How to pay your Amazon credit card bill

You can pay your Amazon credit card bill through your Amazon account, by phone, by mail, or through your bank's bill pay system. The fastest method is logging into your Amazon account and making a payment from there — it takes about five minutes and posts within one business day. If you prefer to pay by phone, you can call the customer service number on the back of your card. Mail payments and bank bill pay both work but take longer to process.

Your payment due date appears on your monthly statement and in your Amazon account under "Your Account" > "Login & security" > "Your payments." You can pay the full balance, the minimum payment, or any amount in between. Payments made before 11:59 p.m. ET on your due date count as on-time.

Key Takeaways

  • The fastest way to pay is through your Amazon account online, where the payment posts within one business day.
  • You can also pay by phone using the number on your card, by mail to the address on your statement, or through your bank's bill pay system.
  • Your due date is listed on your monthly statement and in your Amazon account under payment settings.
  • Payments made by 11:59 p.m. ET on your due date are considered on-time and do not trigger a late fee.

Paying through your Amazon account online

Log into your Amazon account and go to "Your Account" in the top right corner. Select "Login & security," then scroll down to "Your payments." You will see your current balance and due date. Click "Make a payment" and enter the amount you want to pay — you can pay the full balance, the minimum, or a custom amount.

Choose your payment method. If you have a bank account linked to your Amazon account, you can pay from that account. Otherwise, you can use a debit card or another credit card. Enter the amount and confirm. The payment posts to your account within one business day, though it may show as pending for a few hours.

Paying by phone

Call the customer service number printed on the back of your Amazon credit card. A representative will verify your identity and take your payment over the phone. You will need your card number and the amount you want to pay ready. Phone payments typically post within one to two business days.

This method works if you do not have internet access or prefer to speak with someone. Keep in mind that phone lines may have wait times, especially near the due date.

Paying by mail

Write a check or money order for the amount you owe and mail it to the address listed on your statement under "Payment Address." Include your account number on the check. Mail payments take seven to ten business days to arrive and post, so send your payment at least two weeks before your due date to avoid a late payment.

Always use the payment address on your statement, not the address where you receive your bill. The two may be different. Keep a record of the check number and mailing date in case you need to track the payment later.

Paying through your bank's bill pay system

If your bank offers bill pay, you can set up a payment to your Amazon credit card through your bank's website or app. Log into your bank account, find the bill pay section, and add your Amazon credit card as a payee using the payment address from your statement. Enter the amount and choose a payment date.

Your bank will mail a check on your behalf, so allow seven to ten business days for delivery and posting. This method is useful if you want to schedule recurring payments or pay from a specific bank account. Some banks allow you to set up automatic payments so you never miss a due date.

Setting up automatic payments

You can set up automatic payments through your Amazon account to pay a fixed amount each month on a date you choose. Go to "Your Account" > "Login & security" > "Your payments" and look for the automatic payment option. You can choose to pay the full balance, the minimum payment, or a set dollar amount each month.

Automatic payments remove the risk of forgetting a due date and triggering a late fee. You can change or cancel automatic payments at any time through your account settings. If your balance changes month to month, you may want to set automatic payments for the minimum and pay extra when you can, rather than a fixed amount.

What happens if you miss a payment

If your payment does not arrive by 11:59 p.m. ET on your due date, your account is considered late. A late fee will be charged to your account, and the late payment will be reported to credit bureaus, which can lower your credit score. The longer the payment stays overdue, the more damage it can do to your credit.

If you miss a payment, contact customer service as soon as possible. Some issuers will waive a single late fee if you have a good payment history and call within a few days. The sooner you pay, the sooner the late status can be resolved. Set a reminder on your phone or calendar for a few days before your due date to avoid this situation.

Frequently Asked Questions

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

Yes, you can use another credit card to pay through your Amazon account online. However, the card issuer may charge a cash advance fee or treat it as a balance transfer, which can be expensive. Paying from a bank account or with a debit card is usually cheaper.

How do I know if my payment went through?

Log into your Amazon account and check your balance under "Your payments." Online and phone payments show as pending within a few hours and post within one business day. Mail and bank bill pay take longer — check back after seven to ten business days.

What if I pay more than I owe?

The extra amount becomes a credit on your account and will be applied to your next bill. You can also request a refund of the overpayment by contacting customer service, though this may take a few weeks to process.

Can I change my due date?

Yes, you can request a due date change through your Amazon account or by calling customer service. The new due date typically takes effect on your next billing cycle. Changing your due date can help you align your payment with your paycheck or other bills.

What if I cannot pay the full balance?

You can pay the minimum amount due without penalty, though interest will accrue on the remaining balance. Paying more than the minimum reduces the amount of interest you owe. Check your statement for the minimum payment amount and due date.