Amazon credit cards are issued by different banks depending on which card you have. The Amazon Prime Visa and Amazon Visa are issued by JPMorgan Chase. The Amazon Store Card and Amazon Secured Card are issued by Synchrony Bank. And Amazon’s business credit cards are transitioning to U.S. Bank.
Chase Issues the Amazon Visa Cards
If you carry an Amazon Prime Visa or a standard Amazon Visa, your card is issued by JPMorgan Chase. Both cards run on the Visa network, meaning you can use them anywhere Visa is accepted, not just on Amazon. You’ll manage your account, make payments, and handle disputes through Chase’s website or mobile app. Your credit limit, interest rate, and account terms are all set by Chase.
The Prime Visa is available to Amazon Prime members and offers higher rewards rates on Amazon purchases, while the standard Amazon Visa is open to anyone. Despite the different reward structures, both cards come from the same issuer.
Synchrony Bank Issues the Amazon Store Card
The Amazon Store Card and the Amazon Secured Card are issued by Synchrony Bank, not Chase. This is where confusion often comes in, because both cards carry the Amazon name but come from completely different banks.
The Store Card is a closed-loop card, meaning it can only be used for purchases on Amazon and at Whole Foods. Because it’s not on a major payment network like Visa or Mastercard, you can’t swipe it at a gas station or restaurant. You manage this card through Synchrony’s portal. To access your account, you log into Amazon.com and click through to “Manage at Synchrony Bank,” where you’ll use a separate Synchrony user ID and password to view statements, make payments, and update your information.
The Amazon Secured Card, designed for people building or rebuilding credit, is also issued by Synchrony and works the same way from an account management standpoint.
U.S. Bank Issues the Business Cards
Amazon’s small business credit cards are issued by U.S. Bank and run on the Mastercard network. This is a newer arrangement. Amazon transitioned its business card products to U.S. Bank, moving away from the previous issuer. If you have an Amazon Business credit card or a Prime Business card, your account relationship is with U.S. Bank, and you’ll use their systems for payments and account management.
Why the Issuer Matters
Knowing which bank is behind your card affects several practical things. When you need to make a payment outside of Amazon’s website, you’ll go to Chase, Synchrony, or U.S. Bank depending on your card type. If you have a billing dispute or need to request a credit limit increase, you’re dealing with that specific bank’s customer service team, not Amazon’s.
Your card’s issuing bank also reports to the credit bureaus under its own name. So your credit report will show an account with Chase, Synchrony, or U.S. Bank rather than with Amazon. If you’re monitoring your credit and see an unfamiliar bank name, that’s likely your Amazon card.
For Canadian shoppers, the Amazon.ca Rewards Mastercard is issued by MBNA, which is a separate arrangement entirely from the U.S. card products.
Quick Reference by Card Type
- Amazon Prime Visa: Issued by Chase, Visa network
- Amazon Visa: Issued by Chase, Visa network
- Amazon Store Card: Issued by Synchrony Bank, Amazon/Whole Foods only
- Amazon Secured Card: Issued by Synchrony Bank, Amazon/Whole Foods only
- Amazon Business / Prime Business: Issued by U.S. Bank, Mastercard network