How to contact Amazon credit card customer service
Amazon credit card customer service is handled by Chase, the bank that issues the card. You cannot reach them through Amazon's main customer service line. Instead, you call the number on the back of your physical card, which connects you directly to Chase's credit card support team.
The phone number appears on your statement and in your online account portal as well. Chase operates this line during business hours, typically Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 5 p.m. Eastern time. Wait times vary depending on call volume.
If you do not have your card handy, you can log into your Amazon.com account, go to "Login & security," and find the credit card issuer information there. You can also visit Chase.com and use their contact options to find the specific number for Amazon credit card holders.
Key Takeaways
- Amazon credit cards are issued by Chase, so you contact Chase directly, not Amazon, for account issues.
- The fastest route is the phone number printed on the back of your card, which routes you to the right department when ready.
- Chase customer service operates during standard business hours, with extended weekend hours on Saturday and Sunday.
- You can also reach Chase through their website or by logging into your Amazon.com account to find contact details.
- Common reasons to call include reporting fraud, disputing a charge, asking about rewards, or updating your account information.
What you can handle online versus by phone
Many account changes do not require a phone call. Log into your Chase account at Chase.com or through the Amazon.com portal to view your balance, make payments, update your address, change your PIN, or review recent transactions. You can also read statements and set up automatic payments online.
Call Chase directly if you need to report a lost or stolen card, dispute a transaction you do not recognize, discuss a fraud alert, or ask about your rewards balance and redemption options. You should also call if you want to request a credit limit increase, discuss a late payment, or ask about your account status.
For questions about how rewards work or which Amazon purchases earn bonus points, Chase can answer these, but you may also find the answer faster in the rewards terms on Chase.com or in your Amazon.com account under "Your Amazon Rewards Visa Signature Card."
Reporting fraud or a lost card
If your card is lost or stolen, call the number on the back of your card when ready. Chase can freeze your account within minutes. If you cannot reach your card, call Chase's main customer service line — the number is on your statement or at Chase.com — and tell them you need to report a lost card.
If you see a charge you did not make, call Chase to report it. Have your statement ready and be prepared to describe the transaction. Chase will ask when you first noticed the charge and whether you recognize the merchant name. They will then begin a dispute process, which typically takes 30 to 60 days.
During a dispute, Chase may issue you a temporary credit while they investigate. You are not responsible for fraudulent charges under federal law, but reporting them quickly protects your account and speeds up the investigation.
Understanding your rewards and how to redeem them
Amazon credit cards earn rewards in the form of points or cash back, depending on which card you hold. The Amazon Rewards Visa Signature Card earns 3% cash back at Amazon and Whole Foods, and 1% elsewhere. The Amazon Business Prime Rewards Card has different earning rates for business purchases.
You can check your rewards balance by logging into Chase.com or your Amazon.com account. Rewards are usually posted within one to three business days of a purchase. To redeem, log into your Amazon account, go to "Your Account," and look for "Amazon Rewards" or "Your Points." You can then explore your balance as a statement credit or toward an Amazon purchase.
If you have questions about whether a specific purchase earned rewards, or if a reward did not post when you expected it, call Chase. They can see the transaction details and tell you whether it may have access to for bonus points. Some purchases — like gift cards or certain third-party sellers — may not earn rewards, and Chase can clarify the rules for your specific card.
Disputing a charge and the investigation process
To dispute a charge, call Chase and describe the transaction. You will need the date, amount, and merchant name. Chase will ask whether you authorized the charge, whether you received the item or service, or whether the charge was fraudulent. Your answer determines how they handle the dispute.
If the item did not arrive or was not as described, Chase may ask you to contact the merchant first. If the merchant will not refund you, Chase can then open a dispute on your behalf. This is called a chargeback. The process usually takes 30 to 60 days, and Chase will notify you by mail or through your online account.
During the investigation, Chase may issue a temporary credit to your account. If the investigation finds in your favor, the credit becomes permanent. If it finds against you, Chase will remove the credit and explain why. You have the right to respond to Chase's findings if you disagree.
Updating your account and managing your card settings
You can change your mailing address, phone number, and email through your Chase online account without calling. Log into Chase.com, go to "Profile & Settings," and update your information. Changes usually take effect within one business day.
To change your PIN, log into your Chase account and select "Card Services," then "Change PIN." You can also call Chase and request a PIN change over the phone. If you forget your PIN, call Chase and they can reset it for you.
If you want to set up automatic payments, log into your Chase account and choose "Payments," then "Set up automatic payment." You can pay the full balance, the minimum payment, or a fixed amount each month. Automatic payments reduce the risk of late fees and help you stay on top of your balance.
What to do if you cannot reach customer service
If you call during off-hours, Chase's automated system will offer to take a message or direct you to their website. You can also send a find message through your Chase online account. Log in, go to "Messages," and select "Send a message." Chase typically responds within one to two business days.
If you have a complex issue that requires escalation, ask the representative to note it in your account and request a callback from a supervisor. Provide your phone number and preferred time to be reached. Chase aims to follow up within 24 hours on escalated issues.
For billing disputes or complaints about how Chase handled your account, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at ConsumerFinance.gov. The CFPB forwards complaints to Chase, which must respond within 15 days. This route is slower but creates an official record if you believe Chase has not resolved your issue fairly.
Frequently Asked Questions
Can I reach Amazon credit card support through Amazon customer service?
No. Amazon credit cards are issued by Chase, not Amazon. You must contact Chase directly using the number on your card. Amazon's customer service team cannot access your credit card account or resolve credit card issues.
What happens if I call Chase and my issue is about an Amazon purchase?
Chase handles the credit card side — your balance, payments, disputes, and rewards. If your issue is about the Amazon purchase itself (like a return or refund), you will need to contact Amazon separately. Chase can dispute the charge if the item never arrived or was not as described, but Amazon handles the product issue.
How long does it take to get a refund after I dispute a charge?
Chase typically issues a temporary credit within two to three business days of opening a dispute. The full investigation takes 30 to 60 days. If Chase rules in your favor, the temporary credit becomes permanent. If they rule against you, the credit is removed.
Can I change my rewards redemption method after I have already redeemed points?
Once you redeem points as a statement credit or Amazon purchase, the transaction is final. You cannot reverse it or change how the points were used. If you made a mistake, call Chase and explain the situation — they may be able to help, but it depends on how recently you redeemed.
What should I do if I think Chase made an error on my statement?
Call Chase and describe the charge you believe is wrong. Have your statement ready. Chase will review the transaction and either confirm it is correct or investigate further. If it is an error, they will correct it and may issue a credit. Keep records of all communications in case you need to escalate the issue.