What the Amazon Credit Account is and how to pay it
The Amazon Credit Account is a line of credit issued by Amazon through a bank partner. When you use it to make purchases on Amazon or at participating retailers, you receive a bill that you pay back separately from your regular Amazon account balance. You can pay this bill online through your Amazon account, by phone, by mail, or through automatic payments.
The payment process itself is straightforward: you log into your Amazon account, find your credit account statement, and submit a payment using a bank account or debit card. The payment posts within one to three business days, depending on the payment method you choose. Understanding where to find your statement and which payment methods are available to you will save you time and help you avoid late fees.
Key Takeaways
- You can pay your Amazon Credit Account through your Amazon account online, by phone at the number on your statement, by mail, or through automatic payments set up in your account.
- Online payments made before 11:59 p.m. Pacific Time typically post within one business day, while payments made after that time post the next business day.
- You can set up automatic monthly payments to pay your full balance, a fixed amount, or a minimum payment, which reduces the risk of missing a due date.
- Late payments trigger fees and can lower your credit score, so setting a calendar reminder or automatic payment is worth the two minutes it takes to set up.
Finding your Amazon Credit Account statement online
Log into your Amazon account and go to "Account & Lists" in the top left corner. From there, select "Your Account" and look for a section labeled "Amazon Credit Account" or "Manage Your Credit Account." This section shows your current balance, due date, and recent transactions. If you have multiple Amazon credit accounts (for example, a personal account and a business account), you will see them listed separately.
Your statement shows the amount you owe, the minimum payment due, the due date, and your interest rate. It also displays your available credit — the amount you can still borrow. If you cannot find this section, search your account for "credit account" or "store card" to locate it. The exact wording varies slightly depending on which bank partner issued your card, but the location in your account settings remains the same.
Paying online through your Amazon account
Once you have located your credit account statement, look for a "Make a Payment" button or link. Click it and you will be taken to a payment form. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Then select your payment method: either a bank account (using routing and account numbers) or a debit card.
Bank account payments are free and typically post within one business day. Debit card payments also post within one business day but may carry a small fee depending on your card issuer. After you submit the payment, you will receive a confirmation number. Save this number in case you need to reference the payment later. Your available credit will update once the payment posts, usually the next business day.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. In your Amazon account credit section, look for "Autopay" or "Automatic Payments" and select "Set Up" or "Manage." You will choose how much to pay each month: the full statement balance, a fixed dollar amount, or the minimum payment due.
Most people choose to pay the full balance automatically, which means you will not carry a balance and will not pay interest. If you choose a fixed amount or minimum payment, the remaining balance will accrue interest at your card's APR. Automatic payments deduct from your bank account on or shortly after your due date each month. You can change or cancel automatic payments at any time through the same menu, though canceling means you will need to remember to pay manually again.
Paying by phone or mail if you prefer not to use your account online
Your credit account statement includes a phone number you can call to make a payment. A representative will ask for your account number and the amount you want to pay, then request your bank account or debit card information. Phone payments are free and post within one to three business days. Have your statement in front of you when you call so you can provide your account number quickly.
You can also mail a check or money order to the address printed on your statement. Write your account number on the check and mail it to the address listed under "Payment Address" on your statement. Mail payments take seven to ten business days to arrive and post, so send your payment at least two weeks before your due date if you use this method. Keep a copy of the check or a photo of it for your records.
Understanding posting times and when your payment counts as on time
Online payments made before 11:59 p.m. Pacific Time typically post the next business day. Payments made after 11:59 p.m. Pacific Time post the following business day. A payment is considered on time if it posts by 11:59 p.m. Pacific Time on your due date. If your due date falls on a weekend or holiday, your payment is on time if it posts by the end of the next business day.
This timing matters because late payments trigger a late fee (usually $25 to $35 for the first late payment) and can lower your credit score. If you are cutting it close to your due date, use an online payment rather than mail or phone, since online payments post faster. If you know you will be away from your account on your due date, set up automatic payments instead of relying on a one-time payment.
What to do if your payment does not post or you need a receipt
If you made an online payment and it has been more than three business days without posting, log back into your account and check your payment history. Your payment history shows all payments you have made in the past 12 months, including the date submitted, the amount, and the status (pending, posted, or failed). If your payment shows as "failed," the payment method you used was declined — usually because the card or bank account information was incorrect or the account had insufficient funds.
If your payment failed, you will need to submit a new payment using a different payment method or after correcting the information. If your payment shows as "pending" and it has been three business days, contact Amazon customer service through your account or call the number on your statement. Keep your confirmation number handy when you contact them. For your records, you can print or screenshot your payment confirmation from your account history at any time.
Frequently Asked Questions
Can I pay my Amazon Credit Account with another credit card?
No, you cannot pay your Amazon Credit Account with another credit card through your Amazon account. You can only use a bank account or debit card. Paying a credit card with another credit card typically counts as a cash advance and triggers higher fees and interest rates anyway, so using a bank account or debit card is the better choice.
What happens if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund. To request a refund, contact Amazon customer service and provide the amount you want refunded. Refunds are sent to the original payment method and take five to seven business days to appear.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. However, if you pay less than the full balance, the remaining amount will accrue interest at your card's APR. Paying only the minimum means you will pay more in interest over time, so paying the full balance whenever possible saves you money.
What if I miss my due date?
A late payment fee (usually $25 to $35) will be added to your account, and the late payment will be reported to credit bureaus, which can lower your credit score. If you miss your due date, make a payment as soon as you realize it. The sooner you pay, the less additional interest will accrue on your balance. Contact Amazon customer service if you want to discuss the late fee.
Can I change my automatic payment amount or due date?
You can change your automatic payment amount at any time through your account settings. However, you cannot change your due date — it is set by the bank that issued your credit account and is the same each month. If you need to adjust when money leaves your bank account, you can cancel automatic payments and make manual payments on a different day instead.