Pay your Amazon credit card through your bank account, the Amazon website, or by phone
You can pay your Amazon credit card bill in three main ways: online through your bank's bill pay system, directly on Amazon's payment portal, or by calling the card issuer. The fastest method is usually the Amazon website or app, where you can make a payment in under two minutes. If you use your bank's bill pay system, allow five to seven business days for the payment to reach the card issuer.
Your card issuer is either Chase (if you have the Amazon Prime Rewards Visa Card or Amazon Rewards Visa Card) or Synchrony Bank (if you have the Amazon Store Card). Knowing which bank issued your card matters because each has a different payment website and phone number. You can find this information on your monthly statement or by calling the number on the back of your card.
Key Takeaways
- Chase-issued Amazon cards can be paid through Chase.com, the Amazon website, or by calling Chase at 1-800-955-9060.
- Synchrony-issued Amazon Store Cards can be paid through Synchrony's website, by phone at 1-866-910-1000, or through your bank's bill pay system.
- Payments made through the card issuer's website or app typically post within one business day, while bank bill pay takes five to seven days.
- You can set up automatic payments to avoid missing a due date, though you should still check your statement monthly to catch errors.
Paying through Chase (for Prime Rewards and Amazon Rewards cards)
If your Amazon credit card was issued by Chase, you have two direct payment options. The first is to log into Chase.com with your username and password, navigate to your account, and select "Make a Payment." You can pay from a checking or savings account linked to your Chase profile, or use a debit card. The second option is to go to Amazon.com, sign into your account, and look for "Your Account" in the top right corner. From there, select "Login & Security," then "Manage Your Payments," and you can pay your card directly through Amazon's interface.
If you prefer to pay by phone, call Chase at 1-800-955-9060. Have your card number and bank account information ready. Payments made online or through the app post within one business day. If you call, confirm the payment date before you hang up, since phone payments sometimes take an extra day to process.
Paying through Synchrony (for Amazon Store Card)
The Amazon Store Card is issued by Synchrony Bank, which has its own payment system separate from Chase. To pay online, visit Synchrony.com, log in with your username and password, and select "Make a Payment." You can pay from a bank account or debit card. Payments made before 8 p.m. Eastern Time typically post the next business day.
To pay by phone, call Synchrony at 1-866-910-1000. Have your card number and the bank account you want to pay from ready. You can also mail a check to the address listed on your statement, though mailing takes seven to ten business days and carries the risk of lost mail.
Using your bank's bill pay system
Most banks offer a bill pay feature that lets you schedule payments to any company, including credit card issuers. Log into your bank's website or app, find the bill pay section, and add your credit card issuer as a payee. You will need the mailing address for Chase or Synchrony, which appears on your statement. Enter the amount and the date you want the payment sent, and your bank will mail a check or transfer the funds electronically.
Bank bill pay typically takes five to seven business days, so schedule your payment at least a week before your due date. This method is useful if you prefer to manage all your bills in one place, but it is slower than paying directly through the card issuer's website. Do not use bill pay if your payment is already late — pay directly through Chase or Synchrony instead.
Setting up automatic payments
Both Chase and Synchrony allow you to set up automatic payments that deduct money from your bank account on a date you choose each month. Log into your card issuer's website, find the "Automatic Payments" or "Recurring Payments" section, and select either "Full Balance," "Minimum Payment," or "Fixed Amount." If you choose "Full Balance," the card issuer will charge you for whatever you owe on your statement date, which prevents interest charges.
Automatic payments reduce the chance of missing a due date, but they do not replace checking your statement. Errors, fraudulent charges, or unexpected fees can slip through if you do not review your bill monthly. Set a calendar reminder to review your statement a few days before your automatic payment is scheduled, so you have time to contact the card issuer if something looks wrong.
What happens if you miss a payment
If your payment does not arrive by the due date, your card issuer will report the late payment to the credit bureaus after 30 days. This will lower your credit score and stay on your credit report for seven years. You will also be charged a late fee, typically between $25 and $40 for the first late payment, and a higher amount for subsequent ones. Your interest rate may increase as well.
If you realize you have missed a payment, contact your card issuer when ready. Call Chase at 1-800-955-9060 or Synchrony at 1-866-910-1000 and make a payment over the phone. Some card issuers will waive the late fee if you call within a few days and have a clean payment history. The sooner you pay, the less damage to your credit score.
Frequently Asked Questions
Can I pay my Amazon credit card through the Amazon app?
Yes, if you have a Chase-issued Amazon card. Open the Amazon app, go to "Your Account," select "Login & Security," then "Manage Your Payments." You can pay from a linked bank account or debit card. Synchrony Store Card payments must be made through the Synchrony website or by phone, not through Amazon's app.
Is there a fee to pay my Amazon credit card?
No. Chase and Synchrony do not charge a fee for paying your bill online, by phone, or through automatic payments. Your bank may charge a fee if you use their bill pay system, though most banks offer bill pay for free.
How long does it take for a payment to show up?
Payments made through the card issuer's website or app post within one business day. Payments made by phone may take one to two business days. Bank bill pay takes five to seven business days. Mailed checks take seven to ten business days.
What is the difference between the minimum payment and the full balance?
The minimum payment is the smallest amount you can pay without being late. Paying only the minimum means you will be charged interest on the remaining balance. The full balance is the total amount you owe. Paying the full balance each month avoids interest charges entirely.
Can I change my automatic payment amount or date?
Yes. Log into your card issuer's website, find your automatic payment settings, and update the amount or date. Changes typically take effect on your next scheduled payment. If you need to stop an automatic payment when ready, call your card issuer directly.