![]() It’s worth noting that a) you can only use the Amazon Store Card on Amazon purchases, and b) if you go past the special financing period where you can get 0% APR, you will be hit up for 25% APR. ![]() Curiously, the ‘special financing’ option offers pretty much exactly the same thing, including the period of time within which the balance must be paid based on the size of the purchase, and also at 0% interest the only difference seems to be that the monthly payment amounts aren’t equal. The equal monthly payment option, as of the time of this writing, allows you to make equal monthly payments over 6, 12, or 24 months (depending on purchase size) at 0% interest. ![]() Otherwise they both have no annual fee, and they both offer both an ‘equal monthly payment’ option and a ‘special financing’ option. Pretty much the only difference between these two credit cards is that with the Amazon Prime Store Card you can opt to get 5% Amazon credit back on all of your Amazon purchases as an alternative to the financing options, with the non-Prime Amazon Store Card you get only the financing options. The Amazon Prime Store Card is what you get if you also subscribe to Amazon Prime, while people who don’t subscribe to Prime get the Amazon Store Card (no Prime), and this tracks automatically: if you have Amazon Prime you have the Prime Store Card, if you cancel Prime your store card becomes the not-Prime version, and vice versa.
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