How to pay your Chase credit card bill
You can pay your Chase credit card through Chase's website, mobile app, phone, or mail. The fastest method is online or through the app — both let you pay when ready and see the payment post within one business day. If you call, a representative can process a payment over the phone. Mail takes 7 to 10 business days to arrive, so use it only if other methods are unavailable.
Chase requires a minimum payment by your statement due date each month. You can pay the full balance, the minimum, or any amount in between. Paying more than the minimum reduces the interest you owe on any remaining balance. Setting up automatic payments prevents missed due dates and the fees and credit score damage that follow.
Key Takeaways
- Online and mobile app payments post within one business day and are the fastest way to pay your Chase card.
- You can set up automatic payments to pay a fixed amount or your full balance on the same date each month.
- Paying by phone requires your account number and routing information, and the payment posts within one business day.
- Mail payments take 7 to 10 business days and should only be used if you cannot pay online, by phone, or through the app.
- Missing your due date triggers a late fee and may raise your interest rate, even if you pay the next day.
Paying online or through the Chase mobile app
Log into your Chase account at chase.com or open the Chase Mobile app. Navigate to the credit card account you want to pay. Select "Pay" or "Make a Payment" and enter the amount you want to send. You can pay from a Chase checking or savings account, or from an external bank account you have already linked to your profile.
If you are paying from an external account for the first time, Chase will verify it by depositing two small amounts (usually under $1 each) into that account. You then confirm the amounts in your Chase account to prove you own the account. This verification takes one to two business days. After that, payments from that account post within one business day.
The app also shows your current balance, minimum payment due, and due date in one view. You can set up automatic payments directly from the payment screen without leaving the app.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. In your Chase account, go to "Autopay" or "Automatic Payments" and choose the account you want to pay from. You can set the payment to occur on any date between the 1st and the 28th of each month.
Choose whether to pay a fixed dollar amount each month or your full statement balance. Paying the full balance means you never carry a balance and pay no interest (assuming you do not make new charges after the payment posts). Paying a fixed amount is useful if you are paying down debt on a schedule — for example, $500 per month — but you will still owe interest on the remaining balance.
You can change or cancel automatic payments at any time. If you cancel, set a phone reminder for your due date so you do not miss a payment by accident.
Paying by phone
Call the number on the back of your Chase credit card. A representative will ask for your account number and the amount you want to pay. Have your checking or savings account number and routing number ready if you are paying from a bank account. The payment posts within one business day.
Phone payments are useful if you do not have internet access or prefer speaking to someone. They are slower than online or app payments only in the sense that you cannot do them at 2 a.m. — the call center has business hours, though Chase offers 24/7 phone support for most cardholders.
Paying by mail
Write a check or money order payable to Chase. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from your billing address and is designed for mail payments specifically.
Mail payments take 7 to 10 business days to arrive and post. If your due date is fewer than 10 days away, do not use mail. The post office does not may provide delivery by a specific date, and Chase will not waive a late fee if your check arrives after the due date, even if you mailed it on time.
What happens if you miss your due date
A late payment fee (usually $25 to $40, depending on your card and how late you are) appears on your next statement. More importantly, your interest rate may increase — some cards raise the rate to 29% or higher if you are 60 days late. This higher rate can stay in place for six months or longer, even after you catch up.
Late payments also damage your credit score. A single late payment can lower your score by 100 points or more. The damage fades over time, but the late payment stays on your credit report for seven years.
If you miss a payment by one or two days, call Chase when ready. Some cardholders have had late fees waived as a one-time courtesy, especially if they have a good payment history. There is no harm in asking.
Paying more than the minimum
Your minimum payment is usually 1% to 3% of your balance plus interest and fees. Paying only the minimum means you will carry the balance for years and pay thousands in interest. For example, a $5,000 balance at 20% interest takes roughly five years to pay off if you pay only the minimum each month.
Paying more than the minimum reduces the balance faster and cuts the total interest you owe. If you can afford it, pay the full statement balance each month. If not, pay as much as you can above the minimum. Even an extra $50 or $100 per month shortens the payoff timeline and saves money on interest.
Frequently Asked Questions
Can I pay my Chase credit card with a debit card?
No. Chase does not accept debit card payments for credit cards. You can pay from a linked checking or savings account, by check, or by phone with your bank account number. Paying with another credit card is also not possible — it would count as a cash advance and trigger fees and higher interest.
How do I know if my payment went through?
Online and app payments show a confirmation number when ready after you submit them. Check your account the next business day to see the payment post to your balance. You can also set up payment notifications in your Chase account settings so you receive an email or text when a payment is processed.
What if I pay after my due date but before the next statement closes?
You will be charged a late fee and your interest rate may increase. The due date is the important date — paying even one day late triggers penalties. If you know you will be late, call Chase before the due date to discuss your options.
Can I make multiple payments in one month?
Yes. You can pay as many times as you want each month. Some people pay weekly or twice a month to stay on top of their balance. Each payment posts within one business day (or when ready if you pay online).
What is the difference between my statement balance and my current balance?
Your statement balance is what you owed on the day your statement closed — usually 20 to 25 days before your due date. Your current balance includes new charges you have made since the statement closed. If you want to pay off everything you owe, pay your current balance, not your statement balance.