Where to pay your Amazon credit card bill
You can pay your Amazon credit card bill through three main routes: the Amazon.com website, the Amazon mobile app, or by calling the card issuer directly. Most cardholders pay online because it is fastest and you can see your balance and payment history in one place.
The card is issued by either Chase Bank or Synchrony Financial, depending on which Amazon credit card you hold. Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Store Card. Synchrony issues the Amazon Store Card (the basic version without Prime). Your statement or card will tell you which issuer you have, and this matters because the payment portal differs between them.
If you pay through Amazon.com, you are paying Chase or Synchrony through Amazon's interface — the payment still goes to the card issuer, not to Amazon itself. Paying directly through the issuer's website (Chase.com or Synchrony.com) works the same way and takes the same amount of time.
Key Takeaways
- Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Store Card; Synchrony issues the basic Amazon Store Card — check your statement to know which issuer holds your account.
- You can pay online through Amazon.com, the Amazon app, Chase.com, or Synchrony.com, or by phone to the issuer's customer service line.
- Online payments typically post within one to three business days, though the exact timing depends on whether you pay from a bank account or another card.
- Your minimum payment due date appears on your statement, and paying after that date triggers a late fee and may affect your credit report.
- Setting up automatic payments through your bank or the card issuer can prevent missed payments, though you remain responsible if the automatic payment fails.
Paying through Amazon.com or the Amazon app
Log into your Amazon account and go to "Your Account," then select "Login & Security" or "Payments." Look for a section labeled "Credit Cards" or "Manage Payment Methods." You should see your Amazon credit card listed with an option to view your balance and make a payment.
Click on the card and select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum due, or any amount in between. Then confirm the bank account or payment method you want to use. The payment will process immediately, though it may take one to three business days to appear as posted on your account.
The Amazon app works the same way. Open the app, go to "Your Account," find your credit card, and select the payment option. You do not need to be shopping on Amazon to access this — the payment section is separate from the store.
Paying directly through Chase or Synchrony
If you prefer to pay outside of Amazon, you can go directly to Chase.com or Synchrony.com. Log into your account using the same username and password you use for your card statements. Navigate to the "Payments" or "Pay Bill" section and enter the amount and payment method.
Chase and Synchrony both allow you to pay from a checking or savings account, or sometimes from another card (though paying a credit card with another credit card usually triggers a cash advance fee). Paying from a bank account is the standard method and carries no extra cost.
Payments made before 8 p.m. Eastern Time on a business day typically post the next business day. Payments made after that time or on weekends post the following business day. Neither Chase nor Chase nor Synchrony processes payments on federal holidays.
Paying by phone
You can call the customer service number on the back of your card to make a payment over the phone. Have your card number and the bank account or payment method you want to use ready before you call.
Phone payments work the same way as online payments — the money goes to your card issuer, not to a third party — and they post on the same timeline. The advantage is that you can speak to a representative if you have questions about your balance or payment options. The disadvantage is that it takes longer than paying online.
Setting up automatic payments
Both Chase and Synchrony allow you to set up automatic payments that deduct money from your bank account on a date you choose each month. You can usually choose to pay the full balance, the minimum due, or a fixed amount.
Automatic payments reduce the risk of missing a payment deadline, but they do not eliminate it — if your bank account does not have enough money on the payment date, the payment will fail and you may be charged a late fee. Check your account a few days before the automatic payment is scheduled to make sure the funds are there.
You can set up automatic payments through Amazon.com, Chase.com, or Synchrony.com, or by calling the issuer. You can change or cancel an automatic payment at any time through the same portal where you set it up.
What happens if you miss a payment
If you do not pay by the due date shown on your statement, the card issuer will charge a late fee. The fee amount varies — Chase and Synchrony typically charge between $25 and $40 for the first late payment and up to $40 for subsequent ones within six months. The exact amount depends on your card terms.
A late payment also appears on your credit report and can lower your credit score. It stays on your report for seven years, though its impact on your score decreases over time. If you are more than 30 days late, the issuer may report it to credit bureaus. If you are more than 60 days late, your interest rate may increase.
If you miss a payment, contact the issuer as soon as possible. Paying the overdue amount stops additional late fees from accruing. Some issuers will waive a single late fee if you have a good payment history and call to ask, though they are not required to do so.
Understanding your statement and due date
Your statement shows your balance, the minimum payment due, and the due date. The due date is always the same day each month — for example, the 15th or the 25th. You must pay at least the minimum by that date to avoid a late fee.
Paying only the minimum means the rest of your balance carries over to the next month and accrues interest. The interest rate (called the APR, or annual percentage rate) is shown on your statement and varies based on your creditworthiness and current market rates. Paying the full balance avoids interest charges entirely.
Your statement also shows recent transactions, any fees you were charged, and your available credit. Review it each month to catch errors or unauthorized charges. If you spot a problem, contact the issuer within 60 days of the statement date to dispute it.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Online payments typically post within one to three business days. Payments made before 8 p.m. Eastern Time on a business day usually post the next business day. Payments made after that time or on weekends post the following business day. Federal holidays delay processing by one day.
Can I pay my Amazon credit card with another credit card?
Some payment portals allow it, but most card issuers treat payments from another credit card as a cash advance, which triggers a fee (usually 3 to 5 percent of the amount) and a higher interest rate. Paying from a bank account is the standard method and carries no extra cost.
What if I pay more than I owe?
The overpayment becomes a credit on your account and reduces your next bill. You can also request a refund of the overpayment by contacting the issuer, though some issuers require the overpayment to be above a certain amount (often $1) before they will refund it.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum due and the full balance. Paying only the minimum avoids a late fee but leaves the rest of your balance to accrue interest. Paying the full balance avoids interest charges entirely.
What should I do if I cannot pay by the due date?
Contact the issuer as soon as possible. Some issuers offer hardship programs or temporary payment plans if you explain your situation. Calling before the due date is better than calling after, because it may prevent a late fee from being charged.