How to delete an Amazon credit card
You can close an Amazon credit card through your Amazon account online, by phone with Chase customer service, or by mail. The fastest method is logging into your Amazon account, going to Your Account > Login & Security > Manage your payment methods, finding the card, and selecting the option to remove it. If you want to close the entire credit line rather than just remove the card from your account, you'll need to call Chase directly at the number on the back of your card — Amazon's website only removes the card from your shopping profile, not the account itself.
The difference matters for your credit. Removing a card from Amazon leaves the credit account open with Chase. Closing the account entirely stops new charges but keeps the account history on your credit report, which can help your credit score long-term. If you're closing because of high interest rates or annual fees, closing the account makes sense. If you're just switching to a different payment method for Amazon purchases, removing the card from your account is simpler and doesn't affect your credit history.
Key Takeaways
- Removing a card from your Amazon account through Your Account > Login & Security > Manage your payment methods only stops using it for Amazon purchases — the credit account stays open with Chase.
- Closing the entire Amazon credit card account requires calling Chase at the number on your card, since Amazon's website cannot close the account itself.
- Closing a credit account can lower your credit score slightly because it reduces your available credit, even though the account history remains on your report.
- If you have an unpaid balance, you must continue making payments to Chase after closing, whether you close through Amazon or by phone.
- Paying off the full balance before closing avoids interest charges and makes the closing process simpler.
Removing the card from your Amazon account
Log into Amazon.com and go to Your Account in the top right corner. Select Login & Security, then scroll to the Payment options section and click Manage your payment methods. Find the Amazon credit card you want to remove and click the X or Delete button next to it. Amazon will ask you to confirm the removal. Once confirmed, the card is no longer stored in your Amazon account and cannot be used for purchases there.
This step takes about two minutes and does not close your credit account with Chase. You can still use the physical card elsewhere, and Chase will continue to report the account to credit bureaus. Your credit limit remains available if you need it, and you'll still receive statements from Chase. This is the right choice if you're straightforward switching to a different payment method for Amazon but want to keep the credit line open.
Closing the entire credit account with Chase
To close the Amazon credit card account completely, call the customer service number on the back of your card. Have your account number and Social Security number ready. Tell the representative you want to close the account. They will confirm your identity, review any outstanding balance, and process the closure. The entire call usually takes 5 to 10 minutes.
Chase will send you a confirmation letter in the mail within 7 to 10 business days. Keep this letter for your records. After closure, you cannot make new charges on the card, but you must continue paying any remaining balance according to the terms Chase sets. If you have a zero balance at the time of closure, the account closes when ready with no further payments due.
What happens to your credit when you close the account
Closing a credit card account can lower your credit score by a small amount, usually 5 to 10 points, because it reduces your total available credit. This affects your credit utilization ratio — the percentage of your total credit limit that you're currently using. If you have other credit cards with balances, closing this account makes those balances represent a larger percentage of your remaining available credit, which can hurt your score temporarily.
The account history itself stays on your credit report for seven years after closure, which actually helps your score over time because it shows a long history of on-time payments. The initial dip from closing is usually temporary. Your score typically recovers within a few months as long as you continue paying other accounts on time. If you're planning to explore for a mortgage or car loan soon, closing a credit card right before the process can work against you.
Handling an outstanding balance
If you have a balance remaining on the card when you close it, you must continue making payments to Chase. The account closure does not erase the debt. Chase will send you monthly statements showing the remaining balance and minimum payment due. You can pay by mail, phone, or through Chase's online portal — you don't need the physical card to make payments.
Interest will continue to accrue on the remaining balance at the rate in your card agreement unless you have a promotional rate that hasn't expired. Paying off the balance as quickly as possible saves money on interest. If you're closing because of high interest rates, ask Chase if they can lower your rate before you close — sometimes they will negotiate to keep the account open. If they won't, paying the balance down aggressively after closure is your best option.
Reactivating a closed account
If you close your Amazon credit card and later change your mind, you can sometimes reactivate it by calling Chase. Whether they will reactivate depends on how long ago you closed it and your account history. Accounts closed within the last 30 days are usually reactivatable. After 30 days, Chase may refuse to reopen it, though some customers report success calling and asking. There is no may provide, so don't count on reactivation as a backup plan.
If Chase won't reactivate your account, you can explore for a new Amazon credit card, but you'll go through the full process process again, including a hard inquiry on your credit report. This is another reason to be certain about closing before you call Chase.
Frequently Asked Questions
Does removing the card from Amazon close the credit account?
No. Removing the card from your Amazon account only stops it from being stored in your Amazon profile. The credit account with Chase remains open, your credit limit stays available, and Chase continues reporting it to credit bureaus. To close the account itself, you must call Chase.
Will closing the card hurt my credit score?
Closing a credit card typically lowers your score by 5 to 10 points because it reduces your available credit. The impact is usually temporary. Your score recovers within a few months if you keep other accounts in good standing. The account history stays on your report for seven years, which helps your score long-term.
What if I have a balance when I close the account?
You must continue paying Chase until the balance is zero. Closing the account does not erase the debt. Interest continues to accrue at your card's rate unless you have an active promotional offer. You can pay by mail, phone, or through Chase's website without the physical card.
Can I use the physical card after removing it from Amazon?
Yes, if you only removed it from your Amazon account. The card still works everywhere else until you close the account with Chase. If you close the entire account, the card becomes inactive and cannot be used anywhere.
How long does it take to close the account after I call Chase?
The closure is processed when ready during your call. You'll receive a confirmation letter in the mail within 7 to 10 business days. The account stops accepting new charges right away, but you must continue paying any remaining balance.