Where to send your Amazon credit card payment
Your Amazon credit card payment goes to Synchrony Bank, not to Amazon itself. Synchrony is the bank that actually issues the card and holds your account, even though the card carries the Amazon name and you earn rewards on Amazon purchases.
You have three main ways to pay: online through your Synchrony account, by phone, or by mailing a check. The online method is fastest and most people use it because you can see your balance immediately and schedule payments in advance.
To pay online, log into your account at mysynchrony.com using the username and password you created when you first got the card. If you have never logged in before, you will need to set up your account with your card number and personal information.
Key Takeaways
- Synchrony Bank processes your Amazon credit card payments, not Amazon — you pay through mysynchrony.com, by phone at the number on your statement, or by mail.
- Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes, giving you time to review charges before paying.
- Paying at least your minimum payment by the due date keeps you from being late, but paying your full balance avoids interest charges on purchases.
- You can set up automatic payments from your bank account so you never miss a due date, though you should still check your statement each month.
Logging in and making a one-time payment online
Once you are logged into mysynchrony.com, look for a button or link that says "Make a Payment" or "Pay Now." The site will show your current balance, your minimum payment due, and your due date. You can choose to pay any amount between the minimum and your full balance.
Enter the amount you want to pay and select your payment method — you can pay from a checking or savings account (this takes one to two business days) or use a debit card (usually instant, but some banks charge a fee for debit card payments). Review the details, confirm, and the payment is submitted.
Keep in mind that online payments from your bank account are free, but paying by debit card may trigger a fee depending on your bank. The safest approach is to link your checking account and pay that way.
Paying by phone or mail if you do not use online banking
If you prefer not to pay online, the phone number for Synchrony customer service is on the back of your card and on every monthly statement. Call that number, have your card ready, and a representative will walk you through making a payment over the phone. You will need a checking or savings account number to pay this way.
To pay by mail, write a check payable to Synchrony Bank and include your account number (your card number) on the check itself. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address, so use the one on your statement. Mailed payments typically take 5 to 7 business days to reach Synchrony and be posted to your account, so send it well before your due date.
Never mail cash, and do not send payment to Amazon's address — it will not reach Synchrony and your payment will be late.
Understanding your due date and minimum payment
Your statement closes on a set date each month (for example, the 15th), and your payment is due about 21 to 25 days after that. Your exact due date appears on every statement. The minimum payment is the smallest amount you can pay to stay current — usually 1 to 3 percent of your balance, or a set dollar amount like $25, whichever is greater.
Paying only the minimum keeps you from being reported as late, but you will be charged interest on the remaining balance. If you carry a balance of $1,000 at a typical Amazon card interest rate, paying only the minimum can cost you $150 to $200 in interest over a year. Paying your full statement balance by the due date means you pay no interest at all.
If you miss your due date, Synchrony will report the late payment to the credit bureaus after 30 days, which damages your credit score. A single late payment can lower your score by 100 points or more.
Setting up automatic payments so you never miss a due date
The easiest way to stay on time is to set up automatic payments through mysynchrony.com. You link your checking account once, then choose whether you want Synchrony to automatically deduct your minimum payment, a fixed amount you choose, or your full statement balance on a date you pick each month.
Most people choose to have the full balance paid automatically on the due date. This way, you never carry interest charges and you never have to remember to pay. You should still review your statement each month to catch any fraudulent charges or billing errors, but the payment itself happens without you having to do anything.
If you set up automatic payments for your full balance and you are worried about having enough money in your account on that date, you can instead choose a fixed amount — for example, $200 per month — and then pay any remaining balance manually if needed.
What happens if you cannot pay by your due date
If you know you will miss your due date, contact Synchrony before the date arrives. Call the number on your statement and explain your situation. Synchrony cannot erase the late fee or prevent a late report to the credit bureaus, but they may be willing to work with you on a payment plan or temporarily lower your interest rate if you have been a good customer.
If you do miss the due date, you will be charged a late fee (usually $25 to $40, depending on your balance) and your interest rate may increase. The late payment will appear on your credit report for seven years, though its impact on your score fades over time, especially if you make on-time payments going forward.
If you fall behind by 60 days or more, Synchrony may freeze your account and stop letting you make new purchases. At that point, you will need to bring the account current before you can use the card again.
Paying off your balance faster if you carry debt
If you have a balance you are paying interest on, paying more than the minimum each month saves you money. For example, if you owe $2,000 at 20 percent interest and pay only the minimum ($50 per month), it will take you nearly two years to pay it off and cost you about $800 in interest. If you pay $200 per month instead, you will be done in about 11 months and pay only $200 in interest.
You can make multiple payments in a single month if you want to pay faster. Log into mysynchrony.com and make an extra payment whenever you have the money. There is no penalty for paying early or paying more than you owe.
Some people use the Amazon card's 0 percent promotional interest periods (if you have one) to pay down debt interest-free. These offers typically last 6 to 12 months on purchases or balance transfers. If you have a promotional period, focus on paying down as much as possible during that time, because once it ends, the regular interest rate kicks in on any remaining balance.
Frequently Asked Questions
Can I pay my Amazon credit card through the Amazon website or app?
No. Amazon does not process payments for the Amazon credit card. You must pay through Synchrony Bank at mysynchrony.com, by phone, or by mail. Some people mistakenly try to pay through Amazon and their payment never reaches the card account.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward your next month's balance, or you can request that Synchrony refund the overpayment to your bank account. Call the number on your statement to request a refund if you have a credit balance you do not plan to use.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum and your full balance. Paying the minimum keeps you from being late, but you will owe interest on the remaining balance. Paying the full balance avoids all interest charges.
How long does it take for my payment to show up in my account?
Online payments from a bank account usually post within one to two business days. Debit card payments are often instant. Mailed checks take 5 to 7 business days. Always send payment well before your due date to account for processing time.
What if I set up automatic payments but then do not have enough money in my account?
If your bank account does not have enough funds when the automatic payment tries to go through, the payment will fail and you will be charged an overdraft fee by your bank. Synchrony will also charge you a late fee and report the late payment. Make sure your account has enough money before the automatic payment date, or set the automatic payment for a lower amount and pay the rest manually.