Where to pay your Amazon credit card bill
You can pay your Amazon credit card bill through the Amazon website, the Amazon mobile app, or by contacting Synchrony Bank directly — Synchrony is the bank that issues the card on Amazon's behalf. The fastest route is logging into your Amazon account, going to "Login & security," then "Your account," and selecting the card under "Your credit cards." From there you can see your balance and make a payment in minutes.
If you prefer not to use Amazon's website, you can call Synchrony at the number on the back of your card or visit Synchrony's website directly at mysynchrony.com. You can also set up automatic payments through any of these channels so the bill pays itself each month on a date you choose.
Key Takeaways
- Log into your Amazon account, navigate to "Your account," and select your card under "Your credit cards" to pay online in minutes.
- You can pay through Synchrony Bank's website at mysynchrony.com or by calling the number on the back of your card if you prefer not to use Amazon.
- Automatic payments can be set up through Amazon or Synchrony and will deduct from your bank account on a date you select each month.
- Payments made online or by phone typically post within one business day, though mailed checks take five to seven business days.
- Your minimum payment is due by the date shown on your statement, but paying the full balance avoids interest charges.
Paying online through Amazon
Start by signing into your Amazon account on amazon.com. Click on "Account" in the top right corner, then select "Login & security." Scroll down to find "Your account" and click it. Under "Your credit cards," you'll see your Amazon credit card listed with your current balance.
Click on the card to open its details page. You'll see your statement balance, minimum payment due, and the due date. Select "Make a payment" and enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method (the bank account linked to your Amazon account or a different account), confirm the details, and submit. The payment typically posts within one business day.
Paying through Synchrony Bank
Visit mysynchrony.com and log in with your Synchrony username and password. If you don't have a Synchrony account set up yet, you can create one using your card number and other identifying information. Once logged in, you'll see your account summary with your balance and due date.
Click "Make a payment" and select your payment method — you can pay from a bank account, use a debit card, or mail a check. Enter the amount and confirm. Payments from a bank account post within one business day. If you use a debit card, there may be a fee, so check before submitting. Mailed checks take five to seven business days to post.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Through Amazon, go to your card details page, click "Manage your account," and select "Automatic payments." Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. Select the date the payment should process and the bank account it should draw from.
Through Synchrony, log into mysynchrony.com, go to "Payments," then "Automatic payments," and follow the same steps. You can change or cancel automatic payments anytime, and Synchrony will send you a confirmation email before each payment processes. If your bank account changes, update it in your payment settings to avoid failed payments.
Payment methods and timing
The Amazon credit card accepts payments from a linked bank account (the fastest option), a different bank account you enter manually, or a debit card through Synchrony. You cannot pay with another credit card. Payments from a bank account post within one business day when made online or by phone. Mailed checks take longer — typically five to seven business days — so mail payments well before your due date if you're close to it.
If you're paying by mail, write your account number on the check and send it to the address shown on your statement. Do not send payments to Amazon's main address; use the payment address listed on your bill. If you're unsure, call Synchrony at the number on your card to confirm the mailing address.
What happens if you miss a payment
If your payment doesn't arrive by the due date shown on your statement, Synchrony will report the late payment to credit bureaus, which can lower your credit score. You'll also be charged a late fee — the amount depends on your balance but is typically $25 to $35 for the first late payment. After 30 days past due, you may lose your promotional financing offer if you have one active.
If you realize you'll miss a due date, contact Synchrony immediately at the number on your card. Some customers have had late fees waived if they call before the payment is reported, though this is not may provide. After a missed payment, your interest rate may increase, so catching up quickly matters.
Understanding your statement and balance
Your statement shows your statement balance (what you owe from the last billing cycle), your minimum payment due, and your due date. The statement balance is what you should pay to avoid interest. If you only pay the minimum, interest accrues on the remaining balance at your card's APR, which varies by creditworthiness.
Your current balance (different from your statement balance) includes new purchases made after your last statement closed. These purchases typically have a grace period of 21 days before interest starts, but only if you paid your previous statement balance in full. If you carry a balance, interest starts immediately on new purchases.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Synchrony does not accept credit card payments for the Amazon credit card. You must pay from a bank account, with a debit card, or by mailing a check. Paying a credit card with another credit card typically counts as a cash advance anyway, which carries higher fees and interest rates.
What's the difference between my statement balance and current balance?
Your statement balance is what you owed at the end of your last billing cycle and is what you should pay to avoid interest. Your current balance includes new purchases made after that statement closed. If you only pay the statement balance, new purchases still have a 21-day grace period before interest starts — but only if you paid the full statement balance.
How do I know if my payment went through?
Log into your Amazon account or Synchrony's website and check your account summary. You should see the payment listed under recent transactions and your balance should decrease. Synchrony also sends a confirmation email when a payment is processed. If you mailed a check, call Synchrony after seven business days to confirm it posted.
Can I change my automatic payment amount or date?
Yes. Log into Amazon or Synchrony anytime and go to your automatic payment settings. You can change the amount, the date, or turn off automatic payments entirely. Changes typically take effect on your next scheduled payment date. Synchrony sends a confirmation email before each automatic payment processes.
What if I want to pay more than my statement balance?
You can pay any amount up to your current balance. Paying more than your statement balance reduces the interest you'll owe on carried balances and lowers your credit utilization ratio, which can help your credit score. There's no penalty for overpaying.