Fast-Track Your Credit Card Sign-Up Bonus With Amazon Payments

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I love because I am lazy busy and like doing my shopping online!

But did you know that using Amazon Payments is one of the quickest and easiest ways to meet the minimum spend requirement to get that large sign-up bonus on your new credit cards?

Here’s How It Works!

  • You sign-up with Amazon Payments (you can use your existing log-in) and add your credit card information and bank account details to validate your Amazon Payments account
  • You then transfer money, say $300, to your partner or trusted friend using the “goods and services” option to reduce the chance of a cash advance fee
  • Your partner or trusted friend then transfers $300 back to you using Amazon payments or writes you a check for $300.
  • You should ensure that you have a legitimate reason to transfer money to your friend to ensure that your account is not flagged by Amazon and frozen.

It’s that easy!

As of July 6, 2011, you can transfer and receive up to $1,000 per month without a fee.

Please read the Amazon Payments User Agreement before you use Amazon Payments to ensure that you are aware of all the terms and conditions and do not risk having your account shut down!

However, you cannot transfer money to yourself, so please don’t set up 2 accounts in your name and transfer money between them. If you do that you risk freezing your account and the money in it!

Step 1 – Sign-In To Amazon Payments

Sign-in to Amazon Payments using either your existing username and password, or by creating an username and password if you’ve never used before.

Amazon Payments 1

Step 2 – Enter Your Information

You have to enter your:

  • Name
  • Address
  • Either your date of birth or social security number
  • Select a security question & answer

Step 3 – Activate

You then activate the “Send Money Online” option by clicking on the “activate” button.

Amazon Payments 2

Step 4 – Verify

On the next page you have to:

  • Verify your email address
  • Add the credit card which you want to use
  • Add and verify your bank account information so that you can withdraw money sent to you via Amazon Payments.  Depending on your bank you could either instantly verify your bank account or confirm the amount of the 2 small deposits which Amazon Payments sends to your bank account

Amazon Payments 3

Step 5 – Send Money

Click on “Send Money” in the top tab and enter the recipient’s email address and the amount which you want to send.

As of  July 6, 2011, you can send and receive up to $1,000 per month without a fee, so you may want to transfer less than $1,000 a month since paying fees are no fun!

I recommend checking whether the recipient (your partner or trusted friend) has an Amazon Payments account, before sending any money.  If the recipient does not have an Amazon Payments account, you may want to set one up before transferring money.


You will see two options below the amount field:

  1. Goods/Services
  2. Cash Advance

Selecting the “Cash Advance” field may result in an expensive  cash advance fee from your credit card!

The “What’s This” link near “Cash Advance” says:

You may be charged a cash advance or other fees by your credit or debit card issuer. Amazon Payments is not responsible for these fees. Contact your issuer for more information.

Selecting the “Goods/Service” option will likely not result in a Cash Advance fee from your bank.

Amazon Payments 4

However, I cannot guarantee that you won’t be charged a fee, so I recommend starting with a small amount of money (say, $10) to see that there are no cash advance fees being charged and then proceeding to a larger amount.

So far, Emily and I have not been charged a fee, but your credit card may charge you a fee!

Step 6 – Select Your Payment Method

Select the credit card which you want to use (this should be the credit card for which you’re trying to complete the minimum spend requirements)!

Once again, make sure that you’ve selected the “Goods/Services” option to avoid being hit with a cash advance fee.

Amazon Payments 5

Step 7 – Confirm Your Payment

Click on “Confirm” to confirm your payment!


Amazon Payments 6

Step 8 – Payment Confirmation

You will get a confirmation that your payment was successful!

Step 8 – Repeat & Rinse

Have you partner or trusted friend transfer you the money back via Amazon Payments or by writing you a check.

Bottom Line:

Using Amazon Payments is a quick and easy way to complete the minimum spend requirements on your new credit card!

You don’t have to buy gift cards or haul $1 coins to the bank to meet the minimum spend requirements any more!

I do not recommend using Amazon Payments regularly to earn miles or points on your credit cards, outside of completing the minimum spend requirements, since that may be too costly for Amazon who may then charge a fee for Amazon payments.

Currently, there is no fee to send and receive upto $1,000 per month. Let’s keep it that way by using Amazon Payments only when you need it!

However, Amazon payments might start charging a fee anytime, so please check for yourself before using Amazon Payments!

You should also know that the IRS will soon require credit card payment services like Amazon Payments to report the amount charged if you exceed 200 transactions and $20,000 per year so don’t go gangbusters with Amazon Payments!

Have you used Amazon payments before?  Tell us about it in the comments!

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307 responses to “Fast-Track Your Credit Card Sign-Up Bonus With Amazon Payments

  1. Like boo above, I’d also like to know at which credit bureau or whatever they check applicants’ identity info. I asked AP, but they said they don’t disclose that.

  2. @Brendar your landlord is doing you a huge favor. the cc companies like it b/c they’re getting their 2.9% fees. you’re getting the points. your landlord loses out. if your landlord agrees to it, then jump on it. my guess is that eventually your land lord will stop once he realizes hardly any landlord accepts credit cards w/o making the tenant pay the fees.

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  4. Hi, I am new to the credit card game and have a question.

    if I send money through amazon using a Chase Ink bold card (to hit the 5K spend) will I be charged a cash advance fee?


  5. @Arlina, make sure to select purchase/service instead of cash advance.

  6. Hey, where does it say that they don’t charge the 2.9% fee for a $1000/month payment?

  7. Hi Darius. Is it still free to send/receive 1000/mo? I just tried to send 10 dollars and it worked fine. Can I still send the remaining which is 990 the next day or two, or do I have to wait for a while and make another transaction? Thanks.

  8. @Kristy, yes, you can send the remaining $990 either today, or tomorrow, or whenever you want.

  9. Thank you Grant:)

  10. Can somebody please confirm that it’s still free to send money via A payment as of today? Thank you!!!!

  11. am i the only one that thinks tying up $1k/month on amazon is a bad idea? those monies becone effectively stuck. thats bobo yo. please do advise

  12. @Kristy, I sent an Amazon Payment to my grandfather 2 days ago and it was still free.

    @Mr. Cool, you are not tying up the money for a month. I sent $1,000 to my grandfather, called him up, and told him to withdraw the money from his Amazon Payments account into his checking account. He wrote me a check the next day, I deposited it in my account and paid off my credit card. If you do it right, you can have the money back in your bank account before the charge even processes on your credit card.

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  14. is there a way to electronically transmit amazon funds to a a bank account of your choosing in order to pay credit card bills?

  15. @Mr. Cool, you just add a bank account to your Amazon Payments account and withdraw funds. It takes 1-2 biz days for the transfer to be complete.

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  17. @grant thanks! this crucial step…transferring the $ from amazon to a bank account is not explicitly mentioned anywhere! wasnt sure this option even existed. you going to FTU in chicago?

  18. @Mr. Cool, I am surprised MMS did not include that step in his post. FTU is actually in Tampa at the end of September and the Chicago Seminars are 2 weeks later. I will be at both events, with a quick trip to the Galapagos Islands in between. Will you be at either event? Have you got your tickets yet?

  19. I was hit with the cash advance fee when using my Chase Sapphire Preferred card ($50), but I was not charged that same fee when using my Club Carlson Premier Visa card. What gives?

  20. @Deceit: Noooooo!! I just got my CSP and this was my backup plan if I fell a little short! Say it ain’t so.

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  22. I just transferred $999 with my spg amex card to my friend using amazon payments goods/services transfer option. will send an update on how it goes.

  23. @thepani,

    Any news on how the payment went ? Any charges ?

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  26. It worked fine for my for $1K last month.

    A question for those who may know. My wife and I have two joint checking accounts. I set up the first AP account under her name with one account and my card (with her as an Authorized user). Now I set up a second AP account under my name with our second checking account. The question is, is it OK to have the same credit card used on both accounts so I can send up to $2K per month to our daughter for her college rent/expenses?


  27. I am new to AP and did lot of research online and came across two concerns for personal account.
    1. Do I have to give amazon my ssn number?
    2. If I send my wife $1000 per month for 3 month, is my wife or I likely to get 1099?

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  29. Just received an e-mail from Amazon payments: New terms of service effective 12/4/13.

    In the new TOS, it references an obligation to pay fees based on a hyperlinked schedule which looks a lot like Paypal’s 2.9% + $.30 per transaction. I can’t remember from the old TOS if this was in there and they haven’t been enforcing it, or if this is new. Any thoughts would be appreciated.

  30. @WH
    I have not used Amazon Payments myself, but you might want to read this regarding the fee:

  31. WH,

    Good Question… Hopefully someone comes up with an interperation of what the TOS change means going forward?

    I have a question for MMS:
    I know already that I am allowed to send up to $1000 per month with no fees or charges using a credit card to someone else but I’m curious if there is any limit on how much I may receive per month.
    Ex. Friend A sends me $1000 from their credit card
    Friend B sends me $1000 from their credit card
    Friend C sends me $500 from their credit card

    Would there be any fees or charges to me for receiving and withdrawing to my bank account the $2500 transferred to me with a month timeframe?

    Thanks in advance.

  32. Apologies if this was already answered, but do Amazon payments sent via Discover card count towards the card’s 5% cash back bonus for online transactions this quarter?

  33. Yes Susan they do! Once the $1500 is hit you will get $75 cash back.

  34. Is there a way to know which credit card will charge a cash advance fee, and which will not?
    Please comment if you have been charged or not and what CC you used – thank you.

  35. @Rachel, if you never plan on doing a cash advance or are worried about cash advance fees, the best thing to do is call up your credit card companies and tell them to lower your cash advance limit to $0. That way you will never have to worry about cash advance fees. Sorry if that doesn’t answer your question.

  36. Rachel,
    I’ve never been charged a Cash Advance fee with various credit cards (sorry I don’t remember all – but AMEX is one) I’ve used on AP.

    Just make sure you choose “GOODS & SERVICES” when you transfer money. Try a small amount and wait a few days and check your statement online and look for a cash advance fee.

    I like Grant’s idea as well. I almost wish ALL my cards defaulted to not allowing a cash advance – as I’ve never used a credit card that way.

  37. I am a little confused on this. Does the person to whom you are sending money have to have an Amazon Acct. or can I just send money to a person or business that I owe. For instance, can I send money via Amazon to an independent business that does not have an account with Amazon? In other words, does it work like Bluebird ?

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  39. I just signed up for AP and it wont let me send money using a CC. Am I missing something?

  40. Never mind! I got it. Wow. I’m a total n00b. But I do have a follow up question. I see it has a $1000 limit and I’ve been reading my forums where people are able to add family members or friends to their accounts, or use the same SSN to make two accounts and transfer funds between them (i.e A > B > C > A). Any advice for this?

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  42. I was wondering if this is still working for folks interested in meeting the minimum spend? This post was from 2011 and things are always changing. Thanks!

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  44. @Chrissy Cutting just sent (2/11 & 2/12) $500 each (Feb. quota of $1000) to two of my friends to meet the minimum spending requirements of Amex SimplyCash Business Credit Card. They are going to withdraw the money to their bank accounts and pay me back by check or do online a/c to a/c transfer. Have to a give a weeks time to get the money to your checking account.

  45. @SV1010… Did you get charged cash advance fee for the AMEX SimplyCash Business Credit card?
    I have mine just arrived and was thinking to do same to meet min. spending requirement.

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  47. My partner is an AU on one of my cards; can I use her card and her AP acct to send myself money?

  48. @vic, you can but it’s probably not worth the risk of getting your account shut down.

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  51. Hi,

    Today I made a mistake, Instead of withdrawing the fund transferred by a friend to my bank account I transferred to my amazon gift card account, I am not way affordable to loose 1000K in amazon gift card as i rarely make any purchases, Can you please help me with a way to cash the money back ? I called the support after a minute of the transaction and they said they can’t revert a transaction. I am lost, Please help.

  52. Has anyone used the same credit card on 2 different “LEGIT” AP accounts without problem? My daughter has an AP account in her name and she has one of my CC’s. CC Number is the same but name on card is different. Is this “looking for trouble” or don’t they care?

  53. I’m new to all this and have a question about using AP to meet minimum spend: If I pay a friend $1k through AP and they return the money to me, don’t I still have $1k balance on my credit card that I have to pay off?

  54. Holy crap Noob. You really should not partake in MS.

  55. I just got an error when trying to send $980 to another account. It said recipient cannot receive your payment. Contact them to find out why. This was with Citi card and I called them and they said there was no issue on their end. Any idea’s guy?

  56. @Bob, whomever you sent it to does not have a verified Amazon payments account. They don’t have it linked to a bank account or they haven’t set it up properly. Amazon won’t send them the money until their account is correctly set up.

  57. i used to contribute to my church using my credit card, but they would have to pay a fee. Can I use amazon payments to contribute to the church instead (with no fee for either side?)

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