Where to log in for Amazon credit card payments
You log in to pay your Amazon credit card through the Synchrony Bank portal, not through Amazon.com itself. Synchrony Bank is the company that issues the Amazon Rewards Visa Card and the Amazon Business Prime Rewards Visa Card. When you open your statement or need to make a payment, you go to Synchrony's website, not Amazon's.
The login page is at mysynchrony.com. You'll enter your username and password there — the same credentials you set up when you first opened your card account. If you've never logged in before, you'll need to create an account before you can see your balance or make a payment.
You can also call Synchrony's customer service line at the number on the back of your physical card. A representative can help you log in, answer questions about your account, or process a payment over the phone if you prefer not to use the website.
Key Takeaways
- Amazon credit card payments are made through Synchrony Bank's website at mysynchrony.com, not through Amazon.com.
- You need a username and password to log in; if you don't have one yet, you'll create it the first time you visit the site.
- Payments can be made online through the portal, by phone with a Synchrony representative, or by mail using the payment coupon on your statement.
- Your payment typically posts within one to three business days of being processed.
Setting up your Synchrony login for the first time
If you've never logged into your Amazon credit card account before, you'll need to register. Go to mysynchrony.com and look for a link that says "Register" or "Create Login." You'll be asked to provide your card number, Social Security number, and date of birth to verify your identity.
After Synchrony confirms who you are, you'll create a username and password. Write these down somewhere safe — you'll use them every time you log in to check your balance or make a payment. Some people use a password manager to store this information securely.
Once your login is set up, you can log in when ready and see your current balance, recent transactions, and available credit. You can also set up automatic payments from this screen if you want your bill paid on the same date each month.
How to make a payment after logging in
After you log in to mysynchrony.com, look for a button or link labeled "Make a Payment" or "Pay Now." Click it, and you'll see your current balance and the amount due. You can choose to pay the full balance, the minimum payment, or a custom amount.
Next, you'll select where the payment should come from. Most people pay from a checking or savings account by entering their bank's routing number and their account number. You can also pay with a debit card if your bank account information isn't handy. Synchrony will ask you to confirm the payment method before processing it.
After you submit the payment, you'll see a confirmation number on the screen. Write this down or take a screenshot — it's your proof that the payment was processed. The money usually leaves your bank account within one to three business days.
Payment methods and timing
You have three main ways to pay your Amazon credit card bill. The fastest and most common is online through mysynchrony.com, where payments post within one to three business days. You can also call the number on the back of your card and pay over the phone with a representative — this also takes one to three business days to post.
The third option is to mail a check. Write your account number on the check, include the payment coupon from your statement, and mail it to the address printed on that coupon. Mailed payments take longer because of postal delivery time, so plan ahead if you use this method.
If you want to avoid logging in each month, you can set up automatic payments from the Synchrony website. You choose the date and the amount — either the full balance, the minimum payment, or a fixed amount — and Synchrony will pull the payment from your bank account on that date every month.
What to do if you forget your login information
If you forget your username or password, go to mysynchrony.com and look for a "Forgot Username" or "Forgot Password" link on the login page. Click it, and Synchrony will ask you to verify your identity using your card number, Social Security number, and date of birth.
After you verify who you are, Synchrony will either email you a temporary password or let you create a new one right away. Check your email (including spam and promotions folders) for any messages from Synchrony. If you don't receive anything within a few minutes, try the password reset again or call the customer service number on the back of your card.
Troubleshooting common login problems
If you're having trouble logging in, first check that you're on the correct website: mysynchrony.com. Some people accidentally go to Amazon.com or a similar-sounding site and can't find the login page. Bookmark the Synchrony website so you go to the right place each time.
If the website is loading slowly or won't load at all, try clearing your browser's cache and cookies, then reload the page. If you're still having trouble, try a different web browser or device. Sometimes a temporary glitch on your computer or phone can prevent the site from loading properly.
If you see an error message saying your username or password is incorrect, double-check that you're typing them correctly — passwords are case-sensitive, meaning capital letters matter. If you're sure you're typing it right, use the "Forgot Password" link to reset it. If problems continue, call Synchrony's customer service line on the back of your card and speak with a representative who can help troubleshoot.
Setting up automatic payments to avoid late fees
Automatic payments are one of the easiest ways to make sure your bill gets paid on time. After you log in to mysynchrony.com, look for a section called "Automatic Payments," "AutoPay," or "Recurring Payments." Click it and you'll be asked to choose a payment date and an amount.
Most people choose to pay the full balance on the same date each month — often a few days after they get paid. You can also set it to pay just the minimum if you prefer, though paying the full balance saves you interest charges. Once you set it up, Synchrony will automatically pull the payment from your bank account on that date every month until you cancel it.
You can change or cancel automatic payments anytime by logging back into your account. If you need to pause payments for a month, you can do that too. Just remember that if you cancel automatic payments, you'll need to pay manually or you might miss your due date.
Frequently Asked Questions
Is mysynchrony.com the same as Amazon.com for credit card payments?
No. Amazon credit cards are issued by Synchrony Bank, so you pay through Synchrony's website at mysynchrony.com, not through Amazon.com. Amazon.com does not handle credit card payments for the Amazon Rewards card.
Can I pay my Amazon credit card bill through the Amazon app?
No. The Amazon app does not have a payment feature for the Amazon credit card. You must go to mysynchrony.com in a web browser or call Synchrony's customer service number on the back of your card to make a payment.
How long does it take for a payment to show up after I submit it online?
Online payments typically post within one to three business days. Payments submitted on a weekend or holiday may take longer because banks don't process transactions on those days. If you need to pay by a specific due date, submit your payment at least three business days before that date.
What happens if I miss a payment?
If you miss your due date, Synchrony will charge a late fee and may report the missed payment to credit bureaus, which can lower your credit score. If you realize you've missed a payment, log in and pay as soon as possible. Call Synchrony if you need to discuss your account or ask about hardship options.
Can I change my automatic payment date if I get paid on a different schedule?
Yes. Log into mysynchrony.com, find your automatic payment settings, and update the payment date to match when you receive your paycheck. You can change it anytime without penalty.