Can You Split an Amazon Order Between Two Cards?

Many online shoppers seek flexibility in payment methods, especially for larger purchases or when funds are spread across different accounts. This often leads to questions about splitting payments on major retail platforms like Amazon.

Splitting Payments on Amazon

Amazon’s payment system allows for a form of split payment, though not directly between two separate credit or debit cards for a single order. The platform primarily facilitates splitting a payment by combining an Amazon gift card balance or promotional credit with a credit or debit card. For instance, if a shopper has a gift card or promotional credit, they can apply these funds first, with their credit or debit card automatically charged for the outstanding balance.

To achieve a similar outcome, a common workaround involves using one credit or debit card to purchase an Amazon e-gift card for a portion of the desired purchase amount. Once the e-gift card is received, its value can be applied to the Amazon account balance. The shopper can then proceed to use this newly added gift card balance in conjunction with a second credit or debit card to complete the purchase. This method effectively allows for a two-card payment by leveraging Amazon’s gift card system.

Steps to Split Your Order

To initiate a split payment on Amazon using a gift card and another payment method, add all desired items to your shopping cart and proceed to the checkout screen. On the payment selection page, locate the section for gift cards and promotional codes. If you have an existing Amazon gift card balance, select “Use your gift card balance,” which will automatically apply the available funds to your order total.

For a physical or digital Amazon gift card code, enter the code into the designated field and click “Apply.” The system will then deduct the gift card amount from the total purchase price. After the gift card balance is applied, the remaining balance will be displayed. You will then select your preferred credit or debit card from your saved payment methods, or add a new one, to cover the rest of the order cost.

Confirm that the final payment details accurately reflect the split, with the gift card balance being utilized first, and the remaining amount charged to your chosen credit or debit card. Review the order summary thoroughly before finalizing the purchase to ensure all payment information is correct.

Important Considerations for Splitting Payments

When splitting payments on Amazon, it is important to understand certain limitations and implications for returns. Amazon’s direct system does not permit splitting a payment across two separate credit or debit cards. The primary method for splitting payments relies on utilizing an Amazon gift card balance or promotional credit in combination with a single credit or debit card for the remaining amount. This means that if you intend to use two different credit cards for one purchase, the workaround of buying an e-gift card with one card is necessary.

Certain items, particularly digital content like Kindle books or streaming subscriptions, may have specific payment method requirements that might not always align with split payment methods, though this is less common for combining gift cards with credit cards. However, the general refund process for orders paid with a combination of gift cards and credit cards is straightforward. If a return is initiated, the portion paid by the gift card is typically refunded back to the Amazon gift card balance within a few hours. The amount charged to the credit or debit card is refunded to that original card, usually appearing on the account statement within three to five business days.

This proportional refund ensures funds are returned to their original sources, maintaining clarity. Review Amazon’s specific return policy for the item, as refund timelines can vary slightly depending on the payment method and bank processing times. Understanding these nuances helps manage expectations for both payments and potential refunds.