Chase lets you pay your credit card bill through their website or mobile app, and the payment usually posts within one business day
You can pay Chase credit cards online by logging into your Chase account, selecting the card you want to pay, entering the amount, and choosing a payment date. Chase processes most online payments the next business day. You do not need to call or visit a branch — the whole thing takes about five minutes from your computer or phone.
The payment goes straight from your bank account to Chase, so you need your checking or savings account number ready. You can pay the full balance, the minimum payment, or any amount in between. If you set up a payment for a future date, Chase will process it on that date automatically.
Key Takeaways
- Log into Chase.com or the Chase mobile app, find your credit card, and select "Make a Payment" to send money from your bank account.
- Online payments typically post within one business day, so plan ahead if you are close to your due date.
- You can pay any amount — the full balance, the minimum, or something in between — and schedule payments for future dates.
- Chase charges no fee for online payments from a linked bank account, but payments from a debit card or third-party account may carry a fee.
Steps to pay your Chase credit card online
Start by going to Chase.com or opening the Chase mobile app on your phone. Sign in with your username and password. If you do not have an online account yet, you will need to set one up first — you can do this with your card number and Social Security number.
Once you are logged in, select the credit card you want to pay from the list of your accounts. Click or tap "Make a Payment" or "Pay Now." Enter the amount you want to pay. You can choose to pay the full statement balance, the minimum payment, or a custom amount. Then select the date you want the payment to be processed — you can pay today or schedule it for a future date up to 15 days out.
Review the payment details to make sure everything is correct, then confirm. Chase will send you a confirmation number by email. The payment will post to your account within one business day in most cases, though it can take up to two business days during weekends or holidays.
What bank account information you need
Chase will ask you to link a bank account where the payment money will come from. This is usually your checking account, but it can be any account you own at any bank. You will need the routing number and account number from that bank.
You can find your routing number and account number on the bottom left of your checks, or by logging into your bank's website. If you have already linked a bank account to your Chase online profile, you can just select it from the list instead of entering the details again.
Chase will not charge you a fee for paying from a linked bank account. However, if you pay using a debit card or a third-party payment service, Chase may charge a fee — the amount varies, so check before you confirm the payment.
How long it takes for the payment to show up
Most Chase credit card payments posted online show up in your account within one business day. Business days are Monday through Friday, excluding federal holidays. A payment you make on a Friday afternoon might not show until Monday. A payment made on a holiday will not process until the next business day.
If you are paying close to your due date, do not wait until the last day. Make the payment at least two business days before your due date to be safe. If your payment does not show up after two business days, log back into your Chase account and check the payment status, or call the number on the back of your card.
Setting up automatic payments so you never miss a due date
Instead of paying manually each month, you can set up Chase to pull a payment from your bank account automatically on a date you choose. Log into your Chase account, go to the credit card you want to pay, and look for "Automatic Payments" or "Autopay." Select the amount you want to pay each month — you can choose the full statement balance, the minimum payment, or a fixed dollar amount.
Pick the date each month when you want the payment to come out. Chase will process it automatically on that date. You can change or cancel the automatic payment at any time by logging back into your account. This is useful if you want to make sure you never miss a payment, though you should still check your statement each month to catch any errors or fraud.
What to do if your payment does not go through
If you scheduled a payment and it did not post, log into your Chase account and check the payment status. Sometimes a payment will be marked as "Pending" for a day or two before it posts. If it shows as "Failed" or "Declined," the most common reasons are that your linked bank account does not have enough money, the account information is outdated, or there was a temporary problem with the bank's system.
If the payment failed because of insufficient funds, add money to your bank account and try again. If the account information is wrong, update it in your Chase profile. If you are not sure why it failed, call the number on the back of your credit card and speak to a representative — they can see what went wrong and help you resubmit the payment. Do not ignore a failed payment; your due date still counts, and a late payment can hurt your credit score.
Paying by phone or mail if you cannot pay online
If you do not have internet access or prefer not to pay online, you can pay Chase by phone. Call the number on the back of your credit card and follow the prompts to make a payment over the phone. You will need your bank account information ready. Phone payments are also processed within one business day.
You can also mail a check to the address listed on your statement. Write your account number on the check and mail it to the payment address shown in your bill. Mailed payments take longer — usually 7 to 10 business days to post — so send it at least two weeks before your due date. Paying by mail is slower and riskier than paying online because the check can get lost in the mail.
Frequently Asked Questions
Can I pay my Chase credit card with a credit card from another bank?
No. Chase only accepts payments from bank accounts (checking or savings) or debit cards. Paying a credit card with another credit card is not allowed by most card issuers, and Chase is no exception. You must use a bank account or debit card.
What happens if I pay more than I owe?
If you pay more than your current balance, the extra money becomes a credit on your account. You can use it toward future purchases, or you can request that Chase send you a refund check. The credit will sit on your account indefinitely if you do not use it.
Is there a limit to how much I can pay online?
Chase does not publish a specific limit, but most online payment systems have daily and monthly limits for security reasons. If you are trying to pay a very large amount, call the number on the back of your card to ask about limits, or split the payment into two separate transactions on different days.
Can I pay my Chase credit card using PayPal or Venmo?
No. PayPal and Venmo are not accepted payment methods for Chase credit cards. You must pay directly from your bank account, debit card, or by phone or mail. Trying to pay through a third-party app may result in a fee or a failed payment.
What if I want to pay before my statement closes?
You can pay any time, even before your statement closes. The payment will post to your account and reduce your balance. However, your statement balance is locked on a specific date each month, so paying before that date will not change the amount shown on your next bill — it will just lower your current balance and available credit.