Having a reliable credit card these days isn’t just convenient—it’s almost essential. The Amazon Mastercard stands out among options.
This guide will walk you through exactly how to apply for the Amazon Mastercard, who can benefit most from it, and how to get the most out of its rewards.
If you shop online regularly, are considering your first credit card, or want an option with no annual fees and attractive cashback, read on.
Top Benefits of the Amazon Mastercard
The Amazon Mastercard is consistently recommended for its blend of value and convenience.
No Entrance or Annual Fees
First, one of the card’s biggest attractions: no annual fee and no entrance fee.
Frankly, that’s rare—and a useful way to keep credit costs down, especially if you’re not a heavy spender.
Enhanced Cashback—Especially for Amazon and Convenience Stores
Prime members enjoy a generous 2% cashback on Amazon orders. Non-Prime members still receive a respectable 1.5% back.
That adds up quickly if you’re even a moderately frequent Amazon customer.
But the perks aren’t just limited to the world’s biggest online marketplace. Shopping at 7-Eleven, Lawson, or Family Mart? Expect 1.5% cashback too.
1% Cashback on Other Spending
For everything else—groceries, dinners out, or even utility bills—cardholders receive 1% cashback.
Not the highest in the industry, but it’s broad and requires no special enrollment.
Contactless Payments for Speed and Security
With Mastercard® contactless tech, you can just tap and go.
Personally, I find this especially handy for small, in-person purchases—less fumbling, more security.
Eligibility: Who Can Apply?
Before applying, it’s important to check that you meet the qualifications. Here’s a quick rundown:
- Age: You must be at least 18 years old (sometimes 20, depending on local regulations).
- Income: Applicants should have a regular source of income. There’s no set minimum, but steady employment helps.
- Credit Score: A fair or good credit score is usually required. If you’re not sure where you stand, perhaps check your score before applying.
- Residency: Must reside in the country where the card is issued—in this case, Japan.
Not sure about your eligibility? Sometimes, giving their customer service a call in advance clears up ambiguities.
How to Apply for the Amazon Mastercard: Step-by-Step
The process is much simpler than it used to be—everything is online:
- Visit the official Amazon Mastercard page.
- Log into your Amazon account (or create one if you haven’t yet).
- Complete the online application. Have your ID and income info on hand.
- Submit and wait for approval. Sometimes it’s instant, sometimes it takes a day or two while they confirm details.
Documents You’ll Need
- Government-issued photo ID (e.g., residence card, driver’s license, or passport)
- Proof of income (pay stubs, recent tax return, or other)
- Current address and contact details
Double-check for typos or mismatched address info—these are surprisingly common application hiccups.
Amazon Mastercard Security: What You’re Protected Against
Security matters, especially when managing credit cards online.
I once ignored these features, but after a close call with a phishing scam, I came to appreciate them.
- Chip and PIN: Provides strong protection at both online and physical stores.
- Continuous Fraud Monitoring: Automated systems watch for unusual transactions and alert you fast if they spot anything odd.
- Contactless Security: Each tap is unique—no card details are transmitted directly.
- Two-Factor Authentication: Used for your online account, reducing the odds of unauthorized hacking.
- Instant Card Blocking and Replacement: Lose your card? You can disable it in the app almost instantly, with replacement support just a phone call away.
Understanding Amazon Mastercard Interest Rates and Fees
The main number to look for is the Annual Percentage Rate (APR).
For Amazon Mastercard, APRs vary depending on whether you’re making purchases, taking cash advances, or carrying a balance.
Current rates are listed here, and while they’re competitive, they do change from time to time.
Generally, paying off your statement in full each month means you’ll avoid interest entirely. That’s the sweet spot, financially speaking.
Managing Your Account: Tools, App, and Support
Amazon makes it pretty easy to manage your card—even if, like me, you sometimes forget due dates.
- Online Dashboard: Log in to review transactions, check limits, pay bills, and set up alerts.
- Mobile App: Same features as the website, plus notifications, in a smartphone-friendly package.
- Spending Controls: Set spending limits for yourself or family supplementary cards to help budget or monitor shared use.
- Alerts: Get reminders for payment due dates, suspicious activity, and when rewards post to your account.
Honestly, I’d recommend setting weekly notifications—easy to ignore, but a good accountability nudge.
Getting Support: Where to Find Help When You Need It
Problems or questions? The customer service team is reachable 24/7.
- Phone: +8 112 089 9068
- Email, chat, or online FAQ are also available for common questions
- Physical office: Amazon Japan G.K., 1-8-1 Shimomeguro, Meguro-ku, Tokyo 153-0064, Japan
In my experience, issues like lost cards or dispute resolution are handled reasonably quickly, though sometimes you might need to follow up.
Try online resources first for smaller questions—it’s usually faster.
Tips to Make the Most of Your Amazon Mastercard
Getting a card is just the first step. Here’s how to really benefit:
Pay Your Balance in Full
If you always pay your statement in full—every single month—you’ll never pay interest. The cashback is pure upside.
Use the Card Where It Earns Most
Prioritize Amazon and participating convenience stores for purchases. If you’re a Prime member, the rewards rate (2%) is hard to beat anywhere else.
Sign Up for Promotions
Look for email or app-based promos—limited-time offers, extra points on certain categories, or joining bonuses. Many people miss these extras, but they can seriously increase your rewards.
Monitor Your Credit Utilization
Keep your balance well below the credit limit. This not only helps you avoid debt, it can also improve your overall credit score over time.
Be Cautious of Cash Advances
Interest rates are much higher for cash advances—best to avoid unless you truly have no alternative.
Quick-View Table: Cashback Rates by Purchase
Always consider it.
| Purchase Type | Prime Member Cashback | Non-Prime Cashback |
|---|---|---|
| Amazon.co.jp | 2.0% | 1.5% |
| Convenience Stores | 1.5% | 1.5% |
| Everywhere Else | 1.0% | 1.0% |
Frequently Asked Questions
Is the Amazon Mastercard only for Amazon shopping?
No, you can use it anywhere Mastercard is accepted—both in Japan and abroad.
How fast do I get my cashback?
Rewards are typically posted monthly, but always check the specific terms.
Is there a joining bonus?
Amazon sometimes offers new applicant bonuses—check here before you apply.
Conclusion: Should You Apply for the Amazon Mastercard?
The Amazon Mastercard could be a smart, cost-effective choice.
With no annual fee, straightforward rewards, and strong security, it’s well-suited to both first-time and experienced credit card users.
Just remember: the real benefit comes when you use it strategically—pay off your balance, leverage rewards, and monitor spending.
Disclaimer: Always confirm application details and requirements directly with Amazon before submitting. Terms can change and personal circumstances vary.