How to pay your Amazon Synchrony Card bill online and by mail
You can pay your Amazon Synchrony Card through the Synchrony website, the Synchrony mobile app, or by mailing a check to the address on your statement. The fastest method is online through your Synchrony account, where the payment posts the same business day if you pay before the cutoff time (usually 8 p.m. Eastern). By mail, allow 7 to 10 business days for the payment to reach Synchrony and post to your account.
Synchrony also lets you set up automatic payments from your bank account so your bill pays on a date you choose each month. This prevents missed payments and late fees, though you remain responsible if your bank account has insufficient funds. You can change or cancel automatic payments anytime through your Synchrony account.
Key Takeaways
- Online and app payments post the same business day if submitted before the evening cutoff, while mailed checks take 7 to 10 business days to clear.
- You can set up automatic payments from your bank account to pay on a fixed date each month, reducing the risk of late fees.
- Synchrony accepts payments by phone at the number on your statement, though this method may carry a fee depending on how you pay.
- Your minimum payment due date appears on your statement; paying only the minimum still charges interest on your remaining balance.
- Late payments trigger fees and can raise your interest rate, so paying by the due date matters even if you cannot pay the full balance.
Paying through the Synchrony website or app
Log into your Synchrony account at synchrony.com or open the Synchrony mobile app on your phone. Select "Make a Payment" or the payments section, then enter the amount you want to pay and the date you want it to post. You can pay from a checking or savings account linked to your Synchrony profile, or use a debit card.
Synchrony processes online payments submitted before 8 p.m. Eastern on a business day as same-day posts. If you submit after that time or on a weekend, the payment posts the next business day. The app and website both show your payment history and upcoming due dates, so you can track what you have paid and what still owes.
Paying by mail or phone
To pay by mail, write a check to Synchrony Bank and mail it to the address printed on your statement. Include your account number on the check. Mail takes 7 to 10 business days to arrive, so send it at least 10 days before your due date to avoid a late fee.
You can also call the number on the back of your card or on your statement to pay by phone. Synchrony may charge a fee for phone payments made with a debit card or prepaid card, though payments from a bank account typically do not carry a fee. Ask about the fee before you complete the payment.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Synchrony account, go to the payments or account settings section, and select "Set Up Automatic Payment." Choose the amount (minimum payment, a fixed dollar amount, or the full statement balance), the date each month you want it to post, and the bank account to draw from.
You can change your automatic payment amount or date anytime, or cancel it entirely. If your bank account does not have enough money on the payment date, the payment will fail and you may face a late fee. Synchrony will notify you if an automatic payment does not go through, giving you time to pay manually or update your bank account information.
Understanding due dates and late fees
Your statement shows a minimum payment due date, usually 21 to 25 days after your statement closes. Paying by this date avoids a late fee, which typically ranges from $25 to $40 depending on your account history. A late payment also triggers a higher interest rate on your balance, sometimes called a penalty rate, which can last for six months or longer.
Paying only the minimum does not stop interest from building on your remaining balance. If you carry a balance, interest accrues daily at your card's annual percentage rate (APR). Paying more than the minimum reduces the total interest you pay over time, especially if you are working to pay off the card.
What to do if you miss a payment
If you miss your due date, contact Synchrony as soon as you realize it. Call the number on your statement or log into your account to make a payment when ready. Synchrony may waive a first late fee if you have a good payment history and call within a few days of the missed date, though this is not may provide.
A missed payment stays on your credit report for seven years and can lower your credit score. If you are struggling to pay, ask Synchrony about hardship programs or payment plans. Some cardholders can negotiate a lower interest rate or a temporary pause on payments, though you will still owe the balance.
Payment timing and posting
The day you submit a payment and the day it posts to your account are not always the same. Online payments submitted before the cutoff post the same business day. Mailed checks take 7 to 10 business days from the date you mail them. Phone payments post within one to two business days depending on the payment method.
Your due date is based on when the payment posts, not when you submit it. If your due date is the 15th and you mail a check on the 10th, the payment may not post until after the 15th, triggering a late fee even though you sent it on time. For this reason, online payments are safer when you are close to your due date.
Frequently Asked Questions
Can I pay my Amazon Synchrony Card with another credit card?
No, Synchrony does not accept credit card payments. You can pay only from a bank account, debit card, or by mailing a check. Paying a credit card with another credit card typically counts as a cash advance and carries high fees and interest.
What happens if I pay more than I owe?
Synchrony holds the overpayment as a credit on your account. You can use it toward your next purchase or request a refund. Contact Synchrony to request a refund if you prefer to receive the money back to your bank account.
Is there a fee for paying online or through the app?
No, Synchrony does not charge a fee for online or app payments made from a bank account. Phone payments and mailed checks are also free, though phone payments with a debit card may carry a fee.
Can I pay my Amazon Synchrony Card bill through Amazon.com?
No, you must pay through Synchrony directly. Amazon does not process payments for the Synchrony card. You can access your Synchrony account through the Synchrony website or app.
What if my automatic payment fails?
Synchrony will send you a notification that the payment did not go through. Log into your account and make a manual payment when ready to avoid a late fee. Update your bank account information if the account no longer has funds or has been closed.