Bank of America's credit card payment phone number is 1-800-435-7925

Call that number to make a one-time payment, set up automatic payments, or ask about your account. The line is open 24 hours a day, 7 days a week. You will need your card number, routing number (if paying from a bank account), or debit card information ready before you call.

Bank of America also operates a separate phone line for customers who prefer to speak Spanish: 1-888-499-3187. The hours and payment options are the same.

Key Takeaways

  • The main payment line is 1-800-435-7925, available around the clock for one-time and recurring payments.
  • You can pay from a checking or savings account, or use a debit card, but you will need account details ready.
  • Automatic payments can be set up by phone and will deduct money on a date you choose each month.
  • If you cannot reach the main line, you can also manage payments through the Bank of America website or mobile app without calling.

What information you need before calling

Have your Bank of America credit card in front of you. The automated system will ask for your card number or the phone number associated with your account. If you are paying from a bank account instead of a debit card, you will also need your routing number and account number — these appear on the bottom left of a check.

If you are calling to set up automatic payments, know the date each month when you want the payment to come out. Most people choose the same date their paycheck arrives or the date their bill is due.

How to make a one-time payment by phone

After you call 1-800-435-7925 and enter your card number, the system will ask how much you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Then you will choose your payment method: a checking or savings account, or a debit card.

The system will confirm the amount and the date the payment will post. One-time payments typically post within one business day if you call before 5 p.m. Eastern time on a weekday. Payments made after 5 p.m. or on weekends usually post the next business day.

Setting up automatic monthly payments

Automatic payments take the guesswork out of remembering when to pay. When you call, tell the automated system you want to set up a recurring payment. You will choose the amount (full balance, minimum, or a fixed dollar amount), the date each month, and your payment method.

Once automatic payments are active, Bank of America will deduct that amount on your chosen date every month until you cancel. You can change or stop automatic payments anytime by calling the same number or logging into your online account.

Payment methods accepted over the phone

Bank of America accepts payments from a U.S. checking or savings account, or from a debit card. You cannot pay with a credit card over the phone — the system will not accept another credit card as payment, even if it is from a different bank.

If you do not have a bank account or debit card, you can pay through the Bank of America website using a digital wallet like Apple Pay or Google Pay, or you can mail a check to the address on your statement.

When payments post and how long they take

Payments made by phone before 5 p.m. Eastern time on a business day usually post the same day or the next business day. Payments made after 5 p.m. or on weekends post on the next business day. Bank of America counts Saturday and Sunday as non-business days, so a payment made on Friday evening will not post until Monday.

The date a payment posts is different from the date it is due. Your due date is listed on your statement. Paying by phone does not change your due date, so if you are behind on your bill, call as soon as possible to avoid late fees.

Alternatives to calling for payment

If you prefer not to call, you can pay online through your Bank of America account at bankofamerica.com. Log in, go to your credit card, and select "Make a Payment." The process is the same as paying by phone — you choose the amount and payment method, and the payment posts within one business day.

The Bank of America mobile app also lets you make payments. Open the app, tap your credit card account, and select "Pay." You can make a one-time payment or manage automatic payments from the app as well. Both the website and app are available 24/7.

Frequently Asked Questions

What if I call after 5 p.m. or on a weekend?

The automated system will still accept your payment, but it will not post until the next business day. If your payment is due tomorrow and you call tonight, the payment will be late. Call during business hours or use the website or app to avoid missing your due date.

Can I pay someone else's Bank of America credit card by phone?

No. The system requires you to enter the card number or the phone number on the account, and you must be the account holder or an authorized user. If you want to help someone else pay their bill, they will need to set up automatic payments or authorize you as a user on their account first.

Is there a fee for paying by phone?

Bank of America does not charge a fee to pay your credit card bill by phone, online, or through the app. The payment is free regardless of the method you use.

What if my payment is rejected?

The system will tell you immediately if your payment cannot go through — usually because the account number or routing number is wrong, or because there are not enough funds. Correct the information and try again, or use a different payment method.