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Amazon credit card review

Find out how Amazon has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What does the Amazon credit card offer?  How does Amazon compare to other providers? Is Amazon a good credit card provider?
Which reward credit card is best? How we calculate Amazon's customer score and ratings Amazon credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What does the Amazon credit card offer? 

Amazon offers the Platinum Mastercard, which is a reward credit card that allows users to earn Amazon Reward Points on their spending.

You can collect 1.5 Amazon Reward Points (or three if you are a Prime member) for every £2 you spend at and 0.5 Amazon Reward Points for every £2 spent elsewhere. These points can then be turned into Amazon vouchers.

New customers can get a £10 Amazon gift card (£20 if you're a Prime member) and there’s no annual fee. The representative APR is 21.9%.   

  • You can compare the Amazon credit card, along with other great reward deals, on Which? Money Compare.

How does Amazon compare to other providers?

Amazon credit card customers gave the brand a slightly below-average score of 66% in our latest credit card satisfaction survey, leaving the provider towards the bottom of our table in joint 25th place.

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Amazon review
Which? Customer Score
=25th out of 30 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Amazon a good credit card provider?

Our survey also reveals how Amazon customers rated the provider across 10 categories. 

Find out in the table below how Amazon scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Amazon credit card satisfaction ratings


Star rating

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer Service

3 out of 5

Application Process

3 out of 5

Clarity of Statement

3 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

2 out of 5

Dealing with complaints

3 out of 5

Ability to manage online

3 out of 5

Ability to manage by mobile app

3 out of 5

Ability to manage by telephone banking

3 out of 5

Charges for using your credit card abroad

3 out of 5

Which reward credit card is best?

Below are the top five reward credit cards on the market right now.

How we calculate Amazon's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Amazon credit card FAQs


Does Amazon offer an eligibility check?


Yes, you can check how likely you are to be accepted for an Amazon credit card without impacting your credit score.


Where are Amazon credit cards accepted?


Amazon issues its credit card on the Mastercard network so you will be able to use the card in millions of places in the UK and abroad.


What are Amazon Reward points worth?


Collecting 1,000 Amazon Reward Points will earn you a £10 gift card.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.