Closing an Amazon credit card means removing the card from your wallet and ending the account with the issuer
Closing an Amazon credit card is straightforward, but the exact steps depend on which Amazon card you own — Amazon issues several versions through different banks. The process involves contacting the card issuer directly, paying any remaining balance, and confirming the account is closed. You can close the account by phone, online, or mail, and most issuers will confirm closure in writing within days.
Before you close, understand that closing a credit card can affect your credit score temporarily. Your available credit decreases, which raises your credit utilization ratio (the percentage of your total credit limit you're using). If you have a balance on other cards, this shift can lower your score by a few points. The impact fades over time, especially if you keep other accounts open and in good standing.
Key Takeaways
- Contact the card issuer by phone, online portal, or mail — the method depends on which Amazon card you hold, since different banks issue them.
- Pay off any remaining balance before or during the closure process, as most issuers will not close an account with an outstanding balance.
- Request written confirmation of closure and keep it for your records, since disputes about closed accounts are easier to resolve with proof.
- Closing a card reduces your available credit and may lower your credit score temporarily, so consider keeping the account open if you have no annual fee.
Identify which Amazon card you own
Amazon credit cards are issued by different banks depending on the card type. The most common are the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Store Card, but Amazon has also issued cards through Chase, Synchrony, and other partners. Check your card itself, your billing statements, or your online account to find the issuer's name — it appears on the front or back of the card.
Once you know the issuer, you can contact them directly. If your card says "Chase," you'll call Chase. If it says "Synchrony," you'll contact Synchrony. The issuer's customer service number is on your statement or on the back of the card. This matters because each bank has its own process and confirmation procedures.
Pay off your balance before closing
Most card issuers will not close an account that carries a balance. If you have charges on the card, pay them in full before you request closure. You can make a payment online through your account, by phone with customer service, or by mail — check your statement for payment instructions.
If you have a promotional rate or 0% APR offer, closing the account may end that promotion and trigger interest charges on the remaining balance. Read your cardholder agreement or call customer service to understand what happens to your balance if you close early. In some cases, it's worth keeping the account open until the promotional period ends, even if you don't use the card.
Contact the issuer to close the account
Call the customer service number on the back of your card or on your most recent statement. Tell the representative you want to close the account. They will ask you to verify your identity (usually your Social Security number and card number), confirm there are no pending transactions, and may ask why you're closing. You don't have to give a reason, but some representatives use the feedback to improve their service.
If you prefer not to call, many issuers allow you to close an account through their online portal or mobile app. Log in to your account, look for account settings or account management, and search for a "close account" or "close card" option. Some issuers also accept closure requests by mail — write a letter requesting closure, include your account number and signature, and send it to the address on your statement.
Request written confirmation of closure
Before you hang up or submit your request, ask the representative to send you written confirmation that the account is closed. This confirmation should include your account number, the closure date, and a statement that the account has a zero balance. Write down the representative's name, the date and time of your call, and any confirmation number they provide.
Keep this confirmation for at least a year. If the issuer later reports the account as open or sends you a bill, you'll have proof of closure. Disputes about closed accounts are resolved much faster when you can show documentation. If you close by mail or online, print or save any confirmation page or email you receive.
Monitor your credit report after closure
After closure, check your credit report within 30 to 60 days to confirm the account shows as closed. You can view your credit report free once per year at annualcreditreport.com, which is the official site run by the three major credit bureaus (Equifax, Experian, and TransUnion). The account should appear as "closed by consumer" or "closed at consumer's request."
If the account still shows as open after 60 days, contact the issuer again with your confirmation number and ask them to verify closure with the credit bureaus. Errors on your credit report can be disputed directly with the bureau — each bureau has a dispute process on its website. Correcting the error usually takes 30 days.
Understand the impact on your credit score
Closing a credit card removes that available credit from your total credit limit. If you have a $5,000 limit on the Amazon card and a $10,000 limit on another card, closing the Amazon card drops your total available credit from $15,000 to $10,000. If you carry a $3,000 balance on the remaining card, your utilization ratio jumps from 20% to 30%. Credit scoring models reward lower utilization, so your score may drop by a few points.
This impact is usually temporary. As you pay down balances on your other cards, your utilization improves and your score recovers. If you have no annual fee on the Amazon card and no balance, many people choose to keep the account open and straightforward not use it — this preserves your available credit and avoids the utilization hit. You can always close it later if your situation changes.
Frequently Asked Questions
Will closing my Amazon card hurt my credit score?
Closing a card may lower your score temporarily because it reduces your available credit and raises your utilization ratio. The impact is usually small (a few points) and fades as you pay down other balances. If you have no annual fee, keeping the account open preserves your credit limit and avoids this dip.
What happens to my Amazon Prime rewards if I close the card?
Closing the card does not affect your Amazon Prime membership or any rewards you've already earned. Unspent rewards points may be forfeited depending on your card's terms — check your cardholder agreement or call the issuer to confirm what happens to your points before you close.
Can I close my Amazon card if I still owe money?
Most issuers will not close an account with an outstanding balance. You must pay off the balance first. If you have a promotional rate, closing early may end the promotion and trigger interest on the remaining balance, so call the issuer to understand the terms before you close.
How long does it take to close an Amazon credit card?
The account is typically closed when ready when you request it by phone or online. Written confirmation arrives within 5 to 10 business days. The closure may take longer to appear on your credit report — allow 30 to 60 days before checking to confirm it shows as closed.
What if the issuer won't close my account?
Issuers are required to close accounts when you request it. If a representative refuses or says you must wait, ask to speak with a supervisor. Document the date, time, and representative's name. If the problem persists, file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.