Where to pay your Amazon credit card
You can pay your Amazon credit card through three main routes: the Amazon website or mobile app, the card issuer's website directly, or by phone. The fastest and most common method is logging into your Amazon account, going to "Login & Security," then "Manage Your Credit Cards," and selecting the card you want to pay. From there you can make a one-time payment or set up automatic payments.
If you have an Amazon Rewards Visa card issued by Chase, you can also pay through Chase's website at chase.com by logging into your account and selecting the card. This route is useful if you manage other Chase cards in one place. A third option is calling the customer service number on the back of your physical card — a representative can process a payment over the phone, though this takes longer than online payment.
Key Takeaways
- You can pay through Amazon.com, the card issuer's website (usually Chase), or by phone, and payments typically post within one to two business days.
- Setting up automatic payments on your due date prevents late fees and protects your credit score from missed payments.
- Minimum payments keep your account in good standing but do not reduce interest charges on your balance — paying the full statement balance is the only way to avoid interest.
- If you miss a payment, contact your card issuer when ready, as late fees and credit damage begin after 30 days past due.
How to set up automatic payments
Automatic payments remove the risk of forgetting a due date. On Amazon's payment page, select "Set up automatic payments" and choose whether you want to pay the minimum amount, the full statement balance, or a fixed dollar amount each month. Pick your payment date — most people choose a few days before the due date printed on their statement to may support the payment clears in time.
If you set automatic payments through Chase instead, the process is similar: log in, find the card, and select "Autopay" from the payment options. You can change or cancel automatic payments at any time, and you will receive a confirmation email each time a payment is processed. Automatic payments for the full statement balance are the strongest habit to build, because they mean you never carry a balance and never pay interest.
Payment methods and timing
Amazon and Chase both accept payments from a bank account (checking or savings), a debit card, or another credit card. Payments made before 8 p.m. Eastern Time typically post the same business day; payments made after that time post the next business day. Weekends and holidays may delay posting by one additional day.
If you are paying from an external bank account, allow two to three business days for the transfer to complete if you are using an ACH transfer (the standard free method). Debit card and credit card payments post much faster, usually within hours, but some card issuers charge a fee for paying by credit card — check your card's terms before using this method.
What happens if you miss a payment
If your payment does not arrive by the due date, your account enters a grace period. Most credit card issuers charge a late fee (typically $25 to $40 for a first offense) if payment arrives more than 15 days late. After 30 days past due, the late payment is reported to the three credit bureaus and begins to damage your credit score.
If you realize you have missed a payment, contact your card issuer when ready — either through the app, website, or by phone. Many issuers will waive a single late fee if you call within a few days and have a clean payment history. The longer you wait, the less likely they are to remove the fee. Paying the full amount owed plus any late fees stops additional penalties from accruing.
The difference between minimum and full payments
Your statement shows a minimum payment (usually 1 to 3 percent of your balance) and a due date. Paying the minimum keeps your account in good standing and prevents late fees. However, paying only the minimum means the rest of your balance carries forward to the next month and accrues interest at your card's annual percentage rate (APR).
The Amazon Rewards Visa card typically carries an APR between 16 and 24 percent, depending on your creditworthiness. If you carry a $1,000 balance and pay only the minimum each month, you will pay hundreds of dollars in interest before the balance is gone. Paying the full statement balance each month is the only way to avoid interest charges entirely. If you cannot pay the full balance, paying more than the minimum still reduces the interest you owe.
Paying off a large balance faster
If you have built up a balance you want to clear, make payments larger than the minimum whenever possible. Even an extra $50 or $100 per month significantly reduces the total interest you pay and shortens the time to zero balance. You can make multiple payments in a single month — there is no limit to how many times you can pay.
Some people use a strategy called the "avalanche method": list all their credit card balances from highest interest rate to lowest, then put all extra money toward the highest-rate card while paying minimums on the others. The Amazon card's interest rate is typically in the middle range, so if you have other cards with higher rates, paying those down first saves more money overall. Once the Amazon card is paid off, keep it open and use it for small purchases you pay off monthly — this maintains your credit history and keeps your available credit high.
Frequently Asked Questions
Can I pay my Amazon credit card with Amazon gift cards or store credit?
No. Amazon gift cards and store credit can only be used to purchase items on Amazon.com. You must pay your credit card bill with actual money from a bank account, debit card, or another credit card. The two accounts are separate.
What if I pay more than I owe?
If you overpay, the excess becomes a credit balance on your account. You can use this credit toward future purchases, request a refund to your bank account, or leave it there to cover next month's charges. Contact customer service if you want a refund rather than a credit.
Is there a fee to pay my bill online?
No. Paying through Amazon.com or Chase's website is free. Paying by phone may incur a fee depending on the method — ask the representative before they process the payment. Paying with a credit card (rather than a bank account) may also carry a fee; check your card's terms.
What happens to my rewards if I miss a payment?
Missing a payment does not automatically cancel your rewards, but it can trigger a penalty APR (a higher interest rate) on future purchases. If your account goes 60 days past due, the issuer may close the card and stop earning rewards. Staying current on payments protects both your credit and your ability to earn cash back.
Can I pay my bill before my statement closes?
Yes. Paying before your statement closes reduces the balance that appears on your next statement and the interest you owe. However, the payment will not show up on your credit report until after the statement closes, so it does not affect your reported utilization for that month. Paying after the statement closes but before the due date is what matters for credit reporting.