In this guide, you’ll learn how to apply for an Amazon Card, what the Amazon Card is, what benefits it offers, what requirements you need to meet, and how to complete your application.
If you're looking for a no-fee credit card that rewards your Amazon purchases, this article will give you everything you need to decide with confidence.
What Is the Amazon Credit Card and How Does It Work
The Amazon Cartão de Crédito is a co-branded credit card issued by Bradesco in partnership with Mastercard.
It is available in two versions: one for Amazon Prime members and another for non-members. This card is linked to your Amazon Brazil account and allows you to earn points on purchases made inside and outside Amazon.
The points earned never expire and can be used as credits when shopping on Amazon Brazil. You can manage everything through the Bradesco app and the Amazon website.
Available Versions and Who Can Apply
The Amazon Prime version is exclusive to users who have an active Prime membership. It offers higher cashback rates on Amazon purchases.
The standard version is available to any eligible customer with an Amazon account, and while the cashback is lower, it still provides attractive rewards.
Both versions allow international transactions and include Mastercard Platinum benefits. Approval depends on your income and credit profile as evaluated by Bradesco.
Top Features and Main Benefits
The Amazon Credit Card gives you practical features, from points on everyday purchases to installment options with no interest on Amazon.
There is no annual fee in either version, and the card offers flexibility in both use and management.
You can shop, track expenses, redeem points, and split payments without leaving the Amazon or Bradesco apps. It’s a modern credit option tailored to digital consumers.
Cashback and Rewards Structure
If you have Amazon Prime, you get five percent back in points when you buy from Amazon.
Non-Prime users get three percent back. Both versions give you two percent back on restaurants, pharmacies, travel, entertainment, and international purchases. All other purchases earn one percent back.
These points are automatically added to your balance and can be redeemed when checking out on Amazon.com.br.
Installment Options and Financing
For purchases over R$1,500 on Amazon Brazil, you can pay in up to fifteen installments with no interest.
This is offered at checkout and shown clearly before confirming your purchase. It allows you to spread out payments without extra charges.
For other purchases, interest may apply depending on your payment behavior and credit profile. You manage all this from your account or the app.
Mastercard Platinum Benefits Included
The card offers travel insurance, car rental insurance, and purchase protection.
You also gain access to Mastercard's concierge services and the Mastercard Surpreenda program for exclusive partner offers.
In select restaurants, you can benefit from corkage exemptions. These perks add extra value to the Amazon Card and make it useful even when you’re not shopping online.
Why You Should Apply for the Amazon Credit Card
If you often buy from Amazon, this card can boost your savings through points and installments.
You earn rewards on other expenses too, such as travel or groceries. There’s no annual fee, which means no ongoing cost just to keep the card active.
The application is fast, digital, and you can use a virtual card instantly if approved. For users looking for a flexible and rewarding card, this is a solid choice.
Savings for Frequent Amazon Shoppers
Amazon Prime members who pay with the card automatically earn five percent back, which adds up quickly over time.
This alone can cover the cost of Prime’s yearly subscription. If you regularly shop for electronics, household goods, or personal items on Amazon, the card becomes even more valuable.
Non-Prime users still enjoy three percent back on Amazon, which is higher than most retail cards.
International and Everyday Use
You don’t have to limit yourself to Amazon purchases. The card gives you two percent back on international shopping, entertainment, dining, and travel.
These transactions earn points just like domestic purchases. It’s a way to continue earning rewards even when traveling or spending on experiences. This makes the card useful for more than just e-commerce.
No Annual Fee and Easy Digital Access
You won’t pay any annual fee, which is rare for a rewards card with international acceptance. The application is digital and integrated with Amazon’s system.
You can manage billing, due dates, and rewards tracking via the Bradesco Cartões app. No need to deal with paper statements or physical branches unless you want to. It’s a user-friendly experience from start to finish.
Interest Rates, Fees, and Payment Charges
Understanding the costs involved helps you manage the card responsibly. While the card has no annual fee, interest applies if you don’t pay the full balance.
International purchases have added taxes and currency conversion charges. Bradesco also applies penalties for missed payments.
Knowing these rates lets you use the card efficiently and avoid unnecessary charges.
Revolving Interest Rate
If you do not pay your full balance, a revolving credit rate is applied. This rate varies depending on Bradesco’s internal assessment and national reference rates.
While promotional purchases on Amazon over R$1,500 can be split with no interest, other unpaid balances may generate finance charges. Always check your app for your exact APR and due date to stay current.
International Use Fees
Foreign purchases are subject to currency conversion rates with an additional spread, typically around 5.5 percent above the official exchange rate.
An IOF tax of 4.38 percent also applies to all international transactions, as required by Brazilian law. These fees are automatically calculated and shown in your billing statement.
Late Payment Charges
Missed payments can result in additional charges. The penalty interest follows Brazilian credit laws, where fees are capped at two percent of the overdue amount and are subject to default interest.
Bradesco may also limit your card usage until you bring the account back to good standing. Monitoring your app regularly helps avoid these penalties.
Contact Details and Bank Information
It’s important to know how to reach customer service when needed.
Bradesco offers assistance via phone, mail, and its dedicated app.
You can request help with billing, points redemption, dispute charges, or change settings like your payment due date.
Phone Number and Main Office Address
For direct assistance, you can call Bradesco Cards at 0800-721-3244. This line supports cardholders with technical, billing, and reward inquiries.
For written correspondence, the official address is Praça Antônio Prado, number 48, Centro, São Paulo, SP, Postal Code 01010-906. This is Bradesco’s headquarters, which is responsible for card-related operations.
Online and App-Based Support
The Bradesco Cartões mobile app offers full control of your card account. You can view your limits, check points, make payments, adjust due dates, and receive real-time alerts.
It is also where you activate your card and manage your virtual card for immediate online use. This makes the experience smoother and more transparent for tech-savvy users.
Requirements to Apply for the Amazon Card
To apply, you must meet the basic criteria and have the correct documents. The card is available to Brazilian residents with an active CPF.
You must also have an Amazon account and meet Bradesco’s credit requirements. The application is fast and done entirely online through Amazon’s interface or by scanning a QR code.
Personal and Financial Documentation
You’ll need a valid CPF and a photo ID such as an RG or CNH. You’ll also be asked to submit proof of income and your current address.
A photo selfie may be required to validate your identity during the digital application. Make sure all your information is current and matches your Amazon account.
Credit Evaluation and Income Criteria
Bradesco will check your credit score and financial profile before approving your application.
A minimum income equal to Brazil’s minimum wage is typically required, but higher scores may unlock larger credit limits.
If your credit score is too low, your application may be denied or approved with a lower limit and reduced purchasing flexibility.
How to Apply for the Amazon Credit Card
Applying is simple and fully digital. You start the process on Amazon’s website or by using the QR code provided on product pages.
The application takes just a few minutes and provides real-time feedback. If approved, you receive a virtual card instantly and a physical card within a few days.
Step-by-Step Application Process
Log in to your Amazon Brazil account and choose the Amazon Card offer. Fill out the required personal and income information.
Submit your selfie and documents for verification. Wait a few moments to receive an approval decision. Once approved, you can begin using the virtual card immediately for online purchases.
Receiving and Activating Your Card
The physical card is delivered by mail within ten business days. You activate it using a code provided in the card package and the Bradesco Cartões app.
You’ll also receive a welcome bonus in points depending on whether you are a Prime member. These points appear in your Amazon account and are ready to use.
Conclusion
Now that you know how to apply for an Amazon Card, you can make an informed decision. This card is ideal for shoppers who want to earn up to five percent back, enjoy no annual fees, and take advantage of long installment plans.
With a quick online application and instant virtual card delivery, the Amazon Cartão de Crédito is a smart choice for digital-first users.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
