The three ways to pay your Amazon credit card bill

You can pay your Amazon credit card through your Amazon account, by phone with the card issuer, or by mail. The fastest and most common method is logging into your Amazon account, going to your credit card settings, and making a payment directly there. You can also call the card issuer's customer service line (the number is on the back of your card) to pay by phone, or mail a check to the address shown on your monthly statement.

Which method you choose depends on how you prefer to manage money and how quickly you need the payment processed. Most people set up automatic payments so they never have to think about it, but you can also make one-time payments whenever you want.

Key Takeaways

  • You can pay through your Amazon account, by phone with the card issuer, or by mailing a check to the address on your statement.
  • Setting up automatic payments ensures you never miss a due date and helps protect your credit score.
  • Payments made through your Amazon account or by phone typically post within one to three business days.
  • You can pay the full balance, the minimum amount, or any amount in between whenever you choose.

Paying through your Amazon account

Log into your Amazon account and go to "Account & Lists" in the top left corner. Select "Your Account," then look for the credit card or payment section. From there, you should see an option to manage your card or make a payment. Click on it and enter the amount you want to pay.

This method shows you your current balance, minimum payment due, and due date all in one place. You can see your payment history and set up automatic payments from the same screen. Payments made this way usually post within one to three business days, though the exact timing depends on when you submit the payment during the day.

If you cannot find the payment option in your Amazon account, check the back of your card for the issuer's name (usually Chase or another bank) and go directly to that bank's website instead. You can log in there with your card details and make a payment through their portal.

Paying by phone with the card issuer

Call the customer service number on the back of your Amazon credit card. A representative will ask for your card number and the amount you want to pay. You can pay with a bank account (checking or savings) or sometimes with another card, though paying with another credit card usually comes with a fee.

Phone payments are useful if you have questions about your balance or need to discuss a dispute before paying. The payment typically posts within one to three business days. Have your bank account information ready if you plan to pay from your checking account, as the representative will need your routing number and account number.

Paying by mail

Write a check for the amount you want to pay and mail it to the address shown on your monthly statement. Include your account number on the check so the payment gets matched to your card. Mail payments take longer to process — usually five to ten business days from when the issuer receives the envelope — so send it early if you are close to your due date.

Keep a record of when you mailed the check in case there is a question later about whether it arrived. If you are paying close to the due date, consider using one of the faster methods instead to avoid late fees.

Setting up automatic payments

Automatic payments remove the need to remember your due date. You can set them up through your Amazon account or by calling the card issuer. You choose the amount (full balance, minimum payment, or a fixed dollar amount) and the day each month when the payment should be taken from your bank account.

Most people set automatic payments to the full balance so they carry no month-to-month debt and pay no interest. If you prefer to pay only the minimum, you can set that instead, though you will owe interest on the remaining balance. You can change or cancel automatic payments anytime through your Amazon account or by calling the issuer.

What happens if you miss a payment

If your payment does not arrive by the due date, the issuer will charge a late fee (usually $25 to $40 for the first late payment) and may raise your interest rate. A missed payment also shows up on your credit report and can lower your credit score. If you realize you will miss the due date, call the issuer when ready — sometimes they can waive a late fee if you pay within a few days and have a good payment history.

Setting up automatic payments is the simplest way to avoid this problem entirely. Even if you forget about the bill, the payment goes out on schedule.

Understanding your statement and balance

Your monthly statement shows your opening balance, all charges from the past month, any payments you made, fees, and interest charges. The statement also lists your current balance (what you owe right now), your minimum payment due, and your due date. The minimum payment is usually 1 to 3 percent of your balance, but paying only the minimum means you will owe interest on the rest.

You can view your statement through your Amazon account anytime, not just when it arrives by mail or email. Checking it regularly helps you catch any charges you do not recognize and stay on top of your balance before it grows.

Frequently Asked Questions

Can I pay my Amazon credit card with another credit card?

Most card issuers do not allow you to pay with another credit card because it counts as a cash advance, which comes with high fees and interest. Stick to paying from a bank account, by check, or through your Amazon account. If you are in a tight spot and need to move money between cards, contact the issuer to ask about your options.

What is the difference between my statement balance and current balance?

Your statement balance is what you owed on the date your statement closed — usually the amount shown on your monthly bill. Your current balance includes any charges you have made since the statement closed. You can pay either amount, but paying the full statement balance by the due date avoids interest charges.

Do I have to pay the full balance or can I pay part of it?

You can pay any amount between the minimum payment and your full balance. Paying more than the minimum reduces the interest you owe on the remaining balance. Paying the full balance each month means you owe no interest at all.

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

Payments made through your Amazon account or by phone usually post within one to three business days. Mail payments take five to ten business days from when the issuer receives them. The exact timing depends on when you submit the payment and the issuer's processing schedule.

What should I do if I think my payment was lost in the mail?

Call the card issuer and ask whether they received your payment. If they did not, you can make another payment right away by phone or through your Amazon account. Keep a record of when you mailed the original check so you can explain the situation if a late fee is charged.