Amazon Secured Card Review 2025 | Worth It or Leave It?

Build credit while shopping where you already spend with the Amazon Secured Card from Synchrony Bank, designed for people with poor or limited credit who want low-cost, reliable progress toward better scores. Reporting to all three major credit bureaus, it turns every on-time payment into a step forward, with a fixed 10% APR far below typical secured cards for those who may carry a balance. No annual fee and a minimum deposit of just $100 make it easy to get started, and after 12 months of responsible use, you may graduate to an unsecured Amazon Store Card, unlocking your deposit. Amazon Prime members earn 2% cash back on Amazon and Whole Foods purchases, adding extra value for loyal shoppers. But it’s limited to Amazon use only, caps credit limits to deposits of $1,000, cuts rewards entirely for non-Prime customers, and risks with Synchrony Bank’s account management history should be considered. Special financing offers can turn costly if deferred-interest traps are triggered. Whether this card becomes your credit-building ally or a subtle liability depends on what unfolds at the very end.

Pros:
- Reports to all three major credit bureaus
- Fixed 10% APR, lower than most secured cards
- No annual fee
- Minimum deposit starts at $100
- Potential graduation to unsecured card after 12 months
- 2% cash back for Prime members on Amazon and Whole Foods

Cons:
- Closed-loop, usable only on Amazon and Whole Foods
- No rewards without Prime membership
- Maximum limit tied to deposit, capped at $1,000
- Risky deferred-interest financing offers
- Reports of account closures or payment issues with Synchrony Bank

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