Making a payment on your Amazon Store Card

You can pay your Amazon Store Card balance through your Amazon account, by phone, by mail, or through automatic payments. The fastest way is logging into your Amazon account, going to your card settings, and paying online — the payment posts the same day if you pay before the cutoff time, which is usually 8 p.m. ET on business days. You can also call the customer service number on the back of your card to pay over the phone, mail a check to the address on your statement, or set up automatic payments so a fixed amount or your full balance pays each month without you having to remember.

Your payment due date appears on your monthly statement and is typically 25 days after your statement closes. Paying at least the minimum amount by that date keeps your account in good standing. If you pay late, you may face a late fee and interest charges on your remaining balance.

Key Takeaways

  • Online payment through your Amazon account is the fastest method and posts the same day if submitted before the evening cutoff on a business day.
  • You can pay by phone using the number on your card, by mail to the address listed on your statement, or by setting up automatic monthly payments.
  • Your payment due date is listed on your monthly statement and is typically 25 days after your statement closes.
  • Paying after the due date triggers late fees and interest charges, so setting a reminder or using automatic payments helps you avoid those costs.
  • Your available credit refreshes as soon as your payment posts, so you can use that credit again right away.

Paying online through your Amazon account

Log into your Amazon account on a computer or the Amazon mobile app. Go to "Account" and select "Login & security" or "Your Account," then look for "Amazon Store Card" or "Manage Your Card." From there, you should see an option to make a payment or view your account details. Click on the payment option and enter the amount you want to pay.

Amazon will ask you to confirm the payment method — usually the bank account or debit card linked to your Amazon account. Review the amount and due date one more time, then submit. You will see a confirmation number on screen and receive an email receipt. The payment posts the same business day if you submit it before the cutoff time, usually around 8 p.m. ET. If you pay after that time or on a weekend or holiday, it posts the next business day.

Paying by phone

Call the customer service number printed on the back of your Amazon Store Card. A representative will verify your identity by asking for your card number, Social Security number, or other account details. Tell them you want to make a payment and provide the amount.

The representative will confirm the payment method — they can charge your bank account, debit card, or another card on file. You will receive a confirmation number and can ask for the expected posting date. Phone payments typically post within one to two business days.

Paying by mail

Write a check or money order payable to Amazon Store Card. Include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this address is different from your billing address, so use the one on your statement to may support it reaches the right processing center.

Mail payments take longer to post than online or phone payments. Depending on mail delivery time and processing, expect your payment to post five to seven business days after you mail it. To avoid a late fee, mail your payment at least one week before your due date. If you are close to your due date, use online or phone payment instead.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. Log into your Amazon account, go to your Store Card settings, and look for "Automatic Payments" or "Autopay." You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment each month.

Select the bank account or debit card you want the payment to come from, then choose the date each month when the payment should process — many people pick a date shortly after they get paid. Amazon will send you a reminder email before each automatic payment goes through. You can change or cancel automatic payments anytime through your account settings, and you can still make extra payments whenever you want without affecting your automatic payment schedule.

What happens if you miss a payment

If your payment does not arrive by the due date, you will owe a late fee — the amount varies but is typically $25 to $40 for the first late payment. You will also start paying interest on your remaining balance at your card's annual percentage rate (APR), which is shown on your statement. The late payment stays on your credit report for up to seven years and can lower your credit score.

If you realize you will miss the due date, contact customer service right away. Some situations allow the bank to waive a single late fee if you have a good payment history, though they are not required to do so. After that, focus on paying on time going forward — your payment history is the biggest factor in your credit score, so staying current matters more than anything else with this card.

How to check your balance and payment status

You can check your balance and see whether your payment has posted by logging into your Amazon account and viewing your Store Card details. Your current balance, available credit, and recent transactions all appear there. You can also view your monthly statement, which shows your opening balance, all charges, payments received, and your new balance.

If you just made a payment and want to confirm it posted, check your account a few hours after the expected posting time. Online payments usually show up within hours; phone and mail payments take longer. Your available credit increases as soon as the payment posts, so you can use that credit again right away.

Frequently Asked Questions

Can I pay my Amazon Store Card with a different bank account than the one linked to my Amazon account?

Yes. When you pay by phone, the representative can take payment from any bank account or card you provide. When you pay online, you may be able to add a new payment method during checkout. If you want to use a different account for automatic payments, contact customer service to update your payment method on file.

What time does my online payment need to be submitted to post the same day?

Online payments submitted before 8 p.m. ET on a business day typically post the same day. Payments submitted after that time or on weekends and holidays post the next business day. The exact cutoff may vary, so if you are cutting it close, use phone payment or call customer service to confirm the timing.

If I pay more than the minimum, does the extra go toward my next month's bill?

No. Any payment you make reduces your current balance. If you pay more than you owe, the extra amount becomes a credit on your account that you can use toward future purchases. You can also request a refund of the credit balance by contacting customer service.

Do I have to use the same payment method every month?

No. Each time you pay online or by phone, you can choose a different payment method from those you have on file. For automatic payments, you pick one method when you set it up, but you can change it anytime through your account settings.

What should I do if my payment was rejected?

Contact customer service right away. A rejected payment usually means the bank account or card you tried to use was declined — often due to insufficient funds, an expired card, or a closed account. Customer service can tell you why it was rejected and help you submit the payment using a different method before your due date.