You can pay your Amazon credit card through your Amazon account, the Synchrony Bank website, or by phone — the method depends on which card you hold and how you prefer to pay.
The Amazon credit card is issued by Synchrony Bank, not Amazon itself. This means your payment options depend on whether you have the Amazon Prime Rewards Visa Card, the Amazon Prime Store Card, or the Amazon Store Card. Each has slightly different payment routes, though all funnel through Synchrony's systems in the end.
The fastest way for most cardholders is to log into your Amazon account and pay directly from there. If you prefer to work outside Amazon, you can also pay through Synchrony's website or call their payment line. Mailed checks are still accepted if you need that option.
Key Takeaways
- Amazon Prime Rewards Visa and Store Card payments can be made through your Amazon account, Synchrony's website, or by phone to Synchrony Bank.
- You will need your card number and account information to pay through Synchrony directly, but your Amazon login works if you pay through your Amazon account.
- Payments made online or by phone typically post within one business day, though mailed checks take seven to ten business days.
- You can set up automatic monthly payments through either Amazon or Synchrony to avoid missing a due date.
- Late fees and interest charges begin when ready after your due date, so confirm your payment posted before that date arrives.
Paying through your Amazon account
Log into your Amazon account and go to "Account" in the top right corner. Select "Your Account," then scroll down to find "Manage Your Amazon Credit Card" or "Manage Your Store Card." Click on the card you want to pay.
You will see your current balance, due date, and a button to make a payment. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Amazon will ask you to confirm the payment method (usually the bank account or debit card linked to your Amazon account) and the payment date. The payment will post to Synchrony within one business day.
This method works for the Amazon Prime Rewards Visa Card and both versions of the Amazon Store Card. It is the simplest route if you already use Amazon regularly.
Paying through the Synchrony Bank website
Go to Synchrony Bank's payment portal at mysynchrony.com. Enter your card number and PIN or create a login if you do not have one. Once you are logged in, you will see your account summary with your balance and due date.
Click "Make a Payment" and enter the amount. Synchrony will ask you to choose a payment method — you can pay from a checking or savings account (which takes one business day), or you can pay by debit card (which posts when ready). Confirm the payment date and submit.
Paying through Synchrony directly gives you more control over the exact payment date and lets you see your account details outside of Amazon. This is useful if you want to check your balance or payment history without logging into Amazon.
Paying by phone
Call Synchrony Bank's customer service line at 1-866-634-8379. Have your card number and the amount you want to pay ready. A representative will confirm your identity, verify the payment amount, and process the payment over the phone.
Phone payments are processed when ready and post within one business day. This method works if you do not have internet access or prefer to speak with someone directly. Synchrony's phone lines are open seven days a week.
Paying by mail
You can mail a check to Synchrony Bank. Your statement or billing notice will include the mailing address for payments. Write your card number on the check and mail it to the address shown.
Mailed payments take seven to ten business days to post, so send your check well before your due date to avoid late fees. Include only the check — do not send cash or other documents unless your statement specifically asks for them.
Setting up automatic payments
Both Amazon and Synchrony let you set up automatic monthly payments so you never miss a due date. Through Amazon, go to your card management page, select "Automatic Payments," and choose whether you want to pay the full balance, the minimum, or a fixed amount each month.
Through Synchrony, log into mysynchrony.com, go to "Manage Automatic Payments," and set up a recurring payment from your bank account. You can change or cancel automatic payments at any time, and Synchrony will send you a confirmation email each month before the payment is withdrawn.
Automatic payments are especially useful if you carry a balance and want to make consistent monthly payments without remembering the due date each time.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase, and the missed payment will appear on your credit report after 30 days.
If you realize you will miss the due date, contact Synchrony when ready at 1-866-634-8379. Some cardholders can negotiate a one-time waiver of the late fee if they have a good payment history, though this is not may provide. Paying as soon as possible after the due date will limit the damage to your credit score.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Synchrony does not accept credit card payments for Amazon credit cards. You must pay from a checking or savings account, by debit card, or by mailed check. Paying a credit card with another credit card typically triggers cash advance fees and higher interest rates anyway.
How long does it take for a payment to show up?
Online and phone payments post within one business day. Mailed checks take seven to ten business days. If you pay on a weekend or holiday, the posting date moves to the next business day. Always pay several days before your due date to be safe.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward your next purchase or request a refund by calling Synchrony at 1-866-634-8379. Refunds are mailed as a check and take five to seven business days to arrive.
Can I pay just the interest without paying down the balance?
No. Synchrony requires you to pay at least the minimum payment shown on your statement, which includes principal and interest. You can pay more than the minimum at any time to reduce your balance faster.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online or phone payments. The only fees are late fees (if you miss the due date) and interest on any balance you carry.