Call Amazon's customer service line to request cancellation

The fastest way to cancel an Amazon credit card is to call the card issuer directly. Amazon credit cards are issued by either Chase or Synchrony, depending on which card you hold. You'll find the phone number on the back of your physical card or in your online account.

When you call, have your card number and account information ready. Tell the representative you want to close the account. They will ask why you're canceling — this is optional to answer, but some issuers use this feedback. The representative will confirm your identity, review any outstanding balance, and process the cancellation on the call.

The entire call typically takes 5 to 10 minutes. Ask the representative to confirm the cancellation in writing and note the date the account closes. Request this confirmation be sent to the email address on file.

Key Takeaways

  • Amazon credit cards are issued by Chase or Synchrony depending on the card type, and you cancel directly with the issuer by phone.
  • You must pay any remaining balance before or during the cancellation call, or arrange a payment plan with the representative.
  • Closing a credit card can lower your credit score temporarily because it reduces your total available credit, but the impact usually fades within a few months.
  • Request written confirmation of the cancellation and keep it with your records in case the account appears open later.

Settle any balance before the account closes

If your card has an outstanding balance, you cannot close the account until it's paid. The representative will tell you the exact amount owed during your cancellation call. You can pay it immediately over the phone using a bank account or another card, or you can ask about a payment plan if you need time.

If you choose to pay after the call, the account will remain open until the balance reaches zero. Once the issuer receives your final payment, the account will close automatically, or you may need to call back to confirm closure. Either way, continue making on-time payments until the balance is gone — missing a payment after you've requested cancellation can damage your credit score.

Understand how cancellation affects your credit report

Closing a credit card removes that available credit from your credit profile. If you had a $5,000 limit and $1,000 in other available credit across all cards, closing this card drops your total available credit to $1,000. This change can lower your credit score by 10 to 50 points in the short term because credit scoring models reward having unused credit available.

The impact is usually temporary. Your score typically recovers within three to six months as the account ages and other factors in your credit history become more prominent. However, if you're planning to apply for a mortgage, auto loan, or another major credit product in the next few months, canceling a card right before that application could work against you.

The closed account will remain on your credit report for seven to ten years, which is normal and does not harm your score — it simply shows your credit history.

What happens to your Amazon rewards after cancellation

Any rewards points you've earned remain in your account after the card closes. You can still redeem them for Amazon purchases, statement credits, or other options depending on your card type. Log into your Amazon account and check your rewards balance before you cancel — this ensures you know exactly what you have to spend.

Rewards points do not expire simply because the card is closed. However, if your Amazon account itself becomes inactive for an extended period, Amazon may close the account and forfeit unused points. To keep your rewards safe, redeem them before closing the card or shortly after.

Cancel online if you prefer not to call

Some cardholders can cancel through their online account portal instead of calling. Log into your Amazon account, navigate to "Your Account," then find the credit card management section. Look for an option labeled "Close Account" or "Manage Card." Not all card types offer this option online, so if you don't see it, calling remains your only route.

If you cancel online, you'll receive a confirmation email. Save this email as your proof of cancellation. If the account appears open on your credit report 30 days later, contact the issuer with this confirmation and ask them to investigate.

Monitor your credit report after cancellation

After you cancel, check your credit report 30 to 60 days later to confirm the account shows as closed. You can view your credit reports free once per year at annualcreditreport.com, which is run by the three major credit bureaus: Equifax, Experian, and TransUnion.

Occasionally an account remains listed as open on one bureau's report even after the issuer closes it. If this happens, contact the issuer with your cancellation confirmation and ask them to update the status. You can also file a dispute directly with the credit bureau through their website.

Keep your cancellation confirmation and old statements

Save the written confirmation of your cancellation for at least one year. If a fraudulent charge appears on the card after closure, or if the issuer tries to collect a debt you've already paid, this confirmation protects you. Store it with your other financial records — a folder on your computer or a physical file works equally well.

Keep your final statement as well. It shows your last balance, final payment date, and closing balance. Together, these documents prove the account was closed in good standing and can resolve disputes quickly if they arise.

Frequently Asked Questions

Will canceling my Amazon card hurt my credit score?

Yes, but temporarily. Your score may drop 10 to 50 points immediately because closing the card reduces your available credit. The impact usually fades within three to six months. If you're applying for a loan soon, wait until after approval to cancel.

What if I have a balance I can't pay right now?

Tell the representative during your cancellation call that you need a payment plan. They can set up a schedule for you to pay the balance over time. The account will remain open until the balance reaches zero, but you can still close it once paid in full.

Can I cancel my Amazon card if I have a pending return or refund?

Yes, but wait until the refund posts to your account first. If you cancel before a refund processes, it may be delayed or sent to a different payment method. Check your Amazon account for any pending returns, then cancel once everything has settled.

Do I lose my Amazon Prime benefits if I cancel the card?

No. Canceling the credit card does not affect your Prime membership. Your Prime status is tied to your Amazon account, not the card. You can continue using Prime after the card closes.

How long does it take for the account to fully close?

The account closes immediately when you request it, but it may take 7 to 10 business days for the closure to appear on your credit report. During this time, do not attempt to use the card. Once the credit bureaus update their records, the account will show as closed.