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Reviews - Amazon.co.uk Mastercard

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Super

Earn Amazon gift certificates, Easy to manage your...

Unsuitable for anyone who can't pay off their bala...

You can view credit cards in one of two ways: (1) they make modern life easier by removing the need to be forever looking for the nearest cash point, providing payment flexibility and offering a way of managing your money, or (2) they are instruments of evil that tempt us into purchases we...

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Competitiveness of APR
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Excellent

Rewards, use worldwide, provided by Halifax

None

Introduction ########## I wanted a MasterCard because I wanted to order items from international stores online and they didn't accept my regular maestro card. So I went for the search in finding one which would give something back to me for using the card. I was not really interested in the APR...

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Competitiveness of APR
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Satisfactory

Very competitive APR

Credit limit reduced without warning

I was initially very satisfied with the Amazon credit card, which is administered by Halifax of whom I had no prior experience as a bank. I frequently buy books and sometimes household items on Amazon's website, so it was an incentive to earn loyalty points when using their own credit card. As...

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Super

loyalty points, backed by halfax, 0% offers.

only useful if you buy from amazon

After years of playing the credit card merry go round of balance transfers, 0% offers, and free gifts, it was time to cut down my credit cards. At present I have the Nationwide visa cashback card and the Amazon mastercard. The card was launched back last year on thier website, and I was attracted...

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Competitiveness of APR
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Excellent

Loyalty points that convert into Amazon Vouchers

Not the most competitive rate at present

I switched to the Amazon Halifax card earlier this year, when I was looking for something lower interest - 12.9% at the time, however I believe this is now 15.9% APR. The first six months were interest free for balance transfers, and I believe this still applies. Other features: There is no...

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Competitiveness of APR
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Excellent

“The card for a bookworm”

published 13/04/2007

Fair APR, Amazon points

No further offers after introduction offer, diffic...

The Amazon.co.uk credit card is my real true credit card (I got a Vanquis one with only £250 before), and I got it during my student days; that is before I had any real income or job. I just filled out the application to 'try my luck', and I was told online that I had been approved for a £1700...

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Not for me

published 05/05/2007

Have had a really awful experience with Amazon credit card. - It took months to get the card after being approved. - Their statements get 'lost in the post' and you end up having to pay a late fee, when its not even your fault! - I found their customer service reps to be very rude. - Their system often seems to go down causing you to have to ring back again and again on an 0845 number. Getting this card has cost me more money than its worth. DO NOT GET THE CARD.

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Not for me

Rewards for using it

Impossibility of improving your account

I have been an Amazon card holder now for over a year and they set the limit very low. I have tried to have this limit increased 4 times and each time they come back with some bull shit reason as to why they cannot set the limit higher. I have 4500 limits with Virgin and LloydsTSB Platinum cards...

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Competitiveness of APR
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Satisfactory

published 14/11/2007

The card is ok but like all big companies, the customer service advisors are hopeless! 8 calls & 3 emails to them and they can't be bothered to reply. Somebody found my card after I had lost it. This person phoned Amazon Credit Card office and they couldn't even bothered to get the persons identity and even worse, they didn't even call me to tell me that it had been found.

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Excellent

“Amazon Credit Card”

published 17/04/2006

0% Balance transfer for 9 months - no transfer fee...

Offer is only for 9 months (if only they can't th...

Not much to say about this as I have opened this account for balance transfer offer. Most credit cards offer you an incentive to get you to apply. I found the card by an internet search Advantages - If you require a 0% balance transfer card but do not want to pay any transfer fees, this is one of...

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Competitiveness of APR
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Not for me

published 20/01/2009

do not take this credit out ie amazon master card if you are say one day late ie the payment was due on 3 jan and they get the payment on 4 jan they will slap a late fee charge of 12 pounds what a rip off

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Not for me

“beware of hidden charges”

published 01/04/2010

none

hidden charges

took up offer with amazon for their credit card last year and have used it reasonably .today I received a statement for a purchase of £5.00 with an interest charge of £1.00added, on checking this was also on last months statement. I have read and re-read their conditions and no where is this...

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Not for me

“Truly terrible online system”

published 05/08/2013

None, compared to other cards

Shockingly poor web interface, ZERO privacy with a...

Of all the cards and bank services I've used, the Amazon Mastercard (operated by Bank of America, by the way) is absolutely the worst. The online interface is atrocious; I mean, shockingly bad - it looks like something from 1993, as if they haven't quite grasped the idea of usable interfaces yet...

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Competitiveness of APR
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Super

published 13/06/2008

Have had this card for almost a year and not had problems really. Service has been okay but not outstanding. Online service can sometimes tell you that you don't owe anything one day and then £500 the next but printed statements keep you right! online payment seems to work fine if you set up transfer from online bank. I haven't had trouble increasing the limit despite being a young customer which is nice. When I finally got my 1500 points for 2nd voucher it took a while to process but FREE call centre was useful. This is a good scheme and useful for me As i am too young and don't earn enough as a student to get cars with better reward / cashback schemes.

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