The main phone number for Bank of America credit card payments is 1-800-732-9194
This is the general customer service line where you can make a payment over the phone using a debit account, checking account, or another Bank of America card. The system will ask for your card number and the amount you want to pay. You can reach this number 24 hours a day, seven days a week.
If you are a Bank of America customer with online banking access, you also have the option to set up automatic payments through your account dashboard, which many people find faster than calling. But if you prefer to speak with someone or need to make a one-time payment right now, the phone line is available when ready.
Key Takeaways
- Call 1-800-732-9194 to make a credit card payment by phone using a bank account or another card.
- Payments made by phone typically post to your account within one business day, though the exact timing depends on when you call and your bank's processing schedule.
- You will need your credit card number and the payment amount ready before you call, and the system will confirm the transaction with a reference number.
- Bank of America also lets you set up recurring automatic payments through online banking if you want to avoid calling each month.
- If you are calling from outside the United States, international rates may explore, so check with your phone carrier first.
What information you need before calling
Have your Bank of America credit card number ready — the 16-digit number on the front of your card. You will also need to know the exact amount you want to pay and have access to the bank account or payment method you are paying from. If you are paying from a checking or savings account, you will need the routing number and account number for that bank.
The automated system will walk you through each piece of information step by step, so you do not have to memorize everything. But having it in front of you before you dial saves time and reduces the chance of entering something wrong.
How the payment process works on the phone
After you call 1-800-732-9194, the automated system will ask you to enter your credit card number using your phone keypad. Next, it will ask how much you want to pay — you can pay your full balance, the minimum payment, or any amount in between. Then you will choose your payment method: a checking or savings account, or another Bank of America card.
If you choose to pay from a bank account, you will enter the routing and account number. The system will confirm all the details back to you before you complete the transaction. At the end, you will receive a confirmation number — write this down or take a screenshot in case you need to reference the payment later.
The whole process usually takes five to ten minutes. If you run into trouble or the automated system cannot process your payment, you can press a button to speak with a representative during business hours.
When your payment will show up
Payments made by phone typically post to your account within one business day. If you call on a Friday evening, the payment may not show until Monday. Payments made on a weekend or holiday may take longer because the banking system does not process transactions on those days.
Bank of America counts the payment as received on the day you make it, so you will not be charged a late fee if you call before your due date — even if the money does not actually appear in your account until the next business day. This is an important distinction: the payment date is when you make the call, not when the money clears.
Alternatives to paying by phone
If you have a Bank of America online banking account, you can log in and make a payment through the website or mobile app without calling. This route is often faster and gives you a record of the transaction when ready. You can also set up automatic payments so the same amount comes out on the same day each month, which means you never have to remember to call.
You can also pay in person at any Bank of America branch during business hours, though this requires a trip to a physical location. Some people mail a check, but this takes longer and is riskier if the check gets lost in the mail.
What to do if you cannot reach the phone line
If you call 1-800-732-9194 and get a busy signal or long wait time, try calling back during off-peak hours — early morning or late evening usually have shorter queues. You can also try the Bank of America mobile app or website, which do not have wait times and are available anytime.
If you are having trouble with the automated system — for example, if it will not accept your card number or payment amount — stay on the line and ask to speak with a representative. They can process the payment manually and troubleshoot any technical issues. This may take longer, but it will get your payment through.
International calls and special situations
If you are calling from outside the United States, the 1-800 number will not work. Instead, you will need to call Bank of America's international customer service line, which varies by country. Check your credit card statement or the Bank of America website for the correct number for your location. International calls may also incur long-distance charges from your phone carrier, so confirm the cost before you dial.
If you are deaf or hard of hearing, Bank of America offers TTY service at 1-800-935-9935. If you speak a language other than English, the phone system can connect you with an interpreter, though this may add a few minutes to your call.
Frequently Asked Questions
Can I pay my Bank of America credit card with a credit card from another bank?
No. When you call 1-800-732-9194, you can only pay using a Bank of America account or another Bank of America card. If you want to pay with a card from a different bank, you will need to use the Bank of America website or mobile app, which may have different payment options.
What is the latest time I can call to make a payment before my due date?
You can call 24 hours a day, and the payment will be recorded as received on the day you call, even if you call at 11:59 p.m. As long as you call before midnight on your due date, you will not be late. However, if your due date falls on a weekend or holiday, the important date moves to the next business day.
Is there a fee for paying by phone?
Bank of America does not charge a fee for phone payments made to your own credit card account. However, if you are paying someone else's card or using a third-party payment service, fees may explore. Always confirm with the system before you complete the transaction.
Can I make a payment by phone if I do not have online banking?
Yes. You do not need online banking to call 1-800-732-9194 and make a payment. You only need your credit card number and a valid bank account or payment method. Online banking is optional and is just another way to manage your account.
What should I do if my payment does not show up after two business days?
Contact Bank of America customer service at 1-800-732-9194 and have your confirmation number ready. A representative can look up the transaction and tell you whether it is still processing or if there was an error. Keep the confirmation number from your call in case you need to reference it later.