The phone number for Bank of America credit card payments is 1-800-732-9194
Call that number from the phone number associated with your account, and you can pay your balance using your checking or savings account. The system is automated — you don't speak to a person unless you ask to. Payments made before 8 p.m. Eastern time on a business day usually post the same day. Payments made after that or on weekends post the next business day.
You'll need your 16-digit card number and your PIN (the four digits you set up when you enrolled in phone banking). If you haven't set up a PIN yet, you can create one during the call. Have your checking or savings account number ready — that's where the payment will come from.
Key Takeaways
- Bank of America credit card payments by phone go through 1-800-732-9194, and the system is automated unless you choose to speak with someone.
- Payments made before 8 p.m. Eastern on a business day post the same day; payments after that or on weekends post the next business day.
- You need your card number, a four-digit PIN, and a checking or savings account number to complete the payment.
- You can set up a one-time payment or schedule recurring payments for the same amount each month through the phone system.
What information you need before you call
Gather these items before dialing: your Bank of America credit card number (all 16 digits), your PIN, and the account number of the bank account you want to pay from. If you don't have a PIN set up yet, the system will walk you through creating one — it takes about a minute.
You'll also want to know how much you're paying. You can pay your full statement balance, your minimum payment, or any amount in between. The system will tell you what your current balance is if you're not sure.
How the payment process works on the phone
After you call 1-800-732-9194, the automated system asks you to enter your card number and PIN. It then confirms the last four digits of the card and asks what you want to do. Select the option for making a payment.
The system shows your current balance and minimum payment due, then asks how much you want to pay. Enter the amount, confirm the bank account the money will come from, and review the details. Once you confirm, the payment is submitted. The system gives you a confirmation number — write it down or note it in your records.
When payments post and what to expect
A payment made before 8 p.m. Eastern time on a Monday through Friday posts to your account that same day. A payment made after 8 p.m. or on a Saturday, Sunday, or holiday posts the next business day. This means a Friday evening payment won't post until Monday.
Your available credit increases as soon as the payment posts. Your statement balance updates on your next billing cycle. If you're close to your credit limit and need the credit when ready, calling before 8 p.m. on a weekday gives you the fastest result.
Setting up automatic monthly payments
The phone system lets you schedule a recurring payment for the same amount each month. During the payment process, instead of selecting "one-time payment," choose the option for recurring or automatic payments. You'll set the amount and the day of the month you want it to come out.
Automatic payments are useful if you want to pay the same amount every month — for example, your full statement balance or a fixed amount toward your debt. You can change or cancel an automatic payment by calling the same number and following the prompts, or by logging into your Bank of America online account.
Alternatives if you can't use the phone
If you prefer not to call, you can pay online through your Bank of America account at bankofamerica.com, through the mobile app, or by mail. Online and mobile payments work the same way as phone payments — they post the same day if submitted before 8 p.m. Eastern on a business day.
You can also set up automatic payments through your online account, which gives you more control over the exact date and amount. Mail payments take 7 to 10 business days to arrive and post, so use this method only if you're paying well ahead of your due date.
What to do if you have questions during the call
The automated system includes an option to speak with a representative if you get stuck or have a question the automated menu doesn't address. Press the button or say "representative" when prompted. Wait times vary depending on call volume, but you'll reach someone who can walk you through the payment or answer questions about your account.
If you call outside business hours (generally 8 a.m. to 8 p.m. Eastern, Monday through Friday), you can still use the automated payment system. A representative is available during business hours if you need one.
Frequently Asked Questions
Can I pay my Bank of America credit card with a debit card over the phone?
No. Phone payments must come from a checking or savings account. If you want to pay with a debit card, use the online payment option at bankofamerica.com or the mobile app, which accepts debit cards as well as bank accounts.
What if I don't remember my PIN?
Call 1-800-732-9194 and select the option to set up or reset your PIN. The system will verify your identity using information from your account, then let you create a new PIN on the spot. You can use it when ready for your payment.
Is there a fee to pay by phone?
No. Bank of America does not charge a fee for phone payments from a linked bank account. Some third-party payment services charge fees, but the official Bank of America phone line is free.
How long does it take for a payment to show up on my account?
Payments made before 8 p.m. Eastern on a business day post the same day. Payments made after 8 p.m. or on weekends post the next business day. Your available credit updates when ready, but your statement balance updates on your next billing cycle.
Can I pay someone else's Bank of America credit card by phone?
No. The phone system requires you to call from the phone number on file for the account, and you need the cardholder's PIN. Only the person whose name is on the card can authorize a payment through this system.