Where to send your BP credit card payment
BP credit cards are issued by Synchrony Bank, not by BP itself. This means your payment goes to Synchrony, not to a BP gas station or BP office. The payment address and methods available depend on which BP card you hold — the BP Rewards card, the BP Plus card, or an older BP card no longer offered to new customers.
You can find your specific payment address on your monthly statement, on the back of your card, or by logging into your online account at synchronybank.com. The statement will also show a due date, usually 21 to 25 days after the closing date of your billing cycle. Paying by the due date avoids a late fee and keeps your account in good standing.
Key Takeaways
- BP credit cards are managed by Synchrony Bank, so you send payments to Synchrony, not to BP.
- Your payment address appears on your monthly statement and on the back of your card.
- You can pay online through your Synchrony account, by phone, by mail, or in some cases at a BP station.
- Payments made online or by phone typically post within one business day; mailed checks take 7 to 10 days.
- Setting up automatic payments through your bank account prevents missed due dates and late fees.
Online and phone payment methods
The fastest way to pay is through your Synchrony online account. Go to synchronybank.com, sign in with your username and password, and select the option to make a payment. You can pay from a checking or savings account, and the payment posts the same day if you submit it before the cutoff time (usually 8 p.m. Eastern). You can also schedule a payment for a future date if you want to time it with your paycheck.
If you prefer to pay by phone, call the number on the back of your card. A representative will ask for your account number and the amount you want to pay, then guide you through payment from your bank account. This method also posts the same day for calls made before the cutoff. Some older BP cards may allow you to pay directly at a BP station using a PIN or card reader, but this is less common with newer Synchrony-issued cards — check your statement or call to confirm whether this option is available for your account.
Mailed check payments
If you prefer to mail a check, write it to Synchrony Bank and include your account number on the check itself. Use the payment address from your statement, as it may differ from the customer service address. Mail your check at least 10 days before your due date to account for postal delays. Checks typically take 7 to 10 business days to post, so a payment that arrives on time may not show on your account for up to two weeks after you mail it.
Do not mail cash. If your check is lost or delayed, you will have no proof of payment. Keep a copy of the check or a photo of the front and back for your records. If your payment does not post within two weeks of mailing, call Synchrony to confirm receipt.
Automatic payments and payment scheduling
Setting up automatic payments is the most reliable way to avoid late fees. Through your Synchrony account, you can arrange for a fixed amount or your full statement balance to be withdrawn from your bank account on a date you choose each month. You can change or cancel the automatic payment at any time, and Synchrony will send you a confirmation email when the payment is processed.
Alternatively, you can set up a recurring payment through your own bank's bill pay system. Log into your bank's website or app, add Synchrony Bank as a payee, and schedule a payment for your BP card account number. This method gives you a record in your bank's system and does not require you to log into Synchrony each time. Both methods post within one business day and are free.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony will charge a late fee. The amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A payment that is 30 days late will also appear on your credit report and may lower your credit score. If you miss a payment, contact Synchrony as soon as possible — sometimes they will waive a single late fee if you have a good payment history and pay when ready.
If you are unable to pay the full balance, paying at least the minimum amount due by the due date will prevent a late fee and keep your account current. You will still owe interest on the remaining balance, but your credit report will show an on-time payment. If you are facing hardship, call Synchrony to ask about hardship programs or payment plans.
Tracking your payment and account balance
After you make a payment, log back into your Synchrony account to confirm it has posted. Online and phone payments usually show within a few hours; mailed checks take longer. Your account will display your current balance, available credit, and next due date. If you set up automatic payments, Synchrony will send you an email confirmation each month when the payment is processed.
Keep your login information find and update your email address in your account settings so you receive payment confirmations and billing statements. If you do not receive a statement or confirmation email, contact Synchrony to verify your contact information is correct. Staying on top of your account balance helps you catch errors and plan for large purchases.
Frequently Asked Questions
Can I pay my BP credit card at a gas station?
Some older BP card programs allowed in-station payments, but most Synchrony-issued BP cards do not. Check your statement or call the number on the back of your card to confirm. If your card does not support station payments, you can only pay online, by phone, or by mail.
What time does my online payment need to be submitted to post the same day?
Payments submitted before 8 p.m. Eastern time typically post the same business day. Payments submitted after that cutoff or on weekends and holidays will post the next business day. Synchrony's website will show the expected posting date when you review your payment before submitting it.
Is there a fee to pay my BP credit card online or by phone?
No. Synchrony does not charge a fee for online or phone payments made from your bank account. Some payment methods, such as paying with a debit card or wire transfer, may carry fees — Synchrony will disclose any fee before you complete the payment.
What should I do if my mailed check has not posted after two weeks?
Call Synchrony at the number on the back of your card and provide the check number, amount, and date you mailed it. They can search their records to see if the check arrived. If it is lost, you may need to stop payment on the original check and submit a new payment to avoid a late fee.
Can I set up automatic payments for just part of my balance?
Yes. When you set up automatic payments through your Synchrony account, you can choose to pay a fixed dollar amount each month, your minimum payment, or your full statement balance. You can change this amount or cancel the automatic payment at any time through your account settings.