How to Pay Your Amazon Synchrony Bank Credit Card

You can pay your Amazon Synchrony Bank credit card through the Amazon website, the Synchrony mobile app, or by mailing a check to Synchrony Bank. The fastest method is logging into your Amazon account and making a payment directly—this posts within one business day. If you use the Synchrony app or call Synchrony's payment line, payment also posts within one business day. Mailed payments take 7 to 10 business days to reach the bank, so mail early if your due date is approaching.

Your due date appears on your monthly statement and in your Amazon account. Paying by the due date avoids late fees and interest charges on your remaining balance. If you miss the due date, Synchrony charges a late fee (typically $25 to $40) and reports the late payment to credit bureaus, which can lower your credit score.

Key Takeaways

Pay through Amazon.com by logging in, selecting your card, and entering a payment amount—no separate account login needed.
The Synchrony mobile app and Synchrony's website both let you set up one-time or recurring payments and view your full statement.
Payments made online or by phone post within one business day; mailed payments take 7 to 10 business days.
Set up automatic payments through Amazon or Synchrony to pay a fixed amount or your full balance each month.
Check your payment status in the Synchrony app if a payment has not posted within two business days.

Paying Through Your Amazon Account

The simplest way to pay is through Amazon.com. Sign in to your Amazon account, go to "Your Account," and select "Manage Your Payments." Find your Amazon Synchrony card in the list and click "Make a Payment." Enter the amount you want to pay and confirm. Amazon will show you the payment date—usually the next business day. You do not need a separate Synchrony login for this method.

This route works for one-time payments only. If you want to set up automatic monthly payments, use the Synchrony app or website instead, since Amazon's payment portal does not offer recurring payment scheduling. One-time payments through Amazon post to your account within one business day, so you can pay close to your due date without risk of a late fee.

Paying Through the Synchrony Mobile App or Website

read the Synchrony mobile app or visit Synchrony.com to access your full account. Create a Synchrony login if you do not already have one—you can use your email address and set your own password. Once logged in, select your Amazon card and choose "Make a Payment."

From here you can pay a one-time amount, set up automatic payments for a fixed dollar amount each month, or arrange to pay your full statement balance automatically. The app also shows your current balance, available credit, recent transactions, and your due date. Payments made through the app or website post within one business day, and you can add multiple bank accounts to choose from for each payment.

Setting Up Automatic Payments

Automatic payments remove the risk of missing a due date. In the Synchrony app or on Synchrony.com, go to "Automatic Payments" and select your Amazon card. Choose your payment frequency (usually monthly), the payment date you prefer, and the amount—either a fixed dollar amount or your full statement balance.

If you choose to pay your full balance automatically each month, Synchrony will charge your linked bank account for whatever your statement balance is on your chosen payment date. This prevents interest charges if you pay in full. If you set a fixed amount, make sure it covers at least your minimum payment, or you will still owe interest on the remaining balance. You can change your automatic payment settings or pause them at any time in the app.

Paying by Phone or Mail

You can call Synchrony's payment line at the number on the back of your card to make a payment by phone. Have your card number and bank account information ready. Payments made by phone post within one business day, so this is a good option if you are close to your due date and want to avoid mail delays.

To pay by mail, send a check to the address shown on your statement. Write your card number on the check and mail it to Synchrony Bank's payment processing center. The address appears on your paper statement or in the Synchrony app under "Payment Address." Mailed payments take 7 to 10 business days to post, so send your check at least two weeks before your due date if you want to avoid a late payment.

Understanding Your Due Date and Avoiding Late Fees

Your due date appears on your monthly statement and in your Amazon account under "Manage Your Payments." Synchrony charges a late fee if your payment does not post by this date. The late fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing year may result in a higher fee.

A late payment also triggers interest charges on your remaining balance at your card's purchase APR. If you pay after the due date, Synchrony reports the late payment to credit bureaus, which can lower your credit score. To stay safe, make online payments at least one business day before your due date, or mail payments two weeks early. Setting up automatic payments is the most reliable way to never miss a due date.

What to Do If Your Payment Does Not Post

If you made an online or phone payment and it has not posted within two business days, log into the Synchrony app or website and check your "Payment Status" or "Recent Payments" section. This shows whether the payment is pending, posted, or failed. If it failed, you will see a reason—usually a problem with your bank account information or insufficient funds in your linked account.

If the payment is still pending after two business days, contact Synchrony at the number on your card. Have your confirmation number ready if you received one. If the payment failed, make another payment using a different bank account or payment method. Do not wait—if your due date passes without a posted payment, late fees and interest will explore. Keep a record of your confirmation number until the payment posts.

Frequently Asked Questions

Can I pay my Amazon Synchrony card with a different bank account?

Yes. In the Synchrony app or on Synchrony.com, you can add multiple bank accounts and choose which one to use for each payment. You can also change your linked bank account in your automatic payment settings at any time without contacting Synchrony.

What happens if I pay more than I owe?

Synchrony will credit the overpayment to your account. You can use the credit toward future purchases, or request a refund by calling Synchrony. Refunds typically take 5 to 7 business days to reach your bank account.

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

You can pay any amount between your minimum payment and your full balance. However, if you pay less than the full balance, Synchrony will charge interest on the remaining amount at your card's purchase APR. Paying the full balance avoids interest charges.

Can I make a payment if my card is locked or frozen?

Yes. You can still make payments even if your card is locked or frozen for purchases. Payments are separate from card activity and will post normally. Contact Synchrony if you need to unlock your card for new purchases.

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

Your statement balance is what you owed on your last billing cycle closing date. Your current balance includes new purchases and payments made since then. Pay your full statement balance by the due date to avoid interest; your current balance may change daily.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.