Amazon Payment Methods, Explained
Amazon takes major credit and debit cards, its own cards, US checking accounts, gift cards, EBT, FSA, HSA and card reward points; here are the rules for each.
By Olivia HarperContributing writer. Policy checked .
On this page
Store policies change. This is a summary in our own words of Amazon's payment help pages, read on October 27, 2026. The official pages are the ones that apply; check them before you pay.
What Amazon accepts
Amazon's Accepted Payment Methods page lists these for Amazon.com orders:
| Payment method | Notes |
|---|---|
| Visa, including Prime Visa and Amazon Visa | Credit or debit |
| Mastercard, Discover, American Express | Credit or debit |
| Amazon Store Card and Amazon Secured Card | The CVV is required on every Store Card purchase |
| Prepaid Visa, Mastercard or American Express cards | Prepaid credit and gift cards from those networks |
| Checking account | Personal, ACH-enabled, at a US branch |
| Amazon Gift Cards | Can be combined with one card |
| EBT (SNAP and cash) | Eligible items only |
| FSA and HSA | Eligible items, US billing addresses only |
| OTC Benefits card | OTC Network cards only, eligible items |
PayPal is not on that list. You can add or change cards in your Amazon Wallet without placing an order.
Splitting a payment
Amazon lets you split an order between an Amazon Gift Card balance and one credit or debit card. It does not let you split one order across several credit or debit cards.
Paying from a checking account
If you have no credit card, Amazon accepts an ACH-enabled US checking account. At checkout, choose to add a checking account and enter the routing number, the account number, the account holder's name and address, and that person's US driver's license or state ID number. Savings accounts are not accepted, and business bank accounts work only for Amazon Business accounts. If you are not sure your account is ACH-enabled, your bank can tell you.
EBT, FSA, HSA and OTC cards
Amazon accepts SNAP and TANF (cash) EBT cards, and you can register one EBT card at a time. SNAP items must be sold and shipped by Amazon.com or Amazon Fresh and follow the same rules as in stores; a cash EBT card works on most categories, third-party sellers included. People who receive assistance may also qualify for discounted Prime; see Amazon Prime Access.
FSA and HSA cards pay for eligible items only. With an OTC Benefits card, you also need a default payment method on the order: Amazon charges it for anything the OTC card does not cover.
Paying with card reward points
Shop with Points lets you spend rewards from participating credit card and loyalty programs at checkout, Prime membership included. Amazon says there is no fee. A few rules:
- Points come off your balance when you place the order, not when it ships.
- If you cancel before shipping, Amazon says the points come back automatically within 48 hours.
- Changing an order before it ships, updating the card's expiration date or changing the shipping address removes points as a payment method.
- On a partial refund, Amazon refunds the other payment methods before the points.
- Prime Visa and Amazon Visa rewards arrive 24 to 72 hours after an eligible purchase and can then be used right away.
Paying over time
Amazon's payment help also lists Amazon Monthly Payments, credit card installments, Synchrony Pay Later and Affirm. Our guide to Amazon financing covers how each works.
Sources
Accepted Payment Methods, Assign a Checking Account as a Payment Option, Pay with EBT, Use Shop with Points and Payment Methods, Amazon. Policy checked October 27, 2026.