The fastest way to pay your Chase Amazon card
You can pay your Chase Amazon credit card online through the Chase website or mobile app, by phone, by mail, or in person at a Chase branch. The online method is fastest — payments post within one business day when you pay before the cutoff time, which is usually 8 p.m. Eastern. If you set up autopay, Chase will deduct your chosen amount on your statement due date each month, so you never have to remember to pay.
You do not need to go to a Chase branch or call unless you prefer to. Most people pay online because it takes five minutes and you can see the payment post when ready. The card issuer is Chase Bank, so you are paying Chase directly, not Amazon — Amazon is just the name on the rewards program.
Key Takeaways
- Online payment through Chase.com or the Chase Mobile app posts within one business day and is the fastest method for most people.
- Autopay deducts your full statement balance or a fixed amount on your due date each month, eliminating the need to pay manually.
- The due date is printed on your statement and is usually 21 to 25 days after your statement closing date.
- Late fees start at $25 to $35 if you miss your due date, and your interest rate may increase if you pay late.
- You can pay more than your minimum payment at any time without penalty, which reduces interest charges on your balance.
Paying online through Chase.com or the app
Go to Chase.com, sign in with your username and password, and select your Amazon credit card account. Click "Make a Payment" and enter the amount you want to pay. You can pay your full statement balance, your minimum payment, or any amount in between. Choose your payment date — if you pick today, the payment posts within one business day. If you pick a future date, Chase holds the payment and posts it on that day.
The Chase Mobile app works the same way. Open the app, tap your Amazon card, and select "Pay Now" or "Schedule Payment". You do not need a separate login — if you are already signed into the app, you can pay when ready. Payments made before 8 p.m. Eastern on a business day usually post the next day.
You will see a confirmation number on screen and receive an email receipt. Keep the confirmation number in case you need to prove you paid on time. If you do not see the payment post within two business days, call Chase at the number on the back of your card.
Setting up automatic payments (autopay)
Autopay removes the risk of forgetting a payment. Sign into Chase.com, go to your Amazon card account, and look for "Autopay" or "Automatic Payments" in the settings menu. Choose whether you want Chase to deduct your full statement balance each month or a fixed amount you set. Pick your due date — Chase will pull the money on that date every month.
If you choose "full statement balance", Chase pays off everything you owe each month, and you will not carry interest charges. If you choose a fixed amount, you control how much comes out, but you may carry a balance and pay interest on what remains. Most people choose full statement balance if they can afford it, because it costs nothing in interest.
You can change or cancel autopay anytime through the same settings menu. There is no fee for setting it up or canceling it. If your payment fails because your bank account does not have enough money, Chase will notify you and you will need to pay manually.
Paying by phone or mail
To pay by phone, call the number on the back of your card. A representative will ask for your account number and the amount you want to pay. They will confirm your bank account information and process the payment over the phone. Payments made this way usually post within one to two business days. There is no fee for paying by phone.
To pay by mail, write a check or money order payable to "Chase Bank" and include your account number on the check. Mail it to the address printed on your statement under "Payment Address" — this address is different from your billing address. Mail payments take seven to ten business days to post, so send your check early if your due date is coming up. Do not send cash through the mail.
What happens if you miss your due date
Your due date is printed on your statement and is usually 21 to 25 days after your statement closing date. If you do not pay at least your minimum payment by that date, Chase charges a late fee of $25 to $35 depending on your account history. More importantly, your interest rate may increase — Chase can raise your APR if you pay 60 days or more late, and the higher rate applies to your entire balance, not just new charges.
A late payment also appears on your credit report and damages your credit score. The damage is worst in the first month and fades over time, but a late payment stays on your report for seven years. If you are going to miss your due date, call Chase before the date arrives — sometimes they will waive a late fee if you have a good payment history and it is your first miss.
Paying more than your minimum to save on interest
Your minimum payment is usually 1 to 3 percent of your balance, which means paying only the minimum keeps you in debt for years and costs you hundreds in interest. You can pay more than the minimum at any time without penalty. If you have a $2,000 balance at 20 percent APR and pay $100 per month instead of the $40 minimum, you will pay off the card in 23 months instead of 80, and you will pay $300 in interest instead of $1,600.
The easiest way to pay more is to increase your autopay amount. If you set autopay to $200 instead of your minimum, that extra $160 goes straight to your balance and costs you nothing. You can also make extra payments anytime through Chase.com without waiting for your due date. There is no limit to how much you can pay or how often you can pay.
Frequently Asked Questions
What time do I need to pay by for it to post today?
Payments made before 8 p.m. Eastern on a business day usually post the next business day. If you pay after 8 p.m. or on a weekend or holiday, Chase processes it the next business day. Check your statement for the exact cutoff time for your account, as it can vary slightly.
Can I pay with a different bank account than the one I used to open the card?
Yes. When you make a payment online or by phone, you can enter any bank account you have access to. Chase will verify the account by depositing small amounts and asking you to confirm them. This takes one to two business days, so plan ahead if you are switching accounts.
What if I pay my full balance but still have interest charges on my next statement?
Interest is calculated daily on your balance. If you carry a balance one day into your billing cycle, you owe interest on that day's balance. Paying your full balance stops new interest from accruing, but you may see interest from previous days on your next statement. To avoid all interest, pay your full balance before your statement closing date, not just by your due date.
Is there a fee for paying online?
No. Chase does not charge a fee for online payments, autopay, phone payments, or mail payments. The only fees are late fees if you miss your due date and interest if you carry a balance.
Can I set up autopay to pay only part of my balance?
Yes. You can set autopay to pay a fixed dollar amount each month, like $200 or $500. You can also set it to pay your full statement balance, your minimum payment, or a percentage of your balance. Choose the option that works for your budget, but remember that paying only the minimum keeps you in debt longer and costs more in interest.