Where to send your Amazon credit card payment
Your Amazon credit card payment goes to Synchrony Bank, not to Amazon itself. Synchrony is the bank that issues the card and manages your account, even though the card carries the Amazon name and you earn rewards on Amazon purchases.
You can pay through three main routes: the Synchrony website, the Amazon app or website (if you have an Amazon Store Card or Prime Visa), or by mailing a check to Synchrony's payment address. The fastest and most reliable method is paying online through your Synchrony account, which posts within one business day.
Key Takeaways
- Synchrony Bank processes all Amazon credit card payments, not Amazon itself, and you can pay online, by phone, or by mail.
- Paying through the Synchrony website or mobile app is the fastest method and typically posts within one business day.
- Your payment due date appears on your monthly statement, and paying at least the minimum by that date avoids late fees and interest charges.
- Setting up automatic payments through Synchrony prevents missed payments and ensures your account stays current.
- If you have an Amazon Store Card or Prime Visa, you can also pay through your Amazon account, though the Synchrony website remains the primary payment portal.
Paying online through Synchrony
Log into your Synchrony account at mysynchrony.com using your username and password. If you do not have an online account yet, you can create one by entering your card number and other identifying information. Once logged in, select "Make a Payment" and choose your payment amount and payment date.
Synchrony accepts payments from a bank account (ACH transfer) or debit card. ACH transfers are free and typically post within one business day. Debit card payments may carry a fee depending on your bank. You can schedule a one-time payment or set up recurring automatic payments for your minimum payment or a fixed amount each month.
Paying through the Amazon app or website
If you carry an Amazon Store Card or Amazon Prime Visa, you can pay your bill directly through your Amazon account. Open the Amazon app or go to amazon.com, navigate to "Your Account," then select "Login & Security" or "Payments." Look for the option to manage your credit card account or view your statement.
From there, you can see your balance and make a payment. However, this route still routes your payment to Synchrony behind the scenes — Amazon does not hold the funds. The payment will post to your Synchrony account within one to two business days. If you do not see a payment option in your Amazon account, use the Synchrony website directly instead.
Paying by phone or mail
You can call Synchrony's customer service line to make a payment by phone. The number appears on your monthly statement and on the back of your card. Have your account number and banking information ready. Payments made by phone typically post within one to two business days.
To pay by mail, send a check to the address listed on your statement under "Payment Address." Do not send payment to Amazon's corporate address — it will not reach Synchrony and will delay your payment. Mail payments take seven to ten business days to post, so send your check well before your due date to avoid late fees.
Understanding your payment due date and minimum payment
Your payment due date appears on your monthly statement, usually 20 to 25 days after your statement closing date. The minimum payment is the smallest amount you must pay to keep your account in good standing and avoid a late fee. Paying only the minimum does not avoid interest charges — interest accrues on any balance you carry past the due date.
If you pay the full statement balance by the due date, you owe no interest. If you pay less than the full balance, interest begins accruing on the remaining balance at your card's APR (annual percentage rate). Late payments trigger a late fee and can damage your credit score, so paying by the due date matters even if you cannot pay the full balance.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to "Manage Payments," and select "Set Up Automatic Payments." You can choose to pay your minimum payment, a fixed dollar amount, or your full statement balance each month on a date you select.
Most people choose to pay the full statement balance automatically to avoid interest charges. If your income varies, you can set automatic payments for the minimum and pay extra manually in months when you have more cash. You can change or cancel automatic payments anytime through your Synchrony account.
What to do if you miss a payment
If your payment does not arrive by the due date, Synchrony charges a late fee (typically $25 to $40 for the first late payment) and reports the late payment to credit bureaus. A single late payment can lower your credit score by 50 to 100 points depending on your credit history.
If you realize you have missed a payment, log into your Synchrony account or call customer service when ready and pay the full amount owed plus the late fee. The sooner you pay, the less damage to your credit. If you have a history of on-time payments, you can sometimes ask Synchrony to waive the late fee as a one-time courtesy, though they are not required to do so.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
If you have an Amazon Store Card or Prime Visa, you can pay through your Amazon account. For other Amazon credit cards, use the Synchrony website directly. Either way, Synchrony processes the payment — Amazon does not hold your funds.
How long does it take for my payment to post?
Online payments through Synchrony typically post within one business day. Phone payments post within one to two business days. Mail payments take seven to ten business days. Schedule mail payments at least two weeks before your due date to be safe.
Is there a fee to pay my Amazon credit card?
ACH transfers (bank account payments) through Synchrony are free. Debit card payments may carry a fee depending on your bank. Phone and mail payments are free. Paying through Amazon.com is free if that option is available for your card type.
What happens if I pay late?
Late payments trigger a late fee (usually $25 to $40) and are reported to credit bureaus, which can lower your credit score. Interest also begins accruing on your balance. Paying as soon as you realize you are late limits the damage.
Can I set up automatic payments for just the minimum?
Yes. Log into Synchrony, go to "Manage Payments," and choose "Minimum Payment" as your automatic payment option. You can still pay extra manually in months when you have more cash available.