Call Amazon to pay your card balance over the phone

You can pay your Amazon credit card by calling the customer service number on the back of your card. Amazon's automated system will walk you through entering your payment amount and confirming the transaction. The call takes about five minutes, and the payment posts to your account the same day if you call before the payment processing cutoff, usually in the early evening.

This method works whether you have an Amazon Rewards Visa card issued by Chase or an Amazon Store Card. Both cards display the phone number you need on the back. You do not need to log into your online account or use a computer — you only need your card and the amount you want to pay.

Key Takeaways

  • The phone number for paying your Amazon credit card is printed on the back of your physical card.
  • Payments made by phone post the same day if you call before the evening cutoff, usually around 5 or 6 p.m. Eastern time.
  • You will need your card number, the payment amount, and a bank account or debit card to complete the payment over the phone.
  • Amazon's automated system handles the call, so you do not need to speak to a representative unless there is a problem.

What information you need before you call

Have your Amazon credit card in front of you when you call. You will need to enter your card number using your phone's keypad. The automated system will also ask for the payment amount — know whether you want to pay your full balance, a minimum payment, or a specific dollar amount.

You will also need a bank account or debit card to draw the payment from. The system will ask you to enter the routing number and account number of the bank account you want to pay from, or the card number if you are using a debit card. If you do not have this information memorized, have your bank statement or debit card ready.

Step-by-step: making a payment by phone

Step 1: Call the number on the back of your Amazon credit card. You will hear an automated greeting.

Step 2: Follow the prompts to enter your card number using your phone's keypad. The system will confirm the last four digits of your card.

Step 3: Enter the amount you want to pay. You can usually choose to pay your full balance, your minimum payment, or a custom amount.

Step 4: Enter the routing number and account number of the bank account you are paying from, or your debit card number if you prefer to use that instead.

Step 5: Review the payment details the system reads back to you. If everything is correct, confirm the payment. If something is wrong, you can cancel and start over.

Step 6: The system will give you a confirmation number. Write it down or remember it in case you need to reference the payment later.

When the payment will show up in your account

Payments made by phone usually post the same business day if you call before the cutoff time, which is typically in the early evening. If you call after the cutoff or on a weekend or holiday, the payment will post the next business day. You can check your account online or in the Amazon app to see when the payment has been applied.

The payment will reduce your balance and your minimum payment due. If you paid more than your current balance, the extra amount will appear as a credit on your account that you can use toward future purchases.

What to do if the payment does not go through

If the automated system rejects your payment, it usually means there is a problem with the bank account or debit card information you entered. Hang up and double-check the routing number and account number, then call back and try again. If you keep getting rejected, the issue may be with your bank — call your bank to make sure the account is active and has no holds or fraud blocks.

If you need to speak to a person instead of using the automated system, stay on the line after the greeting and select the option to speak with a representative. They can help troubleshoot the problem or take your payment information over the phone directly.

Other ways to pay your Amazon credit card

Paying by phone is one option, but you can also pay online through your Amazon account, set up automatic payments, or mail a check. Online payment is often faster and lets you see your payment history. Automatic payments take the guesswork out of remembering to pay on time. Mailing a check takes longer but works if you do not have online access or prefer not to use your bank account information over the phone.

Choose the method that fits your situation best. If you travel or do not have regular access to a computer, phone payment is reliable. If you are home and have internet access, online payment is usually quicker.

Frequently Asked Questions

Can I pay my Amazon credit card by phone without a bank account?

No, the phone payment system requires either a bank account or a debit card. If you do not have either, you can pay online using a credit card, or mail a check to the address listed on your statement.

Is there a fee for paying by phone?

No, Amazon does not charge a fee for phone payments. The payment is free whether you pay by phone, online, or by mail.

What if I call after business hours?

The automated phone system runs 24 hours a day, so you can call anytime. Payments made after the evening cutoff will post the next business day instead of the same day.

Can I pay someone else's Amazon credit card by phone?

No, you can only pay the card that is registered to your name. If you want to pay someone else's card, they will need to call and make the payment themselves, or you can mail a check to their address.

Do I need to set up my payment method in advance?

No, you can enter your bank account or debit card information when you call. You do not need to register it beforehand. The system will ask for the information each time you pay.