The equal monthly payment option, as of the time of this writing, allows you to make equal monthly payments over 6, 12, or 24 months (depending on purchase size) at 0% interest. Otherwise they both have no annual fee, and they both offer both an ‘equal monthly payment’ option and a ‘special financing’ option. Pretty much the only difference between these two credit cards is that with the Amazon Prime Store Card you can opt to get 5% Amazon credit back on all of your Amazon purchases as an alternative to the financing options, with the non-Prime Amazon Store Card you get only the financing options. The Amazon Prime Store Card is what you get if you also subscribe to Amazon Prime, while people who don’t subscribe to Prime get the Amazon Store Card (no Prime), and this tracks automatically: if you have Amazon Prime you have the Prime Store Card, if you cancel Prime your store card becomes the not-Prime version, and vice versa.
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