The Three Ways to Pay Your Amazon Credit Card

You can pay your Amazon credit card bill online through your Amazon account, by phone with Amazon customer service, or by mailing a check to the address on your statement. The online method is fastest and most common — you log into Amazon.com, go to your account settings, find the credit card payment section, and enter the amount and payment date. Phone payments take a few minutes and work if you prefer speaking to someone. Mailed checks take 7 to 10 business days to reach Amazon and clear, so use this method only if you need extra time before the due date.

Your payment method does not change when your card is issued by Amazon or by a third-party bank. Amazon issues the Amazon Visa card itself through a partnership with Synchrony Bank. Synchrony Bank issues the Amazon Store Card (the one that works only at Amazon). Both cards use the same payment routes — Amazon's website for the Visa, Synchrony's website or phone line for the Store Card.

Key Takeaways

  • Online payment through Amazon.com or Synchrony's website is the fastest method and posts to your account within one business day.
  • Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes.
  • Paying only the minimum amount keeps your account in good standing but costs you interest on the remaining balance.
  • Late payments trigger a late fee (usually $25 to $40) and can raise your interest rate, even if you pay within 10 days of the due date.
  • Mailed checks must arrive by the due date to avoid a late payment report, so mail them at least 10 days early.

Paying Online Through Amazon.com

Log into your Amazon account on a computer or the Amazon app. Go to "Account" in the top right, then select "Login & security" or "Your account." Look for a section labeled "Credit card accounts," "Payment methods," or "Manage your credit cards." Click on your Amazon Visa card. You will see your current balance, minimum payment due, and due date.

Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment date. If you select today's date, the payment posts within one business day. If you schedule a future date, Amazon will process it on that day, but you must schedule it before your due date to avoid a late payment. Review the details and confirm. You will receive a confirmation number and an email receipt.

If you have an Amazon Store Card (the card that works only at Amazon), you cannot pay through Amazon.com. Instead, go to Synchrony's website (Synchrony.com), log into your account, and follow the same steps. You can also call Synchrony at the number on your statement to pay by phone.

Understanding Your Statement and Due Date

Your statement closes on a set day each month — this date appears on your bill. Your due date is typically 21 to 25 days after the statement closes. For example, if your statement closes on the 15th, your due date might be April 9th. You must pay at least the minimum amount by this date to avoid a late fee and a late payment report to the credit bureaus.

The minimum payment is usually 1 to 3 percent of your total balance, plus any fees or interest that accrued that month. Paying only the minimum keeps your account in good standing, but the remaining balance continues to accrue interest at your card's annual percentage rate (APR). If your APR is 18 percent and your balance is $1,000, you will owe roughly $15 in interest that month if you pay only the minimum.

Your statement shows the payment address, the amount due, and the due date clearly. Save this information or set a phone reminder for five days before the due date. If you miss the due date by even one day, Amazon or Synchrony will charge a late fee and report the late payment to credit bureaus, which can lower your credit score.

Paying by Phone

Call the customer service number on the back of your Amazon Visa card or on your statement. Have your card number, Social Security number, and the amount you want to pay ready. A representative will confirm your identity, tell you your current balance and due date, and process your payment over the phone. The payment posts within one business day.

For the Amazon Store Card, call Synchrony at the number on your statement or bill. The process is identical. Phone payments are useful if you have questions about your balance, want to discuss a late fee, or prefer not to pay online. There is no fee for paying by phone.

Mailing a Check

Write a check for the amount you owe and include your account number or card number on the check itself. Mail it to the address shown on your statement under "Payment Address" or "Make checks payable to." Do not mail a check to Amazon's general headquarters — use only the payment address on your bill.

Mail your check at least 10 business days before your due date. The U.S. Postal Service typically takes 3 to 5 business days to deliver mail, and Amazon or Synchrony may take another 2 to 5 business days to process and post the payment. If your check arrives after the due date, you will be charged a late fee and the late payment will be reported. If you are cutting it close, use online or phone payment instead.

What Happens If You Miss a Payment

If you do not pay by the due date, Amazon or Synchrony will charge a late fee — typically $25 for the first late payment and up to $40 for subsequent ones within six months. The late payment is reported to the three credit bureaus (Equifax, Experian, and TransUnion) and appears on your credit report for seven years. Even a single late payment can lower your credit score by 50 to 100 points.

Your interest rate may also increase. Most credit card issuers have a "penalty APR" that kicks in after one late payment. This rate is usually 5 to 10 percentage points higher than your regular APR and applies to new purchases and sometimes to your existing balance. You can request that the penalty rate be removed if you make on-time payments for six months in a row, but this is not may provide.

If you are more than 30 days late, Amazon or Synchrony may suspend your account, preventing you from making new purchases. If you are 60 days late, they may close the account. If you are 180 days late, they may charge off the account and sell the debt to a collection agency, which will contact you to recover the money.

Paying More Than the Minimum

Paying more than the minimum amount due saves you money in interest and pays off your balance faster. If you have a $2,000 balance at 18 percent APR and pay only the minimum (roughly $50 per month), it will take you about 4 years to pay off the card and cost you over $1,000 in interest. If you pay $200 per month instead, you will pay off the card in about 11 months and pay roughly $200 in interest.

You can pay more than the minimum using any of the three payment methods — online, by phone, or by mail. There is no penalty for paying early or paying more than required. If you want to pay off the entire balance, you can do so at any time. Some people set up automatic payments through their bank to ensure they never miss a due date; contact your bank to arrange this.

Frequently Asked Questions

Can I set up automatic payments for my Amazon credit card?

You can set up automatic payments through your bank's bill pay service, but Amazon and Synchrony do not offer automatic payment options directly through their websites. Contact your bank to arrange recurring payments to the address on your statement. This ensures you never miss a due date, though you must monitor your balance to make sure the automatic amount is correct each month.

What if I pay my bill but it does not show up right away?

Online and phone payments post within one business day. If you paid online today, check your account tomorrow. If you paid by check, allow 7 to 10 business days. If more than 10 business days have passed and the payment still does not appear, call customer service with your confirmation number or check number and ask them to locate it.

Can I pay my Amazon credit card bill with another credit card?

No. Amazon and Synchrony do not accept credit card payments. You can pay only with a bank account (online or by phone) or by mailed check. Paying a credit card with another credit card through a third-party service usually costs a cash advance fee and interest, so this is not recommended.

What happens if I pay after the due date but before the statement closes?

A late fee will be charged and the late payment will be reported to the credit bureaus. The due date is the deadline — paying even one day late counts as a missed payment. If you realize you will be late, call customer service immediately to ask if they can waive the fee or extend the due date, though they are not required to do so.

Do I have to pay the full balance or can I pay just the minimum?

You can pay any amount between the minimum and the full balance. Paying the minimum keeps your account in good standing and avoids a late fee, but the remaining balance continues to accrue interest. Paying the full balance eliminates interest charges for that month. Most people benefit from paying more than the minimum if they can afford to.