How to pay your Amazon credit card

You can pay your Amazon credit card through your Amazon account, by phone, by mail, or through automatic payments set up with your bank. The fastest method is logging into your Amazon account, going to your credit card settings, and making a payment directly to Synchrony Bank, which issues the card. You can also call Synchrony at the number on the back of your card, mail a check to the address printed on your statement, or set up autopay so the payment happens without you having to do anything each month.

The card itself comes in two versions: the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, both issued by Synchrony Bank. Both work the same way for payments — the issuer is the same, and your payment options are identical. Your statement will show a minimum payment due and a due date; paying at least the minimum by that date keeps your account in good standing, though paying the full balance avoids interest charges.

Key Takeaways

  • Log into your Amazon account, select your card, and pay directly through the payment portal — this is the fastest way and shows the payment immediately.
  • Call Synchrony Bank at the number on your card's back to make a payment by phone without logging in.
  • Mail a check to the address on your statement if you prefer not to pay online or by phone.
  • Set up automatic payments through your bank's bill pay or through Synchrony so your minimum payment or full balance is paid on schedule every month.
  • Payments made before 8 p.m. ET on the due date are credited the same day; payments after that time post the next business day.

Paying through your Amazon account online

Open Amazon.com and sign into your account. Go to Account & Lists, then select Your Account. Look for the "Payment options" or "Manage payment methods" section — the exact wording varies depending on whether you are on mobile or desktop. Find your Amazon credit card in the list and select it.

Click "Make a payment" or the payment button next to the card. You will see your current balance, minimum payment due, and the due date. Enter the amount you want to pay — you can pay any amount from the minimum up to your full balance. Review the payment amount and confirm. The payment posts to your account immediately if made before 8 p.m. ET on a business day; if you pay after that time or on a weekend, it will post the next business day.

Keep your confirmation number for your records. You can also view your payment history in this same section, which shows all payments made in the past 12 months, the dates they posted, and the amounts.

Paying by phone with Synchrony

Call Synchrony Bank at the number printed on the back of your Amazon credit card. Have your card number and the amount you want to pay ready. A representative will verify your identity by asking for your Social Security number or other account details, then process your payment over the phone.

Payments made by phone before 8 p.m. ET on a business day post the same day. If you call after hours or on a weekend, your payment will be recorded and posted the next business day. Synchrony's customer service line is available seven days a week, though wait times are typically longer on weekends and evenings.

Setting up automatic payments

Automatic payments remove the risk of missing a due date. You have two options: set up autopay through Synchrony directly, or use your bank's bill pay feature to send a payment automatically each month.

To set up autopay through Synchrony, call the number on your card or log into your Amazon account and navigate to your card's payment settings. Select "Set up automatic payments" and choose whether you want to pay your minimum balance, a fixed amount, or your full statement balance each month. Select your due date preference. Synchrony will deduct the payment from your bank account on that date each month.

Alternatively, use your bank's bill pay system. Log into your bank's website or app, add Synchrony Bank as a payee using the mailing address on your statement, and schedule a recurring payment for the same date each month. This method gives you control over the exact amount and timing from your bank's side, though it takes slightly longer to post since it travels through the mail or the banking system.

Paying by mail

Write a check payable to Synchrony Bank and include your account number on the check. The account number is your credit card number. Mail the check to the address shown on your statement under "Payment Address" — this address is different from your billing address and is used only for mailed payments.

Mail payments typically take 5 to 7 business days to arrive and post to your account. To avoid late fees, mail your payment at least 10 days before your due date. Include only the check — do not send your card or other documents. Keep a copy of the check or note the check number for your records.

Understanding payment timing and posting

Payments made online or by phone before 8 p.m. ET on a business day post the same day. Payments made after 8 p.m. ET or on weekends and holidays post the next business day. Mailed payments take 5 to 7 business days to arrive at Synchrony's processing center, then post within one business day of arrival.

Your due date is set by Synchrony and appears on your statement. If the due date falls on a weekend or holiday, Synchrony extends the deadline to the next business day. Payments received after the due date incur a late fee, typically $25 to $35 depending on your account history, and may trigger a higher interest rate on future purchases. Interest on your balance accrues daily from the statement closing date until the balance is paid in full.

What happens if you miss a payment

If your payment does not arrive by the due date, Synchrony charges a late fee. Your first late fee is typically $25; subsequent late fees within six months may be $35. A late payment also appears on your credit report and may lower your credit score.

If you miss a payment, contact Synchrony immediately. Explain the situation and ask whether they can waive the late fee — many issuers will do this once per year if you have a good payment history. Make your payment as soon as possible to stop interest from accruing on the unpaid balance. If you are having trouble making payments, ask Synchrony about hardship programs or payment plans; they may be able to work with you to avoid further damage to your account.

Frequently Asked Questions

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

No. Synchrony does not accept credit card payments for your Amazon card balance. You must pay from a bank account using a debit card, check, bank transfer, or automatic bank draft. Paying a credit card with another credit card typically incurs a cash advance fee and higher interest rate anyway.

What if I pay more than my balance?

If you overpay, Synchrony will credit the excess to your account as a statement credit. You can use this credit toward future purchases, or request a refund by calling Synchrony. Refunds typically take 3 to 5 business days to appear in your bank account.

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

You only have to pay the minimum to keep your account in good standing and avoid late fees. However, any balance you do not pay accrues interest at your card's APR, which varies by creditworthiness but typically ranges from 16% to 24%. Paying the full balance each month avoids interest entirely.

Can I change my due date?

Yes. Contact Synchrony by phone or through your Amazon account settings and request a due date change. Synchrony typically allows you to move your due date within a range of dates, though you can usually only change it once per year. The new due date takes effect on your next statement.

What if my payment was rejected?

Payments are usually rejected because the bank account on file has insufficient funds, the account was closed, or the routing number is incorrect. Synchrony will notify you by email or phone. Correct the payment method and resubmit the payment immediately to avoid a late fee. If the issue is a closed account, update your bank information in your Amazon account settings.