Amazon Chase payments go through Chase, not Amazon, because Chase Bank issues the Amazon Prime Rewards Visa Card

The Amazon Prime Rewards Visa Card is a co-branded credit card issued by Chase Bank. When you make a payment on this card, you are paying Chase directly, not Amazon. This matters because it changes where you send your payment, what methods you can use, and where to look if something goes wrong.

You can pay your Amazon Chase card online through the Chase website or mobile app, by phone, by mail, or in person at a Chase branch. The payment posts to your Chase account immediately (or within one business day for mailed checks), separate from your Amazon account balance.

If you have a different Amazon-branded card — such as the Amazon Business Prime American Express Card — that card is issued by American Express, and you would pay American Express instead. The payment method and timing depend on which card issuer you have.

Key Takeaways

  • The Amazon Prime Rewards Visa Card is issued by Chase Bank, so you pay Chase, not Amazon, through Chase's website, app, phone line, or mail.
  • Online and phone payments typically post within one business day; mailed checks take seven to ten business days to clear.
  • You can set up automatic payments through Chase to pay a fixed amount or your full balance on a date you choose each month.
  • Late payments are reported to credit bureaus after 30 days and can trigger penalty interest rates and fees.
  • If you have an Amazon Business card issued by American Express instead, you pay American Express using their separate payment system.

Paying online through Chase's website or app

Log into your Chase account at chase.com or open the Chase Mobile app and select your Amazon Prime Rewards Visa Card from your accounts list. Click "Make a Payment" and enter the amount you want to pay. Chase will ask you to confirm the payment method (usually a bank account) and the date you want the payment to post.

Online payments typically post within one business day. If you are paying close to your due date, Chase recommends paying at least two business days early to avoid a late fee. You can make a payment at any time, and there is no limit on how many payments you can make in a month.

The Chase app also shows your current balance, due date, and recent transactions in one place, which makes it easier to track what you owe before you pay.

Setting up automatic payments

Chase allows you to set up automatic payments that deduct money from your bank account on a date you choose each month. You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment.

To set this up, log into Chase online, go to your card settings, and select "Autopay." You will need to provide your bank account number and routing number. Once autopay is active, Chase will pull the payment automatically on your chosen date each month, and you will receive a confirmation email.

Automatic payments reduce the risk of missing a due date, but you should still check your statement each month to make sure the payment amount is what you expected. If your balance changes significantly, you may want to adjust your autopay amount.

Paying by phone or mail

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

To pay by mail, send a check to the address printed on your statement. Write your card number on the check and mail it to the address listed under "Payment Address" on your bill. Mailed checks take seven to ten business days to clear, so mail your payment at least two weeks before your due date if you want to avoid a late fee.

Paying by phone or mail is slower than online payment and offers fewer records of the transaction, so online payment is usually the better choice unless you do not have internet access.

What happens if you miss a payment

If your payment does not arrive by the due date on your statement, Chase will charge a late fee (typically $25 to $40 for the first late payment, more for repeat late payments). Your interest rate may also increase to the penalty rate listed in your card agreement, which is usually higher than your regular purchase rate.

After 30 days past due, Chase reports the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion). This stays on your credit report for seven years and can lower your credit score. After 120 days past due, Chase may close your account or send the debt to a collection agency.

If you miss a payment by a few days, contact Chase immediately. Some cardholders can have a single late fee waived if they have a good payment history and call within a few days of the missed due date.

Paying in person at a Chase branch

You can walk into any Chase bank branch and make a payment on your Amazon Prime Rewards Visa Card at the teller window. Bring your card or your account number and the amount you want to pay. The teller will process the payment and give you a receipt.

In-person payments post within one business day, the same as online or phone payments. This option is useful if you prefer to handle money in person or if you do not have online access, but it requires a Chase branch near you during business hours.

Understanding your statement and due date

Your Chase statement shows your opening balance, all transactions during the billing period, your closing balance, your minimum payment, and your due date. The due date is usually the same day each month (for example, the 15th). You must pay at least the minimum payment by this date to avoid a late fee.

If you pay only the minimum, the remaining balance carries over to the next month and accrues interest at your card's purchase rate (usually 18% to 25% APR, depending on your creditworthiness). Paying your full balance each month avoids interest charges and is the cheapest way to use the card.

Your statement is available online through Chase about one week after your billing period closes. You can view it anytime in the Chase app or on the website, and you can choose to receive paper statements by mail if you prefer.

Frequently Asked Questions

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

No. Amazon does not process payments for the Amazon Prime Rewards Visa Card. You must pay through Chase using their website, app, phone line, or mail. Paying through Amazon's website will not work and may cause confusion about whether your payment posted.

What if I have an Amazon Business card instead of the Prime Rewards card?

The Amazon Business Prime American Express Card is issued by American Express, not Chase. You pay American Express directly through their website (americanexpress.com), app, or phone line. The payment process is similar, but the company handling your account is different.

How long does it take for a payment to post after I pay online?

Online payments typically post within one business day. If you pay on a Friday evening, the payment may not post until Monday. If you are paying close to your due date, Chase recommends paying at least two business days early to be safe.

Can I pay more than my statement balance?

Yes. You can pay any amount up to your credit limit. Paying more than you owe creates a credit balance on your account, which Chase will apply to your next statement or refund to you if you request it.

What should I do if my payment was lost in the mail?

Contact Chase immediately and provide the date you mailed the check and the amount. Chase can investigate whether the check cleared. If it did not, you may need to stop payment on the original check and send a new payment online or by phone to avoid a late fee.