Chase Online Credit Card Payment: The Basic Steps
You can pay your Chase credit card through Chase.com, the Chase Mobile app, or by phone. The fastest method is logging into your Chase account online, clicking "Pay," entering the amount, and choosing your payment date — the payment posts within one business day if you pay before the cutoff time (usually 8 p.m. ET). You can also set up automatic payments so the same amount withdraws from your bank account on the same day each month.
Chase accepts payments from any U.S. bank account you own. You'll need your routing number and account number, which you can find on a check or by logging into your bank's website. If you're paying from an account at a different bank, Chase may hold the payment for verification the first time you use that account — this typically takes one business day.
Key Takeaways
- Payments made before 8 p.m. ET on a business day post to your account the next business day.
- You can pay from any U.S. bank account by entering your routing and account numbers, or set up automatic payments to deduct the same amount monthly.
- Chase charges no fee for online or app payments, but does charge a fee if you pay by phone with a representative.
- If you miss a payment, Chase reports it to credit bureaus after 30 days past due, which can lower your credit score.
Payment Timing and When Money Actually Posts
The day your payment posts depends on when you submit it and whether it's a business day. If you pay before 8 p.m. ET on a weekday, Chase processes it that night and the payment shows in your account the next business day. Payments submitted after 8 p.m. ET or on weekends and holidays are processed the next business day and post the day after that.
This matters because your payment due date is set by Chase and doesn't change based on when you pay. If your due date is the 15th and you pay on the 20th, you're late even if the payment posts the same day you submit it. Chase reports late payments to credit bureaus 30 days after the due date passes, so paying a few days late won't immediately hurt your score — but it will if it becomes a pattern.
If you have an urgent payment and it's after 8 p.m. ET on a Friday, you won't see it post until Monday at the earliest. Plan ahead for large payments or if you're close to your due date.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. Log into Chase.com, go to "Pay," select "Automatic Payments," and choose the amount (minimum payment, statement balance, or a fixed dollar amount you set) and the date each month. Chase will withdraw that amount from your linked bank account on the date you choose, every month until you cancel it.
Most people set automatic payments for the full statement balance so they never carry interest. If you set it to the minimum payment, you'll pay interest on the remaining balance, but your payment will never be late. You can change or cancel automatic payments anytime through your Chase account — there's no penalty for stopping.
If your bank account doesn't have enough money on the scheduled payment date, the payment will fail and Chase will mark it as late. Set your automatic payment date a few days after you typically get paid to avoid this.
Paying from a Different Bank Account
You can link a bank account from any U.S. bank to your Chase credit card. The first time you use a new account, Chase may place a hold on the payment for verification — this usually takes one business day, but can take up to five. After that first payment clears, future payments from the same account process normally.
To add a new bank account, go to "Pay" on Chase.com, select "From a different bank," and enter your routing number and account number. Chase will send two small deposits (under $1 each) to that account within a few days. You'll then need to log back into Chase and confirm the amounts of those deposits to verify you own the account. This verification step is a security measure and is required before your first payment can post.
If you're in a hurry and can't wait for verification, you can pay by phone with a Chase representative, but Chase charges a fee for this service — currently $15 for payments over $100 and $5 for smaller amounts.
Fees and What Chase Charges
Chase does not charge a fee for online payments through Chase.com or the Chase Mobile app. Automatic payments are also free. The only fee Chase charges for credit card payments is if you pay by phone with a representative — $15 for payments over $100 and $5 for payments of $100 or less.
Some third-party payment services advertise that they'll pay your Chase card for you, often charging a fee to do so. There's no reason to use these services — Chase's own payment system is free and takes less than a minute to use.
Your bank may charge a fee if you use a bill pay service to send a check to Chase, but this is rare and would be your bank's fee, not Chase's. The fastest and cheapest way to pay is always through Chase's website or app.
What Happens If You Miss a Payment
If your payment is late by even one day, Chase will charge a late fee. The amount depends on your card terms, but typically ranges from $25 to $40 for a first late payment. If you're late again within six months, the fee may be higher. You'll also pay interest on any balance you're carrying, and the interest rate may increase if you miss a payment.
After 30 days past due, Chase reports the late payment to the three credit bureaus (Equifax, Experian, and TransUnion). This stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on your score and payment history. A single 30-day late payment is serious — it will make it harder to get approved for loans, credit cards, or even rental housing.
If you're struggling to make a payment, contact Chase before the due date. They may offer a hardship program, a lower interest rate, or a payment plan. Calling after you're already late is harder to negotiate from, so reach out early if you see a problem coming.
Paying More Than Your Minimum or Statement Balance
You can pay any amount you want, as long as it's at least the minimum payment shown on your statement. Many people pay more than the statement balance to pay down debt faster or to cover purchases they made after their statement closed. There's no limit on how much you can pay in a single transaction.
If you pay more than you owe, the extra amount becomes a credit on your account. Chase will apply it to your next statement or you can request a refund. Some people intentionally overpay by $20 or $30 to build a small buffer so they don't accidentally miss a payment if they forget to pay one month.
Paying more than the minimum is the only way to reduce the total interest you pay. If you carry a balance, every extra dollar you pay goes directly to principal and saves you interest — there's no downside to paying more.
Frequently Asked Questions
Can I pay my Chase credit card with a debit card?
No, Chase does not accept debit card payments directly through their website or app. You can only pay from a bank account. If you want to use a debit card, you'd need to transfer money from the debit card to a bank account first, then pay from that bank account — but this adds an extra step and potential fees from your bank.
What time does Chase process payments?
Chase processes payments submitted before 8 p.m. ET on business days that same night. Payments submitted after 8 p.m. ET or on weekends and holidays are processed the next business day. The payment then posts to your account the following business day. Exact timing varies, but most payments show up by mid-morning.
Can I pay my Chase card through my bank's bill pay?
Yes, you can use your bank's bill pay service to send a check to Chase, but it's slower and unnecessary. Paying directly through Chase.com or the app is instant and free. Your bank may also charge a fee for bill pay, whereas Chase's payment system never does.
What if I pay my Chase card but the payment doesn't show up?
Check your Chase account to confirm the payment was submitted — sometimes people think they paid but didn't complete the final step. If it was submitted, it should post within one to two business days. If it's been longer than that, contact Chase customer service. If you're worried about being late, call Chase to confirm they received the payment before the due date passes.
Can I set up automatic payments for different amounts each month?
No, automatic payments must be the same amount every month. You can choose to pay the minimum, the full statement balance, or a fixed dollar amount, but it won't change month to month. If you want to pay different amounts, you'll need to make manual payments each month or adjust your automatic payment amount through your Chase account.