How Amazon Card payments work

The Amazon credit card (issued by Chase) works like any other credit card — you charge purchases, receive a bill, and pay it back. You can pay your bill online through your Chase account, by phone, by mail, or through automatic payments. The card itself doesn't require a special payment method; you use whatever payment option Chase offers to cardholders.

Your payment goes to Chase, not to Amazon. Amazon issues the card in partnership with Chase, but Chase owns the account and handles all billing. This matters because you'll log into Chase's website or app to see your bill and make payments, not Amazon's site.

Payments are due by the date listed on your statement — typically 21 to 25 days after your statement closes. If you pay in full by that date, you won't pay interest. If you pay only part of the balance, Chase charges interest on the remaining amount at the rate listed in your card agreement.

Key Takeaways

  • You pay your Amazon card bill through Chase's website, app, or by phone — not through Amazon itself.
  • Payments are due by the date on your statement, and paying the full balance by that date means no interest charges.
  • You can set up automatic payments so the bill is paid on a schedule you choose, reducing the risk of missing a due date.
  • Late payments trigger interest charges and can damage your credit score, so setting a calendar reminder or autopay is worth the effort.

Paying online through Chase

Log into your Chase account at chase.com or through the Chase Mobile app. Find your Amazon card account and look for a "Pay Bill" or "Make a Payment" button. Enter the amount you want to pay and choose your payment method — usually a bank account or another card on file.

Online payments typically post within one business day. If you're close to your due date, pay at least two business days early to be safe. Chase will show you a confirmation number after you submit; save or screenshot this for your records.

If you don't have a Chase account set up yet, you'll need to create one using your card number and other identifying information. This is free and takes about five minutes.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. In your Chase account, go to the settings or preferences section and look for "Autopay" or "Automatic Payments." You can choose to pay the full statement balance, a fixed dollar amount, or the minimum payment each month.

Most people choose to pay the full balance automatically so they never carry interest. You can change or cancel autopay anytime, and you'll receive a confirmation email each time a payment is scheduled.

Set the payment date for a few days before your due date. This gives you a buffer if there's a processing delay and ensures the payment posts on time.

Paying by phone or mail

To pay by phone, call the number on the back of your Amazon card. A representative will ask for your account information and the amount you want to pay, then process the payment over the phone. Phone payments usually post within one business day.

To pay by mail, send a check to the address listed on your statement. Write your account number on the check. Mail payments take longer — typically 7 to 10 days — so mail your payment well before the due date to avoid late fees.

Phone and mail payments are less convenient than online or automatic options, but they work if you don't have internet access or prefer not to use digital payments.

What happens if you miss a payment

If your payment doesn't arrive by the due date, Chase charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). You'll also start paying interest on your balance at your card's regular rate.

More importantly, a late payment is reported to credit bureaus and can lower your credit score. Even one late payment can affect your ability to borrow money for a car, home, or other major purchase. If you realize you've missed a payment, contact Chase immediately — sometimes they'll waive a late fee if it's your first one and you pay right away.

If you're struggling to pay, call Chase and ask about hardship options. They may be able to lower your interest rate temporarily or work out a payment plan.

Understanding your statement and due date

Your statement shows all charges from the previous month, any fees, the interest you've paid, and your current balance. It also lists your due date and minimum payment (the smallest amount you can pay without a late fee).

The due date is always the same day each month. If that day falls on a weekend or holiday, your due date moves to the next business day. Check your statement each month to confirm the exact date — it's printed near the top.

Your statement balance is the total you owe as of the statement closing date. If you've made charges after the statement closed, those won't appear until next month's statement, but you'll still owe them.

Amazon rewards and payment timing

The Amazon card offers rewards on purchases — typically 5% back at Amazon and Whole Foods, and 2% or 1% elsewhere depending on the card version. These rewards post to your account automatically; you don't have to do anything to earn them.

Your payment doesn't affect your rewards. Whether you pay in full, make a minimum payment, or carry a balance, you still earn the same rewards on your purchases. However, if you carry a balance and pay interest, that interest often costs more than the rewards are worth, so paying in full is usually the better choice financially.

Frequently Asked Questions

Can I pay my Amazon card bill through Amazon.com?

No. Amazon doesn't handle billing for the card — Chase does. You must pay through Chase's website, app, or by calling the number on your card. Amazon's website has no payment option for the card bill.

What's the difference between the statement balance and the current balance?

The statement balance is what you owed on the date your statement closed — usually the 1st or 15th of the month. The current balance includes charges you've made since then. You owe both amounts, but only the statement balance is due by the due date. New charges are due on next month's due date.

Do I have to pay the full balance, or can I pay just the minimum?

You can pay any amount between the minimum and the full balance. However, if you pay less than the full balance, Chase charges interest on the remaining amount. Paying the full balance avoids interest entirely.

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

Online and phone payments typically post within one business day. Mail payments take 7 to 10 days. If you're paying close to your due date, use online or phone payment to be safe.

What if I want to close my Amazon card account?

Pay off your full balance first, then contact Chase to request account closure. You can call the number on your card or go through your online account. Closing the account won't affect payments you've already made, but it will stop you from making new charges.