Pay your Amazon credit card through your Amazon account, by phone, or by mail
You can pay your Amazon credit card bill in three ways: online through your Amazon account, by phone with a customer service representative, or by mailing a check. The online method is fastest and shows your payment when ready. Phone payments take a few minutes and work if you prefer speaking to someone. Mail payments take 7 to 10 business days to reach the payment processor, so send them well before your due date.
Your Amazon credit card is issued by either Chase Bank or Synchrony Bank, depending on which card you hold. The card type determines which payment method works best and where your payment goes. Knowing your issuer before you pay saves time and prevents sending money to the wrong place.
Key Takeaways
- Log into your Amazon account, go to Your Account, and select the credit card to pay it online in minutes.
- Call the phone number on the back of your card to make a payment by phone; have your account number and payment amount ready.
- Mail payments should be sent to the address printed on your billing statement, and allow 7 to 10 business days for processing.
- Your payment due date appears on your billing statement; paying by the due date avoids late fees and interest charges.
- Set up automatic payments through your Amazon account if you want the same amount paid on the same day each month.
Pay online through your Amazon account
Log into Amazon.com with your username and password. Click on the account icon in the top right corner and select "Your Account" from the dropdown menu. Look for a section labeled "Memberships and subscriptions" or "Payment options" — the exact name varies by account type.
Find your credit card listed under payment methods. Click on the card or a link that says "Manage" or "Pay now." Enter the amount you want to pay and confirm the payment method (usually a bank account or another card). Review the amount and due date, then submit. Amazon shows a confirmation number when ready, and the payment posts to your account within one business day.
If you do not see your credit card in your Amazon account, you may have a store card that is not linked to your regular Amazon login. In that case, contact the card issuer directly using the number on the back of your card.
Pay by phone
Call the customer service number printed on the back of your credit card. A representative will ask for your account number, the amount you want to pay, and the payment method (usually a bank account). Have your billing statement or card in front of you so you can provide these details quickly.
Phone payments are processed when ready, though the funds may take one business day to show in your account. The representative will give you a confirmation number — write it down in case you need to reference the payment later. Phone lines are typically open during business hours, Monday through Friday, and sometimes on weekends; the back of your card lists the exact hours.
Pay by mail
Write a check or money order for the amount you owe. Write your account number on the check in the memo line. Include a copy of your billing statement or write your account number and payment amount on a separate piece of paper so the payment processor can match it to your account.
Mail the check to the address shown on your billing statement under "Payment Address" or "Send Payment To." Do not mail it to an Amazon warehouse or store location. Mail payments take 7 to 10 business days to arrive and be processed, so send your payment at least two weeks before your due date to avoid a late fee.
Keep a copy of the check or a photo of it for your records. If your payment does not appear in your account after 10 business days, call the number on the back of your card with your check number and mailing date.
Set up automatic payments
Log into your Amazon account and go to "Your Account." Find your credit card under payment methods and look for an option to "Set up automatic payments" or "Autopay." Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month.
Select the day of the month you want the payment to come out — most people choose a day shortly after they get paid or before their due date. Confirm the bank account or payment method the money will come from. Once set up, the payment happens automatically each month on that date.
You can change or cancel automatic payments anytime by going back to the same section in your Amazon account. If you cancel, you will need to make manual payments again to avoid missing your due date.
What to do if you miss a payment
If your payment is late, you will be charged a late fee and your interest rate may increase. The amount of the late fee depends on your card terms, but it is typically $25 to $35 for the first late payment. Contact the card issuer when ready by calling the number on the back of your card.
Explain that you want to make a payment right away. Many issuers will waive a single late fee if you pay within 30 days and have a good payment history. Ask the representative whether they can remove the fee as a courtesy. Even if they cannot, paying when ready stops additional fees from building up.
Understand your billing statement and due date
Your billing statement arrives by mail or email (depending on your preferences) and shows your balance, due date, and minimum payment. The due date is the last day you can pay without triggering a late fee. Payments made on the due date are considered on time.
Your statement also shows the payment address for mail payments and the phone number for phone payments. If you have set up automatic payments, your statement will show the date and amount of your next scheduled payment. Review your statement each month to make sure the amount is correct and catch any unauthorized charges.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Credit card issuers do not accept payments from other credit cards because it increases fraud risk and creates debt cycles. You can pay with a debit card, bank account, or check. If you do not have a bank account, ask the card issuer about other payment methods.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or request a refund by calling the number on the back of your card. Refunds typically take 5 to 7 business days to reach your bank account.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Mail payments take 7 to 10 days to post. Log into your Amazon account or call the card issuer to check your current balance and see when your payment was received.
Can I change my due date?
Yes. Call the number on the back of your card and ask a representative to move your due date to a different day of the month. Most issuers allow you to change it once per year, though some allow more frequent changes. A new due date usually takes effect on your next billing cycle.
What if I want to pay off my balance early?
You can pay any amount at any time without penalty. Paying early reduces the interest you owe and helps you pay off the card faster. Use any of the three payment methods — online, phone, or mail — and specify the amount you want to pay.