for the Amazon Prime Store.

Is the Amazon Prime Store worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $600 before credits, including a welcome bonus valued at $0. Year two drops to about $600 before credits.

What credit do I need for the Amazon Prime Store?

Our record lists "Fair to Excellent" credit as the typical target for the Amazon Prime Store. Synchrony makes the final decision based on its own criteria.

Amazon Prime Store Card

Synchrony

No Annual Fee

Annual Fee

otherFair → Excellentno-annual-fee5 months ago

Welcome Offer

(≈ $100)

OpenCard analysis

Is the Amazon Prime Store Card right for you?

The Amazon Prime Store is a no-annual-fee rewards card from Synchrony. It earns a flat 5x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (5x) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$600

Annual fee (year 1)

−$0

Year 1, before credits

$600

Year two, without the welcome bonus: about $600 before credits ($600 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 5x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

Capital One VentureOne Rewards →

Capital One, same $0 annual fee; earns 1.25x on everything.

PenFed Gold Visa →

PenFed Credit Union, same $0 annual fee; earns 1x on everything.

Compare side by side →

Frequently asked questions

Does the Amazon Prime Store have an annual fee?: No. Our record lists a $0 annual fee for the Amazon Prime Store.
What does the Amazon Prime Store earn?: A flat 5x on purchases.
Is the Amazon Prime Store worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $600 before credits, including a welcome bonus valued at $0. Year two drops to about $600 before credits.
What credit do I need for the Amazon Prime Store?: Our record lists "Fair to Excellent" credit as the typical target for the Amazon Prime Store. Synchrony makes the final decision based on its own criteria.

Earning Rates

5×Amazon.com purchases (Prime members)5% cash back on Amazon.com purchases

5×Whole Foods Market (with promo code)5% back at Whole Foods with eligible Prime membership

Other Benefits

Special financing

0% intro financing on eligible Amazon purchases $800+ for 24 months

Insurance

Sources

Last Updated: Apr 27, 2026