How to Pay Your Amazon Credit Card: Every Method Explained

Amazon offers two co-branded credit cards issued by Synchrony Bank — the Amazon Store Card (usable only on Amazon) and the Amazon Rewards Visa Signature Card issued by Chase. Because these are two different cards from two different issuers, how you pay depends entirely on which card you have. Knowing the distinction upfront saves confusion.

Which Amazon Credit Card Do You Have?

Before walking through payment methods, confirm your issuer:

If you're unsure, check the back of your card or look at your monthly statement — the issuer's name and customer service number will be printed there.

Ways to Pay Your Amazon Store Card (Synchrony)

Pay Through Your Amazon Account

The most seamless option for Synchrony cardholders is paying directly through Amazon.com:

1. Log in to your Amazon account
2. Navigate to Account & Lists → Your Account
3. Select Amazon Credit Card
4. Choose Make a Payment

You'll be redirected to Synchrony's payment portal, where you can pay your statement balance, minimum payment, or a custom amount.

Pay Through Synchrony's Website or App

You can also go directly to mysynchrony.com, log in with your Synchrony credentials, and manage payments from there. Synchrony's mobile app supports the same functionality if you prefer your phone.

Pay by Phone

Call the number on the back of your Amazon Store Card. Synchrony's automated phone system accepts payments 24/7. Have your bank account routing number and account number ready.

Pay by Mail

Mailed checks should be sent to the payment address printed on your monthly statement. Never use the correspondence address — it's different and will delay your payment. Allow at least 5–7 business days for mail delivery.

Pay at a Bank Branch

Synchrony Bank does not operate physical branches, so in-person payment is not an option for Amazon Store Card holders.

Ways to Pay Your Amazon Visa (Chase)

Pay Through Chase Online or the App

Chase cardholders can pay at chase.com or through the Chase Mobile app:

1. Log in and select your Amazon Visa
2. Choose Pay Card
3. Select the payment amount and funding account
4. Schedule same-day or future-dated payments

Chase allows you to set up AutoPay, which is one of the most reliable ways to avoid late fees — you can set it to pay the minimum, statement balance, or a fixed amount automatically each month.

Pay by Phone

Call the customer service number on the back of your Chase Amazon Visa. Automated payments are available around the clock.

Pay by Mail

Send a check or money order to the Chase payment address listed on your statement. Include your account number on the memo line. 📬

Pay at a Chase Branch or ATM

Unlike Synchrony, Chase has physical branches and ATMs where you can make credit card payments in person. Bring your card or account number.

Payment Amounts: What You Should Know

Every billing cycle, you'll have a few payment choices:

• Minimum payment — the smallest amount required to keep your account in good standing. Paying only this leads to interest charges on the remaining balance.
• Statement balance — the full amount owed as of your last billing cycle close. Paying this in full by the due date means you pay no interest, thanks to the grace period.
• Current balance — includes recent charges not yet reflected in the statement balance.

💡 Grace period matters here. Most credit cards offer a grace period — typically 21–25 days from the statement close date to the due date — during which no interest accrues on purchases if you pay the full statement balance. Once you carry a balance, the grace period typically disappears until you've paid in full again.

What Happens If You Miss a Payment?

Missing a due date triggers a few potential consequences:

• Late fee — charged on the next statement
• Interest charges — your outstanding balance begins accruing interest at your card's APR
• Credit score impact — payments 30+ days late are reported to credit bureaus and can significantly lower your score
• Penalty APR — some issuers apply a higher rate after missed payments; check your cardholder agreement

Setting up AutoPay for at least the minimum payment is the simplest safeguard against this.

Payment Timing: When Does It Post?

Always check your issuer's cutoff time. Most online payments need to be submitted by 8:00 PM ET to count as same-day, but this varies by issuer and can change.

Setting Up AutoPay

Both Synchrony and Chase offer AutoPay enrollment through their websites and apps. When setting it up, you'll link a checking or savings account and choose:

• Payment amount (minimum, statement balance, or fixed dollar amount)
• Payment date (usually tied to your due date)

Enrolling in AutoPay for the statement balance each month is widely considered one of the most effective habits for avoiding interest charges and protecting your credit score. 📅

The Part That Depends on Your Specific Situation

Payment mechanics are the same for everyone — but how a missed payment affects you, whether carrying a balance makes strategic sense for your cash flow, or how your utilization across multiple accounts interacts with your score: those answers live in your individual credit profile. Your payment history, current balances, credit limits, and score all shape what any given payment decision means for your financial picture specifically.