Where to pay your Amazon Store Card bill
You can pay your Amazon Store Card bill through the Amazon website, the Amazon mobile app, or by calling Synchrony Bank (the company that issues the card). The fastest route is logging into your Amazon account on a computer or phone — you'll see your card balance and payment options right away. If you prefer to call, Synchrony's customer service number is on the back of your card.
Payments made online typically post to your account the same day if submitted before the payment deadline. Synchrony processes payments seven days a week, including weekends and holidays. You can set up a one-time payment or arrange automatic payments so you never miss a due date.
Key Takeaways
- Log into your Amazon account to see your balance and make a payment in minutes without leaving the site.
- You can pay the full balance, the minimum payment, or any amount in between.
- Setting up automatic payments from a bank account prevents late fees and interest charges.
- If you miss a payment, late fees and higher interest rates apply immediately, and the missed payment stays on your credit report for seven years.
- You can also pay by phone, mail, or in person at an Amazon store if you have one nearby.
Paying through your Amazon account
Start by going to Amazon.com and signing into your account. Click on "Returns, Orders & Accounts" in the top navigation, then select "Your Account." Look for "Amazon Store Card" or "Credit Cards" in the menu. You'll see your current balance, minimum payment due, and the due date.
Click "Make a Payment" and enter the amount you want to pay. You can pay the full balance, the minimum, or anything in between. Choose the bank account you want the payment to come from — if this is your first payment, you'll need to enter your bank's routing number and your account number. Review the details and confirm. The payment will post within one business day.
Using the Amazon mobile app
Open the Amazon app and tap the menu icon (three horizontal lines). Scroll down and tap "Your Account," then "Login & Security." Select "Amazon Store Card" from the payment methods section. You'll see the same payment screen as the website — enter your amount, confirm your bank account, and submit.
Mobile payments work the same way as online payments and post on the same timeline. If you use the app regularly, you can save your bank account information so future payments are faster.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your Amazon account, go to "Your Account" and find the Amazon Store Card section. Look for "Automatic Payments" or "Autopay" and select it. You can choose to pay the full balance, the minimum payment, or a fixed amount each month.
Synchrony will deduct the payment from your bank account on your due date each month. If your balance changes, the payment amount adjusts automatically if you chose "full balance" or "minimum." You can change or cancel automatic payments anytime through the same menu.
Paying by phone or mail
To pay by phone, call the number on the back of your card. A representative will ask for your account number and the amount you want to pay, then confirm your bank account information. Phone payments post the same day if made before the cutoff time, which varies by day of the week.
To pay by mail, send a check or money order to the address printed on your bill statement. Write your account number on the check. Mail payments take 7 to 10 business days to reach Synchrony and post to your account, so send them at least two weeks before your due date to avoid a late payment.
What happens if you miss a payment
If your payment doesn't arrive by the due date, Synchrony charges a late fee — the amount depends on your balance but typically ranges from $25 to $40. Your interest rate also increases immediately. More importantly, the missed payment is reported to the three credit bureaus (Equifax, Experian, and TransUnion) and stays on your credit report for seven years, which can lower your credit score and make it harder to borrow money in the future.
If you miss a payment, contact Synchrony right away. Explain what happened and ask if they can waive the late fee — many companies will do this once if you have a good payment history. Make the payment as soon as possible to stop additional fees from piling up.
Understanding your bill and due date
Your Amazon Store Card statement shows the balance you owe, the minimum payment due, and the due date. The due date is usually the same day each month. If the due date falls on a weekend or holiday, Synchrony moves it to the next business day. You can see all of this information in your Amazon account or on the paper statement mailed to you.
The minimum payment is typically 1 to 3 percent of your balance. Paying only the minimum means you'll carry the rest of the balance forward and pay interest on it next month. If you want to avoid interest charges, pay the full balance by the due date.
Frequently Asked Questions
How long does it take for an online payment to post?
Payments made through Amazon.com or the app post the same day if submitted before the payment deadline. Synchrony processes payments seven days a week. If you pay after the deadline, it may post the next business day.
Can I pay my Amazon Store Card with a different bank account?
Yes. When you make a payment, you can enter a different bank account number each time. You'll need the routing number and account number for whichever bank account you want to use.
What if I pay more than I owe?
Synchrony will credit the extra amount to your account. You can use it toward your next purchase or request a refund by calling the number on your card.
Can I pay my bill at an Amazon physical store?
Some Amazon physical locations (like Amazon Go or Amazon Books stores) may accept payments, but this is not a standard payment method. Call the store directly to ask, or use online, phone, or mail payment instead.
What if I can't pay the full balance?
Pay at least the minimum payment by the due date to avoid a late fee. You can pay the rest later, but you'll owe interest on the remaining balance. If you're struggling to pay, contact Synchrony to discuss your options — some hardship programs may be available.