How to Pay Your Amazon Prime Credit Card Bill

How Amazon Prime Credit Card Payments Work

The Amazon Prime Rewards Visa Card is issued by Chase Bank, so you pay it through Chase, not Amazon. You can make a payment online through your Chase account, by phone, by mail, or at an ATM. The payment goes into your Chase account immediately, but it may take one to two business days to show as posted on your card balance.

Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. If you pay only the minimum, the rest of your balance carries forward with interest charged daily. If you pay the full statement balance by the due date, no interest accrues.

Key Takeaways

• Payments go to Chase Bank (the card issuer), not to Amazon, through your online Chase account, by phone at 1-800-935-9935, by mail, or at a Chase ATM.
• Your due date is printed on your statement and is typically 21 to 25 days after your statement closes; paying after that date triggers a late fee and interest on the remaining balance.
• Setting up autopay through your Chase account ensures you never miss a due date, and you can choose to pay the full balance or a fixed amount each month.
• If you miss a payment, contact Chase immediately—late fees start at $25 to $35, and missed payments are reported to credit bureaus after 30 days.

Making a Payment Online Through Chase

Log into your Chase account at chase.com or through the Chase Mobile app. Select your Amazon Prime Rewards card, then choose "Make a Payment" or "Pay Now." You can pay from a bank account (ACH transfer) or a debit card. Enter the amount you want to pay—the full statement balance, the minimum payment, or any amount in between—and confirm the payment date.

Payments made before 8 p.m. Eastern Time on a business day post the same day. Payments made after 8 p.m. or on a weekend or holiday post the next business day. You will see the payment reflected in your available credit within one to two business days, though Chase may show it as "pending" for a few hours first.

Autopay: Preventing Late Payments

Setting up autopay through Chase removes the risk of forgetting a due date. Log into your Chase account, go to "Autopay," and select your Amazon Prime card. Choose whether to pay the full statement balance, the minimum payment, or a fixed dollar amount each month. Select your due date or a date shortly before it.

Once autopay is active, Chase withdraws the payment from your linked bank account on the date you chose. You can change or cancel autopay anytime through your account settings. If your bank account changes or is closed, update your autopay information immediately so the payment does not fail.

Paying by Phone or Mail

To pay by phone, call Chase at 1-800-935-9935. Have your card number and bank account information ready. A representative will process your payment over the phone and confirm the amount and posting date. Phone payments typically post within one business day.

To pay by mail, send a check or money order to the address printed on your statement under "Payment Address." Write your card number on the check. Mail payments take 7 to 10 business days to arrive and post, so send them at least two weeks before your due date to avoid a late payment. Never send cash by mail.

What Happens If You Miss a Payment

If your payment does not post by the due date, Chase charges a late fee—typically $25 to $35 for the first late payment, and up to $39 for subsequent ones. Interest also begins accruing on your unpaid balance at your card's purchase APR, which varies based on your creditworthiness but is usually between 18% and 27%.

After 30 days past due, Chase reports the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion). This mark stays on your credit report for seven years and can lower your credit score by 100 points or more. If you miss a payment, contact Chase as soon as possible—paying immediately stops further interest and may prevent the late payment from being reported if you act within 30 days.

Understanding Your Statement and Balance

Your monthly statement shows your statement balance (all charges from the previous billing cycle), your minimum payment due, and your due date. The statement balance is what you owe if you want to avoid interest. Any balance you do not pay carries forward to the next month and accrues interest daily at your APR divided by 365.

Your available credit is the difference between your credit limit and your current balance. Making a payment increases your available credit immediately, even if the payment is still pending. If you carry a balance, your next statement will show interest charges calculated on the average daily balance from the previous cycle.

Disputing a Charge or Payment Issue

If you see a charge on your statement that you did not make, or if a payment posted incorrectly, contact Chase within 60 days. Call 1-800-935-9935 or log into your account and select "Dispute a Transaction." Chase will investigate and either reverse the charge or explain why it is correct. During the dispute, the charge is typically removed from your balance temporarily.

If a payment failed to post—for example, because your bank account was closed or had insufficient funds—Chase will notify you. Contact Chase immediately to resubmit the payment and ask about waiving the late fee if the failure was not your fault.

Frequently Asked Questions

Can I pay my Amazon Prime card through Amazon.com?

No. Amazon does not process payments for the Prime Rewards card. You must pay through Chase directly—online at chase.com, by phone, by mail, or at a Chase ATM. Paying through Amazon will not work and may cause you to miss your due date.

What is the difference between my statement balance and my current balance?

Your statement balance is what you owed at the end of your last billing cycle. Your current balance includes new charges made after your statement closed. You only avoid interest if you pay your full statement balance by the due date; new charges after the statement closes will accrue interest if not paid in full the following month.

If I pay online, when does the payment actually post?

Online payments made before 8 p.m. Eastern Time on a business day post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. You will see the payment reflected in your available credit within one to two business days, though it may show as pending for a few hours.

What happens if I only pay the minimum?

Interest accrues on the remaining balance at your card's APR. The interest is added to your next statement, so your balance grows even if you make no new charges. Paying only the minimum extends the time it takes to pay off your balance and increases the total interest you pay.

Can I change my due date?

Yes. Log into your Chase account, go to "Account Settings," and select "Change Due Date." You can move your due date to any day of the month. This is useful if your due date falls before payday or conflicts with other bills.