Pay your Amazon credit card bill online, by phone, or by mail
You can pay your Amazon credit card through your Amazon account, by calling the card issuer directly, or by mailing a check. The fastest method is logging into your Amazon account and making a payment from the "Your Account" section — this takes minutes and posts within one business day. If you prefer to call, the phone number is on the back of your card. Mailing a payment takes seven to ten business days to reach the processor, so use this method only if you need extra time before your due date.
The card issuer depends on which Amazon credit card you hold. The Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card are issued by Chase. The Amazon Business Prime Rewards American Express Card is issued by American Express. Each issuer has its own payment portal and phone line, so knowing which card you have matters when you call or set up automatic payments.
Key Takeaways
- Paying through your Amazon account is the fastest method and posts within one business day, while mail payments take seven to ten days.
- Your card issuer is either Chase or American Express depending on which Amazon card you hold, and each has a separate payment system.
- You can set up automatic payments to your minimum balance, statement balance, or a fixed amount so you never miss a due date.
- Payments made before 8 p.m. Eastern Time typically post the same day; payments after that post the next business day.
Pay through your Amazon account
Log into your Amazon account and go to "Your Account" in the top right corner. Select "Login & security" or navigate directly to the payments section. Look for "Manage your credit card" or "Card settings" — the exact label varies by account type. You will see your current balance, minimum payment due, and statement due date.
Enter the amount you want to pay and confirm the payment method. Amazon will show you the posting date before you submit. If you pay before 8 p.m. Eastern Time on a business day, the payment posts the same day. Payments submitted after 8 p.m. or on weekends post the next business day. You will receive a confirmation email with a reference number.
Pay by phone with Chase or American Express
The phone number for your card is printed on the back of your physical card. Call the customer service line and have your card number, Social Security number, and the amount you want to pay ready. A representative will process the payment over the phone and provide a confirmation number.
Chase (for Amazon Prime Rewards and Amazon Rewards Visa cards) typically processes phone payments within one business day. American Express (for Amazon Business Prime Rewards) does the same. Both lines are open seven days a week, though wait times are longer on weekends and evenings. If you call after hours, you can use the automated system to make a payment without speaking to a representative.
Pay by mail
Write a check payable to Chase or American Express, depending on your card issuer. Include your account number on the check. Mail it to the address shown on your statement — this address is specific to your account and region, so do not use a general Chase or American Express mailing address.
Mail payments take seven to ten business days to arrive and be processed. If your due date is within two weeks, mailing is risky because late fees explore if payment does not post by the due date. Use mail only if you are paying well ahead of your due date or if you have already contacted your issuer to request a due date extension.
Set up automatic payments
Both Chase and American Express allow you to schedule recurring payments from a bank account. Log into your card account online or call the number on your card to set up autopay. You can choose to pay your full statement balance each month, your minimum payment, or a fixed dollar amount.
Paying your full statement balance each month means you carry no balance and pay no interest. Paying only the minimum keeps your account current but leaves you with a balance that accrues interest at your card's APR. A fixed amount falls between the two — useful if you want to pay down a balance over time without interest surprises. You can change or cancel autopay anytime, and you will receive a reminder email before each scheduled payment.
What happens if you miss a payment
If your payment does not post by the due date, your account enters a late status. Chase and American Express charge a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase to the penalty APR, which is higher than your regular purchase APR.
A single late payment stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on your current score. If you miss a payment, contact your issuer when ready. Many will waive the first late fee if you call within a few days and bring your account current. Paying as soon as you realize the miss is better than waiting — the longer the account stays late, the harder it is to recover.
Frequently Asked Questions
Can I pay my Amazon credit card bill with another credit card?
No. Chase and American Express do not accept credit card payments for credit card bills. You must pay from a bank account, by check, or through a third-party payment service like PayPal or Venmo, though those services may charge a fee. The cheapest method is always a direct bank transfer.
What if I pay more than my balance?
The overpayment becomes a credit on your account. You can use it toward future purchases, or you can request a refund. Chase and American Express will mail a check for the overage if you ask, though this takes one to two weeks. You can also call to request a refund when ready.
Does paying early help my credit score?
Paying before your due date does not boost your score, but paying on time every month does. Your credit score improves when you keep your balance low relative to your credit limit and never miss a payment. Paying early does not change either of those factors.
Can I change my due date?
Yes. Both Chase and American Express allow you to move your due date within your online account or by calling customer service. You can typically change it once per billing cycle. This is useful if your due date falls on a day when you do not have funds available.
What if my payment was rejected?
A payment is usually rejected because the bank account you linked has insufficient funds, the account is closed, or the routing number is incorrect. Check your email for a rejection notice — it will explain why. Contact your issuer to resubmit the payment from a different account or by phone.