You can pay your Amazon credit card bill online through your Chase account, by phone, by mail, or automatically each month
The Amazon credit card is issued by Chase, so you pay it the same way you would pay any Chase credit card. You have four main routes: logging into your Chase online account and paying directly, calling Chase's payment line, mailing a check, or setting up automatic payments from your bank account. The fastest and most common method is online through Chase's website or mobile app, where you can see your balance and make a payment in minutes.
Which method you choose depends on what works for your routine. If you want to avoid late fees and interest charges, you need to pay at least the minimum amount by the due date shown on your statement. Paying the full balance each month means you avoid interest entirely — a significant advantage if you're using the card for rewards but not carrying a balance.
Key Takeaways
- Log into your Chase account online or through the Chase mobile app to see your balance and pay when ready without fees.
- Call Chase at the phone number on the back of your card to make a payment by phone using your bank account or debit card.
- Mail a check to the address shown on your statement, but allow 7 to 10 business days for it to reach Chase and post to your account.
- Set up automatic payments through your Chase account so a fixed amount or your full balance pays on the same day each month.
- Paying your full balance by the due date avoids interest charges and protects your credit score from late-payment damage.
Paying online through Chase's website or app
Go to Chase.com and sign in with your username and password. If you do not have an online account yet, you can create one using your card number and other identifying information. Once you are logged in, select your Amazon credit card from your accounts list, and you will see your current balance, minimum payment due, and the due date.
Click the option to make a payment. You can pay the full balance, the minimum amount, or any amount in between. Enter the amount you want to pay and confirm the payment method — usually a bank account you have already linked to your Chase account. The payment typically posts within one business day if you pay before the cutoff time (usually 8 p.m. Eastern Time). The Chase mobile app works the same way and is often faster if you are paying from your phone.
Paying by phone
Call the number on the back of your Amazon credit card. A Chase representative will ask for your card number and the amount you want to pay. You can pay using your checking or savings account (you will need to provide your routing and account numbers), or you can pay with a debit card. Payments made by phone before 8 p.m. Eastern Time typically post the next business day.
Phone payments are useful if you do not have online access or prefer speaking to someone, but they take longer than online payments because you have to wait on hold. There is no fee to pay by phone.
Paying by mail
Write a check for the amount you owe and mail it to the address shown on your statement. Do not send cash. Include your account number on the check so Chase can match the payment to your account. Mail takes 7 to 10 business days to arrive, so send your check at least two weeks before your due date to avoid a late payment.
Mailing a check is the slowest option and carries the risk that it will arrive after your due date, triggering a late fee and interest charges. Use this method only if you do not have online access or a bank account linked to your Chase account.
Setting up automatic payments
Log into your Chase account online and go to the payments section. Look for the option to set up automatic payments or recurring payments. You can choose to pay your full balance, a fixed dollar amount, or your minimum payment on a date you select each month. Most people choose the full balance so they never carry interest.
Once automatic payments are set up, the payment comes out of your linked bank account on the same day each month. This removes the risk of forgetting a payment and triggering a late fee. You can change or cancel automatic payments anytime through your Chase account, and you should review your statements each month to make sure the payment went through.
What happens if you miss a payment
If your payment does not arrive by the due date, Chase will charge you a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment damages your credit score and stays on your credit report for seven years. If you are more than 30 days late, Chase will report it to the credit bureaus.
If you realize you will miss a due date, contact Chase when ready. You may be able to negotiate a waived fee or a short extension, especially if you have a good payment history. Paying as soon as possible after the due date is better than not paying at all, but it does not erase the late fee or the credit damage.
Paying more than the minimum to reduce interest
If you are carrying a balance on your Amazon credit card, paying only the minimum means you will pay interest on the remaining balance. The interest rate (called the APR) varies based on your creditworthiness but is typically between 16% and 24% for credit cards. Paying more than the minimum each month reduces the balance faster and saves you money in interest.
For example, if you owe $2,000 and pay only the minimum of $25 per month at 20% APR, it will take you years to pay off the balance and you will pay hundreds of dollars in interest. Paying $100 per month instead cuts the payoff time and interest charges significantly. The fastest way to reduce interest is to pay your full balance each month, which means you pay zero interest.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com instead of Chase?
No. Amazon does not process payments for the credit card itself. You must pay through Chase using one of the four methods described above. Amazon's website may have a link to Chase's payment portal, but the actual payment happens through Chase, not Amazon.
Is there a fee to pay my credit card bill?
No. Chase does not charge a fee for paying your bill online, by phone, or by mail. If you use a third-party payment service or pay through a bill-pay service that charges a fee, that fee comes from you, not from Chase.
How long does it take for a payment to show up on my account?
Online and phone payments typically post within one business day if made before the cutoff time. Mailed checks take 7 to 10 business days. Automatic payments post on the date you set them up. Check your account online to confirm the payment posted before assuming it did not go through.
What if I pay more than I owe?
The extra amount becomes a credit on your account that Chase will explore to your next statement. You can also request that Chase send you a refund check for the overpayment, though this takes longer than letting it sit as a credit.
Can I change my payment due date?
Yes. Log into your Chase account, go to account settings, and look for the option to change your statement closing date or payment due date. Chase typically allows you to move your due date by a few days, which can help you align it with your payday or other bills.