Call Amazon's card issuer to request cancellation

To cancel an Amazon credit card, you need to call the bank that issues it, not Amazon itself. The issuer is either Chase Bank (for the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Card) or Synchrony Bank (for the Amazon Store Card). You cannot cancel through the Amazon website or app.

Have your card number ready when you call. The bank will confirm your identity, ask why you're canceling, and process the cancellation on the spot. The call typically takes five to ten minutes. Your account closes when ready, though any pending charges may still post for a few days.

If you have an outstanding balance, the bank will not close your account until you pay it off. You can continue making payments on a closed account, so canceling does not prevent you from settling what you owe.

Key Takeaways

  • Chase Bank issues the Amazon Prime Rewards and Amazon Rewards cards; Synchrony Bank issues the Amazon Store Card — call the correct issuer to cancel.
  • You must call the bank directly; there is no online or app-based cancellation option for Amazon credit cards.
  • Canceling closes your account when ready, but pending charges may still post and any balance remains due.
  • The bank may offer you a retention offer (like a statement credit) to keep the card open — you can decline and proceed with cancellation.

Contact information for each Amazon card issuer

Chase Bank (Amazon Prime Rewards Visa Signature and Amazon Rewards Visa): Call 1-800-695-5500. This number is on the back of your card. You can also reach Chase through their website at chase.com, though phone is faster for cancellation.

Synchrony Bank (Amazon Store Card): Call 1-866-634-8379. This number is also printed on the back of your card. Synchrony handles only the Store Card, which works only on Amazon.com and does not earn rewards outside Amazon.

Both banks are open Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday 9 a.m. to 6 p.m. Eastern time. Sunday hours vary. Call during business hours to avoid long wait times.

What happens to your Amazon account and Prime membership

Canceling your Amazon credit card does not close your Amazon shopping account or affect your Prime membership. You can still shop on Amazon and use Prime benefits. You straightforward lose the card as a payment method and stop earning rewards on Amazon purchases.

If you had autopay set up on your Amazon account using this card, you will need to add a different payment method to keep subscriptions active. Check your Amazon account settings under "Your Account" > "Login & Security" > "Payment Options" to remove the card and add a replacement if needed.

Timing and what to do before you cancel

Cancel your card after you have paid off the balance, or be prepared to pay it off shortly after. If you carry a balance, canceling does not erase the debt — you will receive monthly statements and must continue making payments until the balance reaches zero.

Before you call, make a list of any recurring charges tied to this card (subscriptions, memberships, automatic bill payments). Update those to a different payment method so they do not fail. Check your recent statements to see which merchants charged the card regularly.

If you have pending rewards points or cash back, redeem them before canceling. Once the account closes, you may lose access to unredeemed rewards, though some issuers allow redemption for a limited time after closure. Ask the bank representative about your specific rewards balance when you call.

Why the bank might try to keep you from canceling

When you call to cancel, the bank representative may offer you an incentive to stay — typically a statement credit of $50 to $100, a higher rewards rate for a few months, or a waived annual fee. This is called a retention offer. You are not obligated to accept it.

If you want to cancel, straightforward say so. The representative will ask once or twice, but they cannot force you to keep the card. If you are unsure, you can ask for time to think about it and call back later. There is no penalty for declining a retention offer.

Impact on your credit score

Closing a credit card can affect your credit score in two ways. First, it lowers your total available credit, which may raise your credit utilization ratio (the percentage of your credit limit you are using). Second, it removes an account from your credit history, which can lower the average age of your accounts.

The impact is usually small and temporary. Your score may dip a few points when ready after cancellation, but it typically recovers within a few months if you pay other bills on time. If you are planning to explore for a mortgage or large loan soon, you may want to wait a few months after canceling before you explore.

What to do with the physical card after cancellation

After you cancel, cut up the physical card or shred it to prevent fraud. Do not throw it away intact. You do not need to return it to the bank — destroying it is sufficient.

If the card is still active in your digital wallet (Apple Pay, Google Pay, or Amazon Pay), remove it from those services as well. Go to your phone's wallet settings or the app's payment settings and delete the card.

Frequently Asked Questions

Can I cancel my Amazon credit card online?

No. Amazon credit cards can only be canceled by phone. You must call Chase (1-800-695-5500) for the Prime Rewards or Rewards card, or Synchrony (1-866-634-8379) for the Store Card. There is no online or app cancellation option.

What if I have a balance when I cancel?

You can cancel even with a balance. The account closes, but you remain responsible for paying what you owe. You will receive monthly statements and can make payments by mail, phone, or online until the balance is paid off.

Will canceling affect my Amazon Prime membership?

No. Canceling the credit card does not cancel Prime or close your Amazon shopping account. You keep all Prime benefits and can shop normally. You straightforward lose the card as a payment method and stop earning rewards on purchases.

How long does it take for the card to close after I call?

The account closes when ready when you call. However, charges that were already processing may still post to the account for a few days. You will see the closure reflected in your online account within 24 hours.

Can I reopen the card if I change my mind?

Once closed, the account cannot be reopened. If you want the card again, you would need to explore for it as a new account. A new process triggers a hard inquiry on your credit report, so canceling is a permanent decision.