The mailing address for Chase credit card payments
Chase has a single mailing address for all credit card payments by mail. Send your payment to:
Chase Card Services P.O. Box 15298 Wilmington, DE 19850-5298
This address works for all Chase-branded credit cards, including the Chase Sapphire, Freedom, Ink Business, and Amazon Visa cards. Write your account number on the check or money order, and include the payment stub from your statement if you have it — this helps the payment post faster.
Mail payments typically take 5 to 7 business days to arrive and post to your account. If you are close to your due date, use online or phone payment instead to avoid late fees.
Key Takeaways
- Mail payments to Chase Card Services in Wilmington, Delaware, and allow 5 to 7 business days for the payment to post.
- Online payment through your Chase account or the Chase mobile app posts the same day or next business day.
- Phone payments to 1-800-935-9935 process when ready and let you pay from a bank account or another card.
- Automatic payments set up in your Chase account prevent missed due dates and can be scheduled for any day each month.
- If you mail a payment within 3 days of the due date, the payment may post after the due date and trigger a late fee.
Paying online through your Chase account
The fastest and safest way to pay is through your Chase account online or on the mobile app. Log in to your account, select the credit card you want to pay, and choose "Make a Payment." You can pay from a linked bank account, and the payment posts the same business day if you submit it before 8 p.m. Eastern Time on a business day.
Online payment is free and leaves an when ready record in your account. You can also schedule a payment for a future date, which is useful if you want to pay on a specific day each month but do not want to set up automatic payments.
Paying by phone
Call Chase at 1-800-935-9935 to make a payment over the phone. A representative will ask for your account number and routing information from your bank account, or you can pay with another credit or debit card. Phone payments process when ready and you will receive a confirmation number.
Phone payment is free and works 24 hours a day, 7 days a week. This option is useful if you do not have online access or prefer to speak with someone while making the payment.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. In your Chase account, go to "Automatic Payments" and select the card you want to pay. Choose the amount (minimum payment, statement balance, or a fixed amount), the day of the month the payment should post, and the bank account it should draw from.
You can set up multiple automatic payments for the same card — for example, one for the full statement balance on the 1st of each month, and a second payment on the 15th if you make large purchases mid-month. You can pause or cancel an automatic payment at any time in your account settings.
What happens if your payment is late
A payment is late if it does not post by 5 p.m. Eastern Time on the due date shown on your statement. Chase charges a late fee (typically $25 to $35 for the first late payment, higher for repeat lates) and reports the late payment to credit bureaus if it is 30 days past due.
If you realize a payment will be late, call 1-800-935-9935 when ready. Chase may waive a single late fee if you have a good payment history and ask within a reasonable time. A late payment stays on your credit report for seven years, so preventing it is far better than trying to remove it later.
Payments from outside the United States
If you are paying from a bank account outside the U.S., use online payment or call 1-800-935-9935 to arrange an international wire transfer. Mailing a check from outside the country is slow and unreliable. International wire transfers may take 3 to 5 business days and may include fees from your bank, so plan ahead if your due date is approaching.
Some international banks charge a fee to send a wire transfer to the U.S., and Chase may charge a fee to receive it. Ask your bank about the total cost before you send the transfer.
Frequently Asked Questions
How long does a mailed payment take to show up in my account?
Mail typically takes 5 to 7 business days to arrive at Chase, and then 1 to 2 business days to post to your account. If you mail a payment within 3 days of your due date, it may post after the due date and trigger a late fee. Use online or phone payment if your due date is within a week.
Can I pay my Chase credit card from another bank's website?
Yes. Log into your other bank's bill pay system, add Chase Card Services in Wilmington, Delaware as a payee, and schedule the payment. Your bank will mail a check on your behalf, so allow the same 5 to 7 days for delivery. This method is free but slower than paying directly through Chase.
What if I send a payment to the wrong address?
If you mail a payment to an address other than the Wilmington, Delaware address, it may be returned to you or forwarded to Chase, which delays posting. If you are unsure whether your payment arrived, log into your account or call 1-800-935-9935 to check the status. If the payment is missing, you can stop payment on the check and resubmit it to the correct address.
Can I pay more than my statement balance?
Yes. You can pay any amount up to your full account balance, and the extra payment will reduce your balance and lower your interest charges. Overpayments do not earn interest and do not roll over as a credit on future statements — they straightforward reduce what you owe.
Do I need to include the payment stub with my mailed check?
The payment stub helps Chase match your payment to your account faster, but it is not required. Always write your account number on the check itself so the payment posts even if the stub is lost. If you do not have a stub, a check with your account number is sufficient.