Where to send your Amazon credit card payment
You pay your Amazon credit card through Synchrony Bank, the company that issues and manages the card on Amazon's behalf. Synchrony is not Amazon itself — this matters because you send payments to Synchrony's address or portal, not to Amazon.com. The fastest way is online through your Synchrony account, which you can reach at mysynchrony.com or through the Synchrony mobile app.
If you prefer to mail a check, the address appears on your monthly statement under "Payment Address" — it changes depending on which Synchrony processing center handles your account, so always use the address on your current bill rather than a saved address. Do not send payment to Amazon's corporate address; it will be delayed or returned.
Key Takeaways
- Pay your Amazon credit card online at mysynchrony.com, by phone at the number on your statement, or by mailing a check to the address printed on your bill.
- Payments made online or by phone usually post within one business day; mailed checks take five to seven business days to clear.
- Your due date appears on your statement, and late fees begin if payment arrives after that date, even if you mail it on time.
- You can set up automatic payments from your bank account to avoid missing a due date.
- Paying more than your minimum due reduces interest charges on any balance you carry month to month.
Online and phone payment methods
The online portal at mysynchrony.com is the most direct route. Log in with the username and password you created when you opened the account, or create an account if you have not already. Once logged in, select "Make a Payment," choose the amount you want to pay, and confirm your bank account or debit card information. Synchrony will show you the date the payment will post — usually the next business day if you pay before 8 p.m. Eastern time.
You can also pay by phone by calling the number on the back of your card or on your statement. A representative will walk you through entering your payment amount and bank details. Phone payments process the same way as online payments and post within one business day.
The Synchrony mobile app offers the same features as the website. read it from your phone's app store, log in with your Synchrony credentials, and follow the same steps as the online portal.
Mailed check payments and timing
If you mail a check, write the check to Synchrony Bank and include your account number on the check itself. Mail it to the payment address on your statement — this address is specific to your account and changes based on where Synchrony processes payments. Using an old address or a generic Synchrony address will delay your payment.
Mailed checks typically take five to seven business days to arrive and clear. Your due date is set by Synchrony and appears on your statement; if the check does not clear by that date, you will be charged a late fee even if you mailed it on time. For this reason, mail payments at least ten days before your due date to leave a buffer.
Automatic payments to avoid missed due dates
You can set up automatic payments through mysynchrony.com so that Synchrony withdraws money from your bank account on a date you choose each month. Log in, go to "Manage Auto Pay," and enter your bank account details and the payment amount. You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum due.
Automatic payments post on the date you select, so choose a date after you know your paycheck has arrived but before your due date. If you set it for the due date itself and your bank account does not have enough money, the payment will fail and you will be charged a late fee. Setting it a few days before the due date gives you a safety margin.
You can change or cancel automatic payments anytime through your account, but remember that canceling means you are responsible for making manual payments on time.
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, and the late payment will appear on your credit report, which can lower your credit score.
If you realize you will miss a due date, contact Synchrony before the date passes. Explain your situation — some representatives can defer a payment by a few days or waive a single late fee if you have a clean payment history. Calling ahead does not may provide relief, but it is better than letting the payment fail silently.
Paying more than the minimum to reduce interest
Your statement shows a minimum payment due, but paying only the minimum means you will pay interest on any remaining balance. If you carry a balance from month to month, paying more than the minimum reduces the amount of interest you owe and gets you out of debt faster.
For example, if you have a $1,000 balance and your interest rate is 20 percent annually, paying only the minimum (usually 1 to 3 percent of your balance) means you will pay hundreds of dollars in interest over time. Paying $200 or $300 per month instead cuts that interest sharply. You can pay any amount you want — there is no penalty for paying early or paying more than required.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. Amazon does not process payments for the Amazon credit card. You must pay through Synchrony Bank at mysynchrony.com, by phone, or by mail. Some Amazon accounts show a payment option in your account settings, but it redirects you to Synchrony.
What if I pay online but the payment does not show up right away?
Online and phone payments usually post within one business day. If you paid before 8 p.m. Eastern time, check your account the next business day. If it still has not posted after two business days, contact Synchrony to confirm the payment went through. Keep your confirmation number from when you made the payment.
Can I pay my Amazon credit card with another credit card?
Synchrony does not accept credit card payments directly. You can pay with a debit card or bank account transfer through their website or app. Paying a credit card with another credit card through a third-party service usually costs a fee and is not recommended.
What if I want to pay off my entire balance at once?
Log into mysynchrony.com and select "Make a Payment." Choose "Pay Full Statement Balance" or enter the full amount shown on your statement. This pays everything you owe and stops interest from building on that balance going forward.
Is there a fee to pay my Amazon credit card?
No. Synchrony does not charge a fee for making a payment online, by phone, or by mail. The only charges you will face are late fees if payment arrives after the due date, or interest if you carry a balance.