How to pay your Amazon Synchrony card bill
You can pay your Amazon Synchrony card bill 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 "Pay Your Balance" — the payment posts the same day if you pay before the cutoff time, usually 8 p.m. ET on business days. If you prefer not to use Amazon's website, Synchrony Bank (the company that issues the card) accepts payments by phone at 1-866-634-8379, and you can set up automatic payments from your bank account to avoid missing a due date.
The due date appears on your statement and is usually 25 days after your statement closes. Paying at least the minimum amount by that date keeps your account in good standing and protects your credit score. If you cannot pay the full balance, paying more than the minimum reduces the interest you owe, since the card charges interest on any balance you carry month to month.
Key Takeaways
- Paying through Amazon.com is the fastest option and posts the same business day if submitted before the evening cutoff.
- You can also pay by calling Synchrony Bank directly at 1-866-634-8379 or by setting up automatic payments from your checking account.
- Your due date is printed on your monthly statement and is usually about 25 days after your statement closes.
- Paying more than the minimum amount reduces the interest charges on any balance you carry into the next month.
Paying through your Amazon account
Log into Amazon.com with the email and password you use for your account. Click on "Account & Lists" in the top right corner, then select "Your Account." Look for a section labeled "Amazon Store Card" or "Amazon Synchrony Card" — the exact name depends on which version of the card you hold. Click on "Pay Your Balance" or "Make a Payment."
Enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between. Review the payment amount and due date, then confirm. The payment posts when ready to your account, though it may take one to two business days to appear on your bank statement. If you pay before the evening cutoff on a business day, the payment counts as received that same day.
Paying by phone with Synchrony Bank
Call Synchrony Bank's customer service line at 1-866-634-8379. Have your card number and a bank account ready if you want to pay from your checking or savings account. A representative will ask you to verify your identity, then walk you through the payment process. You can pay with a debit card, a bank account, or a wire transfer, depending on the amount and your preference.
Payments made by phone typically post within one business day. If you call after business hours, you can leave a message or use the automated system to schedule a payment for a future date. Keep a record of the confirmation number the representative gives you.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. You can set this up through Amazon or by calling Synchrony directly. Through Amazon, go to "Your Account," find your card settings, and look for "Automatic Payments" or "Autopay." You will enter your bank account information and choose whether to pay the full balance, the minimum payment, or a fixed amount each month.
If you set up automatic payments for the full balance, your entire statement balance will be paid automatically on or shortly after your due date each month. If you choose the minimum payment option, only that amount will be deducted. You can change or cancel automatic payments at any time through your Amazon account or by calling Synchrony.
Paying by mail
You can mail a check or money order to the address printed on your statement. Write your card number on the check and include the payment coupon from your statement if one is provided. Mail should be sent to the address listed under "Payment Address" on your bill, not to Amazon's corporate offices.
Payments by mail take seven to ten business days to arrive and post to your account. Because of this delay, mail is the slowest option and carries the risk that your payment will arrive after your due date if sent close to the important date. Use mail only if you do not have access to online or phone payment methods.
What happens if you miss a payment
If your payment does not arrive by the due date, your account will be reported as late. A late payment can lower your credit score and may trigger a late fee, usually between $25 and $40 depending on how late the payment is. Synchrony may also increase your interest rate if you are 60 or more days late.
If you realize you will miss a due date, contact Synchrony as soon as possible. Some customers have been able to negotiate a one-time waiver of a late fee or an extension, especially if they have a good payment history. The sooner you call, the more options you may have. After you make the late payment, it can take 30 to 60 days for the late mark to stop affecting your credit score, though it will remain on your credit report for seven years.
Understanding your statement and balance
Your monthly statement shows your opening balance, all purchases and credits from the past month, your new balance, your minimum payment, and your due date. The new balance is the total amount you owe, including any interest charged on a previous balance you carried over. The minimum payment is usually 1 to 3 percent of your new balance, but it varies based on your balance and account history.
If you carry a balance from month to month, interest accrues daily at your card's annual percentage rate (APR). The Amazon Synchrony card APR varies by customer and current market rates, but typically ranges from 16% to 24%. Paying more than the minimum reduces how much interest you owe. For example, if you owe $1,000 and pay only the minimum, you will pay significantly more in interest than if you pay $500 or more toward the balance.
Frequently Asked Questions
Can I pay my Amazon Synchrony card bill with another credit card?
No, Synchrony does not accept credit card payments. You can pay with a debit card, bank account, or check. Paying a credit card bill with another credit card typically incurs a cash advance fee and is not recommended for managing debt.
What time does the payment cutoff happen on Amazon?
Payments submitted through Amazon before 8 p.m. ET on a business day post the same day. Payments after that time or on weekends and holidays post the next business day. Check your statement for the exact cutoff time, as it may vary slightly.
If I pay online, how long until it shows on my statement?
Online payments through Amazon post to your account when ready, though your bank may take one to two business days to deduct the money from your checking account. The payment counts as received on the day you submit it, so it will not be late even if your bank processes it later.
Can I pay someone else's Amazon Synchrony bill?
You can make a payment on an account if you have the cardholder's permission and account information. Call Synchrony at 1-866-634-8379 to discuss payment options. For security reasons, you may not be able to pay online without access to the cardholder's Amazon account.
What should I do if my payment was rejected?
If a payment fails, Synchrony will send you a notice. Common reasons include insufficient funds, an expired bank account, or a closed checking account. Contact Synchrony when ready to find out why the payment was rejected and to submit a new payment before your due date.