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 Bank, depending on which Amazon 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 ready and tell the representative you want to close the account. They will ask why you're canceling — this is optional information, and you don't have to give a detailed reason. The representative will confirm your identity, review any outstanding balance, and process the cancellation on the spot.

The entire call usually takes fewer than five minutes. Ask the representative to confirm the cancellation in writing and note the date and time of your call in case you need proof later.

Key Takeaways

  • Call the number on the back of your card to reach Chase or Synchrony, whichever issued your Amazon card, and request account closure.
  • You must pay off any remaining balance before or during the cancellation call; the card issuer will not close an account with an unpaid balance.
  • Canceling 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.
  • Ask the representative to send written confirmation of the cancellation and keep that letter in case billing disputes arise later.

Pay off your balance before you cancel

If your card has an outstanding balance, you must pay it in full before the account closes. You can do this before you call to cancel, or you can pay it during the cancellation call itself — either way works. The card issuer will not close an account with money owed.

If you have a large balance and want to keep the account open while you pay it down, you don't have to cancel right away. You can simply stop using the card and let the balance decline with each payment. Once the balance reaches zero, you can then cancel whenever you're ready.

Understand how cancellation affects your credit

Closing a credit card removes that credit limit from your available credit, which can cause a small dip in your credit score. This happens because credit scoring models look at your credit utilization ratio — the percentage of your total available credit that you're currently using. When you close a card, your available credit shrinks, so your utilization ratio goes up, even if you haven't charged anything new.

This impact is usually temporary. Most people see the score recover within three to six months, especially if you keep other accounts open and continue paying on time. The damage is smaller if you're canceling a card with a low credit limit or if you have other cards with higher limits.

If your credit score is important right now — for example, you're about to apply for a mortgage or car loan — you might want to wait a few months after canceling before you apply. If you're not planning to borrow money soon, the timing of cancellation doesn't matter much.

What happens to your rewards balance

Before you cancel, check your rewards balance and redeem any points you've earned. Most Amazon credit card rewards expire once the account closes, so you'll lose them if you don't use them first. Log into your account online or call customer service to see how many points you have and what you can redeem them for.

Amazon typically lets you redeem points as a statement credit, a gift card, or a discount on a purchase. You can usually do this online without calling, so take care of it before you cancel the account.

Cancel online if you prefer not to call

Some cardholders can cancel through their online account portal instead of calling. Log into your Amazon or Chase account (depending on which bank issued your card), look for account settings or card management, and search for a "close account" or "cancel card" option. Not all accounts have this feature available online, so if you don't see it, calling remains your only option.

If you do cancel online, follow up with a phone call to confirm the cancellation went through. Online cancellations sometimes fail silently, and you want to be certain the account is actually closed.

Keep records of the cancellation

After you cancel, save any confirmation email or letter you receive. Check your credit report a few weeks later to make sure the account shows as closed. You can get a free credit report once per year from each of the three major bureaus — Equifax, Experian, and TransUnion — at AnnualCreditReport.com.

If the account still shows as open on your credit report after 30 days, call the card issuer again and ask them to investigate. Errors like this are rare, but documenting your cancellation call makes it easier to fix if one does occur.

Frequently Asked Questions

Will canceling my Amazon card hurt my credit score?

Yes, but usually only temporarily. Your score may drop a few points because closing the card reduces your available credit. The impact typically fades within three to six months if you keep other accounts open and pay on time. The damage is smaller if the card had a low credit limit.

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

You cannot close the account until the balance is paid. You can stop using the card and make regular payments until it's paid off, then cancel later. Or you can transfer the balance to another card if you have one, then cancel the Amazon card once it reaches zero.

Do I lose my rewards points when I cancel?

Yes, most rewards expire when the account closes. Redeem your points before you cancel by logging into your account online or calling customer service. You can usually convert them to a statement credit or gift card.

How long does it take for the cancellation to show up on my credit report?

It typically takes 30 to 60 days for a closed account to appear on your credit report. Check your report at AnnualCreditReport.com to confirm the account shows as closed. If it still shows as open after 60 days, contact the card issuer to investigate.

Can I reopen the account after I cancel it?

Reopening a closed credit card account is difficult and not may provide. If you think you might want the card again, consider keeping it open but unused instead of canceling. If you do cancel and later want the card back, you would typically have to apply as a new customer.