You can cancel an Amazon credit card by calling the card issuer directly or through your online account

The steps depend on which Amazon card you hold. Amazon offers two main credit cards: the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Store Card. Both are issued by Chase Bank, but the Store Card is only usable at Amazon and Whole Foods, while the Visa can be used anywhere. To cancel either one, you contact Chase directly — there is no cancellation option inside the Amazon website itself.

The fastest route is a phone call to the number on the back of your card. Chase's customer service can process the cancellation when ready and confirm it in writing. If you prefer not to call, you can also cancel through your Chase online account or by mail, though both take longer to process.

Key Takeaways

  • Call the number on the back of your Amazon credit card to reach Chase, the bank that issues it, and request cancellation over the phone.
  • Have your card number and account information ready before calling, and ask Chase to confirm the cancellation in writing afterward.
  • Canceling the card does not close your Chase account — it only closes the credit line, so you can still use other Chase products if you have them.
  • Your existing balance remains due after cancellation, and the card will stop working for new purchases when ready.
  • If you want to keep the account open but stop using the card, you can ask Chase to freeze it instead of canceling it.

How to cancel by phone

Call the customer service number printed on the back of your Amazon credit card. This number connects you directly to Chase, the card issuer. Have your card number, account number, and a form of ID ready before you call — the representative will ask for these to verify your identity.

Tell the representative you want to cancel the card. They will ask why you are canceling (this is optional to answer), confirm your current balance, and explain what happens next. If you have a balance, you will need to pay it off — cancellation does not erase what you owe. The representative will then close the card and give you a confirmation number. Write this down or ask them to email it to you.

After the call, your card will stop working for new purchases within minutes. Existing recurring charges (like subscriptions) may still process if they are set to auto-renew, so update those payment methods elsewhere if needed.

Canceling through your online Chase account

Log into your Chase account at chase.com using your username and password. Navigate to the credit card account you want to cancel. Look for a "Contact Us" or "Account Services" section — the exact location varies depending on whether you use the desktop or mobile site.

Select the option to contact customer service or request account changes. You will be prompted to explain your request. Type that you want to cancel the card, then submit. Chase will review your request and contact you within one to two business days to confirm. This method is slower than calling because you cannot complete the cancellation in real time.

Canceling by mail

Write a letter to Chase requesting cancellation of your Amazon credit card. Include your full name, card number, account number, and the date. Keep the letter brief — one or two sentences is enough. Mail it to the address listed on your monthly statement or on the back of your card under "Customer Service."

Send the letter via certified mail with return receipt so you have proof it arrived. Chase typically processes mail requests within five to seven business days after receiving it. This is the slowest method and leaves the most room for miscommunication, so use it only if you cannot call or use your online account.

What happens to your balance and rewards

Canceling the card does not erase your balance. If you owe money, you must continue to pay it after the card is closed. Chase will send you monthly statements until the balance reaches zero. You can pay online, by phone, or by mail using the same methods as before.

Any rewards points you have already earned remain in your account and do not disappear when you cancel the card. However, you cannot earn new rewards after cancellation. If you have pending rewards that have not posted yet, they may still post within a few days of cancellation, but this is not may provide — check your account a week after canceling to see what posted.

If you close the card but want to keep earning rewards, do not cancel. Instead, ask Chase to freeze the card or straightforward stop using it. You can reactivate it later if you change your mind.

The difference between canceling and freezing your card

Canceling closes the credit line permanently. Freezing temporarily stops the card from working but keeps the account open. If you are unsure whether you want to cancel permanently, ask Chase to freeze it first. A frozen card cannot be used for new purchases, but you can unfreeze it anytime by calling back.

Freezing is useful if you want to stop using the card but might want to reactivate it later — for example, if you are taking a break from Amazon but plan to return. Canceling is the right choice if you are certain you will not use the card again and want to close the account entirely.

What happens to your credit score

Canceling a credit card can affect your credit score, but the impact is usually small and temporary. Your score may dip slightly because closing an account reduces your total available credit, which changes your credit utilization ratio. However, this effect fades over time.

The bigger factor is your payment history. If you have paid on time consistently, canceling will not hurt your score much. If you have missed payments or carried high balances, the impact may be more noticeable. Either way, the effect is temporary — your score typically recovers within a few months if you continue paying other accounts on time.

Frequently Asked Questions

Can I cancel my Amazon credit card online without calling?

You can request cancellation through your Chase online account, but a representative must confirm it by phone or mail. There is no fully automated online cancellation option. Calling is faster because the representative can process it when ready and give you a confirmation number on the spot.

What if I have a balance when I cancel?

Your balance remains due and you must continue paying it after cancellation. Chase will send monthly statements and accept payments by phone, mail, or online. The card itself stops working, but your account stays open until the balance is paid off.

Will canceling affect my Amazon Prime membership?

No. Your Amazon Prime membership is separate from your credit card. Canceling the card does not cancel Prime. However, if you were using the card's rewards to offset Prime's annual fee, you will lose that benefit going forward.

How long does it take for the cancellation to go through?

If you call, cancellation is when ready — the card stops working within minutes. If you request it online or by mail, Chase takes one to seven business days to process it. The card may continue working during this time, so do not rely on it being closed right away.

Can I reopen the card after I cancel it?

You can reopen the card by reapplying, but Chase will treat it as a new process. You will go through the approval process again, and your credit will be pulled. If your credit score has changed, your approval odds and credit limit may be different. If you think you might want to use the card again, freezing it instead of canceling is a better option.