Where to pay your Amazon credit card bill

You can pay your Amazon credit card bill through three main routes: the Amazon.com website, the Amazon mobile app, or by phone with a customer service representative. The fastest method is online through your Amazon account, where you can make a one-time payment or set up automatic payments. If you prefer to speak with someone, Amazon's customer service line for cardholders is available to process payments by phone.

The card is issued by either Chase (for the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Rewards Visa Card) or Synchrony (for the Amazon Store Card), depending on which card you hold. The issuer determines which payment portal you use, so knowing your card type matters before you start.

Key Takeaways

  • Chase-issued Amazon cards can be paid through Amazon.com, the Amazon app, or by calling Chase directly at the number on your card.
  • Synchrony-issued Amazon Store Cards must be paid through Synchrony's website or mobile app, not through Amazon.com.
  • One-time payments typically post within one to three business days, while automatic payments deduct on your chosen date each month.
  • You can pay from a bank account, debit card, or another credit card, though paying with a credit card may trigger a cash advance fee.
  • Late payments are reported to credit bureaus after 30 days past due and can lower your credit score.

Paying through Amazon.com or the app (Chase cards only)

If you hold a Chase-issued Amazon card, log into your Amazon account and go to "Your Account" in the top right corner. Select "Login & security" or "Payments" depending on your account layout, then look for "Manage Your Amazon Credit Card" or a similar option. From there, you can view your current balance, due date, and minimum payment.

To make a one-time payment, select "Make a payment" and enter the amount you want to pay. Amazon will ask you to confirm the payment method — this can be a bank account linked to your Amazon account, a debit card, or another credit card. The payment will post within one to three business days. If you want to avoid logging in each month, you can set up automatic payments to deduct a fixed amount or your full statement balance on a date you choose.

The Amazon mobile app follows the same path: tap the menu icon, go to "Your Account," then find your card payment option. The process is identical to the website version.

Paying through Chase's website or app (Chase cards only)

You can also pay your Chase Amazon card directly through Chase.com or the Chase mobile app without going through Amazon. Log into your Chase account, select your Amazon card from the list of accounts, and choose "Make a payment." This route is useful if you manage multiple Chase cards in one place or prefer Chase's payment interface.

Chase also allows you to set up automatic payments here, and you can choose to pay your full balance, the minimum payment, or a custom amount. Payments made through Chase typically post within one to three business days as well.

Paying a Synchrony-issued Amazon Store Card

The Amazon Store Card is issued by Synchrony, not Chase, so you cannot pay it through Amazon.com. Instead, visit Synchrony.com, log into your account, and select your Amazon Store Card. Choose "Make a payment" and enter your payment amount and method. You can also read the Synchrony mobile app and pay through there.

Synchrony accepts payments from bank accounts, debit cards, and credit cards. Like Chase, Synchrony posts one-time payments within one to three business days and allows you to set up recurring automatic payments. Your payment due date and current balance are visible in your Synchrony account dashboard.

Paying by phone

To pay by phone, call the customer service number on the back of your card. A representative will ask for your account number and the amount you want to pay, then confirm your payment method. Phone payments typically post within one to three business days, the same as online payments.

For Chase-issued cards, you can also call Chase directly at the number on your statement. For the Amazon Store Card, call Synchrony's customer service line. Both issuers have automated phone systems that allow you to make payments without speaking to a representative, though a live agent is available if you need help.

Payment methods and fees

You can pay with a bank account, debit card, or another credit card. Paying from a bank account or debit card is free and the most straightforward option. If you pay with another credit card, be aware that the issuer may treat it as a cash advance, which typically charges a fee (usually 3 to 5 percent of the payment amount) and starts accruing interest when ready, even if your Amazon card has a 0% promotional rate.

Some payment platforms, like third-party bill pay services, may charge a fee to process your payment. Amazon.com and both Chase and Synchrony do not charge a fee for payments made directly through their websites or apps. Check your bank's bill pay service if you use that route — some banks charge a small fee per transaction.

Timing and posting dates

Payments made online or by phone typically post within one to three business days. If you are close to your due date, make your payment at least three business days before the due date to avoid a late payment. Payments made on weekends or holidays may not post until the next business day.

If you set up automatic payments, the money will deduct on the date you choose each month. Make sure you have enough funds in your bank account on that date, or the payment may fail and trigger a late fee. You can change your automatic payment date or amount at any time through your account settings.

What happens if you miss a payment

If your payment is not received by the due date, you will be charged a late fee. The amount varies by issuer but typically ranges from $25 to $40 for the first late payment. After 30 days past due, the late payment is reported to the three major credit bureaus — Equifax, Experian, and TransUnion — and will lower your credit score.

If you realize you have missed a payment, make it as soon as possible. The sooner you pay, the less damage to your credit score. If you are having trouble making a payment, contact your card issuer's customer service line to discuss your options; some issuers offer hardship programs or payment plans for cardholders facing financial difficulty.

Frequently Asked Questions

Can I pay my Amazon credit card bill with Amazon gift cards or store credit?

No. Amazon gift cards and store credit cannot be used to pay your credit card bill. You must pay with a bank account, debit card, or another credit card. Store credit can only be used to purchase items on Amazon.com.

What is the difference between my statement balance and my current balance?

Your statement balance is what you owed as of your last billing cycle and is the amount shown on your monthly statement. Your current balance includes any new purchases or payments made since your statement closed. You can pay either amount, but paying your full statement balance by the due date avoids interest charges.

Can I set up automatic payments for less than my full balance?

Yes. Both Chase and Synchrony allow you to set up automatic payments for a fixed dollar amount, your minimum payment, or your full statement balance. You can change the amount or date at any time through your account settings.

What should I do if my payment fails?

If your automatic payment fails, your issuer will send you a notice. Log into your account and try making the payment again with a different payment method, or call customer service. A failed payment may result in a late fee if it is not processed by your due date, so address it when ready.

Is there a way to pay my Amazon credit card at a physical location?

No. Amazon credit cards cannot be paid in person at Amazon stores, Best Buy, or other retailers. You must pay online, through the mobile app, or by phone. Some issuers may accept payments by mail if you send a check, though this is slower and riskier than online payment.