Yes. An Amazon Store Card (or Amazon Prime Store Card) is unsecured consumer debt and is treated like any other unsecured credit card balance in a bankruptcy filing. The card is issued by Synchrony Bank under a private-label arrangement with Amazon; the underlying obligation is to Synchrony, not to Amazon directly. In Chapter 7 bankruptcy, the entire balance is typically dischargeable along with other unsecured debts.
How the card is structured. The Amazon Store Card is a closed-loop credit card (only usable at Amazon and partner sites). It is issued by Synchrony Bank. Like other private-label cards, the credit agreement is between you and Synchrony, not Amazon. Amazon receives payment from Synchrony at the point of purchase; you owe Synchrony for the balance.
Treatment in Chapter 7. The Amazon Store Card balance is unsecured consumer debt. In Chapter 7, the trustee inventories your assets, sells non-exempt assets to pay creditors pro-rata, and discharges remaining unsecured debts. Amazon Store Card debt is included in this discharge. After discharge, you have no further obligation to pay Synchrony for the balance.
Treatment in Chapter 13. In Chapter 13, you propose a 3-5 year repayment plan that pays a portion of unsecured debts (often 5%-100% depending on your disposable income). The Amazon Store Card debt is included in the plan as an unsecured claim. After completing the plan, the remaining balance is discharged.
Recent purchases. Charges made within 90 days of bankruptcy filing for non-essential goods may be considered presumptively non-dischargeable as fraudulent. If you made significant Amazon Store Card charges in the 90 days before filing (especially luxury items or unusual purchases), the trustee or Amazon's representative may object to discharge of those charges. Honest debtors with normal purchase patterns rarely face this challenge.
The deferred-interest issue. Some Amazon Store Card promotional financing offers (e.g., "no interest if paid in 12 months") use deferred interest. If you do not pay off the promotional balance within the period, all interest from the original purchase date is added to the balance. This added interest can be substantial. In bankruptcy, the deferred interest is generally dischargeable along with the principal.
Synchrony as creditor. Synchrony will be listed as the creditor on the bankruptcy petition, not Amazon. Synchrony's collections division will receive notice of the bankruptcy and the automatic stay; Amazon may receive separate notice. Both must stop collection efforts upon receiving the stay.
Future Amazon Store Card relationship. Synchrony will close the account upon bankruptcy filing. After discharge, you cannot reapply for the Amazon Store Card immediately; Synchrony will likely deny applications for several years. This is similar to the relationship with any creditor whose debt was discharged in bankruptcy.
Authorized users. Authorized users on an Amazon Store Card are not personally liable for the balance and are not affected by your bankruptcy. The authorized user's credit report may briefly show the account; bankruptcy of the primary cardholder does not require the authorized user to file.
Other Synchrony cards. Synchrony issues many private-label cards (Lowe's, JC Penney, Old Navy, Sam's Club, Care Credit, etc.). All are treated as unsecured debt in bankruptcy, similar to the Amazon Store Card. If you have multiple Synchrony cards, all balances should be listed in your bankruptcy petition.
Bankruptcy filing process. List the Amazon Store Card on Schedule E/F (Creditors with Unsecured Claims) of your bankruptcy petition. Include the creditor name (Synchrony Bank), the account number, the date the account was opened, and the current balance. The trustee will mail notice of the bankruptcy to the creditor. Synchrony has the opportunity to file a proof of claim or object to discharge.