Does Amazon Do A Hard Credit Check?

What is the easiest department store credit card to get?

Let’s take a look at a few good options.

Here are some of the easiest department store credit cards to get: Target REDcard: For people with fair credit or better.

5% off at Target and Target.com..

Is a Amazon credit card worth it?

All things considered, if you’re someone who shops a lot on Amazon and/or if Whole Foods is your go-to grocer, it’s worth considering one of the Amazon Rewards cards — especially if you’re a Prime member. Prime Rewards card at a glance: … Annual fee: $119 Amazon Prime membership. Bonus: $70 Amazon gift card.

Is Amazon card a hard inquiry?

When you went outside of Amazon to Chase, they did a hard pull on their side which is what you saw. You’ll see a hard inquiry for both, but not necessarily on all three agencies (Experian, TransUnion and Equifax). … Amazon Chase, is obviously through Chase bank. Amazon Store Card is through GE Money.

Does Amazon affect credit score?

Amazon will report your balance and payment information to the major consumer credit bureaus (Experian, TransUnion and Equifax). And with responsible use, the card will add to your positive credit information and you could see your credit score climb.

Will applying for an Amazon credit card affect my credit score?

Getting the card will make your credit score drop slightly for a very short period of time, but assuming that you’re not getting a mortgage or a car loan in the next few months, it’s really nothing to worry about.

What credit company does Amazon use?

Synchrony BankThe Amazon branded cards are issued by Synchrony Bank, a division of GE Capital. Synchrony Bank pulls almost exclusively from TransUnion. They do report payment history to all 3 of the major credit reporting agencies.

What is the catch with Amazon credit card?

There is a small catch: The 5% cash back benefit, which also applies to Amazon.com purchases, is only available to active members of Amazon Prime, a subscription program that offers free two-day shipping, access to streaming video and music, and a variety of other Amazon-specific perks for $119 a year.

Is an Amazon credit card good?

The good. With no annual fee or foreign transaction fees, this card offers major opportunities for cash back. As a Prime member, you get 5% back on purchases at Amazon.com and Whole Foods, 2% back at restaurants, gas stations and drugstores, and 1% back on all other purchases.

What credit score do you need to get approved for Amazon?

640 or higherA score of 640 or higher is the credit score needed for the Amazon Store Card. The better your credit score is, the higher your approval odds will be.