How to pay your Amazon Prime credit card
The Amazon Prime Rewards Visa card is issued by Chase Bank, so you pay it through Chase, not through Amazon. You can make a payment online through the Chase website or mobile app, by phone, by mail, or in person at a Chase branch. The card works like any other credit card — the bill arrives each month, and you choose how much to pay by the due date.
Most cardholders pay online because it's the fastest route and you can see your balance and due date when ready. If you set up automatic payments, Chase will deduct a fixed amount or your full balance on a date you choose each month, which removes the risk of missing a payment.
Key Takeaways
- You pay the Amazon Prime Rewards Visa through Chase Bank using their website, app, phone line, or mail — not through Amazon itself.
- Online payment through Chase typically posts within one business day, while mailed checks take seven to ten business days.
- Setting up automatic payments prevents late fees and protects your credit score by ensuring the payment reaches Chase by the due date.
- Your minimum payment is shown on your monthly statement, but paying more than the minimum reduces interest charges if you carry a balance.
Paying online through Chase's website or app
Log into your Chase account at chase.com or open the Chase Mobile app, then navigate to your credit card account. Select "Make a Payment" and enter the amount you want to pay. You can pay from a checking or savings account linked to Chase, or from an external bank account. Chase will ask you to confirm the payment date — if you choose today, the payment typically posts within one business day.
The app shows your current balance, minimum payment due, and the due date in one view, so you can decide how much to pay without hunting for your statement. If you're paying from an external bank account for the first time, Chase may hold the payment for verification, which adds a day or two to the process.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. In your Chase account, go to "Automatic Payments" and choose whether you want Chase to deduct a fixed dollar amount or your full statement balance each month. You set the date the payment should post — many people choose the day after they get paid, so the money is available in their checking account.
If you choose to pay your full balance automatically, your credit card interest charges will be zero as long as you don't make new purchases after the payment posts. If you choose a fixed amount, any remaining balance will accrue interest at your card's APR, which varies based on your creditworthiness and current market rates.
Paying by phone or mail
To pay by phone, call the number on the back of your card. A Chase representative will confirm your identity and the amount you want to pay, then process the payment over the phone. Payments made by phone typically post within one business day, the same as online payments.
To pay by mail, send a check to the address shown on your monthly statement. Write your account number on the check and mail it to the address listed under "Payment Address" — do not mail it to Amazon. Mailed payments take seven to ten business days to post, so send your check at least two weeks before your due date to avoid a late payment. Late payments trigger a fee and can lower your credit score.
What happens if you miss a payment
If your payment doesn't reach Chase by the due date shown on your statement, Chase will charge a late fee. The fee amount depends on how much you owe — typically $25 to $40 for the first late payment. More importantly, a late payment stays on your credit report for seven years and can lower your credit score by 100 points or more, making it harder and more expensive to borrow money in the future.
If you miss a payment by a few days, contact Chase when ready. Explain the situation and ask whether they will waive the late fee as a one-time courtesy — many cardholders have success with this request if they have a clean payment history. Even if the fee is waived, the late payment may still be reported to credit bureaus unless you catch it within 30 days of the due date.
Understanding your statement and minimum payment
Your monthly statement shows your opening balance, all purchases and payments from the past month, your closing balance, your minimum payment due, and your due date. The minimum payment is usually 1 to 3 percent of your balance — it's the smallest amount Chase will accept to keep your account in good standing. Paying only the minimum means the rest of your balance carries over to next month and accrues interest.
If you carry a balance month to month, paying more than the minimum reduces the amount of interest you owe. For example, a $5,000 balance at 20 percent APR costs about $83 in interest per month if you pay only the minimum, but costs $0 if you pay the full balance. The longer you carry a balance, the more interest compounds, so paying in full each month is the lowest-cost option.
Frequently Asked Questions
Can I pay my Amazon Prime credit card through Amazon.com?
No. The card is issued by Chase Bank, so all payments go through Chase, not Amazon. You can pay through Chase's website, app, phone, or mail. Amazon does not process payments for this card.
How long does it take for an online payment to show up?
Online payments typically post within one business day. If you pay on a Friday evening, it may not post until Monday. Mailed checks take seven to ten business days, so plan ahead if you pay by mail.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the day your statement closed — usually the last day of the month. Your current balance includes new purchases you've made since then. You can pay either amount, but paying your full statement balance means no interest accrues on those purchases.
Will setting up automatic payments hurt my credit score?
No. Automatic payments help your credit score by ensuring you never miss a due date. On-time payments are the biggest factor in your credit score, so automating them is one of the easiest ways to protect it.
What if I want to dispute a charge on my card?
Contact Chase through your account or by calling the number on the back of your card. Explain the charge you believe is wrong, and Chase will investigate. You don't have to pay the disputed amount while the investigation is ongoing, though it may still appear on your statement.