Pay your Amazon credit card bill online through your cardholder account or by phone

You can pay your Amazon credit card in three main ways: through your online account, by phone, or by mail. The fastest method is logging into your cardholder portal and making a payment directly — this takes a few minutes and posts within one business day. If you prefer to call, Amazon's customer service can process a payment over the phone. Mailing a check is slower but works if you don't have online access.

Your payment method depends on which Amazon credit card you hold. Amazon offers two versions: the Amazon Prime Rewards Visa Card (issued by Chase) and the Amazon Store Card (issued by Synchrony). Each has its own payment portal and phone number. Knowing which card you have before you start will save you time.

Key Takeaways

  • Log into your cardholder account online to pay in minutes; the payment posts within one business day.
  • The Amazon Prime Rewards Visa Card and Amazon Store Card have separate payment systems because different banks issue them.
  • You can call the customer service number on the back of your card to pay by phone without logging in.
  • Set up automatic payments through your cardholder portal to avoid missing a due date.
  • Mailing a check takes seven to ten business days to post, so send it at least two weeks before your due date.

Pay online through your cardholder account

Go to the payment portal for your specific card. If you have the Amazon Prime Rewards Visa Card, visit the Chase credit card login page at creditcards.chase.com. If you have the Amazon Store Card, go to the Synchrony login page at mysynchrony.com. Both sites ask for your username and password — if you don't have an account yet, you'll need to create one using your card number and personal information.

Once you're logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. Enter the amount you want to pay (you can pay the full balance, the minimum payment, or any amount in between) and confirm your payment method — most people use a bank account or debit card. Review the details and submit. You'll see a confirmation number on screen; take a screenshot or write it down for your records.

Payments made before 8 p.m. Eastern Time on a business day typically post the next business day. If you pay after 8 p.m. or on a weekend, it will post the following business day. You don't need to wait for the payment to post before you can use your card again.

Pay by phone

Call the customer service number on the back of your credit card. This number connects you directly to the issuer — Chase for the Prime Rewards card, Synchrony for the Store Card. A representative will ask for your account number and the last four digits of your Social Security number to verify your identity.

Tell the representative the amount you want to pay and which bank account or debit card you'd like to use. They'll process the payment over the phone and give you a confirmation number. Write down this number and the date and time of the call. Phone payments post within one to two business days.

This method works well if you don't have online access or prefer speaking to someone, but it does require you to share your banking information verbally. If you're uncomfortable with that, use the online portal instead.

Set up automatic payments to avoid late fees

Both Chase and Synchrony let you schedule recurring payments from your cardholder account. Log in to your portal, find the "Automatic Payments" or "Recurring Payments" section, and choose how much you want to pay each month — the full balance, the minimum payment, or a fixed amount. Select the date you want the payment to come out (usually a few days before your due date is safest).

Automatic payments remove the risk of forgetting a due date, which means you won't face late fees or damage to your credit score. You can change or cancel automatic payments anytime through your account, so there's no lock-in. If your balance varies month to month, set it to pay the full balance automatically so you never carry interest.

Pay by mail

Write a check to the card issuer and mail it to the address printed on your statement. The envelope should have a return address on it — use that. Include your account number on the check itself (write it in the memo line). Mail it at least two weeks before your due date because checks take seven to ten business days to arrive and process.

This method is slow and outdated, but it's an option if you have no internet access and can't call. Keep a copy of the check or take a photo of it before you mail it, so you have proof of payment if something goes wrong.

What to do if you can't pay the full balance

You can pay any amount — the minimum payment, a partial payment, or the full balance. Paying only the minimum keeps your account in good standing and avoids late fees, but you'll owe interest on the remaining balance. Interest rates for Amazon credit cards vary but typically range from 18% to 24% annually, depending on your creditworthiness and current market rates.

If you're struggling to pay, contact your card issuer's customer service line before your due date. Some issuers offer hardship programs or temporary payment plans if you explain your situation. It's better to call and ask than to miss a payment, which will hurt your credit score.

Understand your due date and grace period

Your due date appears on your monthly statement and is usually the same date each month. You have a grace period — typically 21 to 25 days from the end of your billing cycle — to pay without owing interest on purchases. If you pay after the due date, you'll owe a late fee (usually $25 to $40 for the first late payment) and interest will start accruing on your balance when ready.

Your statement also shows the minimum payment required. This is the smallest amount you can pay to stay current, but paying only the minimum means you'll owe interest and take much longer to pay off your balance. Paying the full balance each month avoids interest entirely.

Frequently Asked Questions

How long does it take for a payment to show up?

Online and phone payments post within one to two business days. Mailed checks take seven to ten business days to arrive, plus another day or two to process. If you're close to your due date, use online or phone payment instead of mail.

Can I pay my Amazon credit card through Amazon.com?

No. Amazon.com does not have a payment portal for your credit card bill. You must go to Chase (for the Prime Rewards card) or Synchrony (for the Store Card) to pay. This is because Amazon doesn't issue the card — the banks do.

What happens if I miss a payment?

You'll owe a late fee (usually $25 to $40) and interest will start accruing on your balance. Missing a payment also reports to the credit bureaus and can lower your credit score. If you miss a payment by more than 30 days, your interest rate may increase.

Can I pay more than the minimum?

Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. Many people pay the full balance each month to avoid interest altogether.

Is there a fee to pay my credit card bill?

No. There is no fee to pay your Amazon credit card through the issuer's website, by phone, or by mail. If you use a third-party payment service or wire transfer, that service may charge a fee, but the card issuer itself does not.