How to pay your Amazon credit card bill

You pay your Amazon credit card through the card issuer's website or app, not through Amazon.com itself. The issuer is either Chase (for the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Card) or Synchrony (for the Amazon Store Card). Each has its own payment portal, and you log in with your card account credentials — not your Amazon shopping account.

The fastest route is usually the issuer's mobile app or website. You can set up a one-time payment in minutes, or arrange automatic payments so you never miss a due date. If you prefer to pay by phone or mail, both issuers accept those methods, though they take longer to process.

Key Takeaways

  • Chase handles the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Card; Synchrony handles the Amazon Store Card — check your statement to confirm which issuer you have.
  • Log into your card account at chase.com or mysynchrony.com to pay online; do not use your Amazon.com login.
  • Automatic payments can be set to pay your full balance, minimum payment, or a fixed amount on a date you choose.
  • Phone and mail payments are accepted but take five to seven business days to post, so plan ahead if your due date is near.

Paying through Chase online or mobile app

If you have a Chase Amazon card, go to chase.com and sign in with your Chase account username and password. Select your Amazon card from the accounts list, then choose "Make a Payment." You can pay immediately from a linked bank account or schedule a payment for a future date. Chase processes online payments the same business day if submitted before 8 p.m. ET on a weekday.

The Chase Mobile app works the same way. Download it, sign in, tap your Amazon card, and select "Pay." You can see your balance, due date, and recent transactions in the same place, which makes it easy to stay on top of what you owe.

Paying through Synchrony online or mobile app

For the Amazon Store Card, log into your account at mysynchrony.com using your Synchrony username and password. Click "Make a Payment," choose your payment amount and date, and confirm. Synchrony also has a mobile app where you can pay the same way. Payments submitted before midnight ET are typically posted the next business day.

Synchrony lets you set up recurring automatic payments directly from your checking or savings account. You choose the payment amount (full balance, minimum, or a set dollar amount) and the date each month, and the payment happens without you having to log in again.

Setting up automatic payments

Both Chase and Synchrony allow you to set up automatic payments so your bill is paid on schedule without manual action each month. In Chase, go to "Manage Automatic Payments" under the payment section and choose your payment date and amount. In Synchrony, select "Manage Automatic Payments" in the same area.

You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount. If you choose to pay the full balance automatically, the payment will adjust each month based on what you owe. This is the safest option if you want to avoid interest charges, since it pays off everything due.

Paying by phone

Chase customers can call 1-800-432-3117 to pay by phone. Have your card number and bank account information ready. Synchrony customers can call 1-866-634-8379. Both lines are available 24/7, and a representative will walk you through the payment process. Phone payments typically post within one to two business days.

Phone payments are useful if you need to pay right away and do not have online access, or if you prefer speaking to someone. However, they take longer to process than online payments, so do not use this method if your due date is tomorrow.

Paying by mail

You can mail a check or money order to the address printed on your statement. Look for a "Payment Address" section on the front or back of your bill. Write your account number on the check and mail it at least one week before your due date to account for postal delays.

Mail payments are the slowest option — they typically take five to seven business days to post after the issuer receives them. If your due date is within a week, do not rely on mail. Keep a copy of the check or take a photo of it before mailing as proof of payment.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, the issuer will report it as late to the credit bureaus. This can lower your credit score and trigger a late fee (usually $25 to $35 for the first late payment, higher for subsequent ones). Interest will also accrue on your balance at your card's APR.

If you realize you will miss a due date, contact Chase or Synchrony before the date passes. Some issuers will waive a late fee if you call and pay immediately, especially if it is your first missed payment. The sooner you contact them, the better your chances of avoiding the fee.

Frequently Asked Questions

Can I pay my Amazon credit card through Amazon.com?

No. Amazon.com does not process payments for any credit card, including its own branded cards. You must pay through the card issuer's website or app — Chase or Synchrony — using your card account login, not your Amazon shopping account.

What is the difference between the Chase and Synchrony Amazon cards?

Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card. Synchrony issues the Amazon Store Card. You can tell which one you have by looking at your physical card or your statement. Each has its own payment website and phone number.

How long does it take for an online payment to post?

Chase online payments post the same business day if submitted before 8 p.m. ET. Synchrony payments typically post the next business day. Phone and mail payments take one to seven business days depending on the method. Check your statement to confirm the exact posting date.

Can I set up automatic payments for just part of my balance?

Yes. Both Chase and Synchrony let you set automatic payments for a fixed dollar amount each month, not just the full balance or minimum. You can change the amount anytime by logging into your account and updating your automatic payment settings.

What if I pay more than I owe?

The overpayment becomes a credit on your account. You can use it toward your next statement balance, or request a refund from the issuer. Most issuers will refund overpayments if you ask, though it may take a few business days to process.