Amazon Visa
Credit card for Amazon fans – 1 point per euro at Amazon, instalments available.
Score: 7.1 / 10 · Good
Rating: 6.6 / 10 · 4.320 reviews
Best for: Amazon shopping
Overview
The Amazon Visa is a genuine credit card from Openbank Pay (Santander) on the Visa network. Credit card for Amazon fans – 1 point per euro at Amazon, instalments available. It comes with no annual fee on a permanent basis. A surcharge of 1.5 % applies to payments in foreign currency.
Who is it for?
Our take: Amazon shopping. Its strengths lie in cashback (1 %) and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 18.25 %).
How the score is calculated
Overall score: 7.1 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 4.0 / 10 |
| Cash worldwide (14 %) | 2.7 / 10 |
| Interest (10 %) | 5.9 / 10 |
| Cashback & bonus (10 %) | 2.5 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 7.2 / 10 |
Highlights
- €0 annual fee
- 1 point per € at Amazon, 0.5% elsewhere
- Google Pay (no Apple Pay)
- Points on every purchase
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 18.25 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Openbank Pay (Santander) |
Cashback: Cashback on Amazon purchases only
There is no annual fee. Outside the euro area a 1.5 % foreign currency fee applies. A fee of 5.4 % (min. €1.50) applies to cash abroad. In Germany, cash withdrawals cost 3.9 % (min. €1.50). The effective annual interest rate is 18.25 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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This card in our comparisons: Free Credit Cards · Miles & Cashback Credit Cards · Credit Cards With Instalments · Visa Credit Cards Compared
Related guides: Credit card instalments: interest explained · Credit card fees and how to avoid them · Virtual credit cards, Apple Pay & Google Pay
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Frequently asked questions
- What does the Amazon Visa cost per year?
- The Amazon Visa has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Amazon Visa charge foreign currency fees?
- Yes. Outside the euro area the Amazon Visa charges a 1.5 % foreign currency fee.
- Is the Amazon Visa a genuine credit card?
- Yes, the Amazon Visa is a genuine credit card with a credit line (effective annual interest 18.25 %).
- Does the Amazon Visa require a SCHUFA check?
- Yes, Openbank Pay (Santander) runs a SCHUFA credit check for the Amazon Visa; a negative SCHUFA record can lead to rejection.
- How is money on the Amazon Visa protected?
- Statutory deposit guarantee Spain (Fondo de Garantía de Depósitos de Entidades de Crédito, FGD), up to €100,000. Amazon Visa is issued by Open Bank S.A. (brand Openbank Pay, formerly Zinia; subsidiary of Santander Group).