Where to send your Amazon Synchrony card payment

You can pay your Amazon Synchrony card through three main routes: online through your Synchrony account, by phone, or by mail. The online method is fastest and shows up in your account when ready. The phone and mail routes take longer but work if you do not have internet access or prefer to speak with someone.

To pay online, log into your Synchrony account at mysynchrony.com using your username and password. From your account dashboard, select the card you want to pay (if you have more than one Synchrony card), then choose "Make a Payment". You can pay the full balance, the minimum payment, or any amount in between. The payment posts to your account the same day if you submit it before the cutoff time, which is usually 8 p.m. Eastern time on business days.

If you do not have a Synchrony account set up yet, you can create one at mysynchrony.com by entering your card number and other identifying information. This takes about five minutes and lets you see your balance, due date, and transaction history whenever you log in.

Key Takeaways

  • Online payment through mysynchrony.com is the fastest method and posts the same day if submitted before 8 p.m. Eastern time on business days.
  • Phone payments can be made by calling the number on the back of your card, and you can pay with a bank account or another card.
  • Mail payments should be sent to the address printed on your statement, and you should allow 7 to 10 business days for the payment to reach and post.
  • Automatic payments set up through your Synchrony account may support you never miss a due date, though you can change or cancel them anytime.
  • Late fees and interest charges begin if your payment does not arrive by the due date shown on your statement.

Paying by phone or automatic transfer

To pay by phone, call the customer service number on the back of your Amazon Synchrony card. A representative will ask for your account information and the amount you want to pay. You can pay from a checking or savings account (which takes one to two business days to post) or use another debit or credit card (which posts the same day). Phone payments are available seven days a week, though wait times are usually shorter on weekday mornings.

Automatic payments are the most reliable way to avoid late fees. In your Synchrony account, go to "Manage Automatic Payments" and set up a recurring payment for the due date each month. You can choose to pay the full balance, the minimum payment, or a fixed dollar amount. If your balance changes month to month, paying the full balance automatically ensures you carry no balance forward and pay no interest. You can pause or cancel automatic payments anytime through your account.

Mailing a check or money order

If you prefer to pay by mail, write a check or money order and send it to the address printed on your monthly statement. Do not send cash. Include your account number on the check or money order so Synchrony can match the payment to your account. Mail payments typically take 7 to 10 business days to arrive and post, so send your payment at least two weeks before your due date to avoid a late fee.

The mailing address changes depending on which payment center processes your card, which is why the address on your statement is the correct one to use. If you have lost your statement, you can find the mailing address by logging into your Synchrony account or calling the number on the back of your card.

What happens if your payment is late

A payment is considered late if it does not post to your account by 5 p.m. Eastern time on the due date. If you miss the due date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may raise your interest rate. The raised rate applies to any new purchases and to your existing balance if you carry one.

If you realize your payment will be late, call Synchrony when ready at the number on your card. Some representatives can waive a single late fee if you have a good payment history, though this is not may provide. Paying as soon as you notice the miss stops additional late fees from piling up.

Using third-party payment services

Some bill-pay services offered by banks and financial software companies allow you to schedule a payment to your Synchrony card. These services send a check on your behalf or transfer funds directly. If you use your bank's bill-pay feature, the payment usually arrives within 3 to 5 business days. Check with your bank about whether they charge a fee for this service — many do not for credit card payments.

Third-party payment apps should be used with caution. Verify that the service is sending the payment to the correct Synchrony address and that your account number is included. If a payment goes to the wrong address or lacks your account number, it may not post to your account, and you could be charged a late fee even though you sent the money.

Paying more than the minimum to reduce interest

The minimum payment keeps your account in good standing but does not reduce your balance quickly if you carry a large one. If you have a balance and want to pay less interest, pay more than the minimum whenever you can. Every dollar above the minimum goes directly to reducing your balance and the interest you owe.

For example, if your balance is $2,000 and your minimum payment is $50, paying $100 instead cuts your interest charges roughly in half over the life of the balance. You can pay extra by logging into your Synchrony account and choosing a higher payment amount, or by calling customer service and requesting a one-time extra payment. There is no penalty for paying more than you owe.

Frequently Asked Questions

Can I pay my Amazon Synchrony card through Amazon.com?

No. Amazon and Synchrony are separate companies, so you cannot pay your Synchrony card through Amazon's website or app. You must pay through mysynchrony.com, by phone, or by mail. Synchrony issues the card, so they handle all payments and account management.

What time does my online payment post?

Payments submitted before 8 p.m. Eastern time on a business day post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. Your Synchrony account shows the posting date when you submit the payment, so you know exactly when it will arrive.

Is there a fee to pay my bill online?

No. Synchrony does not charge a fee for online payments made through mysynchrony.com. Phone and mail payments are also free. Some third-party bill-pay services charge a fee, so check with your bank or service provider before using them.

Can I pay from a different bank account than the one I registered?

Yes. When you set up an automatic payment, you can change the bank account anytime through your Synchrony account. For one-time payments, you can use a different account by calling customer service and providing the new account details.

What should I do if my payment was sent but never posted?

Call Synchrony at the number on your card and provide the date you sent the payment and the amount. They can search their records to see if the payment arrived. If it was lost in the mail, you may need to send another payment and ask about a late fee reversal if you can show proof you sent the first one on time.