Where to send your Amazon credit card payment
The Amazon credit card is issued by Chase, so you send payments to Chase, not to Amazon. You have four main ways to pay: online through your Chase account, by phone, by mail, or through automatic payments set up in advance.
The fastest route is logging into your Chase online account or the Chase mobile app, finding your Amazon card, and paying right there. Chase processes online payments the same business day if you submit before their cutoff time, which is typically 8 p.m. Eastern. If you miss that window, the payment posts the next business day.
You can also call Chase's payment line at the number on the back of your card. A representative will take your payment over the phone using your bank account or another card. This method works if you prefer speaking to someone or need to discuss your account at the same time.
Key Takeaways
- Amazon credit cards are issued by Chase, so you pay Chase directly, not Amazon or any other company.
- Online payments through Chase's website or app post the same business day if submitted before 8 p.m. Eastern; after that cutoff, they post the next business day.
- You can set up automatic payments to pay your full balance, minimum payment, or a fixed amount on a date you choose each month.
- Mail payments take 5 to 7 business days to arrive, so send them at least a week before your due date to avoid late fees.
- Late payments trigger a fee and can raise your interest rate, so setting up autopay removes the risk of forgetting.
Automatic payments save you from missed due dates
Setting up automatic payments means Chase pulls money from your bank account on a date you pick each month. You choose whether to pay your full statement balance, just the minimum payment, or a fixed dollar amount. Most people choose full balance to avoid interest charges.
You set this up in your Chase account under "Payment settings" or "Autopay." Once it's running, you don't have to think about it — the payment happens whether you remember or not. If your balance varies month to month, paying the full balance automatically means you never carry a balance into the next month.
You can change or cancel autopay anytime through your account, and you can make extra payments on top of your automatic payment if you want to pay down the balance faster. Just make sure your bank account has enough money on the payment date, or the payment will fail and you may face a returned-payment fee.
Mailing a check or money order
If you prefer to pay by mail, write a check or money order and send it to the address printed on your statement or shown in your Chase account. Do not send payment to an Amazon address — it will be misdirected and delayed.
Mail takes 5 to 7 business days to reach Chase's processing center, so send your payment at least a week before your due date. If you mail it closer to the due date and it arrives late, you will be charged a late fee even though you sent it on time. For this reason, mail is the slowest and riskiest method.
Always include your account number on the check or money order so Chase can match the payment to your card. If you don't include it, Chase may not know which account the money belongs to, and your payment could be delayed.
What happens if you miss a payment
If your payment does not arrive by your due date, Chase charges a late fee. The amount depends on your balance and your card terms, but late fees typically range from $25 to $35 for the first late payment. A second late payment in the same billing cycle may cost more.
Missing a payment also triggers a higher interest rate on your card, sometimes called a "penalty rate." This rate applies to new purchases and any existing balance, making your debt more expensive. The penalty rate stays in place for at least six months if you pay on time after that.
Late payments also show up on your credit report and can lower your credit score. The damage is worst if you are 30 or more days late. If you realize you will miss a due date, call Chase when ready — sometimes they can waive a single late fee if you have a good payment history, though they are not required to.
Payment timing and your statement cycle
Your statement closes on a specific date each month, and your due date is usually 21 to 25 days after that. Charges you make after your statement closes appear on next month's statement, not this month's. This means you have a grace period between when you make a purchase and when payment is due.
If you pay your full statement balance by the due date, you pay no interest on those purchases. If you carry a balance into the next month, interest starts accruing when ready on the unpaid amount. The interest rate on Amazon credit cards varies based on your creditworthiness, but it typically ranges from 16% to 24% annually.
Payments are credited to your account in this order: minimum payment first, then any amount above that goes to the highest-interest balance. This means if you carry balances from different purchases at different rates, your extra payment goes toward the most expensive debt first, which saves you money.
Paying more than the minimum
Your statement shows a minimum payment, usually 1% to 3% of your balance. Paying only the minimum means you carry the rest of the balance into next month and pay interest on it. If you have a large balance, paying only the minimum takes years to pay off and costs hundreds in interest.
Paying more than the minimum reduces how much interest you owe and gets you out of debt faster. Even an extra $25 or $50 per month makes a real difference over time. If you can pay the full statement balance, that is the best option because you pay zero interest.
You can make multiple payments in a single month if you want to. Some people pay half their balance when they get paid mid-month, then pay the rest when they get their next paycheck. This spreads out the cash flow and reduces the interest that accrues between payments.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. Amazon does not process payments for the Amazon credit card. You must pay Chase directly through their website, app, phone line, or by mail. If you try to pay through Amazon, the payment will not go through.
How long does it take for my payment to show up?
Online and phone payments post the same business day or the next business day, depending on when you submit them. Mail payments take 5 to 7 business days. Automatic payments post on the date you set them up for. Check your account to confirm the payment posted before assuming it went through.
What if I pay more than I owe?
Chase holds the overpayment as a credit on your account and applies it to your next statement. You can also request a refund of the overpayment, though it may take a few business days to process. Call the number on your card to request a refund if you prefer not to carry a credit balance.
Is there a fee to pay my bill online?
No. Chase does not charge a fee for online, phone, or automatic payments. Mail payments are free too, though they take longer. Some third-party payment services charge fees, so always pay directly through Chase to avoid unnecessary charges.
What if my payment fails?
If an automatic payment fails because your bank account does not have enough money, Chase may charge a returned-payment fee and your account will be past due. Contact Chase right away to make a manual payment and ask if they will waive the fee. Going forward, make sure your bank account has enough money on the payment date.