Do you need a credit card for an Amazon account?
Mia Walsh
Updated on April 27, 2026
Then, does Amazon account require credit card?
A basic Amazon account is totally free. You can enter a gift card at purchase instead of using your credit card, but generally at checkout, you will still be required to enter your credit card information for Amazon as a back-up.
Furthermore, can I use someone else's credit card on my Amazon account? Under US law, you can only use someone else's credit card if you are authorized to do so. The primary cardholder would have to call their credit card company and add you as an authorized user. I do not believe that Amazon will accept a credit card in someone else's name.
Likewise, do you need an Amazon account to buy stuff?
Usually, you have to make an account before you shop by internet. However, in the case of amazon.com, you don't need to do that because you can do that in the process of shopping. And then, to find the items you want to buy, sometimes you need to search for the items you want to order.
Why does Amazon require a credit card?
They need a credit card backup in case fees are incurred, like subscription fees or chargebacks and there aren't sufficient sales to cover them. US bank checking account and major debit/credit card are absolute requirements for selling here.
Related Question Answers
How much does an Amazon account cost?
A standard annual Amazon Prime membership costs $119 per year, and an annual Amazon Prime Student membership costs $59 per year. If you pay month-by-month, an Amazon Prime membership is $12.99 per month, and a Prime Student membership is $6.49 per month.How can I pay on Amazon without a credit card?
We've rounded up the best options to shop Amazon without a credit card (including a way to sign up for Amazon Prime).- Shop With a Debit Card.
- Connect Amazon to Your Bank Account.
- Shop With Amazon Gift Cards.
- Add Cash to Your Amazon Account With Amazon Cash.
- Shop With A Prepaid Debit Card.