Does the Amazon Store have an annual fee?

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

Is the Amazon Store worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $120 before credits, including a welcome bonus valued at $0. Year two drops to about $120 before credits.

What credit do I need for the Amazon Store?

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

Amazon Store Card

Synchrony

No Annual Fee

Annual Fee

visaGoodno-annual-fee5 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Amazon Store Card right for you?

The Amazon Store is a no-annual-fee rewards card from Synchrony. It earns a flat 1x 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 (1x) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$120

Annual fee (year 1)

−$0

Year 1, before credits

$120

Year two, without the welcome bonus: about $120 before credits ($120 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1x, 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 Store have an annual fee?: No. Our record lists a $0 annual fee for the Amazon Store.
What does the Amazon Store earn?: A flat 1x on purchases.
Is the Amazon Store worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $120 before credits, including a welcome bonus valued at $0. Year two drops to about $120 before credits.
What credit do I need for the Amazon Store?: Our record lists "Good" credit as the typical target for the Amazon Store. Synchrony makes the final decision based on its own criteria.

Earning Rates

1×Amazon.com