How to pay your Chase Visa card
You can pay your Chase Visa bill online through Chase.com, by phone at 1-800-935-9935, by mail, or through automatic payments set up in your account. The fastest method is online through your Chase account dashboard, where you can make a one-time payment or schedule a future payment in minutes. If you pay by phone, a representative will walk you through the amount and confirm your payment method. Mail payments take 7 to 10 business days to reach Chase, so send them well before your due date to avoid late fees.
Chase also offers autopay, which automatically deducts a payment from your bank account on a date you choose each month. You can set autopay to pay your full statement balance, a fixed amount, or just the minimum payment. This removes the risk of forgetting a payment important date.
Key Takeaways
- Online payment through Chase.com or the Chase mobile app processes the same day and is the fastest option.
- Phone payments at 1-800-935-9935 work during business hours and require you to have your card and bank account information ready.
- Mail payments take 7 to 10 business days, so you must send them at least two weeks before your due date to avoid a late fee.
- Autopay removes the need to remember your due date and can be set to pay your full balance, a fixed amount, or the minimum.
- Your payment due date appears on your statement and in your online account; paying after that date triggers a late fee and may affect your credit score.
Paying online through Chase.com or the mobile app
Log into your Chase account on Chase.com or open the Chase mobile app, then select your Visa card from your accounts list. Click "Make a Payment" or the payment option in your card menu. Enter the amount you want to pay and choose the payment date — you can pay today or schedule a payment for a future date up to 15 days out. Select the bank account you want the payment to come from, review the details, and confirm.
Online payments post to your account the same business day if you pay before 8 p.m. Eastern Time on a weekday. Payments made after 8 p.m. or on weekends post the next business day. You will see the payment reflected in your available credit when ready, though it may take one to two business days to show as "posted" on your statement.
Setting up automatic payments (autopay)
To set up autopay, log into your Chase account, go to your card settings, and select "Autopay." Choose the payment amount — full statement balance, a fixed dollar amount, or minimum payment — and pick the day of the month you want the payment to come out. Chase will automatically deduct that amount from your bank account on that date each month.
If you set autopay to pay your full statement balance, Chase will wait until your statement closes to calculate the exact amount, then deduct it a few days later. This means you pay no interest on purchases if you pay the full balance. You can change or cancel autopay at any time through your account settings, and you can make additional one-time payments on top of your autopay amount.
Paying by phone
Call Chase at 1-800-935-9935 to pay by phone. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want the payment to come from. Have this information ready before you call. Phone payments process the same day if you call before 8 p.m. Eastern Time on a weekday.
Paying by phone is useful if you have questions about your account or need to discuss your payment options, but it takes longer than paying online. You can also call to confirm that a payment you mailed has arrived or to ask about a payment you already made online.
Paying by mail
Write a check or money order payable to Chase, include your account number on the check, and mail it to the address printed on your statement. Do not send cash. Mail payments take 7 to 10 business days to reach Chase after you send them, so you must mail your payment at least two weeks before your due date to avoid a late fee.
Include your statement with your payment if possible so Chase can match the payment to your account quickly. If you lose the payment address, call 1-800-935-9935 or check your statement — the mailing address is always printed there. Keep a record of when you mailed the payment in case you need to follow up.
Understanding your due date and late fees
Your payment due date is printed on your statement and shown in your online account. Chase considers a payment late if it arrives after 5 p.m. Eastern Time on the due date. A late payment triggers a late fee (the amount varies by your card terms) and may be reported to credit bureaus, which can lower your credit score.
If you miss your due date, pay as soon as you can. One late payment will not destroy your credit, but multiple late payments will. If you are struggling to make your payment, call Chase to discuss options — they may be able to work with you on timing or temporarily lower your interest rate.
What to do if your payment doesn't go through
If you made an online or phone payment and it did not post to your account within two business days, log into your account and check the payment status. Chase shows pending payments in your account history. If the payment shows as pending, it will post within one to two business days. If it shows as failed, you will see a reason — usually an incorrect bank account number or insufficient funds.
If a payment failed, make another payment right away using a different payment method or bank account. Do not wait — if your due date passes without a successful payment, you will be charged a late fee. If you are unsure whether a payment went through, call 1-800-935-9935 to confirm before your due date.
Frequently Asked Questions
Can I pay my Chase Visa card with a different bank account than the one I used to open the card?
Yes. When you make a payment online or by phone, you can choose any bank account or debit card you have access to. The account does not have to be the same one you linked when you opened the card. Just make sure the account is in your name or you are authorized to use it.
What happens if I pay more than my full balance?
The extra amount becomes a credit on your account. Chase will explore it to your next statement, or you can request a refund. Paying extra does not hurt you — it just reduces what you owe next month.
Can I pay my Chase Visa card from another bank's app or website?
Yes, if your bank offers bill pay. Set up Chase as a payee in your bank's bill pay system, and your bank will mail a check to Chase on your behalf. This takes 7 to 10 business days, so schedule it well before your due date. Confirm the mailing address with your bank to make sure it matches the address on your Chase statement.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum and your full balance. The minimum is shown on your statement, but paying only the minimum means you will pay interest on the remaining balance. Paying your full balance avoids interest charges.
What if I need to make a payment after business hours?
Online payments through Chase.com or the mobile app are available 24/7. Payments made after 8 p.m. Eastern Time or on weekends will post the next business day. Phone payments are only available during business hours, which are typically 8 a.m. to 8 p.m. Eastern Time, Monday through Friday.