Three ways to pay your Amazon credit card
You can pay your Amazon credit card through your Amazon account, by phone with Chase customer service, or by mailing a check to Chase. The fastest method is logging into your Amazon account and paying directly — the payment posts within one business day. Phone and mail payments take longer but work if you do not have online access or prefer not to use the website.
Your payment due date appears on your statement and in your Amazon account. Paying by the due date avoids a late fee. If you pay less than the full balance, you will owe interest on the remaining amount at your card's APR, which varies by creditworthiness.
Key Takeaways
- Log into your Amazon account, go to "Login and security," select your card, and choose "Make a payment" to pay online in minutes.
- Call Chase customer service at the number on the back of your card to make a payment by phone without creating an online account.
- Mail a check to the address listed on your statement; allow 7 to 10 business days for the payment to reach Chase and post to your account.
- Paying by your due date prevents late fees; paying less than the full balance means you will owe interest on what remains.
- Set up autopay in your Amazon account to have a fixed amount or your full balance withdrawn automatically each month.
Paying online through your Amazon account
Open Amazon.com and sign in with your email and password. Click on your account name in the top right corner and select "Login and security." Scroll down to find your Amazon credit card listed under "Your cards." Click on the card and select "Make a payment."
Enter the amount you want to pay — you can pay any amount from your minimum payment up to your full balance. Review the payment date (it usually posts the next business day) and confirm. The payment is complete once you see a confirmation number on screen.
If you do not see your card listed, you may need to add it first. Select "Add a card," enter your card number and expiration date, and follow the prompts. Once added, you can make payments the same way.
Paying by phone with Chase
Call the number on the back of your Amazon credit card. A Chase representative will answer and ask for your card number or the phone number associated with your account. Have your statement or card in front of you so you can provide this information quickly.
Tell the representative the amount you want to pay. They will confirm the payment date and provide a confirmation number. Phone payments typically post within one to two business days. Keep the confirmation number for your records.
You do not need an online account or password to pay by phone, which makes this option useful if you have trouble logging in or do not want to use the website.
Paying by mail
Write a check for the amount you want to pay. On the memo line, write your card number (the last four digits are enough). Include a copy of your statement or write your card number on a separate piece of paper so Chase can match the payment to your account.
Mail the check to the address printed on your statement under "Payment Address" or "Make Checks Payable To." Do not send the check to an Amazon address — it must go to Chase. Allow 7 to 10 business days for the check to arrive and post to your account. If your payment is due soon, mail it at least two weeks early to avoid a late fee.
Setting up automatic payments
Log into your Amazon account and go to "Login and security." Select your Amazon credit card and choose "Autopay settings." You can set autopay to pay your full balance each month, a fixed dollar amount, or your minimum payment.
Choose the date each month when you want the payment to come out of your bank account. The payment will happen automatically on that date, so you do not have to remember to pay. You can change or cancel autopay anytime by returning to the same menu.
Autopay is useful if you want to avoid late fees or if you prefer not to think about your payment each month. If you set it to pay your full balance, you will not owe any interest.
What happens if you miss a payment
If your payment is not received by the due date, Chase charges a late fee. The amount depends on your balance — typically $25 to $35 for the first late payment. A second late payment within six months costs more. Late fees appear on your next statement.
A late payment also shows up on your credit report and can lower your credit score. The impact is largest in the first 30 days after the due date. If you miss a payment, pay as soon as you realize it — paying late is better than not paying at all, and the damage to your score decreases over time.
If you are having trouble making your payment, call Chase before the due date. Representatives can sometimes work with you on timing or discuss options if you are facing hardship.
Understanding your statement and due date
Your statement shows your balance, minimum payment, and due date. The due date is always the same day each month — for example, the 15th or the 25th. You must pay by 5 p.m. Eastern Time on that date to avoid a late fee.
Your statement also shows your APR (annual percentage rate), which is the interest rate you pay on any balance you do not pay off. The APR for Amazon credit cards varies based on your credit score and creditworthiness. You can see your current APR in your Amazon account or on your statement.
If you carry a balance from month to month, interest is calculated daily on the unpaid amount. Paying your full balance each month means you owe no interest.
Frequently Asked Questions
How long does it take for my payment to show up?
Online payments through Amazon typically post within one business day. Phone payments take one to two business days. Mailed checks take 7 to 10 business days. If you are close to your due date, pay online or by phone to make sure the payment arrives on time.
Can I pay my Amazon credit card bill from a different bank account?
Yes. When you set up autopay or make a one-time payment online, you can link any bank account you own. Chase will ask for your routing number and account number. You can also pay by phone or mail without linking any account.
What is the minimum payment and do I have to pay it?
Your minimum payment is listed on your statement — usually 1 to 3 percent of your balance. You must pay at least the minimum by the due date to avoid a late fee. Paying only the minimum means you will owe interest on the rest of your balance.
Can I pay more than my balance?
Yes. If you pay more than you owe, the extra amount becomes a credit on your account. You can use the credit toward future purchases or request a refund by calling Chase.
What if I pay my bill early?
Paying early is always fine and does not hurt you. Your due date is the latest you can pay without a late fee, but you can pay anytime before that. Paying early reduces the interest you owe if you are carrying a balance.