Where and how to pay your Amazon credit card bill
You can pay your Amazon credit card bill through the card issuer's website or mobile app, by phone, by mail, or through automatic payments. The issuer depends on which Amazon card you hold: Chase issues the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, while Synchrony Bank issues the Amazon Store Card. Each issuer has its own payment portal and phone line, so the exact steps differ by card.
The fastest way is usually the issuer's website or app — you log in, enter the amount, and the payment posts within one to two business days. If you prefer not to log in online, you can call the customer service number on the back of your card and make a payment over the phone. Both routes let you pay the full balance, the minimum payment, or any amount in between.
Key Takeaways
- Chase-issued Amazon cards (Prime Rewards and Rewards cards) use Chase's payment system, while the Amazon Store Card uses Synchrony's system, so you need the correct issuer's website or phone number.
- You can pay online, by phone, by mail, or set up automatic payments, and most online payments post within one to two business days.
- Paying before your statement due date stops interest charges, while paying only the minimum leaves a balance that accrues interest at the card's APR.
- Setting up autopay ensures you never miss a due date, though you can still make extra payments anytime without penalty.
Payment methods for Chase Amazon cards
If you hold the Amazon Prime Rewards Visa Signature Card or the Amazon Rewards Visa Card, Chase is your issuer. You can pay through Chase's website at chase.com, the Chase Mobile app, or by calling 1-800-955-9060. Online payments typically post within one business day; payments made before 8 p.m. ET on a business day often post the same day.
You can also pay by mail by sending a check to the address listed on your statement, though mail payments take longer to reach Chase and post. When you pay by mail, include your account number on the check and send it to the address printed on your bill — not to a Chase branch or office.
To set up automatic payments through Chase, log into your account online, go to the payments section, and choose the amount and due date. You can set it to pay the full statement balance, the minimum payment, or a fixed amount each month. Chase will deduct the payment from your bank account on the date you choose.
Payment methods for the Amazon Store Card
The Amazon Store Card is issued by Synchrony Bank, not Chase, so you use Synchrony's payment system. You can pay through Synchrony's website at mysynchrony.com, the Synchrony app, or by calling 1-866-297-8254. Like Chase, online payments typically post within one business day if made before the cutoff time.
Synchrony also accepts mail payments sent to the address on your statement. Include your account number and send payment to the mailing address listed on your bill. You can set up automatic payments through Synchrony's website by logging in and selecting your payment amount and due date.
Understanding due dates and interest charges
Your statement due date is the last day to pay without incurring interest charges. This date appears on your monthly statement and in your online account. If you pay the full statement balance by this date, no interest accrues on your purchases. If you pay only part of the balance, interest charges explore to the remaining amount at your card's APR, which varies based on your creditworthiness and current market rates.
The minimum payment is the smallest amount you can pay to keep your account in good standing, but paying only the minimum means the rest of your balance will accrue interest. Paying more than the minimum reduces the amount that accrues interest and helps you pay off the card faster. You can make payments anytime — there is no penalty for paying early or paying multiple times per month.
Late payments and what happens if you miss the due date
If your payment does not arrive by the due date, your account is considered late. A late payment typically triggers a late fee (the amount varies by card terms) and may cause your APR to increase to a penalty rate. Late payments also appear on your credit report and can lower your credit score.
If you realize you will miss a due date, contact your issuer — Chase at 1-800-955-9060 or Synchrony at 1-866-297-8254 — to discuss options. Some cardholders can request a due date change or a one-time waiver, though this is not may provide. Paying as soon as you can after the due date limits the damage, but the late fee and interest charges will still explore.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting to pay. Both Chase and Synchrony let you set up autopay through their websites or apps. You choose the payment amount (full balance, minimum, or a fixed amount), the due date, and your bank account, and the issuer deducts the payment automatically each month.
Setting autopay to the full statement balance means you pay no interest and never carry a balance. If you prefer to pay a fixed amount each month, autopay still ensures you meet the minimum payment important date. You can change or cancel autopay anytime, and you can make additional payments outside of autopay without any issue.
Frequently Asked Questions
How long does it take for an online payment to post?
Most online payments post within one business day. If you pay before the cutoff time (usually 8 p.m. ET on a business day), the payment may post the same day. Payments made on weekends or holidays post on the next business day.
Can I pay my Amazon credit card bill through Amazon.com?
No. You must pay through your card issuer's website or app — Chase for the Prime Rewards and Rewards cards, or Synchrony for the Store Card. Amazon.com does not process credit card payments.
What happens if I pay more than my statement balance?
The extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request a refund from your issuer. Contact Chase or Synchrony to request a refund if you prefer.
Is there a fee for paying my bill online?
No. Both Chase and Synchrony charge no fee for online payments, phone payments, or automatic payments. Mail payments are also free, though they take longer to process.
Can I change my due date?
Yes. Log into your account on Chase.com or Synchrony.com and look for the option to change your due date. You can usually move your due date to any day of the month, which is helpful if you want to align it with your payday or other bills.