Where to pay your Amazon credit card bill

You can pay your Amazon credit card bill through the Amazon.com website, the Amazon mobile app, or by calling the card issuer directly. The issuer depends on which Amazon card you hold — most are issued by Chase Bank, but some older cards were issued by Synchrony Bank. Payments made through Amazon.com or the app go to your account when ready, while payments by phone or mail take a few business days to post.

To pay online, log into your Amazon account, go to "Login & Security" or "Your Account," find the credit card section, and select the card you want to pay. You'll see your current balance, due date, and a payment option. You can pay the full balance, the minimum payment, or any amount in between. The payment processes right away, though it may take one to two business days to show as posted on your statement.

If you prefer to call, the customer service number is on the back of your physical card. Have your account number and the amount you want to pay ready. Payments by phone are recorded when ready but may not appear on your online account for a few days.

Key Takeaways

  • Amazon credit card payments can be made through Amazon.com, the mobile app, or by phone to the card issuer, with online payments posting fastest.
  • Your card issuer is usually Chase Bank, so if you cannot find the payment option in your Amazon account, you can log into Chase.com directly.
  • You can pay your full balance, minimum payment, or any amount between them, and the due date appears on your statement and in your account.
  • Automatic payments can be set up through your Amazon account to pay a fixed amount on the same day each month, reducing the risk of a late payment.

Paying through your Amazon account

The fastest way to pay is through Amazon.com or the Amazon app. Log in with your email and password, then navigate to "Your Account" at the top right of the page. Select "Login & Security" or scroll to find "Credit Cards" or "Manage Your Payments." Click on the card you want to pay, and you'll see your current balance and due date.

Enter the amount you want to pay — you can choose to pay in full, pay the minimum, or enter a custom amount. Review the payment amount and confirm. The payment processes when ready, and you'll receive a confirmation email. The funds may take one to two business days to appear as posted on your statement, but your account will show the payment right away.

If you have multiple Amazon credit cards, you'll see them all listed. Make sure you're paying the correct card, as each one has its own balance and due date. You can also set up automatic payments from this same screen, which will deduct a fixed amount from your linked bank account on the same day each month.

Paying through Chase or Synchrony directly

If you cannot find the payment option in your Amazon account, or if you prefer to pay through your card issuer's website, you can log in directly to Chase.com or Synchrony.com. Most Amazon credit cards are issued by Chase, so start there. Log in with your card number and PIN, or create an account if you haven't already.

Once logged in, look for "Make a Payment" or "Pay Your Bill." You'll see the same options: pay in full, pay the minimum, or pay a custom amount. Payments made through the issuer's website also post when ready, though they may take a few business days to show on your statement.

If your card was issued by Synchrony (which is less common for newer Amazon cards), the process is the same. You can find your issuer by looking at the back of your physical card or checking your most recent statement. The issuer's name appears near the bottom.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Through your Amazon account, go to the credit card payment screen and look for "Automatic Payments" or "Set Up Auto Pay." You'll choose a fixed amount — usually the full balance, the minimum payment, or a custom amount — and the day of the month you want it to be paid.

The payment will be deducted from the bank account you link to your Amazon account. Make sure that account has enough funds on the scheduled payment day. If the payment fails due to insufficient funds, you may be charged a late fee, so monitor your bank balance if you use automatic payments.

You can change or cancel automatic payments at any time through the same screen. If you cancel, you'll need to make manual payments again, so set a reminder for your due date if you do.

Payment important date and late fees

Your payment is due on the date shown on your statement and in your online account. Payments made after that date are considered late and may result in a late fee and an increase to your interest rate. The late fee amount depends on your card terms, but it's typically between $25 and $40 for the first late payment.

If you pay at least the minimum by the due date, you won't be charged a late fee, even if you don't pay the full balance. However, any unpaid balance will accrue interest at your card's annual percentage rate (APR). Paying only the minimum keeps your account in good standing but costs more in interest over time.

If you miss a payment, contact your card issuer as soon as you realize it. Many issuers will waive a single late fee if you call and ask, especially if you have a good payment history. The sooner you pay, the less interest you'll owe.

Payment methods and timing

You can pay with any bank account linked to your Amazon account. When you set up a payment, you'll select which bank account to draw from. If you have multiple accounts linked, make sure you're paying from the right one.

Payments made online or through the app post when ready to your account, though the funds may take one to two business days to actually leave your bank account. Payments made by phone or mail take longer — typically three to five business days — so plan ahead if your due date is soon.

Do not send cash or checks directly to Amazon. Payments must be made through the official channels listed above. If you have questions about where to send a payment, call the number on the back of your card.

What to do if you cannot pay in full

If you cannot pay your full balance by the due date, pay at least the minimum amount to avoid a late fee. The minimum is shown on your statement and in your online account. Paying only the minimum keeps your account current, but interest will accrue on the unpaid balance.

If you're struggling to make payments, contact your card issuer to discuss options. Some issuers offer hardship programs that may lower your interest rate temporarily or allow you to pause payments. These programs are not automatic — you have to ask for them — but they can help if you're facing a temporary financial difficulty.

Avoid missing payments or paying very late, as this can damage your credit score and make it harder to borrow money in the future. If you're in a difficult situation, it's better to call and discuss options than to ignore the bill.

Frequently Asked Questions

Can I pay my Amazon credit card bill with another credit card?

No, you cannot pay your Amazon credit card with another credit card through Amazon or Chase. You must pay from a bank account. Paying a credit card with another credit card through a third-party service usually involves a cash advance fee and high interest, so it's not recommended.

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

Payments made online or through the app show in your account when ready, but may take one to two business days to post to your statement. Payments by phone or mail take three to five business days. Your due date does not change based on when the payment posts, so pay before the date shown on your statement.

What happens if I pay after the due date?

A late fee will be charged, usually $25 to $40, and your interest rate may increase. Your credit score may also be affected if the payment is 30 days or more late. If you realize you're late, pay as soon as possible and consider calling to ask if the late fee can be waived.

Can I set up automatic payments for a custom amount?

Yes, most issuers allow you to set up automatic payments for the full balance, the minimum payment, or a custom amount you choose. You can change the amount or cancel automatic payments at any time through your account.

What if my payment fails?

If your automatic payment fails due to insufficient funds or an invalid bank account, you'll be notified by email or through your account. You'll need to make a manual payment right away to avoid a late fee. Update your linked bank account information if the account has changed.