Where to pay your Bank of America credit card bill
You can pay your Bank of America credit card through their website, mobile app, by phone, or by mail. The fastest route is the website or app — both let you make a payment in minutes without talking to anyone. If you prefer to speak with someone, you can call the number on the back of your card.
Bank of America does not charge a fee for payments made through their own channels. If you use a third-party payment service or pay through your bank's bill pay system, check whether that service charges a fee — Bank of America does not, but the intermediary might.
Key Takeaways
- Online and mobile app payments post the same day if made before the cutoff time, usually around 8 p.m. Eastern.
- Phone payments take the same day to post if you call before the cutoff; mailed checks typically take 5 to 7 business days.
- Your due date is printed on your statement, and paying after that date triggers a late fee even if the payment posts within days.
- Setting up automatic payments through the Bank of America website removes the risk of missing a due date.
- If you cannot pay the full balance, paying at least the minimum due by the due date stops a late fee, though interest still accrues on the unpaid balance.
Paying online or through the mobile app
Log into your Bank of America account on their website or open the mobile app, then navigate to your credit card account. Select "Make a Payment" or "Pay Now" — the exact wording varies slightly between the website and app. Enter the amount you want to pay and confirm the payment method (usually your linked checking account).
Payments made before the daily cutoff time, typically around 8 p.m. Eastern, post the same business day. If you pay after the cutoff or on a weekend, the payment posts the next business day. You will see the payment reflected in your available credit when ready, though the official posting may take a few hours.
Paying by phone
Call the number on the back of your credit card to reach Bank of America's automated payment line. You will need your card number and the account you want to pay from (usually a checking account). The system will ask how much you want to pay and confirm the payment method.
Phone payments made before the cutoff time post the same day. If you call after hours or on a weekend, the payment is processed the next business day. You do not need to speak to a representative unless you have a question the automated system cannot handle.
Paying by mail
Write a check to Bank of America and mail it to the address printed on your statement. Include your account number on the check. Mail typically takes 5 to 7 business days to arrive, so send your payment at least a week before your due date to avoid a late fee.
Bank of America processes mailed payments in the order they arrive, so the exact posting date depends on mail delivery and their processing schedule. If you are cutting it close to your due date, do not rely on mail — use online or phone payment instead.
Setting up automatic payments
You can set up automatic payments through the Bank of America website to pay a fixed amount on a date you choose each month. This removes the risk of forgetting a due date. You can set it to pay the full statement balance, the minimum due, or a specific dollar amount.
To set up automatic payments, log into your account, go to your credit card, and look for "Manage Automatic Payments" or "Autopay." Select the amount and due date, then confirm. You can change or cancel the automatic payment anytime through the same menu.
What happens if you miss the due date
If your payment does not post by the due date printed on your statement, Bank of America charges a late fee. The fee amount depends on your card type and account history — check your card agreement for the specific amount. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss the due date, call Bank of America before the due date passes. Some situations allow them to waive a single late fee as a courtesy, though they are not required to do so. Paying at least the minimum due stops additional fees from accruing, even if you cannot pay the full balance.
Understanding your statement and due date
Your credit card statement shows your statement balance (what you owe for purchases made during the billing period), your minimum payment due, and your due date. The due date is always the same day each month — for example, the 15th or the 25th. You must pay by this date to avoid a late fee.
The statement balance is different from your current balance. Your statement balance is locked on the day your billing period ends, while your current balance includes any purchases or payments made after that date. When you pay, you can pay the full statement balance, the minimum due, or any amount in between.
Frequently Asked Questions
How long does it take for a Bank of America credit card payment to post?
Payments made online or by phone before the daily cutoff (usually around 8 p.m. Eastern) post the same business day. Mailed checks take 5 to 7 business days. Weekend and holiday payments post the next business day.
Can I pay my Bank of America credit card from another bank?
Yes. You can use your bank's bill pay system to send a check to Bank of America, or you can pay through Bank of America's website using an external bank account. External bank transfers may take longer to post than payments from a linked Bank of America account.
What is the minimum payment, and what happens if I only pay that?
The minimum payment is printed on your statement and is usually 1 to 3 percent of your balance. Paying only the minimum stops a late fee and keeps your account in good standing, but interest continues to accrue on the unpaid balance, and you pay more interest overall.
Can I change my due date?
Yes. Log into your Bank of America account, go to your credit card settings, and look for "Change Due Date" or "Manage Account." You can move your due date to any day of the month. The change usually takes effect on your next statement.
What should I do if I cannot pay by the due date?
Call Bank of America before the due date to discuss your options. You may be able to request a due date change, set up a payment plan, or ask about hardship programs. Paying something before the due date is better than paying nothing, as it reduces the balance that accrues interest.