Amazon Store Card payments go to Synchrony Bank, not Amazon directly
The Amazon Store Card is issued by Synchrony Bank, so you send payments to Synchrony, not to Amazon. You can pay online through your Synchrony account, by phone, by mail, or through automatic transfers. Synchrony processes the payment and credits it to your card balance.
Your billing statement and payment instructions come from Synchrony. If you signed up for the card online, you should have received a welcome packet with account details. If you did not, you can set up your Synchrony account at the Synchrony website using your card number and Social Security number.
Key Takeaways
- Synchrony Bank, not Amazon, receives and processes all Amazon Store Card payments.
- You can pay online through your Synchrony account, by automated phone system, by mail, or through automatic monthly transfers.
- Your minimum payment and due date appear on your monthly statement from Synchrony.
- Paying before the due date avoids late fees; paying the full balance avoids interest charges on purchases.
Setting up your Synchrony account online
Go to Synchrony's website and select "Log In" or "Enroll" depending on whether you have already created an account. You will need your Amazon Store Card number and the last four digits of your Social Security number. After you log in, you can view your balance, statement, and payment history.
Once your account is active, you can make a one-time payment or set up automatic monthly payments. Automatic payments can be scheduled for your full statement balance, your minimum payment, or a fixed amount you choose. Most people set it to the full balance to avoid interest charges.
Paying online through Synchrony
Log into your Synchrony account and select "Make a Payment." Enter the amount you want to pay and choose the date. Synchrony will ask for your bank account information if you have not saved it before. The payment typically posts within one business day.
You can also pay through the Synchrony mobile app if you prefer to manage your account on your phone. The app shows your balance, recent transactions, and payment options in the same way the website does.
Paying by phone or mail
Call the number on the back of your Amazon Store Card to reach Synchrony's automated payment line. You will need your card number and a bank account or debit card to complete the payment. A representative can also help you if you press a button to speak to someone.
To pay by mail, write a check to Synchrony Bank and include your card number on the check. Mail it to the address shown on your statement. Mailed payments take longer to post — typically five to seven business days — so send it early if your due date is coming up.
Understanding your due date and minimum payment
Your statement shows a due date and a minimum payment amount. The due date is the last day to pay without a late fee. The minimum payment is the smallest amount Synchrony will accept; paying only the minimum means you will owe interest on the remaining balance.
If you pay the full statement balance by the due date, you will not owe interest on purchases made during that billing cycle. This is true even if you carry a balance from a previous month. Paying only the minimum means interest starts building on the unpaid portion right away.
What happens if you miss a payment
A late fee applies if your payment does not arrive by the due date. The fee amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more.
A missed payment also affects your credit score. Synchrony reports payments to the three major credit bureaus, so a late or missed payment can lower your score and make it harder to borrow money later. If you know you will miss a due date, call Synchrony before it happens — they sometimes work with cardholders on timing.
Automatic payments and how to set them up
Automatic payments take money from your bank account on a date you choose each month. You can set them up through your Synchrony account or by calling Synchrony's payment line. You will need your bank routing number and account number.
Choose whether you want to pay your full statement balance, your minimum payment, or a fixed dollar amount each month. Most cardholders choose the full balance to avoid interest. You can change or cancel automatic payments anytime through your account.
Frequently Asked Questions
Can I pay my Amazon Store Card through Amazon.com?
No. Amazon does not process payments for the Store Card. You must pay through Synchrony Bank using their website, phone line, or mail. You can view your card balance in your Amazon account, but payments go to Synchrony only.
How long does it take for a payment to show up?
Online and phone payments typically post within one business day. Mailed checks take five to seven business days. If you are close to your due date, pay online or by phone to make sure the payment arrives on time.
What if I pay more than my statement balance?
The extra amount becomes a credit on your account. Synchrony will apply it to your next statement balance automatically. You can also request a refund of the credit if you prefer.
Can I set up automatic payments for a specific dollar amount?
Yes. When you set up automatic payments, you can choose a fixed amount instead of your full balance or minimum payment. This works well if you want to pay the same amount every month, but make sure it is at least your minimum payment to avoid late fees.
What should I do if I think my payment was lost in the mail?
Log into your Synchrony account to check whether the payment posted. If it has not appeared after seven business days, call Synchrony with your check number and mailing date. They can trace it or help you make another payment to avoid a late fee.