Amazon Store Card Reviews

It’s definitely not as nuanced as a bank credit card app, but as far as an app where you pay your bills is concerned it works just fine. MILES easier than the website used to be. Makes it easy to pay on time (or in my case way before time) with a click of a button. Even allows you to link between your bank’s app (probably depends on which bank you’re affiliated with actually) and this one so you can even pay through your bank instead of with this. This lets you set up recurring/automatic payments and that’s really nice. I won’t dock it a star because it may be user error and it’s not worth the deduction anyway but I wish AmazonStoreCard would let me make a payment sooner than it does. It recognizes that I have activity and yet the make a payment button is greyed out. It’s usually only for a day or two but that’s a long enough time to forget.

AmazonStoreCard barely does the basic things it’s supposed to do properly. And generally not very well. When a purchase is made, your balance is updated immediately, but it takes time to show what the purchase was for. Sometimes so long the purchase has disappeared from recent transactions before you can clearly see what it was for. And if you make a payment, your balance is not updated immediately. A payment can even leave your recent transaction list and still show an outdated balance weeks later,leading you to believe a payment is still needed to pay off balance. And when you make another payment, eventually your balance goes negative when your two (weeks apart) payments are finally applied to your account balance and the balance finally updated properly. And this issue has been reported multiple times to their built-in feedback system for many months…without the issue being fixed. App needs a lot of work.

I don't think I've ever had a worse banking experience. I tried several times to make a payment, but for one reason or another it wouldn't go through. I don't know if the problem arose from Synchrony, my bank, or me myself, but the real frustration began and continued when I tried to get support. There seems to be no way in AmazonStoreCard to contact support except by phone, and we all know what that means. Sometimes the person on the other end was very difficult to understand (combination of British pronunciation on top of an Asian accent), or they were of no help. Most frustrating was that there was no way for them to communicate whether or not a payment had gone through before a notice was sent of late fees charged. Also there seems to be no way to close the account after I sent a check by mail and requested it to be closed. So I will forever be receiving notices of my $0.31 credit which is apparently not available. I just hope no one is able to hack into my account and create more problems.

Makes spending super easy- but the ability to track transactions, verify purchase details, view history and see statements, almost non existent. 🤷‍♂️ Using this card and app for differed, no interest payments is pretty impossible and self defeating, because if you mix those transactions with regular transactions, there’s no easy way to be sure you are paying off those deferred amounts separately. Feels purposeful to ensure you end up paying interest, so I’ve ceased to use this card and those offers at a result, which was the whole purpose for using this card. This big plus is that the rewards add up pretty quick, so as long you keep paying off the balance consistently, you can definitely benefit from that. Just avoid the 0% trap on this card. There are plenty of other cards out there that make the 0% transactions more transparent for paying them off.

AmazonStoreCard is very responsive. One improvement that I would like to see added is what other credit card apps can do, such as American Express and CapitalONE when you make a payment, your available spending credit gets adjusted instantly! This is really helpful when you want to buy something in the moment which exceeds your available balance, so you can pay the difference and order the item without waiting a couple days, in which time you may even lose the item (out of stock for example). If you add this capability to AmazonStoreCard, then AmazonStoreCard will be worth 10 STARS!!!

I wish when you make a payment that it shows quicker in the bank because you have it showing nothing to the bank at all for days and days now,& it shouldn’t take that long, when you make a payment Direct from your checking account it should show that you made the payment that day from the bank even if it’s pending it should still show it, I don’t send payments unless they’re good,I understand that you have to check but it doesn’t take that many days to show it electronically it’s still is not showing my payment that I made from my bank yet,my bank doesn’t show anything yet,and if you’re not careful you could go over your limit that you have in the bankI it truly needs to be changed it’s just too many days that I am waiting just to show that I made a payment from my bank to you thank you John.

I think it is easier to manage then the previous website- however, on both my apps for my discover card, and my bank card- I get to see the flow of adding up my total on the side- so I can see when I make a payment it deducts from the running total or if I purchase something it adds it- I like it because it is like balancing a check book and I get to see the flow of my money. As I do most of my shopping online I manage my accounts this way- with the synchrony app- you guys just post the total of my one purchase and do not give me a running total. This makes me feel like I way overpay- or because of the lag I end up paying until I credit my account as I double pay. It’s just really difficult and confusing and I would very much so prefers a running total like all my other banking websites have.

Thanks
Elizabeth

Update: After an update or two AmazonStoreCard is much better. Only shows the basics (more so than other financial apps that show much more information and allow interaction) but it gets the job done for payments. The only thing I have to complain about now is that even after my payment is made, processed, and posted, I still get payment reminders up until my actual due date. That’s kind of annoying, and I find myself wondering if their system will eventually report a late, or non payment one of these times….

Tried it, and it keeps telling me my log in info is wrong. I can log in just fine through the the website, but AmazonStoreCard keeps telling me my info is wrong. A great app if you don't want to log in, not so much if you want to use it to manage your account.

Love everything out AmazonStoreCard . The option for FaceID makes it convenient to sign in and out. Safe and secure without the hassle. The only thing is they only allow bank ACH payments. Wish they offered the option to use a checking account debit card option too which allows faster processing of payments. It also takes about a day or two for payments to post for ACH transfers vs debit cards usually process instantly which offers flexibility with meeting deadlines. Otherwise, everything else about AmazonStoreCard is quite straight forward. The platform is clean and easy to navigate. AmazonStoreCard is a great tool to use for making payments, accessing statements and basic information.

I actually like it. Although my first time using it. Easy to use and easy to build up your credit score. Highly recommended for first timers who want to build up their credit score too. But don’t apply too much credit cards doee if you can’t pay it in time. Like about this Credit card. They don’t force you to pay everything as soon as possible. You just have to make sure you pay it before another year started. But for me I don’t like to borrow or to owe a money. So as soon as I use it I pay it asap. I haven’t done the monthly payment using this card so I’m just about to try it.

After submitting a payment, the next day it will show payment still due and you have to hunt around a bit to see your last payment. If you try to submit a payment again for the amount due, it will let you. It doesn’t have a pop up saying that you’ve already submitted a payment in process for the amount due. Also, it should automatically apply rewards to subscribe and save, but it won’t. Preferably, it would give to option to refund the rewards to your bank account, but it definitely won’t do that. So two things to improve: don’t allow payments if the already scheduled ones give a zero balance, and automatically use rewards to pay for subscribe and save before charging card. Thanks.

AmazonStoreCard has eased my shopping experience and my account management all in one place. Easy user interface with a wish list, shopping history, order tracking and notifications, and now account access without having to leave AmazonStoreCard . Also the option of a personal and family sharing and access to a business account. Well thought out.

(Hat tip to the “convenient but not perfect” review, that’s a good example of what I’m talking about in my review. This isn’t rocket science, just “do what other card companies are NOT DOING that the customers like....and “boom” drop the mic. “Com’on man?!?! as the looser Biden would say...lol)

I’ve had this card for a year now, and have had “to be expected” experiences; if they want to “stand out” as any company would/should strive for, then I would suggest they do the follow for starts.....

-Have an itemized detailed report of what charges are current, paid, and yet to be paid.

-Have a communication pipeline to see and tally what the customers look for in a store card.

-Inform the customer when balance credit increases are available, think outside the box.

-Reward the customer for using this payment method vs others. (Entice the customer...with...”something)

How are you (the company) different than all the other million companies out there?

Like I said......for starters........

(Need a consultant who has nationwide 500 fortune co. 150%NR experience? “Entice me with an offer”) 😁

Good app and maybe a little on the simplistic side and payments seem to lag a bit for the digital age. Maybe I’m just picky but in comparison to when I pay for something it isn’t as quick on the draw when making a repayment. Not that it matters too much but it’s something I’ve noticed with a few companies out there. It doesn’t lag nearly as much as Wells Fargo but a bit more than Capital 1. Wells Fargo definitely had its issues and liked to collect exuberant fees(yeah they got sued) but seriously, do they have to verify a payment from my verified repayment account first? Why? I guess we’ll never know.

The new update is a much better UI. It still needs some updated “at a glance” features. Things like total credit balance. Not just “available”. Current interest rate would be nice. Lifetime savings would probably help them encourage spending. Activity should ALWAYS show last activity rather than “no recent activity”. I’m looking to see what happened last. Not if something happened this week.

All in all though, this update made it simpler to use and visibly less cluttered.

Other additions should include a notification option for when the card is used, or when a payment clears. As well as a button under settings for increasing balance.

Card is convenient but would like to see all my activity as soon as I pull up account. Would also like to be able to use my award money as a credit on my bill, this May be possible but if it is I don’t know how?
I ordered some Ortho ground clear in June and got a notice that it was undeliverable, but to date have never been credited for it, don’t like that at all, because if I didn’t check I might never be credited, not good!!
I have only used this card for a short period , so I’ll try it a little longer but think I may go back to a regular card which is easier to check on items. Is there even a statement , if there is I haven’t found one. A little confusing.

When I make my $50 payments, the balance reflects that in two days. This time I made a payment of $225, trying to ge my balance down so I can use my card to purchase what I need for this week. It has now been 6 days and it still shows as the card having reached its limit. When I called in, they tell me that it takes 10+ days to clear so they can make sure the money is in my bank account. The money has been taken out of my account for about a week now. The agent kept saying ‘we do this to ensure that the money is available’. If the money was already taken from my bank and on AmazonStoreCard it says it processed and went through, why is it that I’m unable to use my card at all??! Customer service was no help, so don’t even waste your time.

I like AmazonStoreCard for its convenience, but the fundamental core of this banking app isn't there right now.

Direct payments from my checking account take days to appear on my statement activity. Purchases have the same delay. Makes it quite difficult to track spending and purchases.

There is no ability to quick-add the card to your Apple Wallet so you may use it at locations and websites that accept the payment method.

You can schedule payments, but you can't view what payments and amounts are currently scheduled. This tricked me into thinking I needed to make a payment, when really I just forgot that I had already scheduled one to occur. This is unacceptable - if a payment is scheduled to occur prior to the due date, then I should 100% be able to see that in AmazonStoreCard .

Lets not mention how I wrote my first review (which was triggered from within AmazonStoreCard ) and it did not appear after I had tapped send. Likely because the rating was too low for them. I had to resubmit this through AmazonStoreCard store directly.

AmazonStoreCard does not do much of anything...it only allows you to see the last ten or so transactions, and cannot be changed. There’s no way to auto pay ongoing or recurring charges. For some stupid reason, Synchrony forces you to use AmazonStoreCard instead of allowing ebills on online bill pay accounts. Fine, but at least offer an online alternative (it should be a feature of AmazonStoreCard)...

What is the point of “viewing” your digital card? There’s no information that you wouldn’t get from just looking at the actual card.

And like most iPhone-only apps, AmazonStoreCard is pure crap on an iPad. There’s a lot more information that could be made available with such an app...

I have struggled for months to try and be able to pay my bill from AmazonStoreCard . It would constantly tell me that I had and an authorized account loaded. I would delete the account, I would add the account, Verify the account, and then it would tell me it’s on authorized. Very frustrating! Currently, everything seems to be fine, but I am just waiting for the other shoe to drop.
****Updated!!!****
FINALLY! I am able to send payments in using AmazonStoreCard ! I’ve sent in a couple of payments now and everything it working great there! Many things to the developers!!

One of the reviewers complained about how ‘primitive’ AmazonStoreCard is and that the positive reviews are fake because they all have the word “love” in them. Seriously? Don’t you get tired of all those ‘sophisticated’ apps where you need to go through 17 steps to get to your desired page? And as about the word Love: made me smile because my first word in my original review was “Love and blah, blah, blah..” Yes, I, for instance, absolutely LOVE how simple and user friendly AmazonStoreCard is and I am a real reviewer (in fact the only reason why I decided to review AmazonStoreCard was because of how awesomely simple AmazonStoreCard was). Downloaded it today, opened it and was sooo happy to see a simple, straight forward app, that serves for me the purpose of a convenient and quick payment.

I have no problems with AmazonStoreCard itself. It opens fine for me, and the data is there right there at my fingerprints. And making payments is ready to set up and pay. The problem is the reporting of the purchases. On any other credit card, you make a purchase with multiple items, that is hot it shows up on the billing. With this, ESPECIALLY if I wait a month to record, Items end up broken up individually, it’s hard to determine which purchase was with what other items of multiple orders were made on the same day, and not to complain of an item’s cost was later adjusted down due to a decrease, but accounting for the amount when reconciling to the billing is a tedious job.

I love that we finally have an app that lets us make payments, but that’s the only plus I see. Half the transactions I make don’t even show up in my activity tab. I don’t mean they show up delayed...some do appear several days after the website posts them...but most never make it to AmazonStoreCard at all, so I have to log in through the website anyway to make sure a payment was submitted successfully or a return was in fact credited to my account. I do experience the frequent failure to connect when I try to log in that other reviewers are mentioning as well. AmazonStoreCard is the idea of what I wanted, but falls short in actually providing what I was hoping for.

One of the things I look at every time I get on to make a payment is the remaining time left on my promotional purchases (to make sure I get them paid off before they accrue interest). Synchrony is a predatory lending company, so it’s wise of them to leave this information off of AmazonStoreCard . I guess if you just want to hop on to see your balance or make a predetermined payment, AmazonStoreCard works fine. It’s just not helpful for me. I still find myself logging into the website to view promotional expirations before I pay my bill. If the promotional purchases were viewable, it would be a 5 star app.

AmazonStoreCard will work about 50% of the time. Sometimes it will not let you log in saying your log in info is incorrect or it will get stuck logging in on the progress bar and then say error. I have had to reinstall AmazonStoreCard to get it to work again. Such a simple app like this should not be this hard to use. None of my other financial apps have given me so many issues. When AmazonStoreCard works it fine however so I keep trying to use it.

You will have to log in again and again and again with AmazonStoreCard. FaceID setting enabled, “Remember Me” checked, “Keep Me Logged In” selected...doesn’t matter.

Sometimes it will show you balance and other information alongside a log in button which doesn’t make sense and seems like a privacy flaw.

Additionally, this company punishes its customers for paying their bills early. If you make any payment outside the normal billing cycle (i.e. make a purchase and immediately pay it off even if you’ve already made a payment that month), they will place it on hold for a seemingly arbitrary amount of time (usually 7-10 days).

There is no visibility or transparency here either. You can’t see how long a payment will be held, all you can do is keep logging in (over and over) and one day it will finally post. It’s a shady policy designed to encourage once-per-month payments only, increasing the likelihood of carrying a balance.

AmazonStoreCard has improved some since I initially downloaded, but continues to log me out. It requires such frequent password resets that I have serious difficulty getting into AmazonStoreCard to pay my balance.
When it works, it’s great and easy to use. Just not crazy about being locked out all the time and having to use passwords I’ll never remember the next time it inevitably logs out.

The little app will, indeed, show me balances and transactions, which might be useful every once in a while. The highly useful feature it misses, which all other credit-card apps have, is a notification when new charges are recognized. Those notifications are the main warning that a potentially fraudulent charge had been made.
I have notifications of all kinds and background refresh enabled for AmazonStoreCard, but it never notifies me of anything.

I’ve been having trouble loading the payment site onto my computer so AmazonStoreCard is just what I needed. My most recent statement just came. Within ten seconds I launched AmazonStoreCard and paid my card. It doesn’t get easier than that. Looking forward to seeing my rewards. Kind of surprised that’s not on there already.

I received a credit builder credit card due to medical bills. I consistently pay my bill in full every month, however they hold my payment for over a week so I can’t use my credit line at all as my account is on hold.
If you contact Customer Service to find out how long this process takes since it’s a new account, they give you no answers and basically tell you nothing that’s helpful at all. This is the worst bank I’ve ever had a credit card with in my life

I’m so happy that you’ve made an app to make payments, check my balance, and use my rewards as I see fit. It’s so easy to use!
I hate going to google on public WiFi networks that may or may not be secure, or make an extensive phone call.. I’m a busy business owner, so the no muss, no fuss.. really works for me!
Thank you!

Crashes constantly. Always has an error message when I wanna make a payment then says I have duplicate payments schedules. Wish the transactions and activities were as detailed as the actual website. You guys have the funds to improve AmazonStoreCard instantly.

I pray AmazonStoreCard continues as it just did. I just downloaded AmazonStoreCard, paid a payment and set up my reminders. It was so quick. I love AmazonStoreCard so far. I hope that other bill collectors will make an app this helpful for their customers that do bill paying online. Very nice appreciative app. Thank You Synchrony Bank.

I was very frustrated with Synchrony’s online banking page for this credit card. All I want for my credit card apps is a way to monitor, and pay my bills. This does that perfectly, easily, and in a very logical/simple way.

After years of patiently waiting, we now have an app to pay / view our transactions. I have no idea how bad their app is (since their webpage is pretty bad), but none the less.. 5* for effort - at least now I have an app for it, regardless of how bad it is.