How to pay your Amazon Chase card bill online
You can pay your Amazon Chase card (the Amazon Prime Rewards Visa Signature Card or Amazon Rewards Visa Card) through Chase's online portal, the Chase mobile app, or directly through Amazon's website. The fastest route is logging into your Chase account at chase.com, finding your Amazon card, and clicking "Make a Payment." You'll enter the amount you want to pay and confirm the transaction — the payment posts within one business day.
If you prefer to pay through Amazon instead, go to Your Account on Amazon.com, select "Login & Security," then find the option to manage your payment methods. From there you can view your card balance and make a payment, though this route sends you to Chase's system anyway. Both paths lead to the same place; use whichever login you remember more easily.
The Chase mobile app works the same way: open the app, select your Amazon card from the list of accounts, tap "Pay," enter your amount, and confirm. You can set up the payment to go through when ready or schedule it for a future date if you want to time it with a paycheck.
Key Takeaways
- You can pay through chase.com, the Chase mobile app, or Amazon.com — all three connect to the same Chase billing system.
- Payments made before 8 p.m. ET on a business day usually post the next day; weekend and holiday payments post the following business day.
- You can set up automatic payments to your minimum balance, statement balance, or a fixed amount you choose each month.
- If you miss a payment, Chase reports it to credit bureaus after 30 days, so paying even a few days late still protects your credit score.
- Paying more than your statement balance reduces the interest you owe on any remaining balance you carry.
Setting up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting. Log into chase.com, select your Amazon card, go to "Payments," then choose "Automatic Payments" or "Autopay." You'll pick a due date (usually between the 1st and 28th of each month) and decide what amount Chase should pull from your bank account: your minimum payment, your full statement balance, or a custom amount you set.
Most cardholders choose "Statement Balance" so they pay off everything they charged that month and owe no interest. If you carry a balance month to month, choosing "Statement Balance" still helps because you'll pay down the principal faster than if you only paid the minimum. You can change or cancel your automatic payment anytime through the same menu.
Link the bank account where Chase should pull the money before you turn on autopay. Chase will ask you to confirm the routing number and account number, which you can find at the bottom of any check or in your bank's app. The payment will pull on your chosen date each month, so pick a date you know your paycheck has cleared.
Paying by phone or mail if you don't have online access
Call the number on the back of your Amazon Chase card to pay over the phone. A representative will ask for your card number, the amount you want to pay, and the bank account you want the payment to come from. Phone payments process the same day if you call before 8 p.m. ET on a business day.
Mailing a check takes longer — allow 7 to 10 business days for the payment to reach Chase and post to your account. Write your card number on the check, include a payment stub if one came with your statement, and mail it to the address shown on your bill. Mail payments are riskier because they can get lost, so use this method only if you have no other option and you're paying well before your due date.
Understanding payment timing and when your payment posts
Payments made online or through the app before 8 p.m. ET on a business day (Monday through Friday, excluding federal holidays) post to your account the next business day. A payment you make on Friday evening won't post until Monday. Payments made on weekends or holidays post on the next business day after that.
Your due date is the date by which Chase must receive your payment to avoid a late fee. If your due date is the 15th and you make a payment on the 14th before 8 p.m. ET, it posts on the 15th and counts as on-time. If you pay on the 15th after 8 p.m. ET, it posts on the 16th and is considered late, even though you initiated the payment before the important date.
This timing matters most if you're paying close to your due date. If you're within three days of your due date, pay when ready rather than scheduling a future payment. If you're more than a week away, you have time to schedule it for a specific date without risk.
What happens if you pay late or miss a payment
A payment is late if it doesn't post by your due date. Chase charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may raise your interest rate. More importantly, Chase reports the late payment to credit bureaus after 30 days, which can lower your credit score.
If you realize you've missed your due date, pay as soon as possible. Paying a few days late is better than paying weeks late. A single late payment stays on your credit report for seven years, but its impact on your score fades after a few months if you pay on time after that. If you're facing hardship and can't pay, call Chase before your due date — they sometimes offer hardship programs that pause payments or lower your interest rate temporarily.
If you're more than 60 days late, Chase may freeze your card and stop allowing new charges. At 180 days late, they typically close the account and send it to a collection agency. Paying before you reach 60 days late keeps your account open and your options wider.
Paying more than your minimum to reduce interest charges
Your minimum payment is the smallest amount Chase requires to keep your account in good standing. It's usually 1 to 3 percent of your total balance. Paying only the minimum means the rest of your balance carries over to next month and accrues interest.
If you carry a balance, paying more than the minimum reduces the interest you owe. For example, if you owe $1,000 at 18 percent annual interest and pay only the $25 minimum each month, you'll pay roughly $200 in interest before the balance is gone. If you pay $200 per month instead, you'll pay roughly $50 in interest. The difference compounds quickly.
You can pay any amount above your minimum anytime — there's no penalty for paying early or paying extra. Many cardholders make multiple payments per month to keep their balance low and interest charges down. The Chase app and website let you make as many payments as you want.
Frequently Asked Questions
Can I pay my Amazon Chase card through Amazon Pay?
No. Amazon Pay is for paying other merchants, not for paying your credit card bill. To pay your card, use chase.com, the Chase app, or Amazon.com's account settings. All three connect to Chase's billing system.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, request a refund to your bank account, or leave it there. Chase won't charge you interest on a credit balance, and it won't expire.
Do I have to pay the full statement balance, or can I pay part of it?
You can pay any amount between your minimum payment and your full balance. Paying part of your balance means the rest carries over and accrues interest, but you're not required to pay it all at once.
How do I know if my payment went through?
After you confirm a payment online or in the app, you'll see a confirmation number on screen. Check your account a day later — the payment should show in your transaction history and your balance should be lower. You can also call the number on the back of your card to confirm.
Can I change my due date?
Yes. Log into chase.com, select your card, go to "Account Services," and look for "Change Due Date" or "Manage Due Date." You can move your due date to any day between the 1st and 28th of the month. The change takes effect on your next billing cycle.