Synchrony · Visa · personal · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Amazon.com
5% back on Amazon.com with an eligible Prime membership (or choose 0% APR equal-monthly-payment financing on the purchase instead of the 5%); the non-Prime Amazon Store Card earns no rewards
requires Prime membership
|
5% | 5% |
| Whole Foods Market
5% back at Whole Foods Market with Prime; pay in store by generating a code in the Amazon or Whole Foods app (accepted since Apr 2024)
requires Prime membership
|
5% | 5% |
| Everything else
Closed-loop store card: not accepted anywhere other than Amazon.com and Whole Foods Market
|
0% | 0% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- Store card: usable only at Amazon.com and Whole Foods Market — Closed-loop Synchrony store card; no card network, so foreign transaction fees do not apply.
- 0% APR equal monthly payments on Amazon purchases: 6 months on $50–$599.99, 12 months on $600+, 24 months on select purchases (instead of the 5%) — Deferred-interest 'special financing' was discontinued for Prime Store Card holders as of Feb 16, 2026; equal-monthly-payment plans remain.
- No annual fee
Protections
Notes
Synchrony-issued closed-loop store card (no Visa/Mastercard network; the 'network' field is a schema placeholder). Requires a Prime membership to earn the 5% — the same product without Prime is the 'Amazon Store Card', which earns nothing but still gets the financing plans. Accepted at Whole Foods Market since Apr 2024 via an in-app code. On each Amazon purchase you choose either 5% back or a 0% APR equal-monthly-payment plan, not both. Deferred-interest special financing (6/12/24 months, no interest if paid in full) was removed as of 2026-02-16 per cardholder notices reported by Doctor of Credit. Web-verified 2026-09-08 against https://www.cnbc.com/select/best-store-credit-cards/ (updated 2026-09-01: $0 annual fee, 5% back on Amazon.com and Whole Foods Market with Prime, $80 gift card on approval, equal-monthly-payment financing tiers), https://www.doctorofcredit.com/amazon-prime-store-card-to-lose-special-financing-option-as-of-february-16-2026/ and https://www.doctorofcredit.com/amazon-prime-store-card-now-accepted-at-whole-foods/. Amazon's own card page (amazon.com/dp/B07984JN3L) and amazon.syf.com would not render for automated fetching, so this is review-site verification only.
Verified 2026-09-08 · confidence medium · sources: 1, 2, 3, 4