You can remove an Amazon credit card in three ways: delete it from your payment methods, close the card account itself, or do both
Removing an Amazon credit card from your Amazon account takes minutes and does not affect the card itself or your credit. You straightforward delete the card from your saved payment methods in your account settings. If you also want to close the actual credit card account — the one issued by Chase or Synchrony, depending on which Amazon card you hold — that is a separate step you take with the card issuer, not Amazon.
Most people remove a card because they want to stop using it for Amazon purchases, not because they want to close the account entirely. Those are two different things, and understanding the difference matters because closing a credit card account can affect your credit score, while removing it from Amazon does not.
Key Takeaways
- Deleting a card from your Amazon account takes about two minutes and happens entirely within your account settings under Payment Methods.
- Removing a card from Amazon does not close the card account or affect your credit score — it only stops Amazon from charging that card.
- If you want to close the actual credit card account, you must contact Chase (for the Amazon Prime Rewards Visa) or Synchrony (for the Amazon Store Card) directly.
- You can delete a card even if it is set as your default payment method, but you will need to choose a different default first.
- Closing a credit card account can lower your credit score because it reduces your available credit and changes your credit history, so consider the timing.
How to delete a card from your Amazon account in four steps
Open your Amazon account and go to Account & Lists. Select Your Account, then select Payment Options. You will see a list of all saved payment methods — credit cards, debit cards, and other options you have added.
Find the card you want to remove. Next to it, select the three dots or the menu icon (the exact appearance varies slightly depending on whether you are on a computer or phone). Select Delete. Amazon will ask you to confirm; select Delete again. The card is now removed from your account and Amazon cannot charge it.
If the card you are deleting is currently set as your default payment method, Amazon will prompt you to choose a different default before the deletion goes through. Select a different card or payment method from your list, then complete the deletion.
The difference between removing a card from Amazon and closing the card account
When you delete a card from Amazon, you are only removing it from that one retailer's system. The credit card account itself remains open with the issuer — Chase or Synchrony — and you can still use the card anywhere else. Your credit limit stays the same, your account history stays the same, and your credit score is not affected.
Closing the actual credit card account is something you do with the card issuer, not Amazon. If you close a Chase Amazon Prime Rewards Visa or a Synchrony Amazon Store Card, that account closes entirely. You lose the credit line, and the closed account remains on your credit report for up to seven years. Closing a card can lower your credit score because it reduces your total available credit and may change the age of your credit history.
Many people remove a card from Amazon because they got a new card, want to use a different payment method, or are trying to reduce the number of cards they have saved. Closing the card account is a separate decision that makes sense only if you no longer want the card to exist at all.
How to close an Amazon credit card account if you decide to
If you want to close the card account itself, you must contact the card issuer. For the Amazon Prime Rewards Visa Signature card, call Chase at 1-800-227-4825. For the Amazon Store Card, call Synchrony at 1-866-634-8379. Have your card number ready when you call.
The issuer will confirm that you want to close the account, check for any remaining balance, and process the closure. If you have a balance on the card, you will need to pay it off before or after closing — the issuer will explain your options. Once closed, you cannot use the card, but the account will appear on your credit report as closed.
Before you close the account, check whether you have any pending Amazon purchases or subscriptions (like Prime membership) that charge to that card. If you do, update those to a different payment method first, or they will fail.
What happens if you delete a card but keep the account open
If you delete the card from Amazon but keep the account open with the issuer, the card still works everywhere else — at stores, online, for subscriptions. You straightforward cannot use it on Amazon anymore. This is the most common choice because it keeps your credit line open and does not affect your credit score.
You can add the card back to your Amazon account at any time by going to Payment Methods and selecting Add a Payment Method. You will need the card number, expiration date, and CVV. If you decide later that you want to use the card on Amazon again, there is no penalty or waiting period.
What to do if you cannot find the delete option
On rare occasions, Amazon will not let you delete a card if it is linked to an active subscription or a pending order. Check your active subscriptions (Prime membership, Subscribe & Save orders, or other recurring charges) and make sure none of them are set to charge that card. If they are, change the payment method for those subscriptions first, then try deleting the card again.
If you are still unable to delete the card, contact Amazon Customer Service through your account. Select Contact Us, then choose the option for Account & Login Issues. Explain that you want to remove a payment method, and a representative can help you troubleshoot or remove it manually.
Frequently Asked Questions
Does removing a card from Amazon close the credit card account?
No. Removing a card from Amazon only stops Amazon from using that card. The credit card account stays open with the issuer (Chase or Synchrony) and you can still use the card elsewhere. To close the account, you must call the issuer directly.
Will deleting a card from Amazon hurt my credit score?
No. Deleting a card from Amazon has no effect on your credit score because it does not change your credit account or payment history. Only closing the actual credit card account with the issuer can affect your score.
Can I delete a card if it is my default payment method?
Yes, but Amazon requires you to choose a different default payment method first. Select a different card or payment option, save it as your default, and then you can delete the original card.
What if I have a balance on the Amazon credit card when I close it?
You must pay off the balance before or after closing the account. The issuer will not close the account until the balance is zero. You can make payments by phone, mail, or through the issuer's website — the account remains open and usable until the balance is paid.
Can I add the card back to Amazon after I delete it?
Yes. You can add any card back to your Amazon account at any time by going to Payment Methods and selecting Add a Payment Method. There is no waiting period or penalty for re-adding a card you previously deleted.