Pay your Amazon credit card through your Amazon account, by phone, or by mail
You can pay your Amazon credit card bill in three ways: online through your Amazon account, over the phone with a customer service representative, or by mailing a check. The online method is fastest and shows your payment when ready. Phone payments take a few minutes and work if you do not have internet access. Mail payments take 7 to 10 business days to reach the payment processor, so send them early if your due date is near.
Your Amazon credit card is issued by either Chase Bank or Synchrony Bank, depending on which card you hold. The card type determines where you send payments and which portal you use. You can find your card issuer on your billing statement or by logging into your Amazon account.
Key Takeaways
- Log into your Amazon account, go to Your Account > Login & Security > Manage Your Amazon Credit Card, and select your card to pay online in minutes.
- If your card is issued by Chase, you can also pay through Chase.com or the Chase mobile app using your card number.
- If your card is issued by Synchrony, you can pay through Synchrony.com or call Synchrony customer service at the number on your statement.
- Mailed payments should be sent to the address on your billing statement and take 7 to 10 business days to post to your account.
- Set up autopay through your card issuer's website to have your full balance or a fixed amount deducted automatically each month.
Pay online through your Amazon account
Log into Amazon.com with your username and password. Hover over "Account & Lists" in the top right corner and select "Your Account" from the dropdown menu.
Click "Login & Security" on the left side of the page. Scroll down to find "Manage Your Amazon Credit Card" and click it. Select the card you want to pay from the list of cards associated with your account. Click "Make a Payment" or "Pay Now" (the exact wording depends on your card type).
Enter the amount you want to pay. You can pay your full statement balance, the minimum payment, or a custom amount. Review the payment amount and click "Continue" or "Confirm Payment". The payment posts to your account when ready, though it may take one business day to show as cleared on your statement.
Pay through your card issuer's website or app
If your Amazon credit card is issued by Chase, you can pay directly through Chase.com or the Chase mobile app without logging into Amazon. Go to Chase.com, click "Sign In", and enter your online banking username and password. Select your Amazon credit card from your account list and click "Make a Payment".
If your card is issued by Synchrony, visit Synchrony.com and click "Sign In" to access your account. You will need your card number and online banking password. Once logged in, select your Amazon card and choose "Make a Payment".
Both Chase and Synchrony allow you to set up automatic payments through their websites. You can arrange for a fixed amount or your full balance to be deducted on a date you choose each month. This prevents missed payments and late fees.
Pay by phone
Call the customer service number on the back of your credit card. A representative will ask for your card number, the last four digits of your Social Security number, and the amount you want to pay. Payments made by phone post within one business day.
Phone payments are useful if you do not have internet access or prefer to speak with someone. The call typically takes 5 to 10 minutes. You will receive a confirmation number at the end of the call; write it down in case you need to reference the payment later.
Pay by mail
Write a check payable to the card issuer (Chase or Synchrony, depending on your card). Include your account number on the check. Mail it to the address shown on your billing statement under "Payment Address" or "Make Checks Payable To".
Mailed payments take 7 to 10 business days to arrive and be processed. If your due date is within two weeks, do not rely on mail; use an online or phone payment instead. Keep a record of the check number and amount in case you need to track the payment.
Find your due date and minimum payment
Your billing statement shows your due date, current balance, and minimum payment amount. You can view your statement by logging into your Amazon account and going to Your Account > Login & Security > Manage Your Amazon Credit Card, or by logging into your card issuer's website (Chase.com or Synchrony.com).
Payments are due by 5 p.m. Eastern Time on the due date shown on your statement. If you miss the due date, a late fee applies and your interest rate may increase. If you cannot pay the full balance, pay at least the minimum amount to avoid these penalties.
What to do if you have trouble making a payment
If the online payment system is not working, try paying through your card issuer's website instead of Amazon's portal. If that does not work, call the customer service number on the back of your card and make a phone payment. Phone representatives can also help if you are unsure of your balance or due date.
If you are having financial difficulty and cannot pay your bill, contact your card issuer's customer service line. They may be able to discuss payment options or hardship programs, though these vary by issuer and your situation. Do not ignore the bill; contacting your issuer is better than missing payments.
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 because it increases fraud risk. You must pay with a bank account (through online or phone payment), check, or debit card in some cases. Contact your card issuer to ask whether debit card payments are accepted.
How long does it take for my payment to show up?
Online and phone payments post within one business day. Mailed checks take 7 to 10 business days. Your due date does not change based on when the payment posts, so mail payments early if your due date is soon.
What happens if I pay after my due date?
A late fee is added to your account, usually $25 to $40 depending on your card terms. Your interest rate may also increase. If you are more than 30 days late, the late payment may be reported to credit bureaus and affect your credit score.
Can I set up automatic payments so I do not have to pay manually each month?
Yes. Log into your card issuer's website (Chase.com or Synchrony.com) and look for "Autopay" or "Automatic Payments" in the settings menu. You can choose to pay your full balance, a fixed amount, or just the minimum each month on a date you select.
What if I paid my bill but it still shows as unpaid?
Online and phone payments usually post within one business day, but may take longer during weekends or holidays. Check your payment confirmation number and log back into your account after one business day to confirm the payment posted. If it has been more than two business days and the payment still does not show, call customer service with your confirmation number.