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Amazon credit card review

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

In this article
What do Amazon credit cards offer?  Changes to your card from January 2023 How does Amazon compare with other providers?
Is Amazon a good credit card provider? How we calculate Amazon's customer score and ratings Amazon credit card FAQs

What do Amazon credit cards offer? 

Amazon currently offers two credit cards issued by New Day Ltd: the Platinum Mastercard, which is a reward credit card, and the Classic Mastercard, which is a credit-builder card. Neither are currently open to new customers, but existing customers can continue to use them.

The Amazon Platinum Mastercard allows you to collect 1.5 Amazon Reward Points (or three if you're a Prime member) for every £2 spent at Amazon, and 0.5 Amazon Reward Points for every £2 spent elsewhere. For every 1,000 points you earn, you'll get a £10 Amazon gift card. The representative APR is 21.9% (variable), credit is subject to status and terms apply.

The Amazon Classic Mastercard is designed to help build your credit rating and comes with a representative APR of 29.9% (variable). If you make at least one transaction a month, make repayments on time and stay within your credit limit for 12 months, you'll be upgraded to the Amazon Platinum Mastercard. Credit is subject to status and terms apply.

Changes to your card from January 2023

In March 2022, New Day announced the partnership with Amazon will end in January 2023. 

All customers will be written to by New Day later in the year and will be able to close their account, or switch to New Day's Pulse Cashback credit card.

The Pulse card pays 1% cashback for the first three months and 0.25% after this point. The maximum amount you can earn a year is £150. There is no annual fee.

New Day told us that no changes are expected to your APR or credit limit and there will be no credit checks when you transfer over.

How does Amazon compare with other providers?

Amazon credit card customers gave the brand 60% in our latest credit card satisfaction survey, placing it towards the bottom of our table. 

Credit Cards
Amazon review
Which? customer score
=22nd out of 25 credit card providers
The Which? rating for customer satisfaction is 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 credit card 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 customer satisfaction category Star rating
Customer service  

3 out of 5

Application process

4 out of 5

Clarity of statement

3 out of 5

Transparency of charges and penalties

2 out of 5

Charges for using your card abroad

Dealing with complaints and resolving problems

2 out of 5

Dealing with queries

2 out of 5

Ability to manage account online

3 out of 5

Ability to manage account by telephone banking

2 out of 5

Mobile app on a smartphone or tablet

3 out of 5


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.

How we calculate Amazon's customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2022, which received 6,201 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 4,694 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

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

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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.


Can the Amazon credit card be used anywhere?


Amazon issues its credit cards on the Mastercard network, so you'll be able to use your card in millions of places in the UK and abroad.


What is the Amazon credit card limit?


You should get a £500 initial credit limit instantly upon approval for the card, as long as you pass the identity checks. You will be told your full credit limit when you receive your 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.