How to pay your Amazon credit card bill online
You can pay your Amazon credit card bill through your Amazon account, through your card issuer's website, or by phone. The fastest route is logging into Amazon.com, going to your account, and selecting the payment option tied to your card — Amazon shows your balance and lets you pay when ready. If you use a Chase Amazon card, you can also log into Chase.com directly and pay from there. Both routes process payments the same day if you pay before the cutoff time, usually 8 p.m. Eastern.
The card issuer — either Chase or Synchrony, depending on which Amazon card you hold — also accepts phone payments. Chase Amazon cardholders call the number on the back of their card. Synchrony Amazon cardholders call the number on their statement or the back of their card. Have your account number and the amount you want to pay ready. Phone payments are processed the same business day if you call before the cutoff, though some issuers may take an extra day to post.
Key Takeaways
- Amazon credit cards are issued by either Chase or Synchrony, and you pay through whichever company issued yours.
- Paying through Amazon.com or your card issuer's website processes the same day if you pay before the evening cutoff.
- You can set up automatic payments so your full balance or a minimum payment is paid on a date you choose each month.
- Late payments are reported to credit bureaus and trigger late fees, so set a calendar reminder if you do not use autopay.
- Payments by mail take 7 to 10 business days to reach the issuer, so mail only if you cannot pay online or by phone.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Amazon account, go to "Your Account," then select "Login & Security" or "Payments." Find the option for automatic payments and choose whether you want to pay your full balance or just the minimum amount each month. Enter the bank account you want the payment to come from and the date each month you want it to happen — most people choose payday or a few days after.
If you use Chase, you can also set up autopay through Chase.com. Log in, find your Amazon card, and select "Autopay." Choose your payment amount and date. Synchrony cardholders set up autopay the same way through Synchrony.com. Once autopay is active, the payment happens automatically on your chosen date. You can change or cancel it anytime, but leaving it on means you will never miss a due date.
Understanding your payment due date and grace period
Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. If you pay the full statement balance by that date, you owe no interest on new purchases — this is called the grace period. If you pay less than the full balance, interest starts accruing on the remaining balance when ready, even on new purchases you have not used yet.
Paying after your due date triggers a late fee and reports the late payment to credit bureaus, which can lower your credit score. Most issuers do not report a payment as late until it is 30 days past due, but the fee hits right away. If you miss a due date by accident, call your card issuer as soon as you notice — some will waive a single late fee if you have a clean payment history.
Paying by mail or bank transfer
Mailing a check or money order is slower than online or phone payment, but it is an option if you cannot access the internet or prefer paper records. Write your account number on the check, put it in an envelope with your statement stub if you have one, and mail it to the address on your statement. Mail takes 7 to 10 business days to arrive, so the issuer will not receive it for at least a week. If your due date is coming up, do not rely on mail.
Some banks let you set up a one-time bank transfer directly from your checking account to your credit card issuer. This is faster than mail and does not require you to log into the card issuer's website. Ask your bank whether it offers bill pay for credit cards, and if so, set up the Amazon card as a payee. You can schedule the transfer to happen on any date you choose, and it usually posts within 1 to 3 business days.
What happens if you cannot pay your full balance
If you cannot pay the full balance, pay at least the minimum amount shown on your statement by the due date. The minimum is usually 1 to 3 percent of your balance, but paying only the minimum means interest accrues on the rest. The interest rate on Amazon credit cards varies but is typically 18 to 27 percent annually, depending on your creditworthiness and current market rates.
If you are struggling to pay, contact your card issuer before your due date. Chase and Synchrony both have hardship programs that may lower your interest rate or let you pause payments temporarily. Waiting until after you miss a payment makes it harder to negotiate, so call the number on your statement and explain your situation. Be honest about what you can afford to pay.
Disputing a charge or payment issue
If you see a charge on your Amazon credit card bill that you did not make, or if a payment you sent did not post, contact your card issuer right away. For Chase Amazon cards, call the number on the back of your card or log into Chase.com and select "Dispute a Transaction." For Synchrony cards, call the number on your statement or use Synchrony.com. Have the transaction date, amount, and merchant name ready.
The issuer will open a dispute and investigate. During the investigation, the charge is usually removed from your balance temporarily, so you do not owe interest on it. The investigation takes 30 to 60 days. If the issuer rules in your favor, the charge is removed permanently. If it rules against you, the charge goes back on your bill and you owe any interest that accrued.
Frequently Asked Questions
Can I pay my Amazon credit card bill with another credit card?
No. Credit card issuers do not accept credit card payments because it creates a cash advance, which carries a higher interest rate and an upfront fee. You must pay with a bank account, check, or money order.
Does paying early help my credit score?
Paying early does not hurt your score, but it does not help it either. What matters is paying on time and keeping your balance low relative to your credit limit. Paying the full balance by the due date is what builds credit.
What if I pay more than I owe?
The overpayment becomes a credit on your account. Your next statement will subtract it from what you owe. If you want the money back instead, call your card issuer and request a refund check.
How do I know if my payment went through?
Log into your Amazon account or your card issuer's website and check your balance. Online and phone payments show up within hours. Mail and bank transfers take longer — check your statement in a few days to confirm it posted.
What is the difference between Chase and Synchrony Amazon cards?
Chase issues the Amazon Prime Rewards Visa Signature card and the Amazon Rewards Visa card. Synchrony issues the Amazon Store Card, which can only be used at Amazon. Payment methods are the same, but you log into different websites to pay.