Pay your Amazon credit card through your Chase account online, by phone, or by mail
Your Amazon credit card is issued by Chase, so you pay it the same way you would any other Chase card. You can make a payment through the Chase website or mobile app, call Chase customer service, mail a check, or set up automatic payments. The card itself does not have a separate payment portal — all payments go through Chase's standard system.
The fastest route is logging into your Chase account online or through the Chase Mobile app, finding your Amazon card, and paying right there. You can pay the full balance, the minimum payment, or any amount in between. Payments typically post within one business day when you pay online.
Key Takeaways
- Log into your Chase account online or use the Chase Mobile app to pay your Amazon credit card balance at any time.
- You can pay the full balance, the minimum payment, or any custom amount, and online payments usually post within one business day.
- Set up automatic payments through Chase if you want the card to deduct a fixed amount or your full balance on a date you choose each month.
- Call Chase at the number on the back of your card to make a payment by phone, or mail a check to the address shown on your statement.
- Paying more than the minimum each month reduces the interest you owe and helps you pay off the card faster.
Pay online through your Chase account
Go to chase.com or open the Chase Mobile app on your phone. Sign in with your username and password. If you do not have a Chase online account yet, you will need to set one up — you can do this on the website by clicking "Enroll" and entering your card number, Social Security number, and other identifying information.
Once you are logged in, select your Amazon credit card from the list of accounts. You will see your current balance, minimum payment due, and the due date. Click "Make a Payment" or the payment button (the exact label varies by whether you are on the website or app). Enter the amount you want to pay — you can choose to pay the full balance, the minimum, or a custom amount. Confirm the payment method (usually your linked bank account) and submit. The payment will post within one business day.
Set up automatic payments so you never miss a due date
Automatic payments remove the step of logging in each month and reduce the risk of a late payment. In your Chase account, go to the settings or preferences section and look for "Automatic Payments" or "Autopay." Select your Amazon card and choose what you want to pay automatically: the full statement balance, the minimum payment, or a fixed dollar amount you set.
Pick the date each month when the payment should be deducted from your bank account — most people choose a date shortly after they get paid. Chase will then deduct that amount automatically on that date each month. You can change or cancel the automatic payment at any time through your account settings. Even with automatic payments turned on, you should still check your statement each month to make sure the payment went through and to watch for fraudulent charges.
Pay by phone if you need to pay right away
Call the number on the back of your Amazon credit card. A Chase representative will ask for your card number and the amount you want to pay. They will confirm your payment method (usually your bank account) and process the payment over the phone. Payments made by phone typically post within one business day, the same as online payments.
Paying by phone is useful if you do not have internet access or if you want to speak to someone about your account. However, online payment is usually faster and does not require waiting on hold. Chase customer service is available 24/7, so you can call at any time.
Mail a check if you prefer to pay by mail
Write a check for the amount you want to pay. On the memo line, write your card number so Chase knows which account the payment is for. Mail the check to the address shown on your statement — this address is usually different from the Amazon headquarters address, so use the one on your bill.
Mailed payments take longer to post than online or phone payments. Depending on mail delivery time and Chase's processing, a check can take 7 to 10 business days to show up on your account. If your payment is due soon, do not rely on mailing a check — use online payment or call instead. If you are mailing a payment, send it at least two weeks before your due date to make sure it arrives on time.
Understand the difference between minimum payment and paying off the balance
Your minimum payment is the smallest amount Chase requires you to pay each month to keep your account in good standing. The minimum is usually around 1 to 3 percent of your total balance, or a small fixed amount like $25, whichever is higher. Paying only the minimum keeps you from being late, but you will owe interest on the remaining balance.
Paying your full statement balance means you owe no interest on that month's purchases. The full balance is shown on your statement and in your Chase account. If you can pay the full balance each month, you will not pay any interest charges. If you can only pay part of the balance, paying more than the minimum will reduce the interest you owe and help you pay off the card faster. Use a calculator or your statement to see how long it will take to pay off your balance if you only pay the minimum — most people are surprised by how long it takes.
What to do if you miss a payment or cannot pay on time
If your payment is due and you do not have the money, contact Chase as soon as possible. Call the number on the back of your card and explain your situation. Chase may be able to work with you on a payment plan or temporarily lower your minimum payment, though this varies by your account history and credit situation.
A late payment will show up on your credit report and may result in a late fee and a higher interest rate on your card. The longer you wait to pay, the worse the damage to your credit. Even if you cannot pay the full amount, paying something before the due date is better than paying nothing. If you are struggling with debt across multiple cards, you may want to look into a debt management plan or speak with a nonprofit credit counselor.
Frequently Asked Questions
Can I pay my Amazon credit card with Amazon Pay or my Amazon account?
No. Your Amazon credit card is a Chase product, not an Amazon product, so you cannot pay it through Amazon.com or Amazon Pay. You must pay through Chase using the methods described above: online through Chase, by phone, by mail, or through automatic payment.
What happens if I pay more than my full balance?
If you pay more than your statement balance, the extra amount becomes a credit on your account. Chase will hold this credit and explore it to your next month's charges. You can also request that Chase refund the credit to your bank account, though this usually takes a few business days.
Does paying my Amazon credit card early help my credit score?
Paying early does not directly boost your credit score, but it does lower the balance that gets reported to credit bureaus each month. Credit bureaus see your balance on your statement date, not your current balance. Paying down your balance before your statement closes can lower the amount reported and improve your credit utilization ratio, which does affect your score.
Can I set up a payment plan if I owe a large balance?
Chase does not offer formal payment plans for credit card balances the way some lenders do for loans. However, you can call Chase and ask about options if you are struggling. They may offer a lower interest rate, a temporary reduction in your minimum payment, or a hardship program depending on your situation. The best option is to pay as much as you can each month to avoid accumulating more interest.
Is there a fee to pay my Amazon credit card?
No. Chase does not charge a fee for making payments online, by phone, or by mail. Automatic payments are also free. The only fees you might owe are late fees if you miss a payment important date, or interest charges if you carry a balance.