How to pay your Amazon credit card bill

You can pay your Amazon credit card bill through your Amazon account, by phone, by mail, or through your bank's bill pay system. The fastest way is logging into your Amazon account, going to "Login & security," then "Your payments," and selecting the card you want to pay. From there you can make a one-time payment or set up automatic payments. If you prefer not to use Amazon's website, you can call the card issuer directly — Chase, for the Amazon Prime Rewards Visa Signature Card and most other Amazon cards — at the number on the back of your card.

The payment reaches your account the same day if you pay before the cutoff time (usually early afternoon Eastern time on business days). Payments made after that time or on weekends and holidays post the next business day. You should never wait until your due date to pay, because mail can take five to ten business days and delays mean late fees and interest charges.

Key Takeaways

  • Paying through your Amazon account is the fastest method and shows your payment status when ready after you submit it.
  • You can set up automatic payments from your Amazon account so your full balance or a fixed amount pays on the same day each month.
  • Payments made by phone, mail, or bank bill pay take longer and should be sent at least a week before your due date to arrive on time.
  • Late payments trigger a fee (the amount depends on your card terms) and a higher interest rate on your remaining balance.

Paying through your Amazon account

Log into your Amazon account on any device and select "Account" in the top right corner. Choose "Login & security," then scroll down to find "Your payments." Select the Amazon credit card you want to pay. You will see your current balance, minimum payment due, and due date.

Enter the amount you want to pay — you can pay any amount from the minimum up to your full balance. Review the payment amount and confirm. The payment processes when ready and you will see a confirmation number. The funds leave your bank account within one to two business days, but your card issuer receives the payment the same day you submit it (if submitted before the cutoff time).

To set up automatic payments, go to the same "Your payments" section and select "Set up automatic payments." Choose whether you want to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Pick the day of the month you want the payment to occur. The system will deduct that amount automatically every month on that date, so you never have to remember to pay.

Paying by phone

Call the number on the back of your Amazon credit card. A representative will verify your identity by asking for your card number, Social Security number, or other information. Tell them you want to make a payment and provide the amount. They will ask for your bank account number and routing number (for an ACH transfer) or a debit card number.

Payments made by phone take one to two business days to post to your account. If you are close to your due date, this delay matters — a payment made three days before the due date might not arrive until after the due date has passed. Always allow at least five business days when paying by phone.

Paying by mail

Write a check or money order payable to Chase (or the card issuer listed on your statement). Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from the address where you receive your bill.

Mail payments take five to ten business days to arrive, depending on where you live and where the payment center is located. A payment mailed one week before your due date might still arrive late. Mail is the slowest option and should only be used if you have no other way to pay. Keep a copy of the check or the envelope for your records.

Paying through your bank's bill pay system

Log into your bank's website or app and look for "Bill Pay" or "Pay Bills." Add your Amazon credit card as a payee using the payment address from your statement. Enter the amount and select the date you want the payment sent. Your bank will mail a check on your behalf or transfer the funds electronically.

Bank bill pay typically takes three to five business days. Like mailing a check yourself, this method is slower than paying directly through Amazon or by phone. Use it only if you prefer to manage all your bills in one place and have time to spare before your due date.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, your card issuer charges a late fee. The amount varies by card and issuer — check your card agreement for the specific fee. You also start paying interest on your remaining balance at a higher rate (the penalty APR), even if you had a 0% introductory rate before.

A late payment stays on your credit report for seven years and damages your credit score. If you miss a payment by 30 days or more, the issuer may report it to the credit bureaus. If you realize you will miss a due date, call the card issuer when ready — some will waive a single late fee if you have a good payment history and call before the payment is reported as late.

Setting up automatic payments to avoid late fees

Automatic payments remove the risk of forgetting to pay. Once you set them up through your Amazon account, the payment happens on the same day every month without any action from you. You can choose to pay your full statement balance (so you carry no debt month to month), a fixed amount, or just the minimum payment.

Paying the full balance automatically is the best option if you want to avoid interest charges and keep your credit score high. If you pay only the minimum, you will pay interest on the remaining balance, but at least you will never be late. You can change or cancel automatic payments anytime through your Amazon account, so there is no risk in setting it up.

Frequently Asked Questions

Can I pay my Amazon credit card bill with another credit card?

No. Credit card issuers do not accept payments from other credit cards because it increases fraud risk and creates debt cycles. You must pay from a bank account (checking or savings), by check, or through your bank's bill pay system.

What time of day does my payment need to arrive to count as on-time?

Payments submitted through your Amazon account before the cutoff time (usually early afternoon Eastern time) post the same day. Payments made after that time or on weekends post the next business day. Your due date is the calendar date shown on your statement — the payment must post by 11:59 p.m. Eastern time on that date to be on-time.

Do I have to pay my full balance or can I pay just the minimum?

You can pay any amount from the minimum payment up to your full balance. Paying only the minimum keeps you from being late, but you will pay interest on the remaining balance. Paying your full balance avoids interest and is better for your credit score.

What if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling the card issuer. Refunds typically take five to seven business days to appear in your bank account.

Can I change my automatic payment date if it does not work with my pay schedule?

Yes. Log into your Amazon account, go to "Your payments," and select "Manage automatic payments." You can change the payment date, the payment amount, or turn off automatic payments entirely. Changes take effect on your next scheduled payment date.