You’re at the final checkout stage on Amazon, your cart is full, and you realize you’d like to split the cost between two different payment methods. It’s a common situation, whether you’re trying to use up a gift card balance or divide a large purchase between a credit and a debit card. So, what’s the official answer?
While it would be incredibly convenient, Amazon’s checkout system does not allow you to split the payment for a single order between two credit or debit cards. The platform is designed for one primary payment method per transaction. However, there is one very popular and flexible way to use two forms of payment.
The Easiest Way to Combine Payments
The key is to pair a gift card with your card. Amazon allows you to use your gift card balance entirely or partially, and then pay the remaining amount with a single credit or debit card. This is the only built-in method for splitting a payment. You can easily buy a digital Amazon gift card with your first card and apply it to your account instantly. Then, at checkout, your gift card balance will be used first, and you can charge the remainder to your second card.
How to Use a Gift Card and a Credit Card
The process is straightforward. First, ensure you have a gift card balance. You can purchase a digital gift card for yourself in any amount and it will be added to your account immediately. When you proceed to checkout, your gift card balance will automatically be applied to the order. Right below the payment method section, you’ll see an option to change how your gift card balance is used. You can then select a different card to cover whatever amount is left over after the gift card funds are applied.
A Clever Workaround for Larger Purchases
For bigger-ticket items, another strategy is to use a card that offers virtual card numbers. Some banks and financial services allow you to create multiple, temporary card numbers linked to your main account. You could potentially use two different virtual numbers from the same underlying account, though this functions more like using a single card source. The most reliable method remains the gift card combination.
While you can’t directly pay with two credit cards, using an Amazon gift card as one of your payment methods provides a simple and effective solution. By planning ahead just a little, you can easily split your costs and manage your budget for any purchase.
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