How to pay your Synchrony Bank Amazon card
You can pay your Synchrony Bank Amazon card online through your Synchrony account, by phone, by mail, or through automatic payments. The fastest method is logging into your Synchrony account at mysynchrony.com and making a one-time payment. If you prefer not to use the website, you can call Synchrony's customer service line (the number is on the back of your card) and pay over the phone with a bank account or debit card.
Synchrony also lets you set up automatic payments so your bill is paid on the same date each month. This prevents missed payments and late fees. You choose whether to pay your full statement balance, a fixed amount, or just the minimum due.
Key Takeaways
- The online portal at mysynchrony.com is the fastest way to make a payment and shows your balance and due date when ready.
- Automatic payments can be set up through your Synchrony account and will deduct from your bank account on a date you choose each month.
- Phone payments are available by calling the customer service number on your card, and you can pay with a bank account or debit card.
- Mail payments take longer to post but can be sent to the address listed on your statement; include your account number on the check.
- Your payment due date appears on your statement, and paying after that date will result in a late fee even if you pay within the same month.
Paying online through your Synchrony account
Log in to mysynchrony.com using your username and password. If you do not have an account yet, you can create one by entering your card number and other identifying information. Once logged in, click "Make a Payment" or "Pay Now" (the exact wording may vary slightly).
You will see your current balance, minimum payment due, and statement due date. Enter the amount you want to pay and choose your payment method — either a bank account (via ACH transfer) or a debit card. Bank account payments typically post within one business day. Debit card payments may post the same day or within one business day depending on the time you submit.
Keep your confirmation number for your records. Synchrony will also send you an email confirmation of the payment.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into mysynchrony.com, go to "Account Settings" or "Manage Payments," and select "Set Up Auto Pay." Choose the date each month when you want the payment to come out of your bank account — this can be any day between the 1st and the 28th.
You can choose to pay your full statement balance, a fixed dollar amount, or your minimum payment. If you choose to pay the full balance automatically, your payment will adjust each month based on what you owe. If you set a fixed amount, make sure it is at least your minimum payment to avoid late fees.
You can change or cancel automatic payments at any time through your account. Synchrony will send you a reminder email a few days before each automatic payment is scheduled to process.
Paying by phone
Call the customer service number on the back of your Synchrony Amazon card. A representative will ask for your account number and verify your identity. You can then tell them the amount you want to pay.
Payments by phone can be made with a bank account (routing and account number) or a debit card number. The representative will confirm the payment amount and when it will post. Phone payments typically post within one to two business days.
Phone payments are useful if you have questions about your account or need help understanding your statement, since you can speak to a representative directly. However, they take longer than online payments and you may wait on hold.
Paying by mail
Write a check payable to Synchrony Bank and include your account number on the check itself. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address and is used only for mailed payments.
Mail payments take 7 to 10 business days to arrive and post to your account. Because of this delay, mail payments should be sent at least two weeks before your due date to avoid a late fee. If your payment arrives after the due date, you will be charged a late fee even if the delay was caused by the mail.
Keep a copy of your check or take a photo of it before mailing as proof of payment.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Synchrony will charge a late fee. The amount of the late 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 may result in a higher fee.
A late payment also appears on your credit report and can lower your credit score. It stays on your report for seven years. If you miss a payment, contact Synchrony as soon as possible — sometimes they will waive a single late fee if you have a good payment history and can pay when ready.
If you are having trouble making your payment, call Synchrony to discuss your options. They may be able to work out a payment plan or temporarily lower your interest rate.
Understanding your statement and due date
Your Synchrony statement shows your statement period (usually one month), your current balance, your minimum payment due, and your statement due date. The due date is the last day Synchrony will accept a payment without charging a late fee.
Your statement balance includes all purchases, fees, and interest charges from your statement period. If you only pay the minimum, the rest of your balance will carry over to the next month and you will be charged interest on it. Paying your full balance each month avoids interest charges.
You can view your statement online at mysynchrony.com or request a paper copy by mail. Paper statements take longer to arrive, so online viewing is faster if you need to check your due date quickly.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online payments made through mysynchrony.com typically post within one business day. Payments made by phone or debit card may also post the same day or within one business day. Mail payments take 7 to 10 business days to arrive and then post. Bank account (ACH) payments are usually fastest.
Can I pay my Synchrony Amazon card through Amazon's website?
No. You must pay through Synchrony directly, either at mysynchrony.com, by phone, by mail, or through automatic payments. Amazon does not process payments for Synchrony cards. Paying through Amazon's site will not credit your Synchrony account.
What if I pay more than I owe?
Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, or you can request a refund. To request a refund, call Synchrony or log into your account and request one through the payment section.
Can I set up automatic payments with a credit card instead of a bank account?
No. Automatic payments must come from a bank account (ACH transfer). One-time payments can be made with a debit card or bank account, but recurring automatic payments are only available through bank account transfers.
What should I do if my payment was rejected?
If your bank account or debit card payment is rejected, Synchrony will notify you by email or phone. Common reasons include insufficient funds, an expired card, or a closed bank account. Update your payment method and try again. If you do not make a payment by your due date, you will be charged a late fee.