How to pay your Amazon Prime Rewards Visa card
You pay your Amazon Prime Rewards Visa card the same way you pay any other credit card — by sending money to Chase, the bank that issues it. The card itself doesn't have a separate payment system. You can pay online through your Chase account, by phone, by mail, or through automatic payments set up in advance.
The card is issued by Chase Bank, so all payments go to Chase, not to Amazon. Even though Amazon appears on your card and you earn rewards through Amazon, the credit line and billing are entirely Chase's responsibility. This matters because it means you're dealing with Chase's payment systems and Chase's due dates, not Amazon's.
Key Takeaways
- Chase issues the Amazon Prime Rewards Visa, so you send payments to Chase, not Amazon.
- You can pay online at Chase.com, by phone at the number on your statement, by mail, or through automatic monthly payments.
- Your payment due date appears on your monthly statement and is typically 21 to 25 days after your billing cycle closes.
- Paying at least the minimum by the due date keeps your account in good standing and protects your credit score.
- You can set up autopay to pay your full balance, minimum payment, or a fixed amount each month.
Paying online through Chase
The fastest and most direct way to pay is through Chase's website or mobile app. Go to Chase.com, sign in with your username and password, find your Amazon Prime Rewards Visa account, and select "Make a Payment." You'll see your current balance, minimum payment due, and due date. You can then choose to pay the full balance, the minimum, or a custom amount, and the payment usually posts within one business day.
If you don't already have a Chase online account, you'll need to set one up first. You can do this at Chase.com by entering your card number and Social Security number. Chase will verify your identity and let you create a login. Once your account is active, you can pay anytime, day or night, without calling anyone.
Automatic payments through Chase
Setting up autopay means Chase withdraws money from your bank account on a date you choose each month. This removes the risk of forgetting a payment and incurring a late fee. You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount — whichever fits your budget.
To set up autopay, log into your Chase account online, go to your Amazon Prime Rewards Visa, and look for "Autopay" or "Automatic Payments" in the settings. You'll enter your bank account number and routing number, choose your payment date (usually between the 1st and 28th of each month), and select which payment amount you want. Once it's active, Chase will automatically pull that amount on your chosen date every month.
Paying by phone or mail
If you prefer not to pay online, you can call the number on the back of your card or on your monthly statement. A Chase representative will take your payment information over the phone. Payments made by phone typically post within one business day, just like online payments.
You can also mail a check to the address listed on your statement. Write your card number on the check and mail it to the payment address shown on your bill. Mailed payments take longer — usually 7 to 10 business days to post — so send your check early if your due date is approaching. If your payment arrives after the due date, Chase will charge a late fee even if the delay was caused by mail delivery time.
Understanding your due date and minimum payment
Your due date appears on your monthly statement and is typically 21 to 25 days after your billing cycle closes. Missing this date triggers a late fee (usually $25 to $40 for the first late payment) and can harm your credit score. Paying at least the minimum amount by the due date keeps your account in good standing.
The minimum payment is the smallest amount Chase will accept to keep your account current. It's usually 1 to 3 percent of your total balance, plus any fees or interest charges. Paying only the minimum means you'll carry a balance and pay interest on it, but it's better than missing the due date entirely. If you want to avoid interest charges, pay your full statement balance by the due date.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Chase will charge a late fee. The first late fee is typically $25; if you're late again within six months, the fee may increase to $35 or more. Late fees appear on your next statement and add to your balance.
A missed payment also gets reported to the credit bureaus and can lower your credit score. The damage is worst if you're 30 or more days late. If you realize you've missed a payment, contact Chase when ready — sometimes they'll waive a first-time late fee if you call and pay right away. After that, staying current for six months of on-time payments will gradually restore your score.
Paying more than the minimum
You can pay more than the minimum at any time without penalty. In fact, paying more than the minimum is the fastest way to reduce what you owe and lower the interest you pay. If you pay your full statement balance each month, you won't pay any interest at all — you'll only pay the annual fee (currently $39 for the Amazon Prime Rewards Visa) and earn rewards on your purchases.
Many cardholders set their autopay to pay the full balance each month. This way, they never carry a balance, never pay interest, and never have to think about the due date. If your balance varies month to month, you can adjust your autopay amount or log in and make a manual payment whenever you want.
Frequently Asked Questions
Can I pay my Amazon Prime credit card through Amazon.com?
No. Amazon doesn't handle payments for this card. You must pay Chase directly through Chase.com, by phone, by mail, or through autopay. Amazon only handles the rewards program and the benefits tied to your Prime membership.
What if I pay online but my payment doesn't show up right away?
Online payments typically post within one business day. If you pay on a weekend or holiday, it may take until the next business day. If more than one business day has passed and your payment still hasn't posted, contact Chase to confirm they received it.
Can I set up autopay to pay a different amount each month?
No. Autopay requires you to choose a fixed amount — either your full balance, your minimum payment, or a specific dollar amount. If your balance changes and you want to pay a different amount, you'll need to log in and make a manual payment that month, or adjust your autopay setting.
What if I want to pay early, before my due date?
You can pay anytime you want, even weeks before your due date. Paying early reduces your balance and the interest you'll owe. There's no penalty for paying early, and it won't affect your rewards or account status.
Do I earn rewards on my credit card payment?
No. Payments to your credit card bill don't earn rewards. Only purchases made with the card earn rewards. Paying your bill is a separate transaction that reduces what you owe.