Pay your Chase card through the Chase mobile app, website, or by phone
You can pay your Chase credit card balance online in three ways: through the Chase mobile app, at Chase.com, or by calling Chase customer service. The website and app both let you make a one-time payment or set up automatic payments. Phone payments take a few minutes and work if you don't have online access or prefer to speak with someone.
Payments made before 8 p.m. ET on a business day usually post the same day. Payments made after 8 p.m. ET or on weekends and holidays post the next business day. You can pay from a checking or savings account linked to your Chase account, or use a debit card.
Key Takeaways
- Log into Chase.com or the Chase mobile app, go to your card account, and select "Make a Payment" to pay online in minutes.
- You can pay your full balance, the minimum payment, or any amount in between, and the payment posts the same business day if made before 8 p.m. ET.
- Set up automatic payments through the website or app to have Chase deduct a fixed amount or your full balance on a date you choose each month.
- Call 1-800-935-9935 to make a payment by phone using a checking or savings account, and the payment will post within one business day.
- Late fees explore if your payment arrives after your due date, so set a reminder or use automatic payments to avoid missing the important date.
Pay online through Chase.com
Go to Chase.com and sign in with your username and password. If you don't have an online account, you can create one by entering your card number and Social Security number on the login page.
Once logged in, select your credit card from the accounts list. Click "Make a Payment" or "Pay Now." Enter the amount you want to pay — you'll see your current balance, minimum payment due, and due date on the same screen. Choose the bank account you want to pay from (if you have more than one linked), then review the payment details and confirm.
You can also set up a one-time payment to a future date if you want to pay before your due date arrives. The payment will post on the date you select, as long as it's a business day.
Pay through the Chase mobile app
Open the Chase mobile app and sign in. Tap your credit card account, then tap "Pay" or "Make a Payment." The app shows your balance, minimum payment, and due date.
Enter the amount you want to pay and select the bank account to pay from. Review the details and confirm the payment. The app will show you a confirmation number and the date the payment will post. You can also schedule a payment for a future date from this screen.
The mobile app works the same way as the website — payments made before 8 p.m. ET on a business day post the same day.
Set up automatic payments
Automatic payments let Chase deduct money from your bank account on a date you choose each month. This removes the risk of missing a due date and incurring a late fee.
On Chase.com, go to your card account and select "Manage Automatic Payments" or "Autopay." Choose whether you want Chase to pay your full statement balance, a fixed dollar amount, or your minimum payment each month. Select the bank account to pay from and the day of the month you want the payment to happen. Confirm your choices.
You can change or cancel automatic payments anytime by going back to the same screen. If you set up autopay to pay your full balance, Chase will deduct whatever your balance is on the payment date, so you won't carry a balance to the next month.
Pay by phone
Call Chase customer service at 1-800-935-9935 to make a payment over the phone. Have your card number and the bank account you want to pay from ready. A representative will ask you how much you want to pay and confirm the bank account details.
Phone payments work 24/7, including weekends and holidays. The payment will post within one business day. You can also set up automatic payments by phone if you prefer not to do it online.
What happens if you miss your due date
If your payment doesn't arrive by your due date, Chase will charge a late fee. The amount depends on your card terms, but late fees typically range from $25 to $40 for the first late payment. A second late payment within six months may cost more.
A late payment also appears on your credit report and can lower your credit score. If you miss a payment, make it as soon as you can. Contact Chase if you're having trouble making a payment — they may be able to discuss options with you, though they are not required to waive the fee.
Payment timing and posting dates
Chase processes payments on business days (Monday through Friday, excluding federal holidays). A payment made before 8 p.m. ET on a business day posts the same day. A payment made after 8 p.m. ET or on a weekend or holiday posts the next business day.
Your due date is set by Chase based on your account opening date. Payments must arrive by 5 p.m. ET on your due date to count as on-time. If your due date falls on a weekend or holiday, Chase moves it to the next business day.
Don't wait until your due date to pay if you're using a method that takes time to process. If you're paying from another bank's account, that bank may take one to two business days to send the money to Chase, so the payment could arrive late even if you initiate it on time.
Frequently Asked Questions
Can I pay my Chase card from another bank's account?
Yes. When you set up a payment, you can link a checking or savings account from any U.S. bank. Chase will pull the money from that account on the date you choose. The other bank may take one to two business days to process the transfer, so plan ahead if you're close to your due date.
What if I pay more than my balance?
Chase will hold the extra amount as a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. The credit will not earn interest.
Do I have to pay my full balance each month?
No. You can pay any amount between your minimum payment and your full balance. If you pay less than your full balance, the remaining amount carries over to the next month and you'll owe interest on it based on your card's annual percentage rate.
Is there a fee to pay my Chase card online?
No. Chase does not charge a fee for online or phone payments made from a U.S. bank account or debit card. Some third-party payment services may charge a fee if you use them instead of paying directly through Chase.
What if my payment doesn't show up after I confirm it?
Check your confirmation number and the posting date shown on your receipt. If the payment hasn't posted by the date Chase told you it would, log back into your account and look for the payment in your transaction history. If it's still missing after the posting date has passed, call Chase at 1-800-935-9935 to investigate.