You can pay your Amazon credit card through your Amazon account, by phone, or by mail — the fastest route is logging into your Amazon account and selecting "Make a Payment" from the card settings.
The Amazon credit card is issued by Chase, so you have multiple ways to send money. Most people pay through Amazon.com itself because the option sits right where they shop. You can also pay through Chase's website or mobile app, by phone to Chase's customer service line, or by mailing a check. The method you choose affects how fast the payment posts and whether you can set it to happen automatically.
Your payment due date appears on your monthly statement and on your Amazon account. Payments made before that date keep you current. If you miss the due date, Chase charges a late fee and reports the missed payment to credit bureaus, which can lower your credit score. Paying at least the minimum amount due stops late fees, but paying your full balance stops interest charges on any balance you carry.
Key Takeaways
- Log into your Amazon account, go to "Your Account," select "Login & security," then find your credit card and choose "Make a Payment" to pay directly through Amazon.
- You can also pay through Chase.com, the Chase mobile app, or by calling Chase customer service at the number on your statement to make a one-time payment or set up automatic payments.
- Payments made online or by phone typically post within one to two business days, while mailed checks take five to seven business days to arrive and process.
- Setting up automatic payments ensures you never miss your due date, though you can choose to pay the full balance, the minimum amount, or a fixed amount each month.
- Your payment due date is listed on your monthly statement and in your Amazon account; paying after that date triggers a late fee and may harm your credit score.
Paying Through Your Amazon Account
The most direct route is through Amazon.com. Sign in to your account, go to "Your Account" in the top right corner, and select "Login & security." Scroll down to find your Amazon credit card listed under payment methods. Click on the card, then select "Make a Payment." Amazon will show your current balance, minimum payment due, and due date. Enter the amount you want to pay and confirm.
This method works for one-time payments only — you cannot set up recurring automatic payments through Amazon's website. If you want the payment to happen automatically each month, you will need to use Chase's website or app instead. Payments made through Amazon typically post to your account within one to two business days.
Paying Through Chase Online or Mobile App
You can also manage your Amazon credit card through Chase directly. Go to Chase.com, log in with your username and password, and select your Amazon credit card from the list of accounts. Click "Make a Payment" and enter the amount. This route gives you the same speed as paying through Amazon — one to two business days — but it also lets you set up automatic payments.
To set up automatic payments through Chase, go to the payment screen and select "Set up automatic payment" instead of making a one-time payment. You can choose to pay your full balance each month, your minimum payment, or a fixed dollar amount. Chase will deduct the payment on your due date each month. If you change your mind, you can cancel automatic payments anytime through the same screen.
The Chase mobile app works the same way. read the app, log in, select your Amazon credit card, and tap "Make a Payment." The app shows the same options as the website, including the ability to set up or manage automatic payments.
Paying by Phone or Mail
If you prefer to pay by phone, call the number on the back of your credit card or on your monthly statement. A Chase representative will ask for your account number and the amount you want to pay. You can pay with a debit card, bank account, or another credit card. Phone payments typically post within one to two business days, the same as online payments.
You can also mail a check to the address listed on your statement. Write your account number on the check and mail it to the address provided. Mailed payments take longer — usually five to seven business days to arrive, plus another day or two to process. Because of this delay, mail a check at least ten days before your due date to avoid a late fee.
Understanding Your Due Date and Late Fees
Your payment due date is printed on your monthly statement and displayed in your Amazon account. This is the date by which Chase must receive your payment to avoid a late fee. If your payment arrives after this date, Chase charges a late fee, which typically ranges from $25 to $40 depending on your account history. A late payment also gets reported to credit bureaus and can lower your credit score.
Paying at least your minimum amount due by the due date keeps you current and avoids late fees. However, if you carry a balance (meaning you do not pay your full statement balance), Chase charges interest on the remaining amount. The interest rate for the Amazon credit card varies based on your creditworthiness and current market rates. To avoid interest charges, pay your full balance each month.
Automatic Payments vs. One-Time Payments
Setting up automatic payments removes the risk of forgetting your due date. Through Chase's website or app, you can choose to pay your full balance, your minimum payment, or a set dollar amount automatically each month on your due date. This is useful if you want a hands-off approach or if you tend to forget payment important date.
One-time payments give you more control over when and how much you pay each month. You might choose this option if your income varies, if you want to pay more than the minimum some months, or if you prefer to review each payment before it goes through. You can make one-time payments through Amazon, Chase, by phone, or by mail.
You can switch between automatic and one-time payments anytime. If you set up automatic payments and later decide you want to pay manually, log into Chase and cancel the automatic payment. If you are paying manually and want to switch to automatic, set up the automatic payment through Chase and it will begin on your next due date.
What Happens if You Cannot Pay on Time
If you cannot pay by your due date, contact Chase as soon as possible. Explain your situation — job loss, medical emergency, or other hardship. Chase may be willing to work with you, though they are not required to. Some options they might offer include a temporary lower payment, a payment plan, or a hardship program that pauses interest charges for a set period.
If you miss a payment, the late fee appears on your next statement. After 30 days past due, the missed payment gets reported to credit bureaus. After 60 days, Chase may increase your interest rate. After 180 days, Chase may charge off the account, meaning they write it off as a loss and may sell the debt to a collection agency. The sooner you contact Chase and catch up on payments, the less damage to your credit.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
You can pay by phone using another credit card, but paying online through Amazon or Chase does not accept credit card payments — only bank accounts or debit cards. Paying a credit card with another credit card also typically triggers a cash advance fee, which is usually higher than a regular purchase fee, so this is not a cost-effective option.
How long does it take for my payment to show up?
Online and phone payments typically post within one to two business days. Mailed checks take five to seven business days to arrive, plus another day or two to process. If you are close to your due date, pay online or by phone to may support it posts on time.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account. Chase will explore this credit to your next statement balance. If you want a refund instead, contact Chase and request one — they will mail you a check or credit your bank account, though this takes several weeks.
Can I set up automatic payments for a specific dollar amount?
Yes. Through Chase's website or app, you can choose to pay a fixed amount each month instead of your full balance or minimum payment. This is useful if you want to pay down your balance gradually or if you prefer consistent monthly payments.
What if I lose my credit card or cannot access my account?
Call Chase at the number on your statement or on Chase.com. A representative can take a payment over the phone without needing your card or online access. You will need your account number and a way to verify your identity.