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Cash back at Amazon only
Added 2026-10-29 (Synchrony sweep). Synchrony's only secured card (per WalletHub, Sep 2026). Refundable deposit $100–$1,000 sets the credit limit; 2% back at Amazon / Whole Foods with Prime, 0% without. Reports to the 3 bureaus; Synchrony reviews at 12 months for graduation to the Amazon Store Card (deposit refunded). Applicants are considered for it automatically if declined for the Store Card.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Amazon / Whole Foods | 2% | — | Prime required for 2%; 0% without Prime |
No standard bonus reported
No public welcome bonus for the Amazon Secured Card.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed no public bonus in the Oct 2026 research pass (Synchrony catalog / partner pages).
Offer type, as listed: No sign-up bonus