Where to Pay Your Amazon Credit Card Bill

You can pay your Amazon credit card 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, finding the credit card section, and paying there — the payment posts the same business day if you pay before the cutoff time, usually 8 p.m. Eastern.

If you do not have an Amazon account or prefer not to use it, you can call the card issuer directly. The issuer depends on which Amazon card you hold: Chase issues the Amazon Prime Rewards Visa, the Amazon Prime Store Card, and the Amazon Business Prime American Express. Synchrony Bank issues the Amazon Store Card. The phone number appears on your physical card and on your billing statement.

Mailing a check is slower — allow 7 to 10 business days for the payment to reach the processing center and post to your account. Your billing statement shows the mailing address. You can also set up automatic payments through your bank's bill pay feature, which sends a check on a schedule you choose, though this method also takes 7 to 10 days to clear.

Key Takeaways

  • Paying through your Amazon account is the fastest method and posts the same business day if you pay before the evening cutoff.
  • You can call the card issuer directly — Chase for most Amazon cards, Synchrony for the Store Card — and make a payment over the phone.
  • Mailed checks take 7 to 10 business days to post, so send them well before your due date to avoid late fees.
  • Your billing statement lists the mailing address and the issuer's phone number; both appear on your physical card as well.
  • Setting up automatic payments through your bank's bill pay system works but also takes 7 to 10 days, so schedule payments early in your billing cycle.

Paying Through Your Amazon Account

Log into your Amazon account and go to "Account & Lists" in the top right corner. Select "Your Account," then scroll down to find "Credit Card Accounts" or "Manage Your Amazon Credit Card." Click on the card you want to pay. You will see your current balance, minimum payment, 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 method (usually a bank account or debit card linked to your Amazon account). Review the details and confirm. The payment posts immediately if submitted before the cutoff time; if you pay after cutoff, it posts the next business day.

Keep the confirmation number that appears after you submit. It serves as proof of payment if there is ever a dispute about whether the payment went through. You can also view your payment history in the same section, which shows all payments made in the past 12 months.

Paying by Phone

Call the number on the back of your card or on your billing statement. Have your card number, Social Security number, and the amount you want to pay ready. The automated system will walk you through the payment or connect you to a representative if you need help.

Payments made by phone post the same business day if you call before the cutoff time, usually 8 p.m. Eastern on business days. The representative will give you a confirmation number — write it down. Ask when the payment will post if you are cutting it close to your due date, since posting times can vary slightly by time zone and the exact time you call.

Understanding Payment Timing and Due Dates

Your due date appears on every billing statement and in your Amazon account. Payments must post by 5 p.m. Eastern on the due date to avoid a late fee. "Post" means the issuer has received and recorded the payment, not the day you make it.

Payments made through your Amazon account or by phone post the same business day if submitted before cutoff. Mailed checks and bank bill pay transfers take 7 to 10 business days, so send them at least two weeks before your due date to be safe. If your due date falls on a weekend or holiday, the issuer typically extends it to the next business day, but do not rely on this — pay early instead.

If you miss your due date, a late fee applies immediately. The fee amount depends on your balance and the card issuer's terms, but typically ranges from $25 to $40 for the first late payment. A payment made after the due date still counts as late even if it posts the same day you submit it.

Setting Up Automatic Payments

You can set up automatic payments directly through your Amazon account or through your bank's bill pay system. In your Amazon account, go to the credit card section and look for "Autopay" or "Automatic Payments." Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out — ideally before your due date.

Automatic payments through Amazon post the same business day if set for a date before your cutoff time. Automatic payments through your bank's bill pay system work differently: your bank sends a check on the date you choose, and it takes 7 to 10 business days to clear. If you use bank bill pay, set the payment date at least 15 days before your due date.

You can change or cancel automatic payments at any time. If you cancel, make sure you have another payment method in place so you do not miss a due date by accident. Automatic payments do not stop if your card is closed or replaced, so update your settings if your account changes.

What Happens If You Miss a Payment

A late fee of $25 to $40 appears on your next statement if your payment does not post by the due date. Your interest rate may also increase — most card issuers apply a higher APR to accounts with late payments. The late payment stays on your credit report for seven years, even after you pay it off.

If you are more than 60 days late, the issuer may freeze your account, meaning you cannot make new purchases. You can still pay down the balance, but you cannot use the card. If you reach 180 days late, the issuer typically closes the account and sends it to collections.

If you realize you will miss a due date, call the issuer immediately. Some issuers will waive a single late fee if you have a good payment history and call before the due date passes. This is not may provide, but it is worth asking.

Paying More Than the Minimum

Paying more than the minimum payment reduces the amount of interest you owe and gets you out of debt faster. Your minimum payment covers only a small portion of the interest accrued that month, so the balance shrinks slowly if you pay only the minimum.

For example, a $5,000 balance at 20% APR with a minimum payment of 2% of the balance means you pay $100 the first month, but $83 of that goes to interest and only $17 reduces the balance. At that rate, it takes years to pay off the card. Paying $200 or $300 per month instead cuts the payoff time significantly and saves hundreds in interest.

You can pay any amount above the minimum without penalty. There is no fee for paying early or paying in full. If you pay the full balance before the end of your billing cycle, you owe no interest on new purchases made after that payment posts.

Frequently Asked Questions

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

No. Credit card issuers do not accept payments from other credit cards because it increases fraud risk and creates a chain of debt. You must pay with a bank account, debit card, or check. Some third-party payment services claim to let you pay a credit card with another card, but they charge high fees and are not recommended.

What if I pay online but the payment does not show up?

Check your Amazon account 24 hours after you submit the payment — it may still be processing. If it does not appear after one business day, log back in and check whether the payment went through or was declined. If it was declined, you will see an error message explaining why (usually an expired debit card or insufficient funds). Make the payment again with a different payment method. Keep your confirmation number and contact the issuer if the payment still does not post after two business days.

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

You can pay any amount from the minimum to the full balance. The minimum is the smallest amount you must pay to stay current on the account. Paying only the minimum means you owe interest on the remaining balance, and it takes much longer to pay off the card. Paying more than the minimum saves interest and reduces your balance faster.

Can I get a late fee removed if I pay a few days late?

Call the issuer and ask. If you have a good payment history and this is your first late payment, some issuers will remove the fee as a courtesy. There is no may provide, but it costs nothing to ask. The sooner you call after missing the due date, the better your chances.

What is the difference between my statement balance and my current balance?

Your statement balance is what you owed on the date your billing cycle ended — this is the amount shown on your bill. Your current balance includes new purchases and payments made after the billing cycle closed. You can pay either amount, but paying the full statement balance ensures you owe no interest on purchases from that billing cycle.