What the Amazon Visa card is and how to pay it
The Amazon Visa card is a credit card issued by Chase Bank. When you use it to make purchases, you build a balance that you owe back to Chase — not to Amazon. To pay that balance, you send money to Chase through their payment system, not through Amazon's website.
Amazon and Chase are separate companies. Amazon runs the rewards program (points toward Amazon purchases), but Chase owns the card account, holds your balance, and collects your payments. This matters because you cannot pay your card bill through your Amazon account, even though the card has Amazon's name on it.
Key Takeaways
- Your Amazon Visa bill goes to Chase Bank, so you pay Chase directly, not Amazon.
- You can pay online through Chase's website or mobile app, by phone, by mail, or through automatic monthly transfers.
- The payment due date appears on your monthly statement, and paying at least the minimum by that date keeps you from being late.
- Paying the full balance each month avoids interest charges, while paying only the minimum leaves you owing interest on the remaining balance.
How to pay online through Chase
The fastest way to pay is through Chase's website or mobile app. Go to creditcards.chase.com, sign in with your username and password, and select your Amazon Visa account from the list of cards. You will see your current balance, minimum payment due, and the due date.
Click "Make a Payment" and enter the amount you want to pay. You can choose to pay the full balance, the minimum payment, or any amount in between. Select the date you want the payment to leave your bank account — Chase usually processes payments the same day if you submit before their cutoff time, which is typically in the evening. Confirm the payment, and you will see a confirmation number on screen.
The Chase mobile app works the same way. read it from your phone's app store, sign in, and follow the same steps. Many people set up automatic payments through the app so the payment happens on the same day each month without them having to remember.
Automatic payments and setting a payment schedule
You can tell Chase to withdraw a fixed amount from your bank account on a date you choose each month. This is called an automatic payment or autopay. To set it up, sign into your Chase account online, go to your Amazon Visa card, and look for "Autopay" or "Automatic Payments" in the settings menu.
Choose how much to pay each month: the full statement balance, the minimum payment, or a fixed dollar amount. Pick the day of the month you want the payment to come out. If you choose the full balance, Chase will automatically pay whatever you owe that month, so you never carry a balance forward and never pay interest.
You can change or cancel autopay anytime through the same menu. If you set up autopay for the minimum payment, be aware that you will still owe interest on any balance that remains after the minimum is paid.
Paying by phone or mail
If you prefer not to pay online, you can call Chase's customer service number, which appears on the back of your card and on your monthly statement. A representative will take your payment information over the phone and process the payment when ready. Have your bank account number or debit card ready.
You can also mail a check or money order to the address listed on your statement under "Payment Address." Write your card number on the check and mail it to that address. Mail payments take five to seven business days to arrive and be processed, so send them well before your due date to avoid being late.
Understanding your statement and due date
Your monthly statement shows everything you charged during the billing period, your current balance, the minimum payment due, and the due date. The due date is the last day you can pay without being considered late. If you pay after that date, Chase will report the late payment to credit bureaus, which can lower your credit score.
The minimum payment is the smallest amount Chase will accept. It is usually around 1 to 3 percent of your balance, depending on how much you owe. Paying only the minimum means the rest of your balance carries over to next month and starts collecting interest. The interest rate for the Amazon Visa varies based on your creditworthiness and current market rates, but typically ranges from around 16 percent to 24 percent annually.
If you pay the full statement balance by the due date, you owe no interest. This is the most cost-effective way to use a credit card. If you cannot pay the full balance, paying more than the minimum reduces how much interest you owe.
What happens if you miss a payment
If your payment does not arrive by the due date, Chase will charge you a late fee. The amount varies but is typically $25 to $40 for the first late payment. After 30 days late, Chase reports the account to credit bureaus, which begins to damage your credit score. After 60 days late, the damage increases. After 180 days late, Chase may close the account and send it to a collection agency.
If you realize you will miss a due date, contact Chase when ready. Explain your situation and ask whether they can waive the late fee or work out a payment plan. Chase sometimes waives a single late fee if you have a good payment history and this is your first miss. The sooner you call, the more options you may have.
Paying off a balance faster
If you have built up a balance and want to pay it off without paying interest, you can make extra payments anytime. Log into your Chase account and make a payment larger than your minimum. Each extra payment reduces your balance when ready and lowers the interest you owe.
Some people pay their card multiple times per month — for example, after each paycheck — to keep the balance low. This does not hurt your credit score and actually helps, because credit bureaus look at how much of your available credit you are using at any given time. Using less of your available credit is better for your score.
Frequently Asked Questions
Can I pay my Amazon Visa through my Amazon account?
No. Amazon and Chase are separate companies. Your card account lives at Chase, so you must pay Chase directly through their website, app, phone line, or mail. Paying through Amazon will not reach your card account.
What is the difference between the statement balance and the current balance?
The statement balance is what you owed at the end of your last billing cycle and is the amount shown on your monthly statement. The current balance includes charges you have made since the statement closed. When you pay, you can pay either amount, but paying the full statement balance by the due date means you owe no interest.
Does paying early hurt my credit score?
No. Paying early or paying more than the minimum does not hurt your score. It actually helps, because it lowers the percentage of your credit limit you are using. Credit bureaus view lower usage as a sign of responsible borrowing.
What if I want to dispute a charge on my Amazon Visa?
Contact Chase through the phone number on your card or through your online account. Explain the charge you believe is wrong, and Chase will investigate. You do not have to pay that charge while the dispute is being reviewed. Chase typically resolves disputes within 30 to 60 days.
Can I set up autopay for a date after my due date?
You can set autopay for any date, but if it is after your due date, you will be late and will owe a late fee. Set autopay for at least a few days before your due date to make sure the payment arrives on time. If your due date is the 15th, set autopay for the 10th or 12th.