Where to pay your Amazon card bill
You can pay your Amazon card bill through your Amazon account, by phone, by mail, or through your bank's bill pay system. The fastest route is logging into your Amazon account, going to Your Account, then selecting the card you want to pay. From there you can make a one-time payment or set up automatic payments. If you prefer not to use Amazon's website, you can call the customer service number on the back of your card and make a payment over the phone.
Payments made through Amazon's website or by phone typically post within one business day. If you mail a check, allow 7 to 10 business days for it to arrive and be processed. The mailing address appears on your monthly statement. You can also set up payments through your bank's bill pay feature, which sends a check on your behalf — this also takes 7 to 10 business days but does not require you to write the check yourself.
Key Takeaways
- Log into your Amazon account and select Your Account to find the payment option for your card.
- One-time payments through Amazon's website or by phone post within one business day.
- Mailed checks and bank bill pay take 7 to 10 business days, so plan ahead if your due date is near.
- You can set up automatic payments so your full balance or a fixed amount is paid on the same day each month.
- The customer service number on the back of your card works for phone payments at any time, including weekends.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. In your Amazon account, go to Your Account, select your card, and choose the automatic payment option. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Most cardholders choose to pay the full balance each month to avoid interest charges.
You can change or cancel automatic payments at any time through the same menu. If you set automatic payments to run on a date after your due date, the payment will still post on time and you will not be charged a late fee. However, if you want to avoid any interest on purchases, the payment must post before the end of your grace period — usually 21 days from the end of your billing cycle.
What happens if you miss a payment
A payment is considered late if it does not post by your due date. Late payments trigger a late fee, which appears on your next statement. The amount of the fee depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more.
Late payments also affect your credit report. After 30 days past due, the late payment is reported to the three major credit bureaus and can lower your credit score. After 60 days past due, you may receive a call from the card issuer's collections department. If your account reaches 180 days past due, the card issuer may close your account and refer it to a third-party collection agency.
How to dispute a charge on your Amazon card
If you see a charge you do not recognize or believe is incorrect, you can dispute it through your Amazon account or by calling customer service. Log into Your Account, find the transaction in your statement, and select the option to report a problem. Describe what is wrong with the charge — whether it is a duplicate, an unauthorized purchase, or an amount that does not match what you agreed to pay.
The card issuer will investigate your dispute and typically respond within 30 to 60 days. During this time, the disputed amount may be temporarily removed from your balance while the investigation is underway. If the issuer rules in your favor, the charge is permanently removed. If they rule against you, the charge goes back on your account and you are responsible for paying it.
Payment timing and your billing cycle
Your billing cycle is a set period — usually 28 to 31 days — during which purchases are recorded on your account. Your statement is generated at the end of this cycle, and your due date is typically 21 days later. Payments posted before your due date count toward that month's balance. Payments posted after your due date are applied to your next statement.
If you pay before your statement closes, that payment reduces the balance shown on your next statement. If you pay after your statement closes but before your due date, you avoid a late fee but may still owe interest on the balance if you do not pay it in full. Paying your full statement balance by the due date means you owe no interest on any purchases made during that billing cycle.
Using a different payment method
Some cardholders prefer to pay from a different bank account or credit card rather than through Amazon's website. You can do this through your bank's bill pay system by entering the mailing address from your statement. You can also pay by phone using a different bank account or debit card — the customer service number on the back of your card accepts these payments.
Paying from another credit card is possible but usually not recommended, because most card issuers treat payments from other credit cards as cash advances rather than regular payments. Cash advances typically have a higher interest rate and start accruing interest when ready, with no grace period. If you need to move money between accounts, a bank transfer or debit card payment is usually cheaper.
Frequently Asked Questions
Can I pay my Amazon card bill with a different Amazon account?
No. The payment must come from the same Amazon account associated with the card. If you have multiple Amazon accounts, you will need to log into the account linked to the card you want to pay.
What if I pay more than my statement balance?
The extra amount becomes a credit on your account and is applied to your next statement. You can also request a refund of the credit by calling customer service, though this may take several business days to process.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum and your full balance. However, paying only the minimum means you will owe interest on the remaining balance at your card's annual percentage rate (APR). Paying the full balance by your due date avoids all interest charges.
What if my payment does not post by the due date?
Contact customer service when ready. If the payment was sent by mail or bank bill pay and has not yet arrived, you may be able to make an additional payment online or by phone to avoid a late fee. If the payment did post but your account still shows it as late, customer service can sometimes reverse a late fee if this is your first offense.
Can I change my due date?
Yes. Log into Your Account, select your card, and look for the option to change your due date. You can usually move it to any day between the 1st and the 28th of the month. The change takes effect on your next billing cycle.