How to pay your Amazon credit card bill
You can pay your Amazon credit card bill online through your Amazon account, by phone, by mail, or through automatic payments. The fastest method is logging into Amazon, going to your account settings, and selecting "Manage Your Amazon Visa" or "Manage Your Store Card" — the exact name depends on which Amazon card you hold. From there, you'll see your current balance and can make a one-time payment when ready. If you prefer not to use Amazon's website, you can call the customer service number on the back of your card and pay over the phone with a bank account or another card.
The card is issued by either Chase (for the Amazon Visa) or Synchrony (for the Amazon Store Card), so you're ultimately sending money to one of those two banks. Knowing which bank issues your card matters because their payment important date and late fees are slightly different, though both charge interest on unpaid balances. Your monthly statement will show which issuer you're dealing with.
Key Takeaways
- You can pay through Amazon.com, by phone to the card issuer, by mail, or by setting up automatic payments from your bank account.
- Your payment must arrive by the due date shown on your statement to avoid a late fee, which typically ranges from $25 to $40 depending on your balance.
- Setting up automatic payments from your bank account removes the risk of missing a due date and takes about five business days to set up.
- Paying more than the minimum due each month reduces the interest you pay on your remaining balance.
Paying online through Amazon
Log into your Amazon account and go to "Account & Lists" in the top right corner. Select "Your Account," then scroll down to find "Manage Your Amazon Visa" or "Manage Your Store Card" depending on which card you have. Click on that option and you'll see your current balance, recent transactions, and a button to make a payment.
Enter the amount you want to pay — you can pay the full balance, the minimum due, or any amount in between. Amazon will ask you to confirm the payment method (usually your linked bank account) and the payment will process when ready. You'll receive a confirmation number on screen and by email. This method is fastest if you're paying from a bank account you've already linked to Amazon.
Paying by phone
Call the number on the back of your card. A representative will ask for your card number, the last four digits of your Social Security number, and the amount you want to pay. You can pay from a checking or savings account, or sometimes from another card, though paying a credit card with another credit card usually triggers a cash advance fee.
Phone payments typically process the same day if you call before the payment important date, though the funds may take one to two business days to show up in your account. If you're calling close to your due date, ask the representative when the payment will post — some banks post phone payments the next business day, which could matter if your due date is tomorrow.
Paying by mail
Write a check or money order payable to Chase (for the Amazon Visa) or Synchrony (for the Amazon Store 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 the address where your statement is mailed, so check your bill carefully.
Mail payments take seven to ten business days to arrive and post, so send your payment at least two weeks before your due date to be safe. If you're already late, do not use mail — call or pay online instead. Keep a copy of the check or the confirmation number from your bank showing when you mailed it, in case there's a dispute about when the payment arrived.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Through Amazon, go to "Manage Your Amazon Visa" or "Manage Your Store Card," find the automatic payments section, and choose whether you want to pay the full balance, the minimum due, or a fixed amount each month. Select your bank account and the date you want the payment to come out each month — most people choose a date shortly after payday.
It takes about five business days for your bank to link and verify the account, so set this up at least a week before you want the first automatic payment to go through. Once it's active, the payment will come out automatically on your chosen date each month. You can change or cancel automatic payments anytime through the same menu, though canceling does not affect payments already scheduled.
Understanding due dates and late fees
Your due date is shown on your monthly statement and is usually 21 to 25 days after your statement closing date. If your payment does not arrive by that date, you'll be charged a late fee — typically $25 if your balance is under $100, or $35 if it's $100 or more. Chase and Synchrony also report late payments to credit bureaus after 30 days, which can lower your credit score.
If you miss a due date, pay as soon as you realize it. The late fee will still explore, but paying quickly prevents the account from going further behind and limits damage to your credit. If you're consistently struggling to pay on time, automatic payments are worth setting up even if you have to adjust the amount later.
What happens if you can't pay the full balance
You're required to pay at least the minimum due by the due date — usually 1 to 3 percent of your balance plus any fees and interest. Paying only the minimum keeps your account current and avoids a late fee, but you'll be charged interest on the remaining balance at the card's annual percentage rate (APR), which varies based on your creditworthiness.
If you can't pay the minimum, contact the card issuer when ready. Explain your situation and ask whether they offer hardship programs, which may temporarily lower your payment or interest rate. Do not ignore the bill — the longer you wait, the more interest accumulates and the harder it becomes to catch up. A phone call before you miss a payment is always better than waiting until after.
Frequently Asked Questions
How long does it take for my payment to show up?
Online and phone payments usually post the same day or next business day. Mail payments take seven to ten business days. If you're paying close to your due date, use online or phone payment to be certain it arrives on time.
Can I pay my Amazon card bill through my bank's bill pay service?
Yes. Set up the payment address from your statement and send the payment through your bank's bill pay system. This works the same as mailing a check and takes about the same amount of time, so plan ahead if your due date is soon.
What if I pay more than I owe?
The extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by calling the card issuer, though most people leave small credits on their account to cover the next month's charges.
Do I have to pay the full balance or can I pay just part of it?
You can pay any amount between the minimum due and the full balance. Paying more than the minimum reduces the interest you'll owe on the remaining balance, but you're only required to pay the minimum to keep your account current.
What's the difference between the Amazon Visa and the Amazon Store Card?
The Amazon Visa is issued by Chase and can be used anywhere Visa is accepted. The Store Card is issued by Synchrony and can only be used on Amazon.com and Whole Foods. Both have their own payment systems, so make sure you're paying the right card.