Where to Pay Your Amazon Credit Card
You can pay your Amazon credit card bill through your Amazon account, by phone, by mail, or through your bank's bill pay system. The fastest and most direct route is logging into your Amazon account and making a payment from the card's management page. You can also call the customer service number on the back of your card to pay by phone, mail a check to the address printed on your statement, or set up automatic payments through your bank.
The method you choose affects how quickly the payment posts and whether you have to remember to pay each month. Online and phone payments usually post within one business day. Mail takes five to seven business days, so paying by mail means your payment clock starts later than when you send it. Automatic payments eliminate the risk of missing a due date, but they require you to set them up in advance and monitor the amount if your balance changes.
Key Takeaways
- Log into your Amazon account, select your card, and choose "Make a Payment" to pay online in minutes with funds posting within one business day.
- Call the number on the back of your card to pay by phone with a representative, or use your bank's bill pay system to send a check electronically.
- Set up automatic payments through your Amazon account to have a fixed amount or your full statement balance withdrawn on your chosen date each month.
- Payments made after 8 p.m. Eastern Time typically post the next business day, so timing matters if you are close to your due date.
- Your due date is printed on your statement and does not change; paying after that date triggers a late fee and may affect your credit report.
Paying Online Through Your Amazon Account
Open your Amazon account and go to "Your Account" in the top right corner. Select "Login & Security" or navigate directly to the card management section. Find your Amazon credit card in the list of payment methods and click on it. You will see a "Make a Payment" button or link; click it to enter the amount you want to pay.
You can pay your full statement balance, the minimum payment, or any amount in between. Enter the amount, confirm the payment method (the funds will come from a bank account or debit card you have on file), and review the details before submitting. Amazon will show you a confirmation number and the date the payment is expected to post. Keep this confirmation for your records.
If you have not linked a bank account to your Amazon account yet, you will need to add one before you can pay online. Amazon accepts payments from U.S. bank accounts and debit cards. The payment posts within one business day, though payments submitted after 8 p.m. Eastern Time may not post until the following business day.
Paying by Phone
Call the customer service number printed on the back of your Amazon credit card. A representative will verify your identity by asking for your card number, Social Security number, or other account details. Tell them you want to make a payment and provide the amount.
Phone payments are processed the same day you call if you call before the cutoff time, usually 8 p.m. Eastern Time on business days. Payments made after that time or on weekends post the next business day. The representative will give you a confirmation number; write it down and keep it with your records. Phone payments carry no additional fee.
Setting Up Automatic Payments
Automatic payments remove the need to remember your due date each month. Log into your Amazon account, go to your card's payment page, and look for an option to set up automatic payments or recurring payments. You will choose a payment date (usually between the 1st and 28th of each month) and select whether to pay a fixed amount or your full statement balance each month.
If you choose to pay your full statement balance automatically, the system will charge whatever your balance is on the day before your due date. This means you will pay off the card completely each month and avoid interest charges, as long as you do not add new purchases after the payment is processed. If you choose a fixed amount, make sure it is at least your minimum payment to avoid late fees.
You can change or cancel automatic payments at any time through your Amazon account. If you cancel, you will need to make manual payments again or set up a new automatic payment schedule. Check your account regularly to confirm the payment went through, especially the first time you set it up.
Paying by Mail
Write a check for the amount you owe and mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send payment to the address where you receive your statement—that is the correspondence address, and mail sent there takes longer to reach the payment processing center.
Include your account number or card number on the check so the payment is applied to the correct account. Mail your check at least seven to ten business days before your due date to account for postal delivery time. Payments are considered on time based on the date they are received at the processing center, not the date you mail them.
Mailing a check is slower and riskier than other methods because the payment clock does not start until the check arrives. If the check is lost or delayed, you may be charged a late fee. Keep a copy of the check or take a photo of the front and back for your records.
Using Your Bank's Bill Pay System
Many banks offer bill pay services that let you schedule payments to creditors directly from your checking account. Log into your bank's website or app, select bill pay, and add your Amazon credit card as a payee. You will need the payment address from your statement.
Enter the amount and the date you want the payment sent. Your bank will mail a check on your behalf or send the payment electronically, depending on the payee. Electronic payments typically post within one to two business days; mailed checks take five to seven business days. Bill pay is free at most banks and gives you a record of the payment in your bank statement.
What Happens If You Miss Your Due Date
Your due date is printed on your statement and is the same day each month. If your payment is not received by that date, you will be charged a late fee. The fee amount depends on your card's terms, but it is typically between $25 and $40 for the first late payment and may be higher for subsequent ones.
A late payment also appears on your credit report and can lower your credit score. The damage is greatest if the payment is 30 or more days late. If you miss your due date, make a payment as soon as possible to stop additional fees from accruing. Contact customer service if you believe the late fee was an error or if you want to ask about a one-time waiver, though they are not required to grant one.
Understanding Payment Posting and Your Statement Cycle
Your statement cycle is a set period, usually 28 to 31 days, during which purchases are recorded. Your statement is generated on the same day each month, and your due date is typically 21 days after that. Payments you make do not affect your current statement balance—they reduce what you owe, but the statement itself is already closed.
When you make a payment, it reduces your available credit and lowers the balance shown in your account. However, the amount you paid does not appear as a credit on your next statement; instead, your next statement shows only the new purchases you made during that cycle. This is normal and does not mean your payment was lost.
Interest is calculated on your average daily balance during the statement cycle. If you carry a balance from month to month, interest accrues daily and is added to your statement. Paying before your due date stops additional interest from accruing on that balance, but interest already charged remains on your account.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Amazon and most credit card issuers do not accept credit card payments. You must pay from a bank account, debit card, or by check. Paying a credit card with another credit card is treated as a cash advance by most issuers and carries high fees and interest rates.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, request a refund to your bank account, or leave it there. If you request a refund, it typically takes five to seven business days to appear in your bank account. Contact customer service to request a refund if you have a credit balance.
Do I have to pay the full balance or can I pay the minimum?
You can pay any amount between the minimum payment and your full balance. The minimum payment is shown on your statement. Paying only the minimum means you will carry a balance and be charged interest, but you will avoid a late fee. Paying the full balance means you owe no interest on that cycle's purchases.
How do I know if my payment went through?
Log into your Amazon account and check your card's payment page. It will show your current balance and a history of recent payments with their status. You can also look at your statement, which shows all payments received during that cycle. If you paid by phone or mail, keep your confirmation number or check copy as proof.
What if my payment is due on a weekend or holiday?
Your due date does not move. If it falls on a weekend or holiday, your payment must be received by the end of that day to be on time. However, if you are paying by mail or through your bank's bill pay, plan for the payment to arrive one or two business days earlier to account for processing delays.