The three ways to pay your Amazon credit card

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 Amazon.com, going to your account, and paying directly there. If you prefer to call, the number is on the back of your card. If you mail a check, send it to the address printed on your statement — never to an Amazon warehouse.

The card itself is issued by either Chase or Synchrony, depending on which Amazon card you hold. That matters because it determines which company processes your payment and which customer service line you call. Your statement will tell you which bank issued your card.

All three payment methods post to your account within one to three business days. If your due date is coming up and you are cutting it close, paying through Amazon.com or calling the issuer the same day usually works. Mailed checks take longer and should be sent at least a week before your due date.

Key Takeaways

  • Paying through Amazon.com is the fastest method and takes seconds once you are logged in.
  • Your card is issued by either Chase or Synchrony, and you can call the number on the back of your card to pay by phone.
  • Mailed payments should arrive at least a week before your due date to avoid late fees.
  • You can set up automatic payments so your full balance or a minimum payment is paid on the same day each month.
  • Late payments trigger a fee and can lower your credit score, so paying on time matters even if you can only pay the minimum.

Paying through your Amazon account

Log into Amazon.com with your email and password. Click on the account icon in the top right corner, then select "Your Account." Look for a section called "Memberships and subscriptions" or scroll down to find "Amazon Store Card" or "Amazon Rewards Visa Signature Card" — whichever card you own. Click on it.

You will see your current balance, due date, and a button to make a payment. Click that button, enter the amount you want to pay, and choose your payment method (usually a bank account or debit card). Review the details and confirm. The payment posts within one to three business days.

This method works on a phone, tablet, or computer. You do not need to read anything or create a separate account. If you forget your Amazon password, use the "Forgot password" link on the login page to reset it before you start.

Paying by phone with Chase or Synchrony

The phone number for your card issuer is printed on the back of your physical card. Call that number and follow the prompts to make a payment. You will need your card number and the amount you want to pay. The representative can tell you your current balance and due date if you do not have your statement handy.

Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card. Synchrony issues the Amazon Store Card. If you are not sure which you have, look at the card itself — the issuer's name is printed on the front or back.

Payments made by phone post within one to three business days. If you call after business hours, you can usually leave a payment through an automated system. Ask the representative to confirm the amount and date before you hang up.

Paying by mail

Write a check for the amount you owe and include your account number or card number on the memo line. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to an Amazon fulfillment center or corporate office — use only the address on your statement.

Include your payment at least seven to ten business days before your due date. Mail can be delayed, and the payment needs time to be processed once it arrives. If your due date is fewer than ten days away, use Amazon.com or call instead.

Keep a copy of the check or take a photo of it before you mail it. If the payment does not show up in your account within two weeks, you have a record of when you sent it.

Setting up automatic payments

You can arrange for your payment to happen automatically each month without logging in or calling. Log into Amazon.com, go to your card account, and look for an option called "Auto Pay" or "Automatic Payment." Select whether you want to pay the full balance, a fixed amount, or just the minimum payment each month.

Choose the day of the month when the payment should be made — usually the same day as your due date or a few days before. The payment will post on that day every month unless you turn it off. If your balance changes month to month, automatic payments for the full balance adjust automatically.

Automatic payments are useful if you tend to forget due dates or want to avoid late fees. You can still log in and make extra payments whenever you want, even if automatic payments are turned on.

What happens if you miss a payment

If your payment does not arrive by the due date, your account will be marked late. You will owe 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 late payment will appear on your credit report.

If you realize you will miss the due date, call the card issuer as soon as possible. Explain what happened and ask if they can waive the fee or give you a few extra days. Some issuers will work with you if it is your first late payment or if you have a good payment history.

Once you are late, paying the bill does not erase the late fee or remove the mark from your credit report when ready. The late payment stays on your report for seven years, but its impact on your credit score fades over time as you make on-time payments.

Minimum payments and interest charges

Your statement shows a minimum payment amount due each month. Paying only the minimum keeps your account in good standing and avoids a late fee, but you will owe interest on the remaining balance. The interest rate for Amazon credit cards ranges depending on your creditworthiness and current market rates — check your statement or card agreement for your specific rate.

If you carry a balance and only pay the minimum, interest charges add up quickly. For example, a $1,000 balance at 20% interest costs about $200 per year if you only pay the minimum. Paying more than the minimum reduces the interest you owe and gets you out of debt faster.

If you cannot afford to pay the full balance, paying more than the minimum still helps. Even an extra $25 or $50 per month reduces the total interest you will pay and shortens the time until the balance is gone.

Frequently Asked Questions

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

No. Credit card companies do not allow you to pay a credit card bill with another credit card. You can pay with a debit card, bank account, or check. Some payment services like PayPal or Venmo allow credit card payments, but they charge a fee and are not recommended for bill payments.

What if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward your next month's balance, or you can request a refund. Contact the card issuer to ask for a refund if you overpaid by accident.

Is there a fee to pay my bill?

No. Paying through Amazon.com, by phone, or by mail costs nothing. Some third-party payment services charge fees, but the official payment methods are free.

How do I know if my payment went through?

Log into your Amazon account and check your card balance. Payments usually show within one to three business days. You can also call the card issuer to confirm. Keep your confirmation number from the payment if you made it online.

What if I need to dispute a charge on my bill?

Contact the card issuer by phone or through your online account. Explain which charge you dispute and why. The issuer will investigate and may remove the charge or credit your account while they look into it. Do not refuse to pay your entire bill — dispute only the specific charge you question.