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 route is logging into Amazon.com, going to your account, and selecting "Pay Your Credit Card Bill" — the payment posts the same day if you pay before the cutoff time, which is usually 8 p.m. ET on business days. You can also call the customer service number on the back of your card to make a payment over the phone, or mail a check to the address shown on your statement.

The card itself is issued by one of two banks depending on which Amazon card you hold: Chase Bank for the Amazon Prime Rewards Visa and the Amazon Business Prime Rewards Visa, or Synchrony Bank for the Amazon Store Card. Knowing which bank issued your card matters because it determines which customer service number to call and which online portal you log into to make a payment.

Key Takeaways

  • Payments made through Amazon.com or your card issuer's website post the same business day if submitted before the evening cutoff time.
  • Chase issues the Amazon Prime Rewards Visa and Amazon Business Prime Rewards Visa; Synchrony issues the Amazon Store Card, and each has its own payment portal and phone line.
  • You can pay by phone, mail, or through your bank's bill pay system, though these methods take longer than paying online.
  • Your payment due date appears on your statement and in your online account; paying at least the minimum by that date avoids a late fee and protects your credit score.

Paying through Amazon.com

Log into Amazon.com with the account associated with your card. Hover over "Account & Lists" in the top right corner and select "Your Account." Scroll down to find "Amazon Credit Card" or "Amazon Store Card" depending on which card you hold. Click "Manage Your Account" or "Pay Your Credit Card Bill." You will see your current balance, minimum payment due, and due date.

Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method (usually the same card or a linked bank account) and confirm. The payment posts when ready to your account, though it may take one to two business days to show as a credit on your statement. If you pay before the cutoff time on a business day, the payment is processed the same day.

Paying through your card issuer's website

If you hold a Chase-issued Amazon card (Prime Rewards Visa or Business Prime Rewards Visa), you can also log into Chase.com directly. Create or sign in to your Chase account, select your Amazon card, and choose "Make a Payment." If you hold the Amazon Store Card issued by Synchrony, log into Synchrony.com, find your account, and select the payment option.

Both portals show your balance, due date, and payment history. You can set up a one-time payment or schedule recurring automatic payments on a date you choose. Automatic payments can be set to pay your full balance, your minimum payment, or a fixed amount each month. This removes the risk of forgetting a payment, though you should still check your statement each month to catch any errors.

Paying by phone

Call the customer service number on the back of your card. A representative will verify your identity and ask how much you want to pay. They will confirm your payment method — usually a bank account or another card — and process the payment over the phone. The payment posts within one to two business days.

Phone payments are useful if you have questions about your balance or due date, or if you are having trouble with the online portal. However, they take longer than online payments and require you to speak with a representative during business hours. Keep the confirmation number the representative gives you for your records.

Paying by mail

Write a check or money order payable to your card issuer (Chase or Synchrony, depending on your card). Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address and is used only for payments.

Mail payments typically take five to seven business days to reach the issuer and post to your account. Because of this delay, mail a payment at least one week before your due date to avoid a late fee. If you are close to your due date, use online or phone payment instead. Keep a copy of the check or a photo of it for your records.

Paying through your bank's bill pay system

Many banks allow you to pay bills directly from your checking account through their website or mobile app. Log into your bank's portal, select "Pay Bills," and add your credit card as a payee. Enter the payment amount and choose the date you want the payment sent. Your bank will mail a check on your behalf or send the payment electronically, depending on the payee.

Bill pay payments typically take three to five business days to post. Like mail payments, send bill pay at least one week before your due date. This method is useful if you prefer to manage all your payments in one place, but it is slower than paying directly through your card issuer's website or Amazon.com.

What happens if you miss a payment

If your payment does not post by the due date shown on your statement, your account will be reported as late. A late fee (usually $25 to $40, depending on your card terms) will be added to your balance. More importantly, the late payment will be reported to the credit bureaus and will lower your credit score. Even one late payment can stay on your credit report for up to seven years.

If you realize you will miss a due date, contact your card issuer when ready. Some issuers will waive a single late fee if you have a good payment history and call before the payment is reported. The sooner you call, the better your chances. After you miss a payment, your interest rate may increase, and you may lose any promotional rates you had on the card.

Setting up automatic payments

Both Chase and Synchrony allow you to set up automatic payments that deduct money from your bank account on a date you choose each month. You can choose to pay your full balance, your minimum payment, or a fixed amount. Automatic payments remove the risk of forgetting a due date and can help you avoid late fees and interest charges.

To set up automatic payments, log into your card issuer's website, find the payment settings, and select "Automatic Payment" or "Recurring Payment." Choose your payment date (ideally a few days after you receive your paycheck) and your payment amount. You can change or cancel automatic payments at any time. Even with automatic payments turned on, check your statement each month to make sure the payment posted correctly and to catch any billing errors.

Frequently Asked Questions

What time do payments post if I pay online?

Payments made through Amazon.com or your card issuer's website before the cutoff time (usually 8 p.m. ET) post the same business day. Payments made after the cutoff or on weekends post the next business day. Check your card issuer's website for the exact cutoff time for your account.

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

Most card issuers do not allow you to pay your credit card bill with another credit card. You can pay with a debit card, bank account, or check. Paying with a debit card or bank account is the fastest option and posts the same day if done before the cutoff time.

What is the difference between my due date and my statement date?

Your statement date is when your billing cycle closes and your statement is generated. Your due date is when your payment must post to avoid a late fee, usually 21 to 25 days after your statement date. Both dates appear on your statement and in your online account.

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

You can pay any amount between the minimum and your full balance. However, if you pay less than your full balance, you will be charged interest on the remaining amount at your card's APR. Paying your full balance each month avoids interest charges entirely.

What should I do if my payment did not post?

Check your online account to see if the payment is pending. Pending payments usually post within one to two business days. If the payment does not post after two business days, or if you do not see it listed as pending, contact your card issuer's customer service line to investigate.