How Amazon Credit Card Payments Work
The Amazon credit card is issued by Chase, so you pay your bill through Chase's payment system, not through Amazon itself. You can pay online, by phone, by mail, or in person at a Chase branch. The payment goes to Chase, and the due date appears on your statement each month — usually 21 to 25 days after your statement closes.
Your statement closing date and payment due date are two different things. The closing date is when Chase tallies up that month's charges; the due date is when payment must arrive. Missing the due date triggers a late fee and can raise your interest rate, even if you pay a few days after.
Key Takeaways
- Amazon credit card payments go to Chase online, by phone, by mail, or at a Chase branch — not to Amazon.
- You can set up automatic payments to avoid missing the due date, and you can choose to pay the full balance or the minimum amount.
- Paying online through Chase's website or app is the fastest method and shows as posted within one business day.
- If you pay late, Chase charges a late fee and may increase your interest rate, even if you catch up the next week.
- The statement closing date and the payment due date are separate — your due date is usually 21 to 25 days after charges close.
Paying Online Through Chase
Log into your Chase account at chase.com or through the Chase Mobile app. Select the Amazon credit card account, then choose "Pay Now" or "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Enter the payment amount and confirm the date you want it to post.
Chase processes online payments submitted before 8 p.m. ET on a business day as same-day payments. If you submit after 8 p.m. or on a weekend, the payment posts the next business day. The money leaves your bank account within one to three business days, depending on your bank.
Online payment is the most direct route because you control the exact amount and date, and you get when ready confirmation. You can also set up a recurring automatic payment so the same amount posts on the same day each month.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. In your Chase account, go to "Payments" and select "Automatic Payments" or "Autopay." Choose the Amazon card, then decide whether to pay the full statement balance, the minimum payment, or a fixed dollar amount each month.
If you choose "full statement balance," Chase pays whatever you owe on the closing date, so your balance goes to zero each month. If you choose "minimum payment," Chase pays only the minimum required, and interest accrues on the remaining balance. A fixed dollar amount stays the same regardless of your balance.
You can change or cancel automatic payments anytime. If your balance drops below the amount you set, Chase will still deduct that amount, so review your settings if your spending changes.
Paying by Phone or Mail
To pay by phone, call the number on the back of your card or call Chase customer service at 1-800-935-9935. Have your account number and routing number ready if you are paying from a bank account. Phone payments take one to two business days to post.
To pay by mail, send a check or money order to the address on your statement. Write your account number on the check. Mail payments take seven to ten business days to arrive and post, so send them at least ten days before your due date to avoid a late fee.
Paying by phone or mail is slower than online payment and gives you less control over the exact posting date. Use these methods only if you cannot pay online.
Paying at a Chase Branch
You can walk into any Chase branch and pay your Amazon credit card bill in person with cash, check, or debit card. The teller will process the payment when ready, and it posts to your account the same day. This is useful if you prefer to handle money in person or if you have cash you want to deposit directly.
Find your nearest Chase branch at chase.com or through the Chase app. Bring your card or account number so the teller can explore the payment to the correct account.
What Happens If You Miss the Due Date
If your payment does not arrive by the due date, Chase charges a late fee. The fee amount depends on your account history — typically $25 to $35 for the first late payment, and up to $39 for subsequent ones within six months. The late fee appears on your next statement.
A late payment also triggers a penalty interest rate, which is higher than your regular APR. This rate applies to new purchases and existing balances. The penalty rate stays in effect for at least six months, even if you pay on time after that.
If you are more than 30 days late, Chase reports the late payment to the credit bureaus, and it appears on your credit report for seven years. This can lower your credit score and affect your ability to borrow money in the future.
Understanding Your Statement and Due Date
Your statement shows the closing date (when the billing period ends) and the due date (when payment must arrive). These dates are printed at the top of your paper statement or visible in your online account. The due date is always at least 21 days after the closing date, as required by federal law.
Your statement also shows the minimum payment due, which is usually 1 to 3 percent of your balance plus any fees and interest. Paying only the minimum means you carry a balance and pay interest on it. Paying the full statement balance avoids interest charges entirely.
If you have multiple Chase cards, each one has its own statement closing date and due date. Do not assume they are the same across all your cards.
Frequently Asked Questions
Can I pay my Amazon credit card through Amazon.com?
No. The Amazon credit card is a Chase product, so all payments go through Chase, not Amazon. You must pay through chase.com, the Chase app, by phone, by mail, or at a Chase branch. Amazon does not handle payments for this card.
What is the difference between the statement closing date and the due date?
The closing date is when Chase stops adding charges to that month's bill. The due date is when your payment must arrive to avoid a late fee. The due date is always at least 21 days after the closing date. Both dates appear on your statement.
If I pay online, when does the money leave my bank account?
Chase deducts the payment from your bank account within one to three business days after you submit it online. The payment posts to your credit card account the same day or the next business day. The timing depends on your bank's processing speed.
Can I change my automatic payment amount or date?
Yes. Log into your Chase account, go to "Automatic Payments," and edit the amount or date anytime. Changes take effect on your next scheduled payment. If you want to stop automatic payments entirely, you can cancel them the same way.
What happens if I only pay the minimum?
You avoid a late fee, but interest accrues on the remaining balance. The interest rate is your regular APR, which varies by creditworthiness. Paying only the minimum means you carry debt longer and pay more in interest over time.