Pay your Amazon credit card bill online, by phone, or by mail
You can pay your Amazon credit card through your credit card issuer's website or app — not through Amazon itself. The issuer depends on which Amazon card you hold. The Amazon Prime Rewards Visa Signature Card and the Amazon Prime Rewards Visa Card are issued by Chase, while the Amazon Business Prime American Express Card is issued by American Express. Each issuer has its own payment portal, and you can set up a one-time payment or automatic monthly payments through any of them.
The fastest way to pay is through your issuer's website or mobile app. You can make a payment in minutes without calling anyone. If you prefer to pay by phone or mail, both options are available, though they take longer to process.
Key Takeaways
- Chase issues the two main Amazon Prime Rewards cards, while American Express issues the Amazon Business Prime card — each has its own payment website.
- You can pay online through your issuer's portal, by phone, or by mailing a check, and payments typically post within one to three business days.
- Setting up automatic payments ensures you never miss a due date, though you can still make extra payments anytime.
- Your minimum payment and due date appear on your monthly statement and in your online account.
Pay online through Chase or American Express
Log into your credit card account on Chase.com (for Amazon Prime Rewards cards) or AmericanExpress.com (for the Amazon Business Prime card). Once you are signed in, look for a "Make a Payment" or "Pay Now" button — it is usually on the account overview page or in the main menu. Enter the amount you want to pay and confirm the payment method (bank account or debit card). The payment posts within one to three business days.
You can pay the full balance, the minimum payment, or any amount in between. Paying more than the minimum reduces the interest you owe if you carry a balance. If you want to avoid logging in each month, both Chase and American Express let you set up automatic payments from a bank account, and you can choose to pay the full statement balance, a fixed amount, or the minimum payment each month.
Pay by phone
Call the customer service number on the back of your card. A representative will ask for your account number and the amount you want to pay, then confirm the payment method. You will need a bank account or debit card ready. Payments made by phone typically post within one to three business days, the same as online payments.
Calling takes longer than paying online, but it is useful if you have questions about your balance or need help setting up a payment plan. Keep the confirmation number the representative gives you in case you need to reference the payment later.
Pay by mail
Write a check or money order and mail it to the address shown on your monthly statement. Include your account number on the check. Mail payments take seven to ten business days to arrive and process, so send your payment at least two weeks before your due date to avoid a late fee.
Mailing a payment is the slowest option and carries the risk that your check could be lost in transit. Use this method only if you do not have online access or a bank account linked to your card.
Set up automatic payments to avoid missing a due date
Both Chase and American Express let you schedule automatic payments from a linked bank account. Log into your account, find the "Automatic Payments" or "Recurring Payments" section, and choose your payment amount and due date. You can set it to pay the full statement balance each month, a fixed dollar amount, or just the minimum payment.
Automatic payments remove the risk of forgetting a payment and triggering a late fee. You can still make extra payments anytime without affecting your automatic payment schedule. If your balance changes or you want to pause automatic payments temporarily, you can adjust or cancel them through your account at any time.
Understand your statement and due date
Your monthly statement shows your current balance, minimum payment due, and the due date. The due date is usually 21 to 25 days after your statement closes. If you pay at least the minimum by the due date, you avoid a late fee. However, if you carry a balance from month to month, you will owe interest on the unpaid amount — paying the full balance each month avoids interest charges entirely.
You can view your statement and due date online through your issuer's website or app, or wait for the paper statement to arrive by mail. Setting a phone reminder a few days before your due date is a straightforward way to make sure you do not miss it, especially if you are not using automatic payments.
What to do if you cannot pay on time
If you think you will miss your due date, contact your issuer before the date passes. Chase and American Express both have hardship programs that may let you defer a payment, lower your interest rate temporarily, or set up a payment plan. Calling the number on the back of your card is the fastest way to discuss your options.
Paying late triggers a late fee (usually $25 to $40 for the first late payment) and can damage your credit score. If you have already missed a payment, contact your issuer when ready to discuss what comes next and whether a payment plan is available.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. Amazon does not process payments for the credit card itself. You must pay through Chase.com or AmericanExpress.com, depending on which card you hold. You can view your rewards and account details on Amazon, but payments go through your card issuer.
How long does it take for a payment to show up?
Online and phone payments typically post within one to three business days. Mail payments take seven to ten business days to arrive, plus a few more days to process. Always send a mailed payment at least two weeks before your due date to be safe.
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 your issuer. Most people let the credit sit and use it to offset the next month's balance.
Can I set up automatic payments for just part of my balance?
Yes. When you set up automatic payments, you can choose to pay the full statement balance, a fixed dollar amount, or the minimum payment. You can change this anytime through your account.
What if my payment was rejected?
A payment is usually rejected because the bank account or debit card on file is closed, expired, or has insufficient funds. Log into your account, update your payment method, and try again. If the issue persists, call your issuer to troubleshoot.