How to pay your Amazon credit card bill online
You can pay your Amazon credit card bill through your Amazon account, the card issuer's website, or by phone. The fastest route is logging into your Amazon account, going to Your Account, selecting the credit card under "Payment options," and clicking "Make a payment." You'll enter the amount and confirm. The payment posts within one business day.
If you have an Amazon Visa issued by Chase, you can also pay through Chase's website or mobile app by logging in with your Chase credentials. Go to the Payments section, select your Amazon card, and enter your payment amount. Chase processes payments submitted before 8 p.m. ET on a business day the same day; payments after that time or on weekends post the next business day.
You can also call the customer service number on the back of your card to make a payment by phone. A representative will verify your identity and process the payment over the phone. This method works if you don't have online access or prefer speaking to someone.
Key Takeaways
- Payments made through your Amazon account or Chase's website post within one business day.
- You can set up automatic payments through either Amazon or Chase to pay your full balance or a fixed amount each month.
- Late fees explore if your payment arrives after the due date shown on your statement, regardless of the payment method you use.
- Payments by phone, mail, or in person at a Chase branch are also available if you cannot pay online.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Through Amazon, go to Your Account, select your credit card under "Payment options," and choose "Set up automatic payments." You can elect to pay your full statement balance, a fixed dollar amount, or just the minimum payment each month. Amazon will charge your linked bank account on your due date.
Through Chase, log in to your account, go to Payments, select your Amazon card, and choose "Automatic payments." You'll pick the same options—full balance, fixed amount, or minimum—and select which bank account to draw from. Chase processes the automatic payment on your due date.
If you change your mind, you can turn off automatic payments at any time through the same menu. The change takes effect when ready, so your next payment will not be automatic unless you turn it back on.
Payment methods and timing
Online payments through Amazon or Chase are the fastest. Payments submitted before the cutoff time on a business day post the same day or next business day. Phone payments also post within one business day. Mail payments take 7 to 10 business days to reach the card issuer, so mail your check well before your due date to avoid a late fee.
You can also pay in person at any Chase branch if you have a Chase Amazon Visa. Bring your card and the amount you want to pay. The teller will process it when ready, though it may take one business day to post to your account.
Wire transfers and ACH transfers are not standard payment methods for credit cards. Stick to the methods listed above to may support your payment is credited correctly and on time.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, the card issuer will charge a late fee. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months may cost more.
A late payment also appears on your credit report and can lower your credit score. The impact is largest in the first 30 days after the missed due date. If you are more than 30 days late, the card issuer may report the account as delinquent, which stays on your report for seven years.
If you miss a payment, contact the card issuer as soon as you realize it. Some issuers will waive a single late fee if you call within a few days and bring your account current. Paying the full past-due amount when ready limits the damage to your credit.
Paying more than the minimum
Your statement shows a minimum payment due, but you can pay more at any time without penalty. Paying more than the minimum reduces your balance faster and saves you interest charges. If you carry a balance month to month, paying extra is the most direct way to lower what you owe.
You can make multiple payments in a single month. For example, you could pay $200 on the 10th and another $300 on the 25th. Each payment posts within one business day and reduces your balance when ready. This approach works well if you get paid twice a month or want to pay down your balance gradually.
Paying your full statement balance each month avoids all interest charges. If you can afford it, this is the lowest-cost way to use a credit card.
Paying from outside the United States
If you are outside the U.S., you can still pay your Amazon credit card bill online through your Amazon account or Chase's website using the same steps as above. Online payments work from any country with internet access.
Phone payments also work internationally. Call the number on the back of your card; Chase has international customer service lines. Be aware that international calls may incur charges from your phone provider.
Mail payments from outside the U.S. take longer and may be subject to customs delays. Check your statement for the correct mailing address for international payments, as it may differ from the U.S. address. Wire transfers and international bank transfers are not standard payment methods for this card.
Frequently Asked Questions
Can I pay my Amazon credit card bill with another credit card?
No. Credit card issuers do not accept payment from another credit card. You must pay from a bank account, by check, by phone, or in person at a branch. Paying a credit card with another credit card through a third-party service counts as a cash advance and incurs fees and higher interest rates.
What if I pay online but the payment doesn't show up?
Online payments typically post within one business day. If more than one business day has passed and the payment still does not appear, log into your account and check the payment status. If the payment shows as pending, wait one more business day. If it shows as failed, try submitting the payment again or call customer service to confirm your bank account information is correct.
Can I pay my bill before my due date?
Yes. You can pay at any time, even before your statement closes or before your due date arrives. Paying early reduces your balance and the interest you owe. There is no penalty for paying early.
Do I have to pay the full balance each month?
No. You can pay any amount that is at least the minimum payment shown on your statement. However, any balance you do not pay will be charged interest at your card's annual percentage rate. Paying only the minimum means you will owe interest and take much longer to pay off the card.
What if my payment is rejected?
Payments are usually rejected because the bank account information is incorrect or out of date, or because there are not enough funds in the account. Check that your bank account number and routing number are correct in your payment settings. If the account information is right, confirm you have enough money in the account to cover the payment. If you still have trouble, call customer service to troubleshoot.