Where to pay your Chase credit card bill

You can pay your Chase credit card through their website, mobile app, by phone, or by mail. The fastest and most common method is online through Chase.com or the Chase Mobile app — both let you make a payment in minutes without calling anyone. If you prefer to speak with someone, you can call the number on the back of your card.

Chase also accepts payments by mail if you send a check, though this takes longer because the payment has to arrive and be processed. Some people set up automatic payments so the bill is paid on the same day each month without having to remember to do it manually.

Key Takeaways

  • Online payments through Chase.com or the mobile app are processed the same day or next business day, depending on when you submit them.
  • You can pay from a Chase checking account, another bank account, or a debit card, but you cannot pay with another credit card.
  • Setting up automatic payments prevents late fees and interest charges by ensuring your bill is paid on the due date every month.
  • Payments made after 8 p.m. Eastern Time typically process the next business day, so timing matters if your due date is soon.
  • Mailed checks take 7 to 10 business days to arrive and clear, so mail payments should be sent at least two weeks before your due date.

Paying online through Chase.com or the mobile app

Log into your Chase account on their website or open the Chase Mobile app, then select your credit card account. Look for the "Pay" button or "Make a Payment" option. You will enter the amount you want to pay and choose the date you want it to be processed. Chase lets you pay the full balance, the minimum payment, or any amount in between.

You will need to choose where the money comes from — either a Chase checking account linked to your profile, another bank account, or a debit card. If you are using an account from a different bank, Chase will ask for your routing number and account number. The payment will show as pending immediately, but it typically settles within one business day.

Automatic payments and due date management

Setting up automatic payments means Chase withdraws money from your bank account on a date you choose each month. This prevents missed payments and the late fees and interest charges that come with them. You can set it to pay the full balance, the minimum payment, or a fixed amount you decide on.

To set up automatic payments, go to the "Payments" or "Billing" section of your Chase account online, then look for "Autopay" or "Automatic Payments." You will choose which account to pull money from and what day of the month you want the payment to happen. If your due date is the 15th, for example, you might set autopay for the 10th to give yourself a buffer. You can change or cancel automatic payments at any time.

Paying by phone or mail

To pay by phone, call the number on the back of your credit card. A representative will ask for the amount you want to pay and confirm the account you want to pay from. Phone payments are processed the same day if you call before the cutoff time, which is usually around 8 p.m. Eastern Time on business days.

If you pay by mail, write a check and include your account number on the check itself. Mail it to the address shown on your statement — do not mail it to a Chase branch. The payment will not be recorded until the check arrives and clears, which typically takes 7 to 10 business days. If your due date is coming up, mail is too slow; use online payment or call instead.

What happens if you miss a payment or pay late

If your payment does not arrive by the due date shown on your statement, Chase will charge a late fee. The amount depends on your card and your account history, but it is usually between $25 and $40 for the first late payment. More importantly, a late payment can trigger a higher interest rate on your entire balance, not just new purchases.

If you realize you will miss the due date, contact Chase immediately. Explain the situation and ask if they can waive the late fee — they sometimes do for customers with good payment history. Even if they cannot waive it, paying as soon as possible stops additional fees from piling up. A payment is considered late if it is not received by 5 p.m. Eastern Time on the due date, so same-day online payments must be submitted before that time.

Payment timing and processing

Online payments submitted before 8 p.m. Eastern Time on a business day usually process the next business day. Payments submitted after 8 p.m. or on weekends and holidays process the following business day. This means if your due date is tomorrow and you pay today after 8 p.m., the payment may not post in time, and you could be charged a late fee even though you tried to pay on time.

Chase counts a payment as received on the day it posts to your account, not the day you submit it. If you are cutting it close to your due date, use online payment or call before the cutoff time rather than mailing a check. If you are paying from another bank's account, that bank may also have its own processing time, so factor that in when you schedule the payment.

Frequently Asked Questions

Can I pay my Chase credit card with another credit card?

No. Chase does not accept credit card payments from any card, including other Chase cards. You can only pay with a bank account or debit card. Paying a credit card with another credit card is considered a cash advance and comes with high fees and interest rates.

What is the difference between the due date and the statement date?

The statement date is when your billing cycle closes and your bill is calculated. The due date is when payment must arrive to avoid a late fee — usually 21 to 25 days after the statement date. You can pay anytime after the statement date, but paying before the due date is what matters for avoiding penalties.

If I set up automatic payments, can I still make extra payments?

Yes. Automatic payments do not prevent you from making additional payments whenever you want. You can pay online, by phone, or by mail on top of your automatic payment. This is useful if you want to pay down your balance faster or if you have extra money in a given month.

How long does it take to pay off a balance if I only make minimum payments?

It depends on your balance and interest rate, but minimum payments are designed to keep you in debt for years. If you carry a balance, paying more than the minimum each month will save you significant interest. Chase shows you on your statement how long it will take to pay off your balance if you only make minimum payments.

What should I do if my payment was rejected?

Check your Chase account to see the reason — common causes are insufficient funds, an expired debit card, or an incorrect account number. Fix the issue and try again immediately. Contact Chase if you are unsure why the payment failed. A rejected payment does not count as a late payment, but you still need to pay before the due date to avoid fees.