Pay your Amazon credit card through your bank account, the Amazon website, or by mail
You can pay your Amazon credit card bill in three main ways: online through your bank's bill pay system, directly through Amazon's payment portal, or by mailing a check. The fastest and most common method is paying online through Amazon's website or mobile app, which takes a few minutes and posts within one to two business days. Your payment due date appears on your statement, and you can pay the full balance, make a partial payment, or pay the minimum amount due.
The card is issued by either Chase or Synchrony Bank depending on which Amazon credit card you hold — the Amazon Prime Rewards Visa Signature Card or the Amazon Rewards Visa Card are issued by Chase, while the Amazon Business Prime Card is issued by Synchrony. Knowing your issuer matters because it determines which website you log into to make a payment.
Key Takeaways
- Chase-issued Amazon cards are managed through Chase.com or the Chase mobile app, while Synchrony-issued cards are managed through Synchrony.com or their mobile app.
- You can pay online, by phone, by mail, or through your bank's bill pay system, and online payments typically post within one to two business days.
- Your minimum payment and due date appear on your monthly statement, and you can set up automatic payments to avoid missing a due date.
- Late payments trigger a fee and can raise your interest rate, so paying by the due date matters even if you cannot pay the full balance.
Pay online through Chase (for Chase-issued Amazon cards)
If you have the Amazon Prime Rewards Visa Signature Card or the Amazon Rewards Visa Card, your card is issued by Chase. Log into your Chase account at Chase.com or open the Chase mobile app on your phone. Select your Amazon credit card from the list of accounts, then click "Make a Payment" or the payment button.
Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment date (same-day payments may have a small fee; standard payments post within one to two business days). Review the details and confirm the payment. You will see a confirmation number on screen and receive an email receipt.
If you prefer to pay by phone, call the number on the back of your card. A representative can process your payment over the phone and tell you your current balance and due date.
Pay online through Synchrony (for Synchrony-issued Amazon cards)
If you have the Amazon Business Prime Card, your card is issued by Synchrony. Go to Synchrony.com and log into your account, or use the Synchrony mobile app. Find your Amazon card in your account list and select "Make a Payment."
Enter the payment amount and choose your payment date. Synchrony processes payments within one to two business days for standard payments. Confirm the payment and save your confirmation number. You can also call the number on the back of your card to pay by phone with a representative.
Set up automatic payments to avoid missed due dates
Both Chase and Synchrony allow you to schedule automatic payments so you never miss a due date. Log into your account on Chase.com or Synchrony.com, find the automatic payment or autopay section, and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month.
Select the date you want the payment to come out — many people choose a date shortly after they receive their paycheck or a few days before the due date. Once you set it up, the payment will happen automatically each month. You can change or cancel automatic payments anytime by logging back into your account.
Automatic payments reduce the risk of late fees and interest charges, which happen if your payment arrives after the due date shown on your statement.
Pay by mail if you prefer not to pay online
You can mail a check or money order to your card issuer. Your statement includes a payment coupon with the mailing address. Write your account number on the check, include the coupon, and mail it to the address shown.
Mail payments take longer to reach the issuer — typically five to seven business days depending on postal service speed. To make sure your payment arrives by the due date, mail it at least one week early. Keep a copy of the check or take a photo of it for your records.
Pay through your bank's bill pay system
Most banks offer a bill pay feature that lets you schedule payments to any company, including your credit card issuer. Log into your bank's website or mobile app, go to bill pay, and add your credit card issuer (Chase or Synchrony) as a payee if you have not already.
Enter the payment amount and the date you want it sent. Your bank will mail a check on your behalf or send the payment electronically, depending on the payee. This method works well if you prefer to manage all your bills in one place, though it takes the same amount of time as mailing a check yourself.
Understand what happens if you miss a payment
If your payment does not arrive by the due date, your card issuer will charge a late fee (the amount varies but typically ranges from $25 to $40 for the first late payment). A late payment also appears on your credit report and can raise your interest rate, sometimes significantly.
If you realize you will miss the due date, contact your card issuer when ready — Chase or Synchrony may be able to waive a late fee if you have a good payment history and call before the payment is reported as late. Paying as soon as you can after the due date is still important, even if you cannot pay the full balance.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. You cannot pay your credit card bill through Amazon.com or your Amazon account. You must pay through Chase.com, Synchrony.com, or by phone, mail, or your bank's bill pay system. This is true even though the card is branded with the Amazon name.
How long does it take for my payment to show up?
Online payments through Chase or Synchrony typically post within one to two business days. Same-day payments are available but may have a fee. Payments by mail take five to seven business days, so mail your payment at least a week before the due date to avoid a late fee.
What is the difference between the minimum payment and the full balance?
The minimum payment is the smallest amount you must pay to avoid a late fee — usually 1 to 3 percent of your balance. Paying only the minimum means you carry the rest of your balance forward and pay interest on it. Paying the full balance means you owe no interest the following month.
Can I change my payment due date?
Yes. Log into your Chase or Synchrony account and look for the option to change your statement closing date or due date. You can usually move it to a date that works better with your paycheck or budget. Changes take effect on your next statement.
What if I want to pay more than my balance?
You can pay more than your current balance, and the extra amount becomes a credit on your account. Your next statement will subtract new purchases from that credit. Some people do this to build up a buffer, though it is not necessary.