The fastest way to pay your Amazon Chase card
You can pay your Amazon Chase card through the Chase website, the Chase Mobile app, or by phone. The Chase website and app both let you pay when ready and see your balance right away. Paying by phone takes a few minutes longer but works if you do not have internet access.
The mailing address for checks is on your statement, but mailed payments take 7 to 10 days to reach Chase and post to your account. If you are close to your due date, use the website, app, or phone instead.
You can also set up automatic payments so the same amount comes out of your bank account on the same day each month. This prevents missed payments but requires you to remember to change the amount if your balance changes.
Key Takeaways
- The Chase website and mobile app process payments when ready and show your updated balance right away.
- Automatic payments prevent missed due dates but require you to adjust the amount manually if your balance varies month to month.
- Phone payments work if you cannot use the website or app, but you will need your card number and bank account information ready.
- Mailed checks take 7 to 10 days to post, so use them only if your due date is more than two weeks away.
Paying through the Chase website or app
Log into your Chase account at chase.com or open the Chase Mobile app. Select your Amazon Chase card from the list of accounts. Look for a "Pay" or "Make a Payment" button — the exact wording changes slightly between the website and app, but it is always near the top of your account page.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose the date you want the payment to leave your bank account — same-day payments are usually free, but some banks charge a fee for same-day transfers, so check with your bank first if you are unsure.
Confirm your bank account information. If this is your first payment, you will need to add your checking or savings account. Chase will ask for your routing number and account number, both of which appear on the bottom left of a check. After you confirm, the payment processes when ready.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Chase account, go to your Amazon Chase card, and look for "Autopay" or "Automatic Payments" in the settings menu. Choose whether you want to pay your full balance, your minimum payment, or a fixed dollar amount each month.
Select the day of the month you want the payment to come out. Most people choose a day shortly after they get paid. The payment will happen automatically on that day every month until you turn it off.
If your balance changes significantly — for example, if you usually pay $200 but one month you charge $800 — you will need to log in and adjust the automatic payment amount. Automatic payments do not adjust on their own. If you set it to pay a fixed amount and your balance is higher, you will still owe the difference.
Paying by phone
Call the customer service number on the back of your card. Have your card number and the bank account you want to pay from ready. A representative will ask how much you want to pay and when, then process the payment over the phone.
Phone payments are free and work the same way as online payments — the money leaves your bank account on the date you choose and posts to your card within one business day. This method takes longer than the website or app because you have to wait for a representative, but it is useful if you cannot access the internet or prefer to speak to someone.
Paying by mail
Write a check to Chase and include your card number on the check itself. The mailing address is on your statement under "Payment Address" — use that address, not the general Chase headquarters address, because payments sent to the wrong location take longer to post.
Mail your check at least 10 days before your due date. The postal service typically takes 3 to 5 days, and Chase takes another 3 to 5 days to process and post the payment. If your due date is sooner than that, use the website, app, or phone instead.
What happens if you miss a payment
If your payment does not post by the due date, Chase will report the late payment to the credit bureaus. A single late payment can lower your credit score by 100 points or more, depending on your current score. The damage is worst in the first 30 days after the due date.
Chase will also charge a late fee, usually $25 to $35 for the first late payment and up to $40 for later ones. If you miss a payment by more than 30 days, your interest rate may jump to a much higher rate called the penalty APR.
If you realize you will miss a due date, call Chase before the date passes. Explaining the situation does not erase the late fee, but it gives you a chance to ask whether Chase will waive it — they sometimes do for customers with a long history of on-time payments.
Paying more than the minimum
Paying more than your minimum payment saves you money on interest. If you carry a balance month to month, the interest charges compound — meaning you pay interest on the interest you already owe. The longer you carry the balance, the more interest you pay.
For example, if you owe $2,000 and pay only the minimum each month, you might pay $800 or more in interest before the card is paid off. If you pay $300 a month instead, you will pay off the card much faster and owe far less interest.
The easiest way to pay more is to log into your Chase account and enter a higher amount than your minimum payment. You can do this once, or you can adjust your automatic payment to a higher amount if you set one up.
Frequently Asked Questions
Can I pay my Amazon Chase card with another credit card?
No. Chase does not accept credit card payments for credit card balances. You must pay from a checking or savings account, by check, or by phone with a bank account. Paying a credit card with another credit card counts as a cash advance and charges a much higher interest rate plus an upfront fee.
What if I pay after the due date but before the end of the month?
Late fees and credit bureau reporting happen as soon as the payment is one day late. Paying a few days late still triggers the late fee and the negative mark on your credit report. The only way to avoid these consequences is to pay by the due date shown on your statement.
Does paying early help my credit score?
Paying early does not hurt your score, but it does not help it either. Your credit score is based on whether you pay on time, how much of your credit limit you use, and other factors — not on how early you pay. Paying on time is what matters.
Can I set up automatic payments to a different bank account each month?
No. Automatic payments come from the same bank account every month. If you want to pay from a different account, you will need to set up a new automatic payment and turn off the old one, or make a one-time payment from the new account instead.
What if my bank declines the payment?
If your bank declines a payment because of insufficient funds or a closed account, Chase will report it as a missed payment. You will owe a late fee and the payment will not post. Contact your bank to find out why the payment was declined, then try again from a different account or use a different payment method.