Pay your Amazon Store Card through your Amazon account, by phone, or by mail
You can pay your Amazon Store Card balance in three ways: online through your Amazon account, by phone with a customer service representative, or by mailing a check. The online method is fastest and shows your payment when ready. Phone payments take the same time but require speaking to someone. Mail payments take 7 to 10 business days to reach the payment processor and post to your account.
Your payment due date appears on your monthly statement and in your Amazon account under "Your Account" > "Login & Security" > "Your Payments." Missing the due date triggers a late fee and may affect your credit score, so setting a calendar reminder or autopay is worth doing once.
Key Takeaways
- Online payment through Amazon.com is the fastest method and posts to your account within one business day.
- Phone payments to Synchrony Bank (the card issuer) work the same day you call but require you to have your card and account number ready.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid a late fee.
- Setting up autopay from your bank account removes the risk of forgetting and costs nothing.
- Your minimum payment and due date are listed on your statement and in your Amazon account dashboard.
Paying online through Amazon.com
Log into your Amazon account and go to "Your Account" in the top right corner. Select "Login & Security," then scroll to "Your Payments" and choose "Manage Your Amazon Store Card." You will see your current balance, minimum payment due, and due date. Click "Make a Payment" and enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
Amazon will ask you to confirm the payment method (usually the bank account or debit card linked to your Amazon account) and the payment date. Most payments post within one business day. You will receive a confirmation email with your transaction number and new balance.
Paying by phone with Synchrony Bank
Call Synchrony Bank at the number on the back of your Amazon Store Card. Have your card number and the amount you want to pay ready. A representative will confirm your identity, verify the payment amount, and process the payment over the phone. The payment posts the same day you call, though it may take one business day to show in your online account.
Phone payments are useful if you have questions about your balance, want to set up a payment plan, or prefer not to pay online. There is no fee for paying by phone.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — this address changes depending on where Synchrony is processing payments that month, so always use the current statement address, not an old one.
Mail payments take 7 to 10 business days to arrive and post. Send your payment at least two weeks before your due date to avoid a late fee. If you are cutting it close, use online or phone payment instead. Keep a copy of your check or money order number for your records.
Setting up automatic payments
Autopay removes the risk of missing a due date. Log into your Amazon account, go to "Your Payments," and select "Manage Your Amazon Store Card." Choose "Set Up Automatic Payments" and link a bank account. You can set autopay to pay your full balance, your minimum payment, or a fixed amount each month on a date you choose.
Autopay posts on the date you select, so set it for a few days before your due date to give the payment time to clear. You can change or cancel autopay anytime through the same menu. There is no fee for using autopay.
What happens if you miss a payment
A late fee applies if your payment does not post by the due date. The fee amount depends on your balance but typically ranges from $25 to $40. More importantly, a late payment is reported to credit bureaus and can lower your credit score by 100 points or more, depending on how late the payment is and your overall credit history.
If you miss a payment, pay as soon as you can. Contact Synchrony Bank to ask whether they will waive the late fee — they sometimes do for first-time late payments or if you have a good payment history. The sooner you pay, the less damage to your credit score.
Frequently Asked Questions
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance, whether you pay online, by phone, or by mail. Paying more than the minimum reduces your interest charges and helps you pay off the card faster.
Does paying by phone cost extra?
No. Synchrony Bank does not charge a fee for phone payments. Online and mail payments are also free.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Check your Amazon account the next business day to see the payment post. Mail payments take 7 to 10 days. If you do not see the payment after that time, contact Synchrony Bank with your check number or money order number.
What if I pay after the due date?
A late fee applies and the late payment is reported to credit bureaus. Pay when ready to stop additional fees from accruing. Contact Synchrony to ask if they will waive the fee.
Can I change my due date?
Contact Synchrony Bank by phone or through your online account to request a due date change. They usually allow you to move your due date once per year to a date that works better with your pay schedule.