Pay your Amazon credit card bill directly to Synchrony Bank
Synchrony Bank is the issuer of the Amazon credit card, so all payments go to Synchrony, not to Amazon. You can pay online through your Synchrony account, by phone, by mail, or through automatic payments. The fastest route is logging into your Synchrony account online or using the Synchrony mobile app — both let you pay when ready and see your balance update right away.
You do not need to go through Amazon to make a payment. Even though you use the card to shop on Amazon, the card itself is managed by Synchrony, and that is where your bill lives.
Key Takeaways
- Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app to pay online in minutes.
- You can set up automatic payments from your bank account so your bill pays itself on a date you choose each month.
- Paying by phone takes about 10 minutes and requires your card number and bank account details; call 1-866-697-7000.
- Mailed checks should be sent to the address on your statement and take 7 to 10 business days to post to your account.
- Payments made before 8 p.m. ET on your due date count as on-time; payments after that date may be marked late.
Pay online through your Synchrony account
Go to synchronybank.com and sign in with your username and password. If you do not have an online account yet, you can create one by clicking "Enroll" and entering your card number, Social Security number, and date of birth. Synchrony will send you a temporary password by email or text.
Once you are logged in, click "Make a Payment" or "Pay Now" (the exact wording varies by page). Enter the amount you want to pay and choose the date the payment should leave your bank account. You can pay the full balance, the minimum payment, or any amount in between. Review the details and confirm. The payment posts to your account when ready if you pay before 8 p.m. ET; payments after that time post the next business day.
If you want to pay from a different bank account than the one you set up during enrollment, you can add a new bank account in the "Payment Methods" or "Manage Accounts" section before you make the payment.
Set up automatic payments so you never miss a due date
Automatic payments remove the need to log in and pay each month. In your Synchrony account, go to "Manage Automatic Payments" or "Autopay Settings." Choose the bank account you want the payment to come from, the amount (minimum payment, full balance, or a fixed dollar amount), and the day of the month you want it to pay.
Synchrony will deduct that amount from your bank account on the date you choose, every month, until you turn off the automatic payment. This is useful if you want to pay the full balance every month and avoid interest charges. You can change or stop an automatic payment anytime by logging back into your account.
Make sure the day you choose is before your due date. If your due date is the 20th and you set autopay for the 25th, the payment will be late. Check your statement to see what your actual due date is.
Pay by phone with a customer service representative
Call Synchrony at 1-866-697-7000. Have your Amazon credit card number and your bank account information ready. A representative will ask you how much you want to pay and when you want the payment to come out of your bank account. They will confirm the details and process the payment over the phone.
Phone payments take about 10 minutes and are available Monday through Friday, 8 a.m. to 11 p.m. ET, and Saturday and Sunday, 9 a.m. to 8 p.m. ET. If you call outside these hours, you can leave a message and a representative will call you back, or you can use the online payment method instead.
Mail a check to Synchrony
Write a check to Synchrony Bank and include your card number on the check. The mailing address is on your statement — look for "Payment Address" or "Mail Payments To." Do not send the check to Amazon.
Mailed payments take 7 to 10 business days to arrive and post to your account. Because of this delay, mail is the slowest payment method. If your due date is coming up soon, use online payment or call instead. If you do mail a check, send it at least 10 days before your due date to make sure it arrives on time.
What happens if you miss a payment or pay late
If your payment does not arrive by your due date, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase, and the late payment will show up on your credit report.
If you realize you are going to miss your due date, call Synchrony at 1-866-697-7000 right away. Explain your situation. While Synchrony cannot remove a late fee that has already been charged, they may be able to work with you on timing or discuss your options if you are having trouble paying.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. Amazon does not process payments for the Amazon credit card. You must pay through Synchrony Bank, either online at synchronybank.com, by phone, by mail, or through automatic payments. Amazon will not accept payment for the card balance.
How long does it take for an online payment to show up?
Online payments made before 8 p.m. ET post to your account the same day. Payments made after 8 p.m. ET post the next business day. You can see the payment reflected in your account balance when ready after it posts.
What if I want to pay more than the minimum?
You can pay any amount between the minimum and your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. In your Synchrony account, straightforward enter the amount you want to pay instead of accepting the minimum.
Can I change my due date?
Yes. Log into your Synchrony account, go to "Account Settings" or "Billing," and look for "Change Due Date." Synchrony usually lets you choose from a range of dates. The change takes effect on your next billing cycle.
What if my payment was rejected?
Payments are usually rejected because the bank account information is wrong, the account does not have enough funds, or the account has been closed. Log into your Synchrony account and check the payment status. If it shows "Failed" or "Rejected," update your bank account information and try again, or call 1-866-697-7000 for help.