Log in to Chase and find your payment option

Go to chase.com and enter your username and password on the main login page. If you have multiple Chase accounts, you may see them all listed after you sign in. Select the credit card account you want to pay.

Once you're viewing your account, look for a button or link labeled "Make a Payment," "Pay Now," or "Payments" — the exact wording varies depending on which version of Chase's website you're using. This is usually near the top of the account summary or in a menu on the left side of the screen.

If you can't find the payment option, try clicking on the account name itself to open the full account details page. The payment button should appear there.

Key Takeaways

  • You log in at chase.com with your username and password, then select the credit card account you want to pay from your account list.
  • Chase lets you pay from a bank account you've already linked, or you can add a new bank account during the payment process.
  • You choose the payment amount and the date you want the money to leave your bank account — same-day payments are usually available.
  • Chase shows you a confirmation number after you submit your payment, and you should save or print this for your records.
  • If you set up automatic payments, Chase will deduct the amount you choose on the date you select each month or billing cycle.

Choose your payment method and amount

When you click the payment button, Chase will ask where the money should come from. If you've already linked a bank account to your Chase credit card, that account will appear as an option. You can select it and move forward, or you can add a different bank account by entering the routing number and account number.

Next, enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Chase will show you what your current balance is, what the minimum payment is, and what interest you're being charged, so you can make an informed choice about how much to pay.

Some people pay only the minimum to keep cash on hand; others pay the full balance to avoid interest charges. There's no penalty for paying more than the minimum, and paying the full balance each month is the most cost-effective approach if you can manage it.

Select your payment date

Chase will ask when you want the payment to be processed. You can usually choose same-day payment if you're paying before a certain cutoff time (often 8 p.m. Eastern Time on business days), or you can schedule the payment for a future date up to several weeks out.

If you choose same-day payment, the money will leave your bank account that day and reach Chase within hours. If you schedule it for a future date, the money will leave your bank account on that date. Keep in mind that your payment deadline — the date Chase needs to receive your payment to avoid a late fee — is printed on your billing statement, so don't schedule your payment after that date.

If you're cutting it close to your due date, same-day payment is the safer choice because it reaches Chase immediately rather than taking one or two business days.

Review and confirm your payment

Before you submit, Chase will show you a summary of what you're about to do: the amount, the date, and the bank account it's coming from. Read through this carefully to make sure everything is correct. If something is wrong, go back and fix it before you submit.

Once you submit, Chase will give you a confirmation number. Write this down or take a screenshot — you'll need it if you ever have a question about whether the payment went through. You can also find a record of the payment in your Chase account history.

Set up automatic payments if you want them

If you'd rather not log in every month to make a payment, Chase lets you set up automatic payments. You choose the amount (minimum payment, full balance, or a fixed dollar amount) and the date each month or billing cycle when you want the payment to happen automatically.

Automatic payments are useful if you want to make sure you never miss a due date, but they require you to have enough money in your bank account on that date every month. If your income varies or you're not sure you'll have the funds, manual payments give you more control.

You can change or cancel automatic payments anytime by going back into your Chase account and editing your payment settings.

Troubleshoot if your payment doesn't go through

If you see an error message when you try to pay, the most common reasons are: the bank account information is incorrect, there aren't enough funds in your bank account, or there's a temporary problem with Chase's system or your bank's system.

Try these steps: first, check that the routing number and account number you entered are correct (your bank statement or online banking will show both). Second, make sure your bank account has enough money to cover the payment. Third, wait a few minutes and try again — temporary system glitches usually clear up quickly.

If you still can't pay online, you can call Chase's customer service number on the back of your credit card and make a payment over the phone. You'll need your bank account information ready, and Chase will charge you a small fee for phone payments in some cases.

Understand what happens after you pay

Once your payment is processed, it reduces your credit card balance and your available credit increases. If you paid your full balance, your next billing statement will show a zero balance (though new purchases will appear on your next statement).

Your payment history is reported to the credit bureaus, so making on-time payments helps your credit score. Late payments — those that arrive after your due date — hurt your score and trigger late fees, so it's worth setting a calendar reminder if you're paying manually.

If you overpay (send more than your balance), Chase will hold the extra money as a credit on your account, which will be applied to your next purchases or billing cycle.

Frequently Asked Questions

Can I pay my Chase credit card from a bank account at a different bank?

Yes. You can link any bank account you own, regardless of which bank it's at. You'll need the routing number and account number, which you can find on a check or in your bank's online banking portal. Chase will verify the account by depositing and withdrawing small amounts, which usually takes one to two business days.

What's the difference between same-day payment and regular payment?

Same-day payment processes immediately and reaches Chase the same day, usually within hours. Regular scheduled payments take one to two business days to move from your bank account to Chase. If your due date is coming up, same-day payment is safer because there's no delay.

Will I be charged a fee to pay my credit card online?

No. Paying online through your Chase account is free. Phone payments may carry a fee depending on your card type, and paying in person at a Chase branch is also free, but online payments have no charge.

What if I accidentally paid the wrong amount?

If you overpaid, the extra money stays on your account as a credit and will be applied to future purchases. If you underpaid and missed your due date, you'll owe a late fee. If you underpaid but paid before the due date, you'll simply owe the remaining balance on your next statement with no penalty.

Can I cancel a payment after I've submitted it?

It depends on the payment date. If you scheduled it for a future date and haven't reached that date yet, you can usually cancel it by logging back into your account and selecting the payment to delete. If the payment has already been processed or is scheduled for today, you cannot cancel it — you'll need to call Chase customer service to discuss options.