Does Amazon Accept Prepaid Cards In 2023? [Visa, Master Card + Amex]

Pre-loaded cards have gained popularity as a mode of payment since they are not associated with a bank account. Money is required to be deposited onto these cards beforehand, making them an ideal choice for presents or managing expenses.

You might be curious if Amazon accepts pre-loaded cards as a payment method. I had the same question, and upon conducting some research, I uncovered all the relevant information!

Amazon, Image Credit: Amazon

Does Amazon Accept Prepaid Cards In 2023?

Is Amazon Compatible with Pre-loaded Cards in 2023? Amazon welcomes pre-loaded Visa, Mastercard, and American Express cards on both and the Amazon application. These cards grant access to purchasing countless products on Amazon with only a few limitations, much like the platform’s acceptance of major credit and debit cards.

To delve into the various possibilities of utilizing pre-loaded cards on Amazon, including the range of purchasable items and any existing constraints, be sure to continue reading our comprehensive guide!

Does Amazon Accept Prepaid Visa?

Can You Use Pre-loaded Visa Cards on Amazon? Pre-loaded Visa cards can indeed be utilized for purchasing a wide variety of items on Amazon.

Given its extensive range of product categories and constantly evolving inventory, Amazon has become a preferred destination for using pre-loaded Visa cards.

Amazon’s approach to pre-loaded Visa cards is similar to that of regular credit/debit cards.

To use your card, simply verify the necessary details such as the card number and expiration date. Once these are confirmed, your card can be added to your Amazon wallet and employed to complete transactions.

Moreover, Amazon not only accepts pre-loaded Visa cards but also offers the Amazon Rewards Visa Signature Card.

As the official credit card collaborator for Amazon, it is only logical that the platform would accept pre-loaded Visa cards as well.

Does Amazon Accept Prepaid Mastercards?

Can You Use Pre-loaded Mastercards on Amazon? Amazon indeed accepts pre-loaded Mastercards as a valid payment method, much like traditional credit or debit Mastercards.

To employ a pre-loaded Mastercard on Amazon, simply sign in to your account and input the card details under your payment methods, including the card number and expiration date.

At the checkout, choose the pre-loaded Mastercard to finalize your Amazon transaction.

Amazon essentially treats these cards in the same manner as other Mastercards, with the exception of not permitting the combination of prepaid and credit cards in a single transaction.

This implies that pre-loaded Mastercards can be utilized for purchasing any product on Amazon, provided that the card’s balance is sufficient to cover the order’s cost.

Amazon, Image Credit: Amazon

Does Amazon Take Prepaid American Express?

Is Pre-loaded American Express Accepted on Amazon? Amazon supports pre-loaded American Express cards, along with Visa and Mastercard, as valid payment methods for purchases.

Whether you have a pre-loaded Visa, Mastercard, or American Express card, you can use it in the same way as a regular credit or debit card.

Once you’ve added the American Express pre-loaded card to your Amazon account, you’ll be able to explore and shop from a vast array of items in every category. Amazon doesn’t impose limitations on what can be purchased with a pre-loaded Amex card.

When you’re ready to check out, simply select your pre-loaded card as your preferred payment method to finalize your order and start the delivery process.

A significant advantage of using pre-loaded cards for Amazon payments is their widespread availability. The majority of major retailers offer pre-loaded Visa, Mastercard, and American Express cards, which are often used as gift items.

As long as the card is valid and has an adequate balance, you should encounter no issues utilizing this accepted payment method for your Amazon purchases.

Can You Use Prepaid Discover Cards On Amazon?

Is it Possible to Use Pre-loaded Discover Cards on Amazon? Among the four prominent credit card providers in the U.S., Discover is the only one whose pre-loaded cards are not supported by Amazon for payments.

While Discover credit or debit cards are accepted for all Amazon purchases, just like Visa, Mastercard, or American Express, pre-loaded Discover cards are not currently included in the approved payment options.

However, there are alternative locations where you can use pre-loaded Discover cards, such as Target.

Should Amazon modify its accepted payment policies in the future to include pre-loaded Discover cards, the information will be made available on the official Amazon page dedicated to approved payment methods.

What Are Amazon Restrictions On Prepaid Cards?

Are There Any Restrictions on Pre-loaded Cards on Amazon? While Amazon generally facilitates smooth purchases using pre-loaded cards, there are a few limitations to consider when paying for a vast array of items online.

For pre-loaded Visa, Mastercard, and American Express cards, Amazon does not provide the option to input the three-digit CVV code located on the card’s back.

If the issuing bank mandates the code, payments might not be successfully processed. Additionally, you cannot merge these pre-loaded cards with credit cards in a single transaction.

Amazon further highlights that some banks necessitate pre-loaded cards to be registered with the cardholder’s name and billing address, and a $1 authorization is needed to verify the payment method’s validity.

Though the authorization is not an actual charge, certain banks may retain the authorized funds as inaccessible until the authorization expires.

In other words, if your pre-loaded card is associated with a specific bank, an additional dollar might be temporarily unavailable for spending until your initial payment on Amazon is processed successfully.

It is important to note that these restrictions are applicable only to certain pre-loaded cards. Apart from these limitations, Amazon ensures a hassle-free payment experience with the most widely used pre-loaded cards.

If any issues arise with your pre-loaded card, such as insufficient funds, your Amazon order will not be processed. However, you will be informed, allowing you to supply an alternative payment method.

Are Amazon Gift Cards Prepaid?

Is Amazon Gift Card Balance Pre-loaded? It’s essential to note that Amazon enables you to top up your gift card balance or utilize Amazon Cash to manage your spending effectively.

Amazon gift cards and Amazon Balance are pre-loaded, making them particularly suitable for customers looking to adhere to a specific budget and prevent excessive spending.

Once you’ve topped up your Amazon Balance, it effectively functions as a pre-loaded card payment method, enabling you to use it for any Amazon orders.

Amazon, Image Credit: Amazon

Whether you’ve received an Amazon gift card as a gift or you opt to add cash to your account at a participating store, Amazon accommodates these pre-loaded alternatives.

Additionally, Amazon provides details on its pre-loaded card and reloading options online, offering various methods to increase your Amazon Balance for a worry-free pre-loaded experience.

Also Read: Buying A Gift On Amazon In 2023 [How It Works, + More]


For those who prefer the convenience of pre-loaded cards with funds added in advance, Amazon is an excellent shopping destination. The top e-commerce platform accepts pre-loaded Visa, Mastercard, and American Express cards.

Additionally, Amazon store cards, gift cards, and Amazon Cash serve as viable alternatives to conventional credit and debit cards. With Amazon’s acceptance of pre-loaded cards for a myriad of products, including household items and tech gadgets, you can indulge in a hassle-free online shopping experience.