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 phone with Chase customer service. The website and app are fastest if you have your account details handy. Calling Chase gives you a live person if you have questions about your balance or need to set up a payment plan.
Payments made online or through the app usually post within one business day. Phone payments can take up to two business days. If your payment due date is within three days, call Chase directly at the number on the back of your card rather than relying on online processing time.
You can also set up automatic payments so the full balance, a fixed amount, or a minimum payment withdraws from your bank account on a date you choose. This prevents missed payments and late fees, though you should still check your statement each month to catch billing errors.
Key Takeaways
- Pay online through Amazon.com or the Amazon app by logging into your account and selecting "Make a Payment" — this is the fastest method and posts within one business day.
- Call Chase at the number on your card to pay by phone, which takes up to two business days and works if you do not have online access or need to speak with someone.
- Set up automatic payments through your Chase account to avoid late fees, choosing whether to pay the full balance, a fixed amount, or the minimum each month.
- If your due date is within three days, call Chase rather than paying online, since phone payments can take longer to process.
- Late payments trigger a fee and can raise your interest rate, so mark your due date on a calendar or set a phone reminder if you do not use automatic payments.
Paying through Amazon.com or the app
Log into your Amazon account and go to "Account" in the top right corner. Select "Login & Security" or scroll to find "Your Account" settings. Look for a section labeled "Amazon Credit Card" or "Manage Your Credit Card." Click on it and you will see an option to "Make a Payment."
Enter the amount you want to pay — you can pay any amount from the minimum due up to your full balance. Choose the bank account you want the money to come from and confirm the payment. Amazon will show you a confirmation number. Write it down or take a screenshot in case you need to reference it later.
If you cannot find the payment option in your Amazon account, try the Amazon mobile app instead. Open the app, tap the menu icon (three horizontal lines), go to "Account," then look for "Your Credit Card" or "Manage Your Card." The steps are the same from there.
Paying by phone with Chase
Call the number on the back of your Amazon credit card. This connects you to Chase customer service, which handles all Amazon credit card accounts. Have your card number and the amount you want to pay ready before you call.
A representative will confirm your identity by asking for your Social Security number or other personal details. Tell them you want to make a payment and provide the amount and the bank account you want it drawn from. They will give you a confirmation number — ask them to repeat it and write it down.
Payments by phone are processed as electronic transfers and can take up to two business days to show on your account. If you are calling close to your due date, ask the representative when the payment will post and whether they can note your account that you have called to pay.
Setting up automatic payments
Automatic payments prevent late fees by withdrawing money from your bank account on a date you choose each month. Log into your Chase account online or through the Chase mobile app. Go to "Payments" or "Manage Payments" and select your Amazon credit card.
Choose one of three payment options: pay the full statement balance each month, pay a fixed amount you set, or pay only the minimum due. Select the date you want the payment to come out — most people choose a few days after payday or a few days before the due date to give themselves a buffer.
You can change or cancel automatic payments anytime through your Chase account. If you set it to pay the full balance, your payment will adjust each month based on what you actually owe. If you set a fixed amount, make sure it is at least the minimum due, or you will still be charged a late fee.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Chase charges a late fee. The amount depends on your balance — typically $25 to $40 for the first late payment and up to $40 for later ones. The late fee is added to what you owe.
A late payment also raises your interest rate. Your card may have started with one rate, but after a late payment, Chase can increase it to a higher "penalty rate." This higher rate stays in place for at least six months, even if you pay on time after that.
If you realize you will miss a due date, call Chase before the date passes. Explain your situation — sometimes they can waive a single late fee or work out a payment plan. They cannot erase the late payment from your credit report, but avoiding the fee and penalty rate is still worth the call.
Paying more than the minimum
Your statement shows a minimum payment due, but paying only the minimum means you carry a balance and pay interest each month. If you pay more than the minimum — or pay the full balance — you avoid interest charges on that portion.
You can pay any amount between the minimum and your full balance whenever you want, not just on the due date. Many people make multiple payments per month to stay on top of their balance. Each payment posts within one business day if you pay online, so you can watch your balance drop in real time.
If you carry a balance, the interest rate on your Amazon credit card is listed in your account as the "APR" or annual percentage rate. The higher your balance, the more interest you pay each month. Paying down the balance faster saves you money in interest.
If you cannot pay right now
If you cannot pay your full balance or even the minimum, contact Chase as soon as possible. Do not wait until after the due date. Explain your situation — job loss, medical emergency, or other hardship — and ask what options exist.
Chase may offer a temporary hardship plan that lowers your minimum payment for a few months, pauses interest charges, or extends your due date. These programs are not automatic, so you have to ask. The sooner you call, the more options they may have.
If you are struggling with credit card debt across multiple cards, a nonprofit credit counselor can help you understand your options. The National Foundation for Credit Counseling (NFCC) offers free or low-cost sessions. You can find a counselor near you at nfcc.org.
Frequently Asked Questions
Can I pay my Amazon credit card bill through my bank?
Some banks let you pay bills through their bill-pay system, but this is slower than paying directly through Amazon or Chase. If you use your bank's bill-pay, make sure the payment arrives at least three days before your due date, since it takes time for the payment to reach Chase. Paying directly through Amazon or the Chase app is faster and more reliable.
What if I pay online but the payment does not show up?
Online payments usually post within one business day. If more than two business days have passed and you do not see the payment, call Chase with your confirmation number. They can look up the payment and tell you when it will post. Keep your confirmation number until the payment appears on your statement.
Do I have to pay the full balance every month?
No. You can pay any amount from the minimum due up to your full balance. However, if you pay less than the full balance, you will owe interest on the remaining amount at your card's APR. Paying the full balance each month avoids interest charges entirely.
Can I change my due date?
Yes. Call Chase or log into your account online and look for "Manage Your Account" or "Account Settings." You can request a different due date, and Chase will usually honor the request within one or two billing cycles. Changing your due date can help you align your payment with when you get paid.
What if I overpay my credit card?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can call Chase and ask them to refund the overpayment to your bank account. There is no penalty for overpaying.