Which Bank Issues the Amazon Credit Card and How That Matters

Amazon's credit cards are issued by two different banks depending on which card you choose

The Amazon Prime Visa and the Amazon Prime Store Card are issued by different banks, and that difference affects where you can use them and what happens when something goes wrong. The Prime Visa is issued by Chase Bank, while the Prime Store Card is issued by Synchrony Bank. If you have an Amazon credit card but are not sure which one, check your card itself — the issuer's name appears at the bottom.

This matters because the bank that issues your card is who you call if you have a problem, who sets your credit limit, and who decides whether to increase your rewards or change your terms. It also determines which customer service team handles your account and what protections apply to your purchases.

Key Takeaways

• Chase Bank issues the Amazon Prime Visa, which works everywhere Visa is accepted, both online and in stores.
• Synchrony Bank issues the Amazon Prime Store Card, which only works on Amazon.com and at Whole Foods.
• The bank that issues your card is the one you contact for billing questions, disputes, or credit limit changes — not Amazon itself.
• Both cards offer different rewards rates depending on where you shop, so the card you choose depends on whether you want rewards everywhere or just at Amazon.

Chase Bank issues the Amazon Prime Visa card

The Amazon Prime Visa Card is a Visa credit card issued by Chase. Because it carries the Visa logo, you can use it anywhere that accepts Visa — grocery stores, gas stations, restaurants, online retailers, and thousands of other places. You are not limited to Amazon.

When you use this card, you earn rewards at different rates depending on where you shop. At Amazon and Whole Foods, you earn a higher percentage back. At other stores and restaurants, you earn a lower percentage. The exact rates change occasionally, so check your cardholder agreement or the Amazon website for current rewards.

If you have questions about your account, need to dispute a charge, or want to request a credit limit increase, you contact Chase, not Amazon. Chase handles all the banking functions — they set your interest rate, decide your credit limit, and manage your account.

Synchrony Bank issues the Amazon Prime Store Card

The Amazon Prime Store Card is issued by Synchrony Bank and works only at Amazon.com and Whole Foods stores. You cannot use it at other retailers. This card is designed for people who do most of their shopping at Amazon and want higher rewards there.

The Store Card typically offers a higher rewards rate at Amazon than the Visa card does, but only at Amazon. At Whole Foods, the rewards rate is the same as the Visa card. Outside those two places, the card does not work at all.

Like the Visa card, Synchrony is the bank you contact for account issues. They manage your credit limit, set your interest rate, and handle disputes or billing questions. Amazon does not manage the card itself — Synchrony does.

How the bank that issues your card affects customer service

When you call about your Amazon credit card, you are calling the bank that issued it, not Amazon's customer service. If you have the Chase Visa, you call Chase. If you have the Synchrony Store Card, you call Synchrony. This is important because each bank has different phone numbers, different hours, and different processes.

The bank handles disputes if you see a charge you do not recognize, processes requests to increase your credit limit, and manages your account if you want to change your payment due date or set up automatic payments. Amazon can see that you used an Amazon credit card to make a purchase, but they do not manage the card itself.

Both Chase and Synchrony offer online account management through their websites or apps, separate from Amazon's website. You log in with your card number or account number to see your balance, make payments, and view your statement.

The difference between a Visa card and a store card

The key practical difference is where you can use each card. The Chase Visa works everywhere Visa is accepted worldwide. The Synchrony Store Card works only at Amazon and Whole Foods. If you travel, shop at multiple retailers, or want one card that works almost everywhere, the Visa makes more sense. If you do almost all your shopping at Amazon, the Store Card offers higher rewards there.

Both cards charge interest on balances you do not pay off each month, and both report your payment history to the credit bureaus. The interest rates and fees vary between the two cards, so compare them before you decide which one to open.

What to do if you are not sure which card you have

Look at your physical card. At the bottom, you will see either "Chase" or "Synchrony" printed there. You can also log into your Amazon account, go to your payment methods, and look at your card details — the issuer is listed there. Or call the customer service number on the back of your card; they will tell you which bank issued it.

If you have lost your card or do not have it handy, you can also check your credit report. Both Chase and Synchrony report to the credit bureaus under their own names, so your credit report will show which bank issued your Amazon card.

Frequently Asked Questions

Can I use the Amazon Prime Store Card anywhere besides Amazon and Whole Foods?

No. The Store Card only works at Amazon.com and Whole Foods stores. If you try to use it elsewhere, it will be declined. The Chase Visa card works everywhere Visa is accepted, so choose based on where you shop most.

Who do I call if I think someone used my Amazon credit card without permission?

Call the bank that issued your card — Chase for the Visa, Synchrony for the Store Card. The number is on the back of your card. Do not call Amazon. The bank handles fraud disputes and can freeze your card immediately if needed.

Does Amazon customer service handle billing problems with my credit card?

No. Amazon handles problems with your order, but the bank handles problems with your card itself. If you have a billing question, a dispute, or a credit limit issue, contact the bank that issued your card, not Amazon.

What happens if I close my Amazon credit card account?

Contact the bank that issued your card to close it. Closing the account does not affect your Amazon account or your ability to shop there — you can still use other payment methods. The bank will confirm the closure and stop charging any annual fee if your card has one.

Can I have both the Chase Visa and the Synchrony Store Card at the same time?

Yes. Some people carry both because the Visa works everywhere while the Store Card offers higher rewards at Amazon. Having both means you can choose which card to use depending on where you are shopping. Each card has its own account with its own bank.