Where to send your Amazon Chase card payment
The Amazon Chase card is issued by Chase Bank, so you send payments to Chase, not to Amazon. You have four main routes: pay online through your Chase account, set up automatic payments, mail a check, or call Chase's payment line.
The fastest and most common method is logging into your Chase account online or through the Chase mobile app, finding your Amazon card, and paying from there. You can pay the full balance, the minimum due, or any amount in between. The payment posts the same business day if you submit it before the cutoff time, which is usually 8 p.m. Eastern.
If you want to avoid thinking about it, you can set up automatic payments to withdraw money from your bank account on a date you choose each month. You decide whether Chase pulls the minimum payment, the full statement balance, or a fixed dollar amount.
Key Takeaways
- Pay your Amazon Chase card through Chase's website or app, by phone at 1-800-935-9935, by mail to the address on your statement, or by setting up automatic payments from your bank account.
- Online and app payments post the same business day if submitted before the evening cutoff; mailed checks take 7 to 10 business days to reach Chase.
- Automatic payments can be set to pull your full balance, minimum payment, or a fixed amount on a date you choose each month.
- Late fees and interest charges begin if your payment arrives after the due date shown on your statement, regardless of which payment method you use.
- You can change or cancel automatic payments anytime through your Chase account without penalty.
Paying online or through the Chase app
Log into your Chase account at chase.com or open the Chase mobile app on your phone. Tap or click on your Amazon card account, then look for a "Pay" button or link. Enter the amount you want to pay and confirm the payment method — usually your linked bank account.
Chase will show you the payment date before you confirm. If you pay before 8 p.m. Eastern on a business day, the payment posts that same day. If you pay after 8 p.m. or on a weekend, it posts the next business day. You will see the payment reflected in your account balance within hours.
Keep the confirmation number Chase gives you. If you ever need to prove you paid on time, that number is your receipt. You can also view your payment history in the app or on the website anytime.
Setting up automatic payments
Automatic payments mean Chase pulls money from your bank account on the same day each month, so you never have to remember. Go to your Chase account, find the "Autopay" or "Automatic Payments" section, and choose your Amazon card. Then pick the date you want the payment to come out — most people choose a few days after payday or after their statement closes.
You have three options for what Chase withdraws: your full statement balance (the safest choice if you want to avoid interest), your minimum payment (the cheapest option but you will pay interest on the remaining balance), or a fixed dollar amount you set yourself.
If your balance changes or you need to skip a month, you can turn off automatic payments anytime through your account. There is no penalty for canceling. You can also change the amount or the date without calling Chase.
Mailing a check or money order
The mailing address for your Amazon Chase card payment is on your monthly statement. Write your account number on the check or money order, put it in an envelope with the payment stub from your statement (if you have one), and mail it to the address shown.
The post office typically takes 3 to 5 business days to deliver mail, and Chase takes another 2 to 5 business days to process it after it arrives. This means a check mailed today might not post for 7 to 10 business days. If your due date is coming up, mailing a check is risky — use online payment or call instead.
Keep a copy of the front and back of your check or a photo of your money order for your records. If Chase says they never received it, you will need proof you sent it.
Paying by phone
Call Chase at 1-800-935-9935 to pay your Amazon card over the phone. Have your account number and bank account information ready. A representative will ask how much you want to pay and confirm the date it will post.
Phone payments work the same way as online payments — they post the same business day if you call before the cutoff time. This method is useful if you do not have online access or prefer to speak with someone, but it is slower than paying online if you are in a hurry.
What happens if you miss the due date
Your statement shows a due date — this is the last day to pay without a late fee. If your payment arrives after that date, Chase charges a late fee (the amount depends on your card terms) and may report the late payment to credit bureaus, which can lower your credit score.
Interest also starts accruing on any unpaid balance the day after the due date, even if you are only one day late. The interest rate is listed in your card agreement. If you realize you will miss the due date, call Chase when ready — sometimes they can waive a first late fee if you have a good payment history.
If you are more than 30 days late, Chase may freeze your account and demand full payment. If you are 180 days late, they may close the account and send it to a debt collector.
Payments and your credit score
On-time payments are the single biggest factor in your credit score — they make up 35 percent of most credit scores. One late payment can drop your score by 100 points or more, and the damage lasts for seven years on your credit report.
Paying more than the minimum also helps your score indirectly. When you carry a balance, your credit utilization ratio (the amount you owe divided by your credit limit) goes up, which lowers your score. Paying down the balance lowers that ratio and improves your score.
If you have missed payments in the past, making all future payments on time will gradually rebuild your score. The older the missed payment, the less damage it does.
Frequently Asked Questions
Can I pay my Amazon Chase card with Amazon Pay or my Amazon account?
No. Amazon Pay is a separate service and does not connect to your Chase credit card bill. You must pay Chase directly through their website, app, phone line, or by mail. Paying through Amazon will not reduce your credit card balance.
What if I pay more than I owe?
Chase will hold the overpayment as a credit on your account. You can use it toward your next statement, or you can call Chase and ask them to refund the extra amount to your bank account. There is no fee for either option.
Is there a fee to pay online or by phone?
No. Chase does not charge a fee for paying online, through the app, or by phone. Mailing a check costs the price of a stamp, but the payment itself is free.
How do I know if my payment went through?
After you submit a payment online or by phone, Chase shows you a confirmation number when ready. Check your account the next business day — your balance should be lower. You can also set up text or email alerts in your Chase account to notify you when a payment posts.
Can I pay my Amazon Chase card early?
Yes. You can pay anytime, even before your statement closes. Paying early lowers your balance and your credit utilization ratio, which can help your credit score. There is no penalty for paying early.