What the Amazon Synchrony Bank card is and how to pay it
The Amazon Synchrony Bank card is a credit card issued by Synchrony Bank that carries the Amazon brand. When you use this card, your bill goes to Synchrony Bank, not to Amazon. Payments must be sent to Synchrony Bank's payment processing system, which has its own address, phone line, and online portal separate from Amazon's main website.
You can pay this card online through your Synchrony account, by phone, by mail, or in person at certain locations. The method you choose affects how quickly the payment posts and what information you need on hand. Most people pay online because it is the fastest and requires no stamps or phone calls.
Key Takeaways
- Log into your Synchrony Bank account at synchronybank.com to pay online, which usually posts within one business day.
- You can also call Synchrony's payment line at 1-866-697-6348 to pay by phone with your card number and bank account details ready.
- Mail payments to Synchrony Bank at the address printed on your statement; include your account number and allow 7 to 10 business days for delivery and posting.
- Your minimum payment and due date appear on your monthly statement and in your online account; paying only the minimum means you will owe interest on the remaining balance.
Paying online through your Synchrony account
Go to synchronybank.com and select "Sign In" in the top right corner. Enter your username and password. If you do not have an online account yet, you will need to create one by selecting "Enroll Now" and following the prompts with your card number and personal information.
Once you are logged in, look for a link or button labeled "Make a Payment" or "Pay Now." You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay and choose the date you want the payment to be processed. Synchrony offers the option to pay when ready or schedule a payment for a future date.
Select your payment method — you can pay from a checking or savings account (bank transfer) or use a debit card. Enter your bank account number and routing number, or your debit card details. Review the information and confirm the payment. You will receive a confirmation number on screen and by email.
Payments made online typically post to your account within one business day. If you pay before 8 p.m. Eastern Time on a business day, the payment usually posts the next day. Payments made on weekends or holidays post on the next business day.
Paying by phone
Call Synchrony Bank's payment line at 1-866-697-6348. Have your card number, the amount you want to pay, and your bank account information or debit card details ready. A representative will guide you through the payment process.
You can also use the automated phone system if you prefer not to speak with a person. Follow the prompts to enter your card number, payment amount, and payment method. The system will confirm your payment and provide a confirmation number.
Phone payments typically post within one business day, the same as online payments. Keep the confirmation number for your records.
Paying by mail
Write a check or money order for the amount you want to pay. On the check or money order, write your Amazon Synchrony card account number in the memo line. Include a payment stub if one came with your statement, or write your account number on a separate piece of paper and include it with your payment.
Mail your payment to the address shown on your statement. This address may vary depending on your account, so always check your most recent statement for the correct mailing address. Do not send payment to Amazon's corporate address or to a local Amazon facility — it will not reach Synchrony Bank.
Mail payments take 7 to 10 business days to arrive and be processed. To avoid late fees, mail your payment at least 10 days before your due date. If you are close to your due date, paying online or by phone is safer.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and the due date. The due date is typically 21 to 25 days after the statement closing date. You must pay at least the minimum amount by the due date to avoid a late fee.
If you pay only the minimum, you will owe interest on the remaining balance at your card's annual percentage rate (APR). The interest rate for Amazon Synchrony cards varies based on your creditworthiness and current market conditions. Check your statement or account to see your current APR.
If you miss your due date, Synchrony will charge a late fee and may report the late payment to credit bureaus, which can lower your credit score. If you realize you will miss the due date, contact Synchrony as soon as possible to discuss your options.
Setting up automatic payments
You can set up automatic payments through your Synchrony online account so you do not have to remember to pay each month. Log into synchronybank.com, go to your account settings, and look for "Automatic Payments" or "Recurring Payments."
Choose whether you want to pay a fixed amount each month (such as your minimum payment or a set dollar amount) or your full statement balance. Select the date you want the payment to come out each month — most people choose a date shortly after they receive their paycheck or a few days before the due date.
Provide your bank account or debit card information and confirm the setup. Synchrony will send you a confirmation email. Your automatic payment will process on the date you selected each month, and you will receive an email confirmation each time.
What to do if you cannot pay on time
If you are having trouble paying your bill, contact Synchrony Bank before your due date. Call 1-866-697-6348 and explain your situation to a representative. Synchrony may be able to work with you on a payment plan, defer a payment, or discuss other options depending on your circumstances.
Do not ignore the bill or skip a payment without contacting Synchrony first. Late payments damage your credit score and trigger fees. Contacting the bank proactively shows good faith and gives you the best chance of finding a solution.
Frequently Asked Questions
Can I pay my Amazon Synchrony card through Amazon.com?
No. Amazon.com does not process payments for the Amazon Synchrony card. You must pay through Synchrony Bank directly at synchronybank.com, by phone at 1-866-697-6348, by mail, or through automatic payments set up in your Synchrony account.
What happens if I pay late?
Synchrony will charge a late fee (typically $25 to $40 depending on your account terms) and may report the late payment to credit bureaus. A late payment can lower your credit score and may increase your interest rate. Contact Synchrony when ready if you miss a due date.
How do I know if my payment went through?
You will receive a confirmation number when ready after paying online or by phone. Check your Synchrony account a day or two later to confirm the payment has posted. Your available credit should increase once the payment is applied.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance at any time. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. There is no penalty for paying early or paying more than the minimum.
What if I want to dispute a charge on my card?
Contact Synchrony Bank at 1-866-697-6348 or through your online account to report a disputed charge. Synchrony will investigate and may reverse the charge if it was unauthorized or incorrect. Keep records of your dispute for your files.