What the Amazon Synchrony Card is and how to pay it
The Amazon Synchrony Card is a store credit card issued by Synchrony Bank that you can use to make purchases at Amazon and certain partner retailers. When you carry a balance on this card, you owe money to Synchrony Bank, not to Amazon. Payments go to Synchrony, and you can send them online, by phone, by mail, or through automatic transfers from your bank account.
Synchrony handles the billing and payment processing for this card, which means their website and customer service team manage your account. Understanding where to send your payment and what options are available to you will help you avoid late fees and keep your account in good standing.
Key Takeaways
- You can pay your Amazon Synchrony Card bill online through Synchrony's website, by calling their customer service line, by mailing a check, or by setting up automatic payments from your bank.
- The payment due date appears on your monthly statement, and paying at least the minimum amount by that date prevents late fees and protects your credit score.
- Online payments through Synchrony's portal typically post within one to two business days, while mailed checks may take seven to ten business days to arrive and process.
- You can view your current balance, payment history, and due date by logging into your Synchrony account online or calling their customer service number on the back of your card.
- Setting up automatic payments ensures you never miss a due date, though you should still monitor your account to confirm payments post correctly each month.
Paying online through Synchrony's website
The fastest way to pay your Amazon Synchrony Card is through Synchrony's online payment portal. Go to Synchrony.com, click "Log In" at the top of the page, and enter your username and password. If you do not have an online account yet, you can create one by clicking "Enroll Now" and following the prompts to verify your identity using your card number and Social Security number.
Once you are logged in, look for "Make a Payment" or "Pay Your Bill" on your account dashboard. Enter the amount you want to pay, choose the date you want the payment to post (Synchrony usually offers same-day or next-business-day options), and confirm the transaction. Payments made before 8 p.m. Eastern Time typically post the same day; payments made after that time post the next business day. You will receive a confirmation number on screen and by email.
Keep this confirmation number for your records. If you ever need to dispute a payment or verify that it posted, you can reference it when you contact Synchrony customer service.
Paying by phone or automated system
You can pay your Amazon Synchrony Card by calling Synchrony's automated payment line at the phone number on the back of your card. This line operates 24 hours a day, seven days a week. Have your card number and bank account information ready if you want to pay from a checking or savings account, or have a debit card number available if you prefer to pay that way.
The automated system will walk you through selecting a payment amount and a posting date. You will receive a confirmation number at the end of the call. If you prefer to speak with a representative instead of using the automated system, you can stay on the line after the greeting, and a customer service agent will information you. Representatives are available during business hours, which are typically Monday through Friday, 8 a.m. to 9 p.m. Eastern Time, and Saturday, 9 a.m. to 6 p.m. Eastern Time.
Mailing a check or money order
If you prefer to pay by mail, write a check or money order payable to Synchrony Bank. On the back of the check, write your card number so Synchrony can match the payment to your account. Mail it to the address listed on your monthly statement under "Payment Address" — this address is different from the mailing address for disputes or correspondence, so use the one specifically marked for payments.
Mailed payments typically take seven to ten business days to arrive and post to your account. Because of this delay, mail a payment at least ten days before your due date to may support it arrives on time and avoids a late fee. If you are close to your due date and have not yet mailed a payment, use the online portal or phone line instead to avoid the risk of a late payment.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online, find the "Automatic Payments" or "Autopay" section, and select "Enroll." You will need to provide your bank account number and routing number, or a debit card number. Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month.
Select the day of the month you want the payment to come out — many people choose a date shortly after they receive their paycheck or a few days before the due date. Synchrony will deduct the payment automatically on that date each month. You can change or cancel automatic payments at any time through your online account, but you should still check your account monthly to confirm the payment posted and that your balance is what you expected.
If you set up automatic payments to cover the full statement balance, you will avoid interest charges on purchases, since you will pay off the entire balance each month. If you set it to pay only the minimum or a fixed amount, you will carry a balance and accrue interest on the remaining amount.
Understanding your statement and due date
Your monthly statement shows your current balance, the minimum payment due, the due date, and your interest rate. The due date is the last day Synchrony will accept a payment without charging a late fee. Payments must post by 11:59 p.m. Eastern Time on the due date to be considered on time.
Your statement also lists all purchases made during the billing period, any fees charged, and the interest applied to any balance you carried from the previous month. If you have a promotional offer — such as 0% interest for a certain number of months on specific purchases — that information appears on your statement as well. Review your statement each month to catch any unauthorized charges and to understand how much interest you are paying if you are carrying a balance.
What to do if you miss a payment or cannot pay on time
If you miss your due date, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may increase your interest rate. A missed payment also appears on your credit report and can lower your credit score. If you realize you will miss a payment, contact Synchrony customer service before the due date to discuss your options.
Synchrony may be able to work with you on a payment plan or temporarily adjust your due date, though this is not may provide and depends on your account history and the reason for the hardship. The sooner you contact them, the more options may be available. If you have already missed a payment, call when ready to bring your account current and ask whether the late fee can be waived — some representatives have the authority to remove a first-time late fee if you have a good payment history otherwise.
Frequently Asked Questions
How do I know if my payment posted to my account?
Log into your Synchrony account online and check your current balance and recent payment history. Payments made online or by phone typically post within one to two business days. You can also call Synchrony customer service and ask a representative to confirm the payment and provide the posting date.
Can I pay my Amazon Synchrony Card through Amazon's website?
No. Although you use the card to shop on Amazon, payments must be made through Synchrony, not through Amazon. Amazon does not process payments for this card. You must go to Synchrony.com, call Synchrony's payment line, mail a check to Synchrony, or set up automatic payments through Synchrony.
What happens if I pay more than the minimum amount due?
Any amount you pay above the minimum goes toward reducing your balance and the interest you owe. Paying more than the minimum each month will lower your overall interest charges and help you pay off the card faster. There is no penalty for paying more than the minimum.
Is there a fee to pay my bill online or by phone?
No. Synchrony does not charge a fee for online payments, phone payments, or automatic payments. Mailing a check costs only the price of a stamp. Some third-party payment services may charge a fee to process your payment, but Synchrony's own payment methods are free.
What should I do if I do not receive my monthly statement?
Log into your Synchrony account online to view your current balance and due date. You can also request that Synchrony send a paper statement by mail or switch to paperless statements delivered by email. Call Synchrony customer service if you need help accessing your account or viewing your statement online.