Call Amazon's customer service 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 ready and tell the representative you want to close the account. They will ask why you're canceling — this is routine and your answer doesn't affect whether they'll process it. Be prepared for a retention offer: the bank may suggest a lower interest rate, a statement credit, or bonus points to keep the card open. You can accept or decline.

The call typically takes 5 to 10 minutes. The representative will confirm your identity, process the closure, and give you a confirmation number. Write this down or ask them to email it to you.

Key Takeaways

  • Amazon credit cards are issued by Chase or Synchrony, and you cancel directly with the issuer by calling the number on your card.
  • The bank may offer you incentives to stay open — a lower rate, statement credit, or bonus points — and you can accept or refuse.
  • After you close the account, your existing balance still needs to be paid, and the card stops earning rewards immediately.
  • Closing a card can lower your credit score slightly because it reduces your total available credit, but the effect usually fades within a few months.
  • You can also cancel online through your Chase or Synchrony account, though calling is usually faster.

What happens to your balance after you cancel

Closing the card does not erase what you owe. Any remaining balance stays on the account and you must continue making payments until it's paid off. The card will stop working for new purchases immediately, but the account itself stays open in the bank's system until the balance reaches zero.

Your monthly statement will continue to arrive (or appear online) showing your remaining balance and minimum payment due. Interest will keep accruing on that balance unless you have a 0% promotional rate that hasn't expired yet. If you do have an active promotional rate, closing the card may end it early — ask the representative before you hang up.

How cancellation affects your credit score

Closing a credit card typically lowers your score by a small amount, usually 5 to 15 points, though this varies based on your overall credit profile. The main reason is that closing an account reduces your total available credit. If you had a $5,000 limit and you close it, your available credit shrinks by $5,000, which can raise your credit utilization ratio (the percentage of your total credit you're actually using).

The impact is temporary. Most people see their score recover within three to six months as long as they keep paying their other bills on time. If you're planning to apply for a mortgage, car loan, or another major credit product soon, you might want to wait a few months after closing before you apply.

Canceling online instead of by phone

You can also close your Amazon credit card through your online account. Log into your Chase or Synchrony account (depending on which bank issued your card), navigate to account settings or card management, and look for a "close account" or "cancel card" option. The exact steps vary slightly between Chase and Synchrony, so if you don't see it immediately, use the site's search function or contact customer service for the direct link.

Online cancellation works, but you won't get a confirmation number in real time and you won't have the chance to ask questions about your balance or promotional rates. For that reason, calling is usually the clearer route.

What to do before you cancel

Before you call, take a few steps to avoid surprises. First, check your statement for any pending charges or subscriptions linked to the card — some services renew automatically and you may not notice if the card suddenly stops working. Update those payment methods now if you want to keep those services.

Second, if you have a promotional interest rate (like 0% APR for 12 months), ask the representative whether closing the card will end that promotion early. If it will, you might want to pay off the balance first or wait until the promotion expires.

Third, make sure you don't have any pending rewards or sign-up bonuses that haven't posted yet. Once the account is closed, you typically can't earn new rewards, though points you've already earned usually stay in your account.

Canceling without calling if you prefer

If you strongly prefer not to call, you have options. Some banks allow you to request closure through their mobile app or by sending a secure message through your online account. You can also write a letter to the card issuer's customer service address (found on your statement) requesting closure, though this is slower and you won't get immediate confirmation.

Another route: visit a Chase branch in person if your card is issued by Chase. A banker can process the closure on the spot and give you a written confirmation. This works well if you have questions or want to discuss your options face-to-face.

After your card is closed

Once the account is closed, you'll stop earning rewards on any purchases. If you have an Amazon Prime Rewards Visa or Amazon Prime Store Card, losing the card means you lose the 5% cash back on Amazon purchases and other perks tied to the card. If you want to keep earning rewards on Amazon purchases, you'll need to use a different card or sign up for a different rewards card later.

Your closed account will stay on your credit report for up to 10 years, which is actually helpful — it shows a history of responsible credit use. You can check your credit report for free once a year at annualcreditreport.com to make sure the closure is reported correctly.

Frequently Asked Questions

Will closing my Amazon card hurt my credit score?

It will lower your score slightly, usually by 5 to 15 points, because it reduces your available credit. The effect is temporary and most people see their score recover within three to six months. The impact is smaller if you have multiple credit cards open.

Can I cancel my card if I still owe a balance?

Yes. Closing the account doesn't erase the debt — you'll still owe the balance and must keep making payments. The card stops working for new purchases, but the account stays open until you pay it off completely.

What if the bank offers me a retention bonus to keep the card open?

You can accept or decline. If the bonus is worth more to you than the annual fee (if there is one), it might make sense to keep the card open. If you don't want the card, declining won't hurt your credit or cause problems — it's a normal part of the cancellation process.

Do I lose my rewards points when I close the card?

No. Rewards points you've already earned usually stay in your account even after closure. You can typically redeem them for a period of time after the account closes, though the exact window depends on your card's terms. Check your card agreement or ask the representative before you hang up.

How long does it take for the card to actually close?

The account is usually closed immediately after you call, though it can take a few business days for the closure to show up in your online account or on your credit report. If you need proof of closure right away, ask the representative for a confirmation number.