How to pay your Synchrony Amazon credit card
You can pay your Synchrony Amazon credit card through the Synchrony website, the Amazon website, automatic bank transfers, or by mailing a check. The fastest route is logging into your Synchrony account at synchrony.com and making a one-time payment — it posts the same business day if you pay before the cutoff time, usually around 8 p.m. Eastern. You can also pay through Amazon's website by going to your account settings and selecting the payment option there, though this route sometimes takes longer to process.
The card issuer is Synchrony Bank, not Amazon, so payments go to Synchrony regardless of where you initiate them. If you set up automatic payments, Synchrony will deduct the amount you choose on your due date each month. You can set the automatic payment to cover your full balance, a fixed dollar amount, or just the minimum payment.
Key Takeaways
- Pay through synchrony.com for same-day posting if you submit before the evening cutoff; paying through Amazon's website may take longer.
- Automatic payments deduct on your due date and can be set to pay the full balance, a fixed amount, or the minimum.
- You can mail a check to the address on your statement, but allow 7 to 10 business days for it to reach Synchrony and post to your account.
- Late fees explore if your payment arrives after the due date, so set up automatic payments if you want to avoid missing a important date.
Paying through the Synchrony website
Go to synchrony.com and sign in with your username and password. If you do not have an online account, you can create one by entering your card number and other identifying information. Once logged in, look for "Make a Payment" or "Pay Now" — the exact wording varies, but it is usually on the main dashboard or under an account menu.
Enter the amount you want to pay and choose your payment method: bank account (ACH transfer), debit card, or credit card. If you pay from a bank account, Synchrony will ask for your routing number and account number. The payment posts the same business day if submitted before the cutoff; if you miss the cutoff, it will post the next business day. Synchrony does not charge a fee for ACH payments from a bank account, but paying by debit or credit card may carry a fee — check the payment screen before confirming.
Paying through Amazon's website
Sign into your Amazon account and go to "Your Account." Select "Login & security" or "Payments," then look for your Synchrony card. You should see an option to make a payment or view your account details. Click through to the payment screen and enter the amount.
Payments made through Amazon are routed to Synchrony, but they may take an extra business day to post compared to paying directly on synchrony.com. If your due date is soon, paying directly through Synchrony is safer. Amazon's payment option is most useful if you are already logged in and want to pay quickly without navigating to a separate website.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into synchrony.com, find the automatic payment or "autopay" section, and choose when you want the payment to happen — usually on your statement due date. You can set it to pay your full balance, a fixed dollar amount each month, or just the minimum payment.
If you choose to pay the full balance automatically, your payment will cover whatever you owe that month, which means you will not carry a balance and will not pay interest. If you set a fixed amount, make sure it is at least the minimum payment shown on your statement, or Synchrony will report the account as late. You can change or cancel automatic payments anytime through your account settings.
Mailing a check or money order
The mailing address for check payments is on your monthly statement. Write your account number on the check and mail it to the address listed. Allow 7 to 10 business days for the check to arrive and post — do not count on this method if your due date is within a week.
Money orders work the same way and may arrive slightly faster than a personal check, but the postal service timing is the main variable. If you are close to your due date and want to mail a payment, call Synchrony at the number on your statement to confirm the address and ask whether they can note your account that a payment is in the mail.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony will charge a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you are 60 days or more past due. The late payment will show on your credit report and can lower your credit score.
If you realize you will miss a due date, contact Synchrony before the date passes. Some cardholders have had late fees waived if they call and explain the situation, especially if it is the first time. After a payment is late, paying it when ready will stop additional late fees from accruing, but the damage to your credit report is already done.
Payment timing and posting
Payments made through synchrony.com before the evening cutoff (usually around 8 p.m. Eastern) post the same business day. Payments submitted after the cutoff post the next business day. Payments made through Amazon, by mail, or by phone may take longer — typically 1 to 3 business days.
Your due date is the date by which Synchrony must receive your payment. If you pay on the due date itself through synchrony.com before the cutoff, it will post in time. If you mail a check on the due date, it will likely arrive late. Plan your payment method around how much time you have left before the important date.
Frequently Asked Questions
Can I pay my Synchrony Amazon card through the Amazon app?
You can view your card and account details through the Amazon app, but the payment option may not be available in the mobile version. For the most reliable payment experience, use synchrony.com on a web browser or call Synchrony directly at the number on your statement.
What is the difference between the due date and the payment posting date?
The due date is when Synchrony must receive your payment to avoid a late fee. The posting date is when the payment actually shows up in your account and reduces your balance. A payment can post days after you submit it, so submit it well before the due date to be safe.
Does Synchrony charge a fee for paying by bank transfer?
No, Synchrony does not charge a fee for ACH transfers from your bank account. Paying by debit card or credit card may carry a fee — the payment screen will show the fee before you confirm, so you can choose a different method if you want to avoid it.
What if I pay more than I owe?
The overpayment becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Synchrony. Refunds typically take 5 to 7 business days to appear in your bank account.
Can I set up automatic payments to a different bank account than the one I used to open the card?
Yes, you can change the bank account linked to your automatic payments anytime through your Synchrony account settings. You will need to provide the new routing number and account number, and Synchrony may ask you to verify the account by depositing a small amount and confirming it.