How to remove an Amazon credit card from your account
You can remove an Amazon credit card in two ways: delete it from your Amazon account so it no longer appears in your payment methods, or close the card itself through the card issuer. Deleting the card from Amazon takes minutes and stops Amazon from charging it, but the card account remains open. Closing the card through the issuer (usually Chase or Synchrony, depending on which Amazon card you hold) permanently ends the account and affects your credit report.
Most people who want to "remove" an Amazon card actually want to stop using it for purchases — which means deleting it from your Amazon account is enough. Close the card itself only if you want the account to end entirely, or if you're concerned about fraud.
Key Takeaways
- Deleting the card from Amazon takes two minutes and stops new charges, but leaves the card account open with the issuer.
- Closing the card through Chase or Synchrony (the two main Amazon card issuers) ends the account permanently and shows on your credit report.
- You can delete a card from Amazon by going to Your Account > Login & Security > Manage payment methods, then selecting the card and choosing Delete.
- If you close the card, pay off any remaining balance first and confirm the issuer has marked it closed before assuming it is gone.
- Closing a credit card can lower your credit score temporarily because it reduces your total available credit.
Deleting the card from your Amazon account
To stop Amazon from using a card without closing the card itself, log into your Amazon account and go to Your Account (the menu in the top right). Select Login & Security, then scroll down to Manage payment methods. Find the Amazon card you want to remove, click the three dots or menu icon next to it, and select Delete. Amazon will ask you to confirm; once you do, the card is removed from your account.
After you delete it, Amazon cannot charge that card for new purchases. Any existing subscriptions (Prime, Kindle Unlimited, etc.) will need a different payment method, or they will fail at the next billing date. If you have an active order using that card, it will still process — deletion only affects future charges.
Closing the card through the issuer
To close the Amazon credit card account itself, you must contact the company that issued it. The two main issuers are Chase (for the Amazon Prime Rewards Visa Signature Card and the Amazon Prime Rewards Visa Card) and Synchrony (for the Amazon Store Card). Check your card or your most recent statement to see which company issued yours.
For Chase cards: Call the number on the back of your card or go to chase.com and log into your account. Select the card, go to Account Services, and look for a Close Account or Manage Account option. You can also call Chase directly at the customer service number on your statement. Have your card number ready.
For Synchrony cards: Call the number on the back of your card or visit mysynchrony.com. Log in, select your Amazon card, and look for Account Services or Close Account. Synchrony may also let you request closure through their mobile app.
Before you close the card, pay off any remaining balance. Most issuers will not close an account with an outstanding balance, and even if they do, you will still owe the money. After you request closure, ask the issuer to confirm in writing that the account is closed, or note the date and time you called and the name of the representative you spoke with.
What happens to your credit when you close the card
Closing a credit card affects your credit score in two ways. First, it reduces your total available credit, which can raise your credit utilization ratio (the amount you owe divided by your total credit limit). A higher utilization ratio can lower your score temporarily. Second, closing an account removes it from your active accounts, which may shorten the average age of your accounts if this card was older than your other cards.
The impact is usually temporary and most significant if you close the card while carrying balances on other cards. If you have paid off the card and have low balances elsewhere, the score drop is often small. The closed account will remain on your credit report for seven to ten years, so the damage fades over time.
If you want to keep the card but stop using it
You do not have to close the card to stop using it. Simply delete it from your Amazon account (as described above) and stop using it for other purchases. Keeping the account open actually helps your credit score in some ways — it preserves your available credit and keeps the account history on your report.
If you are worried about fraud or unauthorized charges, you can also call the issuer and ask them to freeze or lock the card so it cannot be used, without closing the account. This is useful if you think the card number was compromised but you want to keep the account active.
Removing a card if you no longer have it
If your Amazon card was lost, stolen, or destroyed, you can still delete it from your Amazon account using the same steps above. For closing the account with the issuer, call Chase or Synchrony and report the card missing. They will cancel it and issue a replacement if you want one, or close the account entirely if you do not.
If someone else is using your card without permission, report it to the issuer immediately by calling the number on your statement or your most recent bill. Do not wait to delete it from Amazon first — fraud reports should go to the card company right away. The issuer will investigate and may reverse unauthorized charges.
Frequently Asked Questions
Will deleting the card from Amazon close the card account?
No. Deleting the card from Amazon only removes it from your payment methods on Amazon. The card account remains open with Chase or Synchrony, and you can still use the physical card elsewhere. To close the account, you must contact the issuer directly.
Can I delete an Amazon card if I have an unpaid balance?
Yes, you can delete it from Amazon at any time. However, you still owe the balance to the issuer. Deleting it from Amazon does not erase the debt — it only stops Amazon from charging new purchases to that card. Pay the balance through the issuer's website or by mail.
How long does it take to close an Amazon credit card?
Closure is usually immediate when you call or request it online, but it can take a few business days to show on your credit report. Ask the issuer for a confirmation number and note the date. If the account still appears open after five business days, call back to confirm.
Will closing my Amazon card hurt my credit score?
It may lower your score temporarily because it reduces your available credit and removes an active account. The impact is usually small if you have no balance and other cards with low balances. The effect fades over time as the closed account ages on your report.
What if I want to reopen the card after closing it?
Once you close a credit card account, you cannot reopen it. You would have to apply for a new card. If you think you might use the card again, consider keeping it open and simply not using it instead of closing it.