Pay your Amazon Chase card bill online, by phone, or by mail
The Amazon Chase card — officially the Amazon.com Store Card or Amazon Prime Rewards Visa Signature Card — works like any other credit card: you receive a bill each month and you choose how to pay it. Chase, the card issuer, gives you several ways to send that payment. The fastest is online through your Chase account. You can also pay by phone, mail, or automatic transfer from your bank account.
The key difference from other cards is that Amazon Chase cards are issued by Chase Bank, not by Amazon itself. This means you pay Chase, not Amazon, even though you may have opened the card through Amazon's website. Knowing where to send your payment and which method works for your situation saves you from late fees and keeps your account in good standing.
Key Takeaways
- You can pay your Amazon Chase card through Chase's website or mobile app, by calling Chase customer service, or by mailing a check to the address on your statement.
- Setting up automatic payments from your bank account ensures you never miss a due date, though you can choose to pay the full balance, minimum payment, or a custom amount.
- Payments made online or by phone typically post within one business day, while mailed checks take five to seven business days to reach Chase.
- Your due date appears on your monthly statement, and paying after that date triggers a late fee and may affect your credit score.
Pay online through Chase.com or the Chase mobile app
The fastest and most direct way to pay is through Chase's website or their mobile app. Log in with your Chase username and password, find your Amazon card account, and select "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Chase lets you choose the payment date as well — you can pay when ready or schedule it for a future date, as long as that date is before your due date.
Payments made online post to your account within one business day. If you are close to your due date, paying online same-day is safer than mailing a check. You will receive a confirmation number after you submit the payment, which you should keep for your records.
If you do not have a Chase online account yet, you can create one at Chase.com using your card number and other identifying information. Once your account is set up, you can manage all your Chase cards in one place.
Set up automatic payments to avoid missing your due date
Automatic payments remove the risk of forgetting to pay. Through your Chase account, you can set up a recurring payment that transfers money from your bank account to Chase on a date you choose each month. You decide whether Chase pulls the full balance, the minimum payment, or a fixed dollar amount.
Most people choose to pay the full balance automatically, which means you carry no debt forward and pay no interest. If you prefer to pay only the minimum, automatic payments work for that too — though carrying a balance means you will pay interest charges on top of what you owe.
To set up automatic payments, log into your Chase account, go to your Amazon card, and look for "Autopay" or "Automatic Payments." You will need your bank account number and routing number. Once it is set up, Chase will pull the payment on the date you selected each month, and you will see it reflected in your next statement.
Pay by phone with Chase customer service
If you prefer not to pay online, you can call Chase directly. The phone number is on the back of your card and on your monthly statement. Have your card number and bank account information ready. A representative will walk you through the payment process and confirm the amount and date.
Payments made by phone post within one business day, the same as online payments. This method works well if you have questions about your account or if you want to discuss payment options with someone directly. Keep the confirmation number the representative gives you.
Mail a check to Chase
You can also pay by mailing a check. Your monthly statement includes a payment coupon with Chase's mailing address. Write your card number on the check, include the coupon, and mail it to the address shown. Do not mail cash.
Mailed payments take five to seven business days to reach Chase after you drop them in the mail. If your due date is within a week, mailing a check is risky — the payment may not arrive in time, and you could be charged a late fee. Use this method only if you have time before your due date, or if online and phone payments are not available to you.
Understand your due date and late fees
Your due date is listed on your monthly statement and typically falls on the same day each month. If you pay after that date, Chase charges a late fee. The amount varies, but late fees on Chase cards typically range from $25 to $40 for the first late payment, and higher for subsequent ones. A late payment also appears on your credit report and can lower your credit score.
If you miss your due date by 30 days or more, Chase may report the account as delinquent, which has a larger impact on your credit. If you know you will miss a payment, call Chase before the due date to discuss options — they may be able to work with you on timing or temporarily adjust your payment plan.
What happens if you cannot pay the full balance
If you cannot pay the full balance, you can pay the minimum amount shown on your statement. This keeps your account current and avoids a late fee. However, any balance you do not pay will accrue interest at your card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates.
Paying only the minimum means your debt grows each month as interest compounds. Over time, this becomes much more expensive than paying the full balance. If you are struggling to pay, contact Chase to discuss a hardship plan or other options before you fall behind.
Frequently Asked Questions
How do I know if my payment went through?
After you submit a payment online or by phone, you will receive a confirmation number. Log back into your Chase account within one business day to verify the payment appears in your transaction history. Your statement will also reflect the payment in your next billing cycle.
Can I pay my Amazon Chase card through Amazon.com?
No. Even though you may have opened the card through Amazon, Chase is the issuer and you must pay Chase directly. Paying through Amazon.com will not work. Use Chase.com, the Chase app, or call the number on your card.
What if I pay more than I owe?
If you overpay, Chase will credit the extra amount to your account. You can use that credit toward your next bill, or you can request a refund. Contact Chase customer service to request a refund if you prefer not to carry a credit balance.
Is there a fee to pay my bill?
No. Chase does not charge a fee for paying your bill online, by phone, or by mail. Automatic payments are also free. The only charge you incur is interest if you carry a balance, or a late fee if you miss your due date.
Can I change my due date?
Yes. Log into your Chase account, go to your card settings, and look for "Change Due Date" or "Billing Cycle." Chase typically allows you to move your due date once per year. Contact Chase customer service if you need to change it outside the standard window.