Where to Send Your Amazon Credit Card Payment

The Amazon credit card is issued by Chase, so you pay Chase, not Amazon directly. You have four main routes: online through your Chase account, by phone, by mail, or through automatic payments set up in advance. Which one you use depends on how quickly you need the payment posted and whether you want to handle it once or set it and forget it.

The fastest way is through your Chase online account or the Chase mobile app. Log in, find your Amazon credit card, and select "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. The payment posts the same business day if you submit before the cutoff time, which is typically 8 p.m. Eastern on business days.

If you prefer to pay by phone, call the number on the back of your card. A representative will ask for your account number and the amount you want to pay, then confirm the payment date. Phone payments also post same-day if you call before the cutoff.

Key Takeaways

  • Pay your Amazon credit card through Chase online, the Chase app, by phone, or by mail—never directly to Amazon.
  • Online and phone payments post the same business day if submitted before the cutoff time, usually 8 p.m. Eastern.
  • Mail payments take 5 to 7 business days to post, so send them well before your due date to avoid late fees.
  • Set up automatic payments through your Chase account to pay a fixed amount or your full balance on the same date each month.
  • Your payment due date appears on your statement and online account; paying after that date triggers a late fee and may raise your interest rate.

Paying Online or Through the Chase App

Log into your Chase account at chase.com or open the Chase mobile app on your phone. Select your Amazon credit card from the list of accounts. You will see your current balance, minimum payment due, and due date. Tap or click "Make a Payment."

Enter the amount you want to pay. You can pay the full balance, the minimum payment, or a custom amount. Choose the payment date—you can pay today or schedule it for a future date up to 30 days out. Review the details and confirm. The payment will post the same business day if you submit before 8 p.m. Eastern on a business day; weekend and holiday submissions post the next business day.

This method is free and leaves a record in your account history. You can also set up a one-time payment this way without enrolling in automatic payments.

Paying by Phone

Call the customer service number on the back of your Amazon credit card. A representative will verify your identity by asking for your account number, Social Security number, or other details. Tell them the amount you want to pay and the date you want it posted.

Phone payments are free and post the same business day if you call before the cutoff time. The representative will give you a confirmation number; write it down or ask them to email it to you. This method works if you do not have online access or prefer speaking to someone, but it takes longer than online payment because you have to wait on hold.

Paying by Mail

You can mail a check or money order to the address shown on your statement. Look for a section labeled "Payment Address" or "Make Payments To" on the front or back of your bill. Write your account number on the check or money order.

Mail payments take 5 to 7 business days to post after Chase receives them, and mail itself can take 3 to 5 days. Send your payment at least 10 days before your due date to be safe. If your payment arrives after the due date, you will be charged a late fee even though you mailed it on time. Keep a copy of the check or a photo of the money order for your records.

Setting Up Automatic Payments

Automatic payments remove the need to remember your due date each month. Log into your Chase account, go to your Amazon credit card, and look for "Autopay" or "Automatic Payments." You will see options to pay your full balance, the minimum payment, or a fixed dollar amount on a date you choose.

Most people choose to pay the full balance automatically to avoid interest charges. Select your payment date—many choose the date their paycheck arrives or a few days after their statement closing date. Confirm the setup. The payment will process automatically every month on that date.

You can change or cancel automatic payments anytime through your Chase account. If you set up automatic payments, you still need to watch your account during the month to catch fraud or errors, but you will not miss a due date by accident.

What Happens If You Miss Your Due Date

Your payment due date is printed on your statement and shown in your online account. If your payment does not post by that date, Chase charges a late fee. The fee amount depends on your balance: typically $25 for balances under $100, or $35 for balances $100 and above. Some cardholders with good payment history may have the first late fee waived if they call and ask.

A late payment also triggers a higher interest rate on your card, called a penalty APR. This rate applies to new purchases and your existing balance. It stays in effect for at least six months, even after you catch up on payments. The best protection is to pay at least the minimum by the due date, every month.

If you are more than 30 days late, the late payment appears on your credit report and can lower your credit score. If you are 60 days late, the damage is worse. If you are 180 days late, Chase may close your account and send it to a collection agency.

Understanding Your Statement and Balance

Your statement shows three key numbers: the new balance (what you owe), the minimum payment (the least you must pay), and the due date (when it must arrive). The new balance includes purchases you made during the billing cycle plus any interest or fees from the previous month.

If you pay only the minimum, the rest of your balance carries over to next month and accrues interest. Interest accrues daily on the unpaid balance at your card's APR. If your APR is 18%, for example, and you carry a $1,000 balance, you will owe roughly $15 in interest that month. Paying the full balance each month avoids interest entirely.

Your statement also lists each transaction, any fees, and the interest charged. Review it for accuracy before you pay. If you see a charge you did not make, report it to Chase within 60 days to dispute it.

Frequently Asked Questions

Can I pay my Amazon credit card with an Amazon gift card?

No. Your Amazon credit card bill is a debt to Chase, not to Amazon. You must pay Chase with money—a bank transfer, check, or debit card. You cannot use Amazon gift cards, Amazon account balance, or Amazon Prime membership to pay your credit card bill.

What if I pay more than I owe?

The extra amount becomes a credit on your account. Chase will apply it to your next month's balance, or you can request a refund. Some cardholders intentionally overpay to build a buffer, so they do not have to pay every single month. Call Chase if you want to request a refund of a credit balance.

Is there a fee to pay my credit card bill?

No. Paying through Chase online, the app, or by phone is free. Paying by mail is free if you use a check or money order. Some third-party payment services charge a fee to pay your bill on your behalf, but Chase does not charge you directly.

How do I know if my payment went through?

Log into your Chase account and check your balance. If the payment posted, your balance will be lower and you will see the payment listed in your transaction history. Online and phone payments show up the same business day; mail payments take 5 to 7 days. You can also call Chase customer service to confirm.

What if I cannot pay my full balance?

Pay at least the minimum payment by the due date to avoid a late fee and penalty APR. The rest of your balance will carry over and accrue interest, but you will not damage your credit or face collection action. If you are struggling to pay, contact Chase to discuss hardship options or a payment plan.