The three ways to pay your Amazon credit card
You can pay your Amazon credit card bill through your Amazon account, by phone, or by mailing a check. The fastest and most common route is logging into Amazon.com, going to your account, and paying directly there — the payment posts the same day if you pay before the cutoff time, which is usually 8 p.m. Eastern. You can also call the customer service number on the back of your card to pay by phone, or mail a check to the address printed on your statement.
Which card you have matters slightly. If you have the Amazon Prime Rewards Visa Signature card or the Amazon Prime Store Card, you manage payments through Amazon.com. If you have the Amazon Business Prime American Express card, you pay through American Express instead. The process is similar either way, but the website or phone number you use is different.
Key Takeaways
- Paying through Amazon.com is fastest — log in, select your card, enter the amount, and the payment posts the same day if submitted before the evening cutoff.
- You can set up automatic payments so your full balance, minimum payment, or a fixed amount withdraws on the same date each month.
- Payments by phone or mail take longer to post, usually three to five business days, so plan ahead if your due date is soon.
- Your due date is printed on your statement and usually falls 21 to 25 days after your billing cycle closes, not on the same date each month.
- Paying late triggers a late fee and can lower your credit score, even if you pay just one day after the due date.
Paying online through your Amazon account
Log into Amazon.com with your usual username and password. Hover over "Account" in the top right corner and select "Your Account." Look for a section labeled "Payments" or "Manage Your Credit Cards" — the exact wording changes, but it will be in the account menu. Click on the Amazon credit card you want to pay.
You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose the date the payment should be withdrawn from your bank account (usually today or within a few days). Review the details and confirm. The payment posts to your account the same business day if submitted before the cutoff time, which is typically 8 p.m. Eastern Time.
If you have trouble finding the payment option, try searching "pay my credit card" in the Amazon search bar at the top of the page. Amazon's website layout changes periodically, but the search function usually finds the right page quickly.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. From the same payment page where you make a one-time payment, look for an option to "Set Up Automatic Payments" or "Autopay." You will choose a date each month when the payment should be withdrawn — this can be any date from the 1st to the 28th, so pick a date that works with your paycheck or budget.
You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount each month. Paying the full balance each month means you will not carry a balance forward and will not pay interest. Paying only the minimum keeps your account in good standing but costs more in interest over time if you carry a balance.
You can change or cancel automatic payments at any time from the same page. If you cancel, you will need to make manual payments again, so mark your due date on a calendar or set a phone reminder.
Paying by phone
Call the customer service number on the back of your Amazon credit card. A representative will verify your identity by asking for your card number, Social Security number, or other personal information. Tell them you want to make a payment and provide the amount and the date you want it withdrawn from your bank account.
Payments made by phone usually post within three to five business days, so do not wait until the day before your due date. If your due date is within a few days, pay online or by mail instead — online is faster and mail is slower but gives you a paper record.
Paying by mail
Write a check for the amount you owe and mail it to the address printed on your statement. Do not mail a check to Amazon's main headquarters or fulfillment centers — use only the address listed under "Payment Address" on your bill. Include your account number or card number on the check so the payment is credited to the right account.
Mail payments take seven to ten business days to arrive and post, so send your check at least two weeks before your due date to be safe. Keep a copy of the check or write down the check number and amount for your records. If your payment does not post within two weeks, call customer service to confirm they received it.
Understanding your due date and payment important date
Your due date is printed on your statement and is usually 21 to 25 days after your billing cycle closes. The due date does not fall on the same calendar date each month — it shifts depending on when your billing cycle ends. Check your statement each month to confirm the exact due date, or set up automatic payments so you do not have to track it manually.
A payment is considered late if it posts after 11:59 p.m. on your due date. Even paying one day late triggers a late fee (usually $25 to $35 for the first late payment) and can lower your credit score. If you are close to your due date and paying online, submit your payment before 8 p.m. Eastern to may support it posts the same day.
If you miss your due date, 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. Paying the full amount owed when ready will stop additional fees from accruing.
What happens if you cannot pay in full
If you cannot pay your full balance, pay at least the minimum payment by the due date. The minimum is usually 1 to 3 percent of your balance and is printed on your statement. Paying the minimum keeps your account in good standing and prevents late fees and credit score damage.
However, any balance you do not pay will carry over to the next month and will accrue interest. Amazon credit cards typically charge interest rates between 16 and 24 percent annually, depending on your creditworthiness. This means if you carry a $1,000 balance for a year, you could pay $160 to $240 in interest alone.
If you are struggling to pay, contact customer service to discuss your options. Some issuers offer hardship programs or temporary payment plans, though these are not may provide. Paying what you can, even if it is less than the full balance, is better than not paying at all.
Frequently Asked Questions
Can I pay my Amazon credit card with another credit card?
No. Amazon and most credit card issuers do not allow you to pay your bill with another credit card. You can pay with a debit card, bank account, or check. Paying with another credit card would create a cash advance, which carries higher interest rates and fees.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward your next purchase or request a refund. If you request a refund, it will be returned to the bank account you paid from, usually within five to ten business days.
Does paying early help my credit score?
Paying early does not hurt your score, but it does not help it more than paying on time does. What matters for your credit score is paying by the due date and keeping your balance low relative to your credit limit. Paying early is a good habit if it helps you remember to pay, but the score benefit is the same as paying on time.
What if I want to dispute a charge on my bill?
Contact customer service and explain the charge you believe is wrong. Do not refuse to pay your entire bill — instead, pay the amount you believe you owe and tell the issuer you are disputing the rest. They will investigate and either remove the charge or explain why it is correct.
Can I change my due date?
Some issuers allow you to request a different due date, usually by calling customer service or through your online account. Ask whether this option is available for your card. Changing your due date can help if your current date does not align with when you receive income.