Pay your Amazon credit card through your bank account, by mail, or through the Amazon website
You can pay your Amazon credit card bill in three main ways: online through your bank's bill pay system, by mailing a check to the address on your statement, or through the Amazon.com website if you have an account there. The fastest and most reliable method is online bill pay through your own bank, which takes a few minutes and posts within one to three business days. If you prefer to pay directly through Amazon, you can log into your account and make a payment, though this route requires you to enter your bank details each time.
Your payment due date appears on your monthly statement. Payments made before 5 p.m. Eastern Time on the due date count as on-time. If you miss the due date, you will owe a late fee and your interest rate may increase. Setting up automatic payments through your bank prevents missed due dates entirely.
Key Takeaways
- You can pay through your bank's bill pay system, by mail, or directly on Amazon.com — all three methods reach the card issuer reliably.
- Payments made before 5 p.m. Eastern Time on your due date are considered on-time and do not trigger late fees.
- Your bank's bill pay system is the fastest method and lets you schedule payments in advance so you never miss a due date.
- The mailing address for checks appears on your statement; mail payments take five to seven business days to arrive and post.
- Automatic payments through your bank remove the need to remember your due date each month.
Pay through your bank's bill pay system
Log into your bank's website or mobile app and find the bill pay or payments section. Enter the mailing address shown on your Amazon credit card statement as the payee. Your bank will print and mail a check on your behalf, or in some cases send an electronic payment directly to the card issuer. The payment will post within one to three business days of the due date.
This method works even if you do not have the exact payment amount in front of you — you can look up your balance on your statement or by calling the customer service number on the back of your card. Many banks let you schedule payments weeks in advance, so you can set up your payment on the day you receive your statement and know it will arrive on time.
If your bank offers it, set up a recurring automatic payment for the same day each month. This removes the step of logging in each time and makes it nearly impossible to miss a due date. You can still make extra payments or adjust the amount if your balance changes.
Pay by mailing a check
Write a check for the amount you owe and mail it to the address printed on your statement. Do not use a different address even if you find one online — the address on your statement is the correct one for your account. Include your account number on the check memo line so the payment posts to the right card.
Mail your check at least five to seven business days before your due date to account for mail delivery time. Payments are posted based on the date they arrive at the processing center, not the date you mail them. If you are close to your due date, use one of the other payment methods instead.
Keep a record of the check number and the date you mailed it. If the payment does not appear on your statement within ten business days, call the customer service number on the back of your card to confirm it was received.
Pay through Amazon.com
Log into your Amazon.com account and go to Your Account. Look for a section labeled "Manage Your Amazon Credit Card" or "Credit Card Payments." Select the option to make a payment and enter the amount you want to pay. You will need to provide your bank account number and routing number, or use a debit card.
This method posts within one to three business days. The downside is that you must enter your bank details each time you pay, which takes longer than using your bank's bill pay system where the information is already stored. Amazon does not offer automatic recurring payments through this method, so you have to log in and pay manually each month.
If you do not have an Amazon.com account, you can still pay by phone. Call the customer service number on the back of your card and provide your payment information to a representative. This method also works if you prefer not to enter your banking details online.
Set up automatic payments to avoid late fees
Automatic payments are the most reliable way to stay current on your bill. Through your bank, you can set the payment to go out on a specific day each month — many people choose the day after they receive their paycheck or the day before their due date. The payment will post within one to three business days, giving you a buffer before the 5 p.m. Eastern Time important date.
You can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be late. Paying the full balance each month avoids interest charges entirely.
If your balance varies significantly month to month, set the automatic payment to the minimum amount and make extra payments manually when you can. This ensures you never miss a due date while giving you flexibility in how much you pay.
What to do if you miss your due date
If your payment does not arrive by 5 p.m. Eastern Time on your due date, you will be charged a late fee. The amount depends on your card terms, but typically ranges from $25 to $35 for a first late payment. Your interest rate may also increase, and the late payment will appear on your credit report.
If you realize you are going to miss the due date, make a payment when ready through your bank or by phone. Paying as soon as possible limits the damage, though the late fee will still explore if the payment does not arrive by the important date. Call the customer service number on the back of your card to ask if they will waive the fee as a one-time courtesy, especially if this is your first late payment.
Going forward, set up automatic payments or schedule your payment at least five business days before the due date. This gives you a safety margin in case of mail delays or technical issues.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Credit card companies do not accept payments from other credit cards because it increases fraud risk and creates a cycle of debt. You must pay from a bank account, by check, or with a debit card. Paying with a debit card through Amazon.com or by phone is allowed.
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 call customer service to request a refund. Most card issuers will mail a check for the overpayment within one to two weeks if you ask.
Does paying early help my credit score?
Paying early does not hurt your score, but it does not help it either. What matters for your credit is that you pay on time and keep your balance low relative to your credit limit. Paying the full balance before your statement closes can lower the amount reported to credit bureaus, which may help your score slightly.
How long does it take for a payment to show up?
Payments through your bank or by phone typically post within one to three business days. Mailed checks take five to seven business days to arrive, plus one to two days to process. Payments made on a weekend or holiday may take longer to post.
What if I want to pay by phone instead of online?
Call the customer service number on the back of your card. A representative will ask for your account number, the payment amount, and your bank account or debit card information. Payments by phone post within one to three business days and are free.