Amazon credit cards are issued by Chase Bank
Chase Bank (officially JPMorgan Chase & Co.) is the bank that issues all Amazon-branded credit cards in the United States. Chase handles the account opening, payment processing, fraud protection, and customer service for these cards. When you receive an Amazon credit card in the mail, the card itself carries the Chase logo alongside the Amazon branding.
This partnership between Amazon and Chase has been in place since 2009. Chase manages the backend banking operations while Amazon handles the rewards program — the cash back, points, and promotional offers tied to your purchases. Understanding which bank issues your card matters because Chase is who you contact for billing questions, payment issues, account disputes, or if your card is lost or stolen.
Key Takeaways
- Chase Bank issues all Amazon credit cards and manages your account, billing, and payments.
- Amazon controls the rewards program and promotional offers, but Chase controls the credit terms and interest rates.
- You log into your Amazon credit card account through Chase's website or the Chase mobile app, not through Amazon.com.
- Contact Chase customer service for account problems, payment disputes, or fraud — not Amazon customer service.
- The card carries both the Chase and Amazon logos because both companies are involved in different parts of the product.
How to access your Amazon credit card account with Chase
Your Amazon credit card account lives on Chase's website and mobile app, not on Amazon.com. To log in, go to chase.com and select "Credit Cards" from the menu. You will need your Chase username and password — this is separate from your Amazon login, even though the card is Amazon-branded.
If you do not have a Chase online account yet, you can create one during your first login. You will need your card number and Social Security number to set up access. Once you are logged in, you can view your balance, make payments, read statements, set up autopay, and report fraud or unauthorized charges.
The Chase mobile app also lets you manage your Amazon credit card on the go. You can check your balance, make payments, lock or unlock your card temporarily, and get alerts for large purchases or suspicious activity. Many people find the mobile app faster than the website for quick account checks.
What Chase controls versus what Amazon controls
Chase controls the credit side of your card: the interest rate (APR), annual percentage rate for balance transfers, late fees, credit limit decisions, and whether your account is approved or denied. Chase also sets the terms for how long you have to pay your bill and what happens if you miss a payment. These are standard credit card terms that vary based on your credit score and credit history.
Amazon controls the rewards program. That means Amazon decides how much cash back you earn on Amazon purchases, how much you earn on other purchases, whether there are bonus categories, and what promotional offers run each month. Amazon also manages your rewards balance and how you redeem points or cash back. If you have a question about whether a purchase earned the right amount of cash back, that question goes to Amazon — but if you have a question about your interest rate or credit limit, that goes to Chase.
In practice, this split rarely causes confusion because most account questions go to Chase (billing, payments, fraud) and most rewards questions go to Amazon (why did I earn this much, how do I redeem). But knowing the split helps you contact the right company the first time.
Types of Amazon credit cards Chase offers
Chase currently offers several Amazon-branded cards, though the exact lineup changes over time. The most common are the Amazon Prime Rewards Visa Signature Card (for Prime members), the Amazon Rewards Visa Signature Card (for non-Prime members), and the Amazon Business Prime Card (for business accounts). Each card has different cash back rates and annual fees.
You can view all current Amazon credit card options on Chase's website or Amazon.com. The terms, rewards rates, and annual fees are listed clearly before you start the account opening process. Chase also publishes the APR range for each card, though your actual rate depends on your credit score.
How to contact Chase about your Amazon credit card
The phone number for Amazon credit card customer service is printed on the back of your physical card. You can also reach Chase through their website at chase.com or through the Chase mobile app. When you call, have your card number and Social Security number ready.
Chase customer service handles account questions, payment problems, fraud reports, credit limit increases, and billing disputes. If your question is about rewards or how much cash back you earned, the representative may transfer you to Amazon's rewards team, but Chase is the right first contact for any account issue.
You can also dispute a charge through your Chase online account. Log in, find the transaction you want to dispute, and select "Report as Unauthorized" or "Dispute This Transaction." Chase will investigate and typically respond within 10 business days.
Why Chase and Amazon partnered for this card
Chase is one of the largest credit card issuers in the United States and has the infrastructure to manage millions of accounts, process payments, and handle fraud detection at scale. Amazon wanted a credit card partner with that capacity and reputation. For Chase, issuing an Amazon card brings millions of cardholders and billions of dollars in annual spending volume.
This type of partnership is common in the credit card industry. Many retailers and companies partner with large banks to issue branded cards. The bank handles the credit and payments; the company handles the rewards and marketing. It is a division of labor that works well for both sides.
Frequently Asked Questions
Can I manage my Amazon credit card through Amazon.com instead of Chase?
No. Your account is managed through Chase, not Amazon. You log in at chase.com or use the Chase mobile app. Amazon.com shows your rewards balance and lets you redeem points, but all account management, payments, and billing go through Chase.
What if I have a problem with my Amazon credit card and call Amazon customer service?
Amazon customer service can help with rewards questions, but they will direct you to Chase for account issues, payments, or billing problems. It is faster to contact Chase directly for those questions. You can find the Chase customer service number on the back of your card.
Does Chase charge an annual fee for the Amazon credit card?
It depends on which Amazon card you have. Some Amazon credit cards have no annual fee, while others charge a fee (usually waived the first year). Check the specific card's terms on Chase's website or your cardholder agreement to see what applies to your card.
If my Amazon credit card is lost or stolen, who do I call?
Call Chase when ready using the number on the back of your card or at chase.com. Chase will freeze your account and send you a replacement card. You can also lock your card temporarily through the Chase mobile app without canceling it.
Is my Amazon credit card account the same as my regular Chase checking account?
No. Your Amazon credit card account is separate from any other Chase accounts you may have. You may be able to link them for bill pay or transfers, but they are managed as separate accounts with separate logins and balances.