Where to make your payment

You can pay your Amazon credit card through the Chase website, the Chase mobile app, or by phone. The card is issued by Chase Bank, so all payments go through Chase, not Amazon directly — even though you use the card to shop on Amazon.

The fastest route is the Chase website at chase.com. Log in with your Chase online banking username and password, find your Amazon credit card account, and you'll see a "Make a Payment" button. You can pay any amount from the minimum due up to your full balance. The payment posts within one business day if you pay before 8 p.m. Eastern time on a weekday.

If you prefer the app, read Chase Mobile from your phone's app store, log in, select your Amazon card, and tap "Pay Now." The process is the same as the website. You can also call the customer service number on the back of your card and make a payment over the phone with a representative.

Key Takeaways

  • Pay through Chase's website, app, or phone line — not through Amazon or your Amazon account.
  • You can pay your full balance, the minimum due, or any amount in between, and the payment usually posts within one business day.
  • Setting up automatic payments prevents late fees and helps you avoid missing a due date.
  • If you pay late, Chase charges a late fee and may raise your interest rate, so knowing your due date matters.

Setting up automatic payments to avoid missed due dates

The easiest way to never miss a payment is to set up automatic payments through Chase. Log into your Chase account, go to your Amazon card, and look for "Autopay" or "Automatic Payments" in the settings. You can choose to pay your full statement balance each month, just the minimum due, or a fixed dollar amount you decide on.

Most people choose to pay the full balance automatically each month. This way, you never carry a balance forward, you don't pay interest, and you avoid late fees. The payment comes out of your checking account on your due date each month, so make sure you have enough money in that account when the payment is scheduled to go through.

If you choose to pay only the minimum due automatically, you'll still owe interest on the remaining balance. The minimum is usually 1 to 3 percent of what you owe, so paying only the minimum means your debt grows each month unless you make extra payments.

Understanding your statement and due date

Your statement closes on the same day each month — Chase will tell you this date when you open the account. That's the last day new purchases are added to that month's bill. Your due date comes about three weeks later, and that's the important date to pay at least the minimum without triggering a late fee.

You can see your current balance, statement balance, minimum payment due, and due date by logging into Chase or checking your monthly statement. The statement balance is what you owe for purchases made during the last billing cycle. Your current balance includes new purchases you've made since the statement closed, which won't be due until next month.

If you pay only the statement balance by the due date, you won't be charged a late fee, but you'll still owe interest on any balance that carries over. If you miss the due date, Chase charges a late fee (the amount depends on how much you owe) and may increase your interest rate on future purchases.

Paying more than the minimum to reduce interest

If you carry a balance on your Amazon card, paying more than the minimum due each month saves you money on interest. The card's interest rate varies based on your credit score and current market rates, but it's typically between 16 and 24 percent annually. That means if you owe $1,000 and only pay the minimum, you'll pay roughly $13 to $20 in interest that month alone.

You can make extra payments anytime through Chase's website or app — you don't have to wait for your due date. Some people pay twice a month or make a payment as soon as they get paid. Each extra payment reduces the balance that interest is calculated on, so you pay less interest overall and get out of debt faster.

If you're carrying a large balance, consider whether a balance transfer card or a personal loan might have a lower interest rate. Some credit cards offer 0 percent interest for a set period if you transfer a balance from another card, though they usually charge a one-time transfer fee of 3 to 5 percent.

What happens if you miss a payment

If you miss your due date, Chase charges a late fee. The fee depends on how much you owe — typically $25 to $40 for the first late payment and up to $40 for later ones. Missing a payment also shows up on your credit report and can lower your credit score by 100 points or more.

If you're more than 30 days late, Chase may increase your interest rate to a penalty rate, which can be as high as 29.99 percent. This rate applies to new purchases and sometimes to your existing balance, depending on your account terms. If you're 60 days late, the damage to your credit score is even worse, and if you're 180 days late, Chase may close your account and send it to a debt collector.

If you realize you'll miss a payment, call Chase before the due date. Sometimes they can work with you on a payment plan or waive a late fee if it's your first miss and you have a good history with the account. It's worth asking, because the fee and the credit damage are both avoidable if you reach out early.

Payment methods and timing

Chase accepts payments from a checking or savings account (through the website or app), by phone, by mail, or through an external payment service like PayPal or Venmo if you link your Chase account to those platforms. The fastest method is the Chase website or app, where the payment posts within one business day.

If you pay by mail, write a check to Chase and include your account number on the check. Mail it to the address on your statement — it usually takes 5 to 7 business days to arrive and post. If you're close to your due date, don't use mail; use the website, app, or phone instead.

If you use a third-party payment service like PayPal, the payment goes through that service first and then to Chase, which can add an extra day or two. Check the timing on that service's website before you use it if you're near your due date.

Frequently Asked Questions

Can I pay my Amazon credit card through my Amazon account?

No. Your Amazon credit card is issued by Chase Bank, so you must pay through Chase, not Amazon. Log into chase.com or use the Chase app to make a payment. Amazon doesn't handle the billing or payments for this card.

What's the difference between my statement balance and current balance?

Your statement balance is what you owed at the end of your last billing cycle and is due by your due date. Your current balance includes the statement balance plus any new purchases you've made since the statement closed. You'll owe interest on any balance that carries over past your due date.

Do I have to pay my full balance, or can I pay just the minimum?

You can pay any amount between the minimum due and your full balance. Paying only the minimum avoids a late fee but leaves you with a balance that accrues interest. Paying the full balance each month means no interest charges and no debt carryover.

What happens if I pay late?

Chase charges a late fee (usually $25 to $40) and reports the late payment to credit bureaus, which lowers your credit score. If you're 30 days late, your interest rate may jump to a penalty rate as high as 29.99 percent. Call Chase before your due date if you think you'll miss it — they sometimes waive the fee for first-time misses.

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

Payments made through the Chase website or app post within one business day if submitted before 8 p.m. Eastern time on a weekday. Phone payments post the same day. Mailed checks take 5 to 7 business days. Payments through third-party services like PayPal may take an extra day or two.