Paying your Amazon credit card bill through Synchrony Bank
Synchrony Bank manages the Amazon.com Store Card and the Amazon Prime Rewards Visa Signature Card. You can pay your bill online through your Synchrony account, by phone, by mail, or through Amazon's own website — each route works differently and arrives on different schedules.
The fastest way is logging into your Synchrony account at mysynchrony.com, where you can make a one-time payment or set up automatic payments from your bank account. Payments made online typically post within one business day. If you pay through Amazon.com itself, the payment goes to Synchrony but may take longer to show in your account.
Phone payments and mailed checks both work, but they take longer. Synchrony's phone line is 1-866-795-7374. If you mail a check, Synchrony's payment processing address appears on your statement — mail it at least 10 days before your due date to avoid a late fee.
Key Takeaways
- Online payments through mysynchrony.com post within one business day and are the fastest way to pay.
- You can set up automatic payments from your bank account so your bill pays itself each month on a date you choose.
- Paying through Amazon.com works but routes through Synchrony and may take longer than paying directly at mysynchrony.com.
- Phone payments (1-866-795-7374) and mailed checks both work but take several business days to post.
- Late fees apply if your payment does not arrive by the due date shown on your statement, regardless of which payment method you use.
Setting up automatic payments at mysynchrony.com
Automatic payments are the simplest way to avoid missing a due date. Log into mysynchrony.com with your username and password, then go to the Payments section. Choose "Set Up Auto Pay" and link a bank account — you will need your routing number and account number.
You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment. You also pick the day of the month when the payment should come out. Synchrony will deduct the payment automatically on that day each month, and it will post to your account within one business day.
If your due date falls on a weekend or holiday, Synchrony processes the payment on the next business day. You can change or cancel automatic payments anytime through your account settings.
One-time payments through your Synchrony account
If you do not want automatic payments, you can log into mysynchrony.com and make a single payment whenever you choose. Click "Make a Payment," enter the amount you want to pay, and select your bank account. The payment posts within one business day.
You can also make a one-time payment by phone at 1-866-795-7374. Have your account number and bank information ready. Phone payments are processed the same day you call, but they may take one to two business days to show in your account.
Paying through Amazon.com instead of Synchrony
Amazon.com lets you pay your Store Card or Prime Rewards card directly from your Amazon account. Go to "Your Account," select "Login & Security," then find the payment option for your card. You can enter a bank account or use a saved payment method.
Payments made through Amazon are routed to Synchrony, but they do not always post as quickly as payments made directly at mysynchrony.com. Synchrony may take two to three business days to receive and post a payment made through Amazon, whereas a payment at mysynchrony.com posts within one business day. If your due date is soon, paying directly through Synchrony is safer.
Mailed check payments and timing
You can mail a check to Synchrony. Your statement shows the mailing address for payments. Write your account number on the check and mail it at least 10 days before your due date to be safe — the postal service can take several days, and Synchrony needs time to process the check once it arrives.
Checks are considered on-time if they are postmarked by your due date, but Synchrony does not post the payment to your account until they receive and process it, which can be five to seven business days after mailing. If you are cutting it close, do not use mail.
What happens if you miss a payment or pay late
A payment is late if it does not arrive by 5 p.m. Eastern time on your due date. Synchrony charges a late fee — the amount depends on your account terms but is typically $25 to $40 for the first late payment. A second late payment in the same billing cycle may cost more.
A late payment also affects your credit report. Synchrony reports payments 30 days late or more to the three major credit bureaus (Equifax, Experian, and TransUnion), and that mark stays on your report for seven years. Even one late payment can lower your credit score.
If you miss a payment, pay as soon as you notice. The sooner you pay, the less damage to your credit. If you are having trouble making payments, contact Synchrony at 1-866-795-7374 to discuss options — some cardholders can negotiate a temporary lower payment or hardship plan.
Minimum payments and statement balance
Your statement shows both a minimum payment and your full balance. The minimum payment is the smallest amount Synchrony will accept to keep your account in good standing. Paying only the minimum means the rest of your balance carries over to next month and accrues interest.
The interest rate on Amazon credit cards varies by card type and your creditworthiness, but typically ranges from 17% to 27% annually. If you carry a balance, paying more than the minimum saves you money on interest. Paying your full statement balance each month means you pay no interest at all.
Frequently Asked Questions
How do I know if my payment went through?
Log into mysynchrony.com and check your account balance and recent transactions. Online and phone payments post within one to two business days. Mailed checks take five to seven business days. If you do not see the payment after that time, call Synchrony at 1-866-795-7374 with your confirmation number.
Can I pay my Amazon card bill from a different bank account than the one I used to open the card?
Yes. You can link any bank account you own to your Synchrony account and pay from it. You will need the routing number and account number. Synchrony verifies the account by making two small test deposits, which you then confirm in your account settings.
What if I pay more than my full statement balance?
The extra amount becomes a credit on your account. Synchrony will apply it to your next month's balance or you can request a refund. You can also use the credit to pay future purchases. Check your statement to see your current credit balance.
Is there a fee for paying online or by phone?
No. Synchrony does not charge a fee for online payments, automatic payments, or phone payments. Mailed checks are also free, though the postal service may charge you for postage.
What time of day do automatic payments come out?
Synchrony does not specify an exact time. Automatic payments are deducted sometime during the day you select, but the exact hour varies. The payment posts to your account within one business day. If you need the payment to come out at a specific time, make a one-time payment instead.