What the Amazon Store Card is and how to pay it

The Amazon Store Card is a credit card issued by Synchrony Bank that you can use to make purchases at Amazon.com and certain other retailers. When you receive a bill, you owe the payment to Synchrony, not to Amazon — this matters because it changes where you send your money and what customer service number to call if something goes wrong.

You can pay your Amazon Store Card bill online through your Synchrony account, by phone, by mail, or through automatic payments set up in advance. The method you choose affects when the payment posts, whether you can set it and forget it, and what happens if you miss a due date.

Key Takeaways

  • Payments go to Synchrony Bank, not Amazon, and you manage your account at synchronybank.com or through the Synchrony mobile app.
  • Online and phone payments usually post within one business day, while mailed checks can take five to seven business days to reach Synchrony's processing center.
  • Setting up automatic payments prevents late fees and interest charges, but you remain responsible if the payment fails due to insufficient funds in your bank account.
  • Your due date appears on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.

Paying online through your Synchrony account

Log in to your Synchrony account at synchronybank.com or open the Synchrony mobile app. Click "Make a Payment" or the payment option in your account menu. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between — and select your payment method (bank account or debit card).

If you pay from a bank account, Synchrony will ask for your routing number and account number. If you pay with a debit card, you'll enter the card details. Confirm the payment date. Payments made before 8 p.m. Eastern Time on a business day typically post the next business day. Payments made after 8 p.m. or on weekends and holidays post the following business day.

Keep the confirmation number Synchrony provides. If you don't see the payment reflected in your account within two business days, use that number to contact Synchrony customer service at 1-866-207-6235 (the number appears on your statement and at synchronybank.com).

Paying by phone

Call Synchrony at 1-866-207-6235 to make a payment over the phone. Have your account number and the bank account or debit card you want to pay from ready. A representative will walk you through the process and confirm the payment amount and date. Phone payments post on the same timeline as online payments — usually the next business day if you call before 8 p.m. Eastern Time on a business day.

Synchrony does not charge a fee for phone payments. Write down the confirmation number the representative gives you before you hang up.

Paying by mail

Write a check or money order payable to Synchrony Bank. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address changes depending on which Synchrony processing center handles your account, so always use the address on your current bill rather than an old one.

Mailed payments take five to seven business days to arrive and be processed. If your due date is coming up soon, mailing a check is risky because it may not post in time to avoid a late fee. Use online or phone payment if you're close to your due date.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account, go to "Manage Automatic Payments" or "Autopay," and choose how much you want to pay each month — the full statement balance, the minimum payment, or a fixed dollar amount. Select the bank account you want to pay from and the day of the month the payment should go out.

Synchrony will deduct that amount from your bank account on the date you choose each month. If your bank account doesn't have enough money on that date, the payment will fail and you'll owe a late fee. Check your bank balance before the payment date to make sure the funds are there. You can change or cancel automatic payments anytime through your account.

What happens if you miss a payment

If your payment doesn't arrive by the due date on your statement, Synchrony charges a late fee (the amount varies but typically ranges from $25 to $40 for the first late payment). Your interest rate may also increase if you miss a payment. After 30 days past due, the late payment appears on your credit report and can lower your credit score.

If you realize you've missed a payment, contact Synchrony when ready at 1-866-207-6235. Paying as soon as possible limits the damage. Some cardholders have had late fees waived if they call before the account is reported to credit bureaus, but this is not may provide — Synchrony makes that decision case by case.

Disputing a charge or payment issue

If you see a charge on your statement that you don't recognize, or if a payment you made doesn't show up in your account after two business days, contact Synchrony at 1-866-207-6235. Have your statement and any confirmation numbers ready. Synchrony will investigate and either correct the error or explain why the charge is valid.

If you believe a merchant charged you incorrectly (for example, you returned an item but were still charged), you can dispute the charge through your Synchrony account or by calling customer service. Synchrony will contact the merchant and work toward a resolution, which typically takes 30 to 60 days.

Frequently Asked Questions

Can I pay my Amazon Store Card through Amazon.com?

No. Amazon does not process payments for the Store Card. You must pay Synchrony Bank directly through synchronybank.com, the Synchrony app, by phone at 1-866-207-6235, or by mail. Paying through Amazon will not reach your card account.

Is there a fee to pay my bill online or by phone?

No. Synchrony does not charge a fee for online or phone payments. Some third-party payment services may charge a fee if you use them, but paying directly through Synchrony's website or app is free.

What's the difference between the minimum payment and the full balance?

The minimum payment is the smallest amount Synchrony requires you to pay by your due date to keep your account in good standing. The full balance is everything you owe. If you pay only the minimum, you'll owe interest on the remaining balance at your card's interest rate. Paying the full balance each month avoids interest charges.

How do I know my payment posted if I paid by mail?

Log into your Synchrony account online or in the app and check your recent transactions. Mailed payments typically show up five to seven business days after you mail them. If more than seven business days have passed and you don't see the payment, call Synchrony at 1-866-207-6235 with the check number and amount.

Can I change my automatic payment amount or date?

Yes. Log into your Synchrony account, go to "Manage Automatic Payments," and update the amount or date. Changes usually take effect on your next scheduled payment. If you need to stop an automatic payment when ready, call Synchrony at 1-866-207-6235.