The fastest way to pay Bank of America is through their website or mobile app, where you can send money the same day you log in
Bank of America lets you pay your credit card balance online, by phone, by mail, or in person at a branch. The online and mobile app routes are fastest — you can make a payment in minutes and see it post within one business day. If you need to pay by phone, call the number on the back of your card. If you prefer to mail a check, the address is on your statement, but allow 7 to 10 days for it to arrive and post.
You do not have to wait for a bill to arrive to pay. You can pay any amount, any time — the full balance, the minimum, or anything in between. Paying more than the minimum reduces the interest you owe on the remaining balance.
Key Takeaways
- Online and mobile app payments post within one business day and take just a few minutes to set up.
- You can pay from a Bank of America account, an external bank account, or a debit card linked to your account.
- Setting up automatic payments ensures you never miss a due date, though you should still check your statement each month.
- Mailed checks take 7 to 10 days to arrive, so send them at least two weeks before your due date to avoid a late payment.
- Bank of America charges no fee for paying your credit card balance, regardless of the method you choose.
Paying online or through the mobile app
Log into your Bank of America account on their website or open the mobile app, then select your credit card and choose "Make a Payment" or "Pay Bill". You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay and the date you want it to post. If you are paying from a Bank of America checking or savings account, the money moves when ready. If you are paying from an external account, you will need to add that account first by providing the routing number and account number.
The payment posts within one business day. If you pay on a Friday evening, it will post on Monday. If you pay after 11:59 p.m. Eastern Time, Bank of America may treat it as submitted the next day. Once the payment posts, your available credit increases and your balance decreases.
Setting up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting to pay. Log into your account, go to "Manage Automatic Payments" or "Autopay", and choose how much you want to pay each month — the full statement balance, the minimum payment, or a fixed dollar amount. Select the date you want the payment to come out each month, ideally a few days before your due date.
Once autopay is set up, the payment comes out automatically on that date every month. You can change the amount or the date anytime, and you can pause or cancel autopay if your situation changes. Even with autopay on, you should still review your statement each month to make sure the charges are correct and the payment went through.
Paying by phone or at a branch
To pay by phone, call the number on the back of your credit card. A representative will ask for your account number and the amount you want to pay, then confirm the payment date. Payments made by phone post within one business day, the same as online payments.
If you have a Bank of America branch near you, you can also walk in and pay in person. Bring your card or account number and the cash or check you want to use. In-person payments post the same day if you pay before the branch closes.
Paying by mail
Write a check, include a payment stub from your statement (or write your account number on the check), and mail it to the address shown on your statement. Do not mail cash. Allow 7 to 10 days for the check to arrive and post. If your due date is coming up soon, mailing a check is risky — the payment may not arrive in time, and you could be charged a late fee even though you sent the payment on time.
If you mail a check, send it at least two weeks before your due date to be safe. If you are close to your due date and do not have time to mail, use online or phone payment instead.
What happens if you miss a payment or pay late
A payment is late if it arrives after your due date. Bank of America will charge a late fee, usually $25 to $35 depending on your card and how many late payments you have had. Your interest rate may also increase. A late payment stays on your credit report for seven years and can lower your credit score.
If you realize you are going to miss a due date, contact Bank of America before the date passes. Some cardholders can request a one-time courtesy waiver of the late fee, though this is not may provide. Calling before the due date is always better than calling after.
Paying more than the minimum to reduce interest
Your statement shows a minimum payment — often $25 or a small percentage of your balance. Paying only the minimum means you will carry the rest of the balance forward and pay interest on it. If you have a large balance and a high interest rate, paying only the minimum can take years to pay off and cost you hundreds in interest.
Paying more than the minimum reduces the balance faster and saves you money on interest. If you can pay the full statement balance each month, you will owe no interest at all. If you cannot pay the full balance, pay as much as you can afford — even $50 or $100 more than the minimum makes a difference over time.
Frequently Asked Questions
Can I pay my Bank of America credit card from another bank's account?
Yes. When you choose to pay from an external account, Bank of America will ask you to add that account by providing the routing number and account number. The first time you add an external account, Bank of America may hold the payment for a day or two to verify the account. After that, payments from that account post within one business day.
What if I pay more than I owe?
If you pay more than your balance, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request a refund. Contact Bank of America to request a refund if you want the money back.
Is there a fee to pay my credit card?
No. Bank of America does not charge a fee for paying your credit card balance, no matter which method you use — online, mobile app, phone, mail, or in person.
How do I know if my payment went through?
After you submit a payment online or by phone, you will see a confirmation number. Log back into your account a few hours later to verify the payment appears in your transaction history. Once it posts, your available credit will increase and your balance will decrease.
Can I schedule a payment for a future date?
Yes. When you make a payment online or through the mobile app, you can choose the date you want it to post. Select a date at least one business day in the future. This is useful if you want to time the payment with when you get paid.