The fastest way to pay your Amazon card is through your Amazon account or by calling the card issuer directly
You can pay your Amazon credit card balance in three main ways: through your Amazon account online, by phone with the card issuer, or by mailing a check. The online method is fastest — you can make a payment in minutes and see it post within one to two business days. If you carry a balance month to month, you are paying interest, and the sooner you pay, the less interest you owe.
The card issuer depends on which Amazon card you hold. Amazon issues some cards itself (the Amazon Store Card), while others are issued by Chase (the Amazon Prime Rewards Visa, the Amazon Business Prime Rewards Visa, and others). Knowing your issuer matters because the payment portal and phone number differ.
Key Takeaways
- You can pay through your Amazon account, by phone with your card issuer, or by mailing a check, and online payments usually post within one to two business days.
- Amazon Store Cards are issued by Amazon; most other Amazon-branded cards are issued by Chase, and each has a different payment portal and customer service number.
- Paying more than the minimum each month reduces the interest you owe, and paying the full statement balance avoids interest entirely.
- If you are behind on payments, contact your issuer when ready — most offer hardship programs or payment plans before reporting missed payments to credit bureaus.
Paying through your Amazon account
If your card is an Amazon Store Card or an Amazon-branded card issued by Amazon, you can pay directly through your Amazon account. Sign in to Amazon.com, go to Your Account, select Login & Security, and look for the credit card management section. From there you can view your balance, statement, and payment options.
Enter the amount you want to pay and choose your payment method — usually a bank account or another card. Amazon will show you the expected posting date before you confirm. This method works only for cards Amazon itself issues; if your card is issued by Chase, you will need to use Chase's payment portal instead.
Paying through Chase (for Chase-issued Amazon cards)
Most Amazon credit cards — including the Amazon Prime Rewards Visa and the Amazon Business Prime Rewards Visa — are issued by Chase. To pay these cards, log in to Chase.com or use the Chase Mobile app, find your Amazon card account, and select "Make a Payment."
You can pay from a bank account, schedule a future payment, or set up automatic payments. Chase also lets you pay by phone at the number on the back of your card. Payments made before 8 p.m. Eastern time on a business day usually post the next day.
Understanding minimum payments versus paying off the balance
Your statement shows a minimum payment — often $25 or a small percentage of what you owe, whichever is higher. Paying only the minimum keeps your account in good standing, but you will owe interest on the remaining balance. Amazon credit cards typically carry interest rates between 16% and 24% depending on your creditworthiness and current market rates.
If you owe $1,000 and pay only the minimum each month, you could spend months paying it off and owe hundreds in interest. Paying more than the minimum shrinks both the balance and the interest. Paying the full statement balance by the due date means you owe no interest at all.
What to do if you are behind on payments
If you have missed a payment or are struggling to pay, contact your card issuer when ready — do not wait for a second notice. Call the number on the back of your card. Explain your situation honestly: job loss, medical emergency, unexpected expense. Many issuers offer hardship programs that temporarily lower your payment, reduce your interest rate, or freeze late fees while you catch up.
A missed payment will be reported to credit bureaus after 30 days and will damage your credit score. Calling before that important date gives you a real chance to work out a plan. If you cannot pay the full amount, even a partial payment shows good faith and may prevent the account from being reported as delinquent.
Setting up automatic payments to stay on track
Both Amazon and Chase let you set up automatic payments from your bank account. You can choose to pay a fixed amount each month, the minimum payment, or the full statement balance automatically on a date you select. Automatic payments eliminate the risk of forgetting a due date and triggering a late fee or missed-payment report.
Set the payment to arrive a few days before your due date to account for processing time. If your income varies month to month, you can set the automatic payment to cover the minimum and then make extra payments by hand when you have the money.
Paying off the card faster with a balance transfer or personal loan
If you owe a large balance and the interest rate is eating into your budget, you have two other options to consider. A balance transfer moves your Amazon card balance to another credit card, often one offering 0% interest for 6 to 21 months. You will pay a transfer fee (usually 3% to 5% of the amount transferred), but if you can pay off the balance during the interest-free period, you save money overall.
A personal loan from a bank or online lender lets you borrow a lump sum at a fixed interest rate and fixed repayment term. Personal loan rates are often lower than credit card rates, especially if your credit score has improved since you opened the Amazon card. The tradeoff is that you lose the flexibility of a credit card and commit to a set monthly payment for a set number of months.
Frequently Asked Questions
How long does it take for an Amazon credit card payment to post?
Online payments through Amazon or Chase usually post within one to two business days. Payments made by phone may post the same day if made before the cutoff time (typically 8 p.m. Eastern). Mailed checks take seven to ten business days and should be sent at least two weeks before your due date to avoid a late payment.
Can I pay my Amazon credit card with another credit card?
No, neither Amazon nor Chase accepts credit card payments for credit card balances. You can pay only with a bank account, debit card, or check. Paying a credit card with another credit card through a third-party service counts as a cash advance and triggers fees and higher interest rates.
What happens if I pay late?
A payment 30 or more days late will be reported to credit bureaus and will lower your credit score. You will also owe a late fee (usually $25 to $40) and your interest rate may increase. Paying as soon as you realize you are late limits the damage, and calling your issuer may get the late fee waived if it is your first miss.
Do I have to pay the full balance, or can I pay part of it?
You can pay any amount between the minimum and the full balance. Paying more than the minimum reduces your interest charges and gets you out of debt faster. You only owe interest on the portion of the balance you do not pay off each month.
Is there a penalty for paying off my Amazon card early?
No. Credit cards have no prepayment penalty. You can pay off the entire balance whenever you want without any fee or consequence. Paying early saves you interest and improves your credit score by lowering your credit utilization ratio.