Where to pay your Amazon credit card bill

You can pay your Amazon credit card bill through the card issuer's website or mobile app, by phone, or by mail. The issuer depends on which Amazon card you hold — most Amazon credit cards are issued by Chase Bank, but some older cards were issued by Synchrony Bank. Check your card or statement to see which bank issued yours.

The fastest and most direct route is logging into your issuer's online account portal. Chase cardholders go to Chase.com and sign in with their username and password. Synchrony cardholders use Synchrony.com. Both sites let you see your balance, make a one-time payment, or set up automatic payments without waiting on hold.

If you prefer not to use the website, you can call the customer service number on the back of your card. A representative can process a payment over the phone, though this takes longer than online payment. You can also mail a check to the address listed on your statement, but mail payments take 7 to 10 business days to reach the bank and post to your account.

Key Takeaways

  • Most Amazon credit cards are issued by Chase, though some are issued by Synchrony — check your card or statement to confirm which bank holds your account.
  • Online payment through your issuer's website is the fastest method and lets you pay immediately without calling or mailing a check.
  • You can set up automatic payments so your full balance or a minimum amount is paid on the same date each month.
  • Payments made online or by phone typically post within one to three business days, while mailed checks take 7 to 10 business days.

Paying online through Chase or Synchrony

To pay online, visit your issuer's website and sign in with your username and password. If you do not have an online account yet, you will need to create one — this usually takes a few minutes and requires your card number, Social Security number, and date of birth.

Once logged in, look for a link labeled "Make a Payment" or "Pay My Bill." You will enter the amount you want to pay and choose a payment date. Most issuers let you pay immediately or schedule a payment for a future date. You can pay from a checking or savings account linked to your card, or from another bank account if you provide the routing and account numbers.

After you submit the payment, you will see a confirmation number. Write this down or take a screenshot — it proves the payment was sent. The money typically posts to your account within one to three business days, though it may appear as pending immediately.

Setting up automatic payments

Both Chase and Synchrony let you set up automatic payments so you do not have to remember to pay each month. Log into your account, find the "Automatic Payments" or "Autopay" section, and choose how much you want to pay automatically.

You can set autopay to pay your full statement balance, a fixed dollar amount, or just the minimum payment due. Choose the date each month when the payment should be taken from your bank account — most people pick the same date their paycheck arrives or a few days after their statement closes.

Automatic payments reduce the risk of missing a payment deadline and damaging your credit score. You can change or cancel autopay anytime by logging back into your account, so setting it up does not lock you in permanently.

Paying by phone or mail

To pay by phone, call the number on the back of your card. A representative will ask for your account information and the amount you want to pay. They will confirm the payment date and give you a confirmation number. Phone payments usually post within one to three business days.

To pay by mail, write a check to the address shown on your statement. Write your account number on the check so the payment reaches the right account. Mail payments take 7 to 10 business days to arrive and post, so send your check at least two weeks before your due date if you want to avoid a late fee.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, the card issuer will charge a late fee — typically $25 to $35 for the first late payment, and up to $40 for subsequent ones within six months. A late payment also appears on your credit report and can lower your credit score.

If you realize you will miss a due date, contact your issuer immediately. Some issuers will waive a single late fee if you call before the due date and explain your situation, though they are not required to do so. Paying as soon as possible after the due date limits the damage to your credit score.

Understanding your statement and due date

Your statement shows the amount you owe, the due date, and the minimum payment required. The due date is always at least 21 days after your statement closes, so you have time to receive the bill and pay it. The minimum payment is usually 1 to 3 percent of your total balance.

Paying only the minimum leaves the rest of your balance to accrue interest at your card's annual percentage rate (APR). If you carry a balance month to month, paying more than the minimum saves you money on interest charges. Paying your full statement balance by the due date means you owe no interest at all.

Frequently Asked Questions

How long does it take for a payment to show up?

Online and phone payments usually post within one to three business days. Mailed checks take 7 to 10 business days. Payments may show as pending immediately after you submit them, but they are not officially posted until the issuer processes them.

Can I pay my Amazon credit card bill using Amazon Pay?

No. Amazon Pay is a separate payment service and cannot be used to pay your Amazon credit card bill. You must pay through Chase or Synchrony directly, depending on which bank issued your card.

What if I pay more than I owe?

If you overpay, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or contact your issuer to request a refund of the overpayment to your bank account.

Is there a fee to pay my credit card bill online?

No. Chase and Synchrony do not charge a fee for online or phone payments made through their official websites or customer service lines. Third-party payment processors may charge fees, so pay directly through your issuer's site to avoid extra costs.

Can I change my due date?

Yes. Both Chase and Synchrony let you request a different due date through your online account or by calling customer service. You can usually change your due date once per year, though policies vary by issuer.