Where to send your Amazon credit card payment
You can pay your Amazon credit card issued by Chase in three ways: online through your Chase account, by phone, or by mail. The fastest and most common route is logging into Chase.com or the Chase Mobile app, finding your Amazon credit card account, and sending a payment directly. You do not need to go through Amazon's website — Chase handles all payments for this card.
If you prefer to pay by phone, call the number on the back of your card. A representative can take your payment over the phone using a bank account or debit card. Payments made by phone typically post within one business day.
For mail payments, send a check or money order to the address printed on your monthly statement. Mail payments take longer — usually 7 to 10 business days to post — so send them early if your due date is approaching.
Key Takeaways
- Log into Chase.com or the Chase Mobile app to pay online, which is the fastest method and posts within one business day.
- Call the number on the back of your card to pay by phone using a bank account or debit card.
- Mail payments to the address on your statement, but allow 7 to 10 business days for the payment to post.
- Set up automatic payments through Chase if you want the same amount deducted on the same day each month.
- Your due date appears on your statement and in your online account; paying after that date triggers a late fee and may affect your credit report.
Paying online through Chase
Go to Chase.com and sign in with your username and password. If you do not have a Chase online account yet, you can create one using your card number and Social Security number. Once logged in, select your Amazon credit card from the list of accounts, then look for a "Make a Payment" or "Pay Now" button.
Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose the date you want the payment to leave your bank account. Chase will show you a confirmation screen with the payment amount, date, and the account it will come from. Review this carefully before confirming, because once you submit, the payment is scheduled.
Payments made before 8 p.m. Eastern Time on a business day typically post the next business day. Payments made after 8 p.m. or on weekends post the following business day.
Setting up automatic payments
If you want to stop thinking about your payment date, set up automatic payments in your Chase account. Log in, go to your Amazon credit card, and look for "Automatic Payments" or "Autopay" in the settings. You can choose to pay the full balance, the minimum payment, or a fixed dollar amount each month.
Automatic payments deduct on the due date shown on your statement, so you will never be late. If you set it to pay the full balance, you will carry no balance forward and owe no interest. If you set it to pay only the minimum, interest will accrue on the remaining balance.
You can change or cancel automatic payments anytime through your Chase account. If you cancel, you go back to making manual payments, so mark your due date on a calendar or set a phone reminder.
What happens if you miss a payment
If your payment does not post by the due date, Chase charges a late fee. The fee amount depends on your balance — typically $25 to $35 for the first late payment, and up to $39 for subsequent ones within six months. More importantly, a late payment stays on your credit report for seven years and can lower your credit score by 100 points or more.
If you realize you will miss the due date, call Chase when ready at the number on your card. Sometimes a representative can waive a single late fee if you have a good payment history. Even if they cannot waive it, paying as soon as possible limits the damage to your credit.
If you fall more than 30 days behind, Chase may freeze your card and report the account as delinquent to the credit bureaus. At that point, the card becomes much harder to use, and your credit score takes a serious hit.
Understanding your statement and due date
Your monthly statement shows the due date in large print near the top. This is the date Chase must receive your payment to avoid a late fee. The statement also shows your current balance, minimum payment, and interest rate. If you carry a balance from month to month, you will see an interest charge listed as "Finance Charge" or "Interest."
Your statement covers a billing cycle, usually 25 to 30 days. Purchases made during that cycle appear on the next statement, not the current one. This means if you buy something on the last day of the cycle, you have until the due date of the next statement to pay for it — usually about 50 to 55 days from the purchase date.
You can view your statement online through Chase anytime, or request paper statements by mail. Checking your statement regularly helps you catch fraud, verify charges, and stay on top of your balance.
Paying more than the minimum
The minimum payment is the smallest amount Chase requires you to pay to stay current. It is usually 1 to 3 percent of your balance. Paying only the minimum means the rest of your balance carries forward to next month and accrues interest.
If you pay more than the minimum — or pay the full balance — you reduce the amount of interest you owe. Paying the full balance every month means you owe no interest at all. Even paying $50 or $100 extra per month shrinks the interest you pay over time.
Use the "Pay More Than Minimum" or similar option in your Chase account to send an extra payment anytime, not just on your due date. Some people pay twice a month to stay ahead of interest charges.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon's website?
No. Amazon does not process payments for the Chase Amazon credit card. You must pay through Chase directly — either Chase.com, the Chase app, by phone, or by mail. Amazon's website may have a link to Chase's payment page, but the actual payment goes to Chase.
How long does it take for a payment to show up?
Online and phone payments typically post within one business day if made before 8 p.m. Eastern Time on a weekday. Mail payments take 7 to 10 business days. Your due date is based on when the payment posts, not when you send it, so mail early if your due date is soon.
What if I pay too much by accident?
If you overpay, Chase will credit the extra amount to your account. You can use that credit toward future purchases, or request a refund by calling the number on your card. Refunds typically take 3 to 5 business days to appear in your bank account.
Can I set a payment reminder so I do not forget?
Yes. Most banks, including Chase, let you set up payment reminders through their app or website. You can also set a phone alarm or calendar reminder for a few days before your due date. Automatic payments eliminate the need for reminders altogether.
Is there a fee for paying online or by phone?
No. Chase does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer. Some third-party payment services charge fees, so always pay directly through Chase to avoid extra costs.