How to Split Payments on Amazon Using Two Methods

Key takeaways:

  • You can split payments on Amazon by using an Amazon gift card and a credit/debit card
  • Ask a friend to send you an Amazon gift card for their portion of a shared purchase
  • Convert prepaid Visa/Mastercard gift cards into Amazon gift cards to combine balances

Amazon is a go-to destination for online shopping, offering a vast selection of products and great deals. However, when it comes to making a purchase, you might find yourself in a situation where you need to split the payment between two methods. Whether you’re sharing the cost with a friend or want to use up multiple gift cards, Amazon does allow you to split payments, but with a few caveats.

Using an Amazon Gift Card and a Credit/Debit Card

The most straightforward way to split a payment on Amazon is by using an Amazon gift card in combination with a credit or debit card. Here’s how to do it:

  1. Add the items you want to purchase to your Amazon cart
  2. Proceed to checkout
  3. Under the payment method section, enter your Amazon gift card code or apply your gift card balance
  4. For the remaining amount, select the credit or debit card you want to use
  5. Complete the checkout process

This method is perfect if you have an Amazon gift card balance that doesn’t cover the full cost of your purchase. You can apply the gift card and then pay the difference with your credit or debit card.

Sharing the Cost with a Friend

If you’re planning to make a purchase with a friend or roommate and want to split the cost, Amazon gift cards come in handy. Simply ask your friend to purchase an Amazon gift card for their portion of the shared expense and send it to your email address. You can then redeem the gift card and add it to your account balance.

When you’re ready to make the purchase, follow these steps:

  1. Make sure the Amazon gift card from your friend is applied to your account balance
  2. Add the items to your cart and proceed to checkout
  3. Use your own credit or debit card for your portion of the payment
  4. The total cost will be deducted from your gift card balance and credit/debit card

By using this method, you can easily split the cost of a purchase without the need for reimbursements or money transfers.

Converting Prepaid Gift Cards into Amazon Gift Cards

If you have multiple prepaid Visa or Mastercard gift cards with small balances, you might find it challenging to use them for a single purchase on Amazon. However, there’s a clever workaround: convert those prepaid gift cards into Amazon gift cards.

Here’s how to do it:

  1. Go to Amazon’s gift card page and select “eGift Card”
  2. Enter the amount of your prepaid gift card balance
  3. Choose email delivery and enter your own email address
  4. Add the prepaid gift card as a payment method and complete the purchase
  5. You’ll receive an email with the Amazon gift card code
  6. Apply the gift card to your account balance

Repeat this process for each prepaid gift card you want to convert. Once all the gift cards are added to your Amazon account balance, you can use them in combination with a credit or debit card to make a purchase.

Tip: This method also works well for using up old gift cards with small remaining balances that would otherwise go to waste.


Can I split a payment on Amazon between two credit cards?

No, Amazon does not allow splitting a payment directly between two credit or debit cards. However, you can use the methods described above, such as using an Amazon gift card and a credit card, to achieve a similar result.

Is there a limit to how many gift cards I can use for a single purchase?

No, Amazon allows you to apply as many gift cards as necessary to cover the cost of your purchase. If the gift cards don’t cover the full amount, you can pay the remaining balance with a credit or debit card.

How quickly can I use an Amazon gift card after purchasing it?

In most cases, Amazon gift cards are available for use immediately after purchase. However, in rare instances, there may be a short delay of up to 4 hours before the gift card balance is available in your account.

Can I use Amazon gift cards to purchase items from third-party sellers?

Yes, you can use Amazon gift cards to buy items from both Amazon and third-party sellers that participate in the Amazon marketplace. As long as the seller accepts Amazon payments, you can use your gift card balance.