Pay your Amazon credit card through your Amazon account, by phone, or by mail
You can make a payment on your Amazon credit card in three ways: through your Amazon account online, by calling the card issuer's customer service line, or by mailing a check. The fastest and most common method is logging into your Amazon account and paying directly from there. Payments typically post within one business day when you pay online.
Your Amazon credit card is issued by either Chase Bank or Synchrony Bank, depending on which card you hold. The card type determines which customer service number you call and which online portal you use to manage your account. Knowing which issuer holds your card matters because their payment systems are separate.
Key Takeaways
- Log into your Amazon account, go to Your Account, select Login & Security, then Manage Your Payment Methods to pay online in minutes.
- Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card; Synchrony issues the Amazon Store Card.
- Call Chase at 1-800-227-4825 or Synchrony at 1-866-634-8379 to make a payment by phone with a debit account or checking account.
- Mail a check to the address printed on your monthly statement; include your account number on the check and allow 7 to 10 business days for it to post.
- Set up automatic payments through your issuer's website to avoid late fees and keep your account current without manual effort each month.
Pay through your Amazon account online
Go to Amazon.com and sign into your account. Click on the account icon in the top right corner, then select "Your Account" from the dropdown menu. Look for the section labeled "Login & Security" or "Account Settings," depending on your device.
Find "Manage Your Payment Methods" or "Manage Payment Options." This section shows all payment methods linked to your Amazon account, including your Amazon credit card. Click on the card you want to pay, then select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Confirm the payment, and it will process when ready. Most payments post to your account within one business day.
Determine which issuer holds your card and call their customer service line
Check your credit card statement or the back of your physical card to see which bank issued it. The Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card are issued by Chase. The Amazon Store Card is issued by Synchrony Bank. These are the only three Amazon-branded credit cards currently available.
If you hold a Chase card, call 1-800-227-4825. If you hold the Synchrony Store Card, call 1-866-634-8379. Have your account number and the amount you want to pay ready. The representative will ask which account you want to pay from — you can pay from a checking account or debit card. Payments made by phone typically post within one to two business days.
Mail a check to your card issuer
Write a check for the amount you want to pay. On the memo line, write your full account number so the payment reaches the correct account. Do not include your full Social Security number or other sensitive information on the check itself.
Find the mailing address on your monthly statement under "Payment Address" or "Send Payment To." This address is specific to your account and issuer. Mail your check to that address. Allow 7 to 10 business days for the payment to arrive and post to your account. If you are close to a due date, mail your payment at least two weeks in advance to avoid a late fee.
Set up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. Log into your Chase or Synchrony account online, depending on which card you hold. Look for "Automatic Payments," "AutoPay," or "Recurring Payments" in the account settings.
Choose the payment amount — most people select "Full Balance" to pay off the card completely each month, or "Minimum Payment" to pay only the required amount. Select the date you want the payment to come out each month, ideally a few days after you receive income. Confirm the bank account or debit card you want the payment to draw from. Once set up, the payment will process automatically on your chosen date each month. You can change or cancel automatic payments anytime through the same menu.
Understand what happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, your account will be marked as late. A late fee will be added to your balance — the amount depends on your card's terms but typically ranges from $25 to $40 for the first late payment. Your interest rate may increase, and the late payment will appear on your credit report.
If you realize you will miss a due date, contact your card issuer when ready. Some issuers will waive a single late fee if you call before the payment posts, especially if you have a good payment history. Paying as soon as possible after the due date will limit the damage, but the late payment will still be reported. Setting up automatic payments is the most reliable way to prevent this situation.
Make a payment if you cannot access your online account
If you forget your password or cannot log into your Amazon or card issuer account, call customer service to make a payment by phone. Chase and Synchrony both allow phone payments without logging in — you only need your account number and the bank account or debit card you want to pay from.
If your card is locked or frozen due to suspected fraud, contact the issuer when ready. They can unlock your account or issue a temporary payment authorization so you can make a payment while the fraud investigation is underway. Do not wait to resolve fraud concerns — a frozen account does not stop interest from accruing or due dates from passing.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Credit card issuers do not accept payments from other credit cards. You must pay from a checking account, savings account, or debit card. Paying with another credit card would also trigger cash advance fees and higher interest rates.
How long does it take for a payment to show up on my account?
Online and phone payments typically post within one to two business days. Mailed checks take 7 to 10 business days. The due date does not change based on how long the payment takes to post, so mail payments well in advance to avoid late fees.
What is the minimum payment I have to make?
Your minimum payment is shown on your monthly statement. It is usually 1 to 3 percent of your total balance plus any fees and interest. Paying only the minimum means you will carry a balance and pay interest, but it keeps your account current and avoids late fees.
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 that credit toward future purchases, or contact your issuer to request a refund of the overpayment.
Do I have to pay the full balance every month?
No. You can pay any amount between the minimum payment and the full balance. However, any balance you do not pay will be charged interest at your card's APR, which typically ranges from 16 to 24 percent depending on your creditworthiness.