What the Amazon Prime credit card payment process looks like
The Amazon Prime credit card is issued by Chase, and you pay it the same way you pay any Chase credit card. You can make a payment online through your Chase account, by phone, by mail, or at an ATM. The card itself does not have a separate payment system — your bill goes to Chase, not to Amazon, even though Amazon branded the card and offers rewards tied to Amazon purchases.
Most cardholders pay online through the Chase website or mobile app because it is fastest and you can see your balance and due date when ready. You can set up automatic payments so you never miss a due date, or you can make one-time payments whenever you want. The payment posts to your account within one business day in most cases.
Your statement arrives every month on the same date, and you have a grace period (usually 21 days from the statement closing date) before interest charges kick in. Paying the full statement balance by the due date means you pay no interest at all.
Key Takeaways
- You pay your Amazon Prime credit card through Chase online, by phone, by mail, or at an ATM — not through Amazon's website.
- Online payment through the Chase website or app is the fastest method and shows your balance and due date in real time.
- Setting up automatic payments ensures you never miss a due date and helps you avoid late fees and interest charges.
- Paying your full statement balance by the due date means you owe no interest, even though the card offers a grace period.
Paying online through Chase's website or app
Log into your Chase account at chase.com or open the Chase mobile app on your phone. Find your Amazon Prime credit card in your account, and look for a "Make a Payment" button or link. You can choose to pay your full statement balance, the minimum payment, or a custom amount. Enter the amount and select your payment date — you can pay when ready or schedule it for a future date up to 15 days out.
Chase will show you a confirmation screen with the amount, the card ending in the last four digits, and the date the payment will post. Save or screenshot this confirmation. The payment usually posts within one business day, though weekend or holiday payments may take longer. Once it posts, your available credit increases by the amount you paid.
If you set up automatic payments, Chase will deduct the same amount on the same day each month. You can choose to autopay your full statement balance, your minimum payment, or a fixed dollar amount. Automatic payments remove the risk of forgetting a due date, but you should still check your statement each month to make sure the amount is what you expect.
Paying by phone or mail
You can call Chase at the number on the back of your card to make a payment by phone. A representative will ask for your card number, the amount you want to pay, and your preferred payment date. Payments made by phone usually post within one business day. Write down the confirmation number the representative gives you.
To pay by mail, send a check or money order to the address printed on your statement. Write your card number on the check. Mail payments take 7 to 10 business days to arrive and post, so send your payment at least 10 days before your due date to avoid a late fee. Keep a copy of the check or a photo of it for your records.
Setting up automatic payments to avoid missed due dates
Automatic payments are the easiest way to stay on top of your bill. In your Chase account, go to the "Autopay" or "Automatic Payments" section and select your Amazon Prime card. Choose whether you want to autopay your full statement balance, your minimum payment, or a fixed amount each month. Select the day of the month you want the payment to come out — many people choose the same day their paycheck arrives.
Once autopay is set up, Chase will deduct the amount automatically every month on that date. You will still receive a statement showing what you owe, and you can still make extra payments if you want to pay down your balance faster. If your balance changes significantly one month and you do not want autopay to go through, you can pause or cancel it temporarily in your account settings.
Autopay protects you from late fees (which are typically $25 to $40 for a first late payment) and from interest charges that start accruing after your grace period ends. It also helps your credit score, because payment history is the largest factor in how credit bureaus calculate your score.
Understanding your statement and due date
Your statement shows everything you charged to the card during the billing cycle, any payments you made, fees, and interest (if you carried a balance). The statement closing date is when the billing cycle ends — this is the date your statement is generated. Your due date is usually 21 days after the statement closing date, though it can vary slightly depending on weekends and holidays.
The minimum payment is the smallest amount Chase requires you to pay to keep your account in good standing. It is usually 1 to 3 percent of your total balance. Paying only the minimum means you will pay interest on the remaining balance, and it will take years to pay off the card if you keep charging to it.
The grace period is the time between your statement closing date and your due date. If you pay your full statement balance by the due date, you owe no interest on those purchases. If you carry a balance into the next month, interest starts accruing when ready on new purchases — there is no grace period for new charges once you have an unpaid balance.
What happens if you miss a payment
If your payment does not arrive by the due date, Chase will charge a late fee. The fee is usually $25 for the first late payment and up to $40 for subsequent late payments within six months. A late payment also appears on your credit report and can lower your credit score by 100 points or more, depending on your current score.
If you miss a payment by 30 days, Chase may increase your interest rate to the penalty rate, which is typically the highest rate on your card. If you miss a payment by 60 days or more, your account may be sent to a collections agency, and the debt can appear on your credit report for up to seven years.
If you realize you will miss a due date, call Chase when ready at the number on your card. Explain your situation — sometimes Chase will waive a late fee if it is your first one and you have a good payment history. Paying as soon as possible after the due date is better than not paying at all, because it stops the interest from accruing further.
Frequently Asked Questions
Can I pay my Amazon Prime credit card through Amazon's website?
No. The Amazon Prime credit card is issued by Chase, so you pay it through Chase, not through Amazon. Log into your Chase account or call the number on the back of your card. Amazon does not handle payments for this card, even though it is branded with the Amazon Prime name.
What is the difference between the statement balance and the minimum payment?
The statement balance is the total amount you charged during the billing cycle. The minimum payment is the smallest amount Chase requires you to pay — usually 1 to 3 percent of the balance. Paying only the minimum means you will owe interest on the rest, and the debt will grow over time.
How long does it take for a payment to show up in my account?
Online and phone payments usually post within one business day. Mail payments take 7 to 10 business days to arrive and post. If you pay on a Friday or before a holiday, the posting may be delayed until the next business day.
Can I change my automatic payment amount or date?
Yes. Log into your Chase account, go to the autopay settings, and edit the amount or date. You can also pause or cancel autopay temporarily if you need to. Changes usually take effect within one or two business days.
What should I do if I cannot pay my full balance?
Pay at least the minimum payment by the due date to avoid a late fee and credit damage. Then work on paying down the balance as quickly as you can, because interest will accrue on the unpaid amount. If you are struggling with debt, you can contact Chase to discuss a hardship program or payment plan.