Pay your Chase card online, by phone, by mail, or through automatic payments
Chase offers four main ways to pay your credit card balance: through your online account, by phone, by mail, or by setting up automatic payments from your bank. The fastest and most common method is online through Chase's website or mobile app — the payment posts the same day if you submit it before the cutoff time, usually around 8 p.m. Eastern. Phone and mail payments take longer to process, and automatic payments work best if you want to stop thinking about the bill altogether.
You will need your Chase card number and the amount you want to pay. If you are paying from a bank account, you will also need your routing number and account number. Chase does not charge a fee for any of these payment methods.
Key Takeaways
- Online payments through Chase's website or app post the same day if submitted before the evening cutoff, making it the fastest option.
- Phone payments take one business day to post and require you to speak with a representative or use an automated system.
- Mail payments take 7 to 10 business days to arrive and post, so send them well before your due date to avoid late fees.
- Automatic payments from your bank account eliminate the need to remember your due date and can be set to pay your full balance or a fixed amount.
- Chase charges no fee for any payment method, whether you pay in full or make a partial payment.
Pay online through your Chase account
Log into your Chase account at chase.com or through the Chase mobile app. From your card's main page, look for a "Pay" button or link — it is usually near the top of the screen. Click it and you will see your current balance, minimum payment due, and due date.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose the bank account you want to pay from — if this is your first payment, you will need to add your bank's routing number and your account number. Chase will verify the account with two small deposits, which takes one to two business days. After that, you can pay when ready.
Review the payment details and submit. The payment posts the same day if you submit before the cutoff time, which is usually around 8 p.m. Eastern time. If you submit after the cutoff, it will post the next business day. You will receive a confirmation number on screen and by email.
Pay by phone
Call the number on the back of your Chase card. You can speak with a representative or use the automated phone system. Have your card number and the amount you want to pay ready.
If you use the automated system, follow the prompts to enter your card number and payment amount. The system will ask you to confirm the bank account you want to pay from. If this is your first phone payment, you may need to speak with a representative to add your account information.
Phone payments take one business day to post. You will receive a confirmation number during the call. Keep it for your records.
Pay by mail
Write a check or money order for the amount you want to pay. On the check, write your Chase card number in the memo line so the payment is credited to the right account. Include a payment stub from your most recent statement if you have one — it has your account number printed on it and makes processing faster.
Mail your payment to the address shown on your statement. Do not mail it to a Chase branch or office — use only the address listed on your bill. Mail payments take 7 to 10 business days to arrive and post, so send your payment at least two weeks before your due date to avoid a late fee.
Keep a copy of your check or a photo of it for your records. You will not receive a confirmation number for mail payments, but you can log into your account a few days after you expect it to arrive and confirm the payment posted.
Set up automatic payments
Automatic payments deduct money from your bank account on a date you choose each month. This is useful if you want to stop thinking about your credit card bill. Log into your Chase account, go to the "Pay" section, and look for "Automatic Payments" or "Recurring Payments."
Choose the bank account you want to pay from and the date you want the payment to come out each month. You can set it to pay your full statement balance, your minimum payment, or a fixed amount. If you choose to pay your full balance, Chase will deduct whatever your balance is on that date — useful if your balance changes month to month.
You can change or cancel automatic payments anytime through your account. If you cancel, you will need to make manual payments going forward. Automatic payments post on the date you choose, so pick a date after you expect to receive your paycheck or income.
What to do if you miss a payment
If your payment does not arrive by the due date, Chase will charge a late fee. The fee amount depends on your card and your account history — it is usually between $25 and $40 for the first late payment. Your interest rate may also increase if you are late.
If you realize you will miss the due date, call Chase when ready. Explain your situation — sometimes a representative can waive a single late fee or give you a few extra days. This works best if you have a good payment history and this is your first late payment.
If you have already been charged a late fee, you can ask Chase to remove it. Call the number on your statement and ask to speak with a supervisor. Be honest about what happened. Chase may reverse one late fee per year if you have been a customer for a while and have not missed payments before.
Payment timing and posting dates
The day your payment posts affects when it shows up on your account and when it counts toward your due date. Online payments post the same day if submitted before the cutoff, usually 8 p.m. Eastern. Phone payments post one business day after you make them. Mail payments take 7 to 10 business days.
Your due date is the last day to pay without a late fee. If your due date falls on a weekend or holiday, Chase extends it to the next business day. Always pay by the due date shown on your statement, not the date you submit the payment — a payment submitted on the due date may not post in time.
If you are paying off a large balance, consider making multiple payments throughout the month instead of one big payment on the due date. This lowers your average balance and can reduce the interest you pay.
Frequently Asked Questions
Does Chase charge a fee to pay my card?
No. Chase does not charge a fee for online, phone, mail, or automatic payments. Any payment method is free. Some third-party payment services may charge a fee, but paying directly through Chase costs nothing.
Can I pay my Chase card with a debit card or another credit card?
No. Chase only accepts payments from a bank account (checking or savings), check, or money order. You cannot pay with a debit card, another credit card, or a prepaid card. Paying a credit card with another credit card counts as a cash advance and triggers fees and higher interest rates.
What time does Chase stop taking online payments?
The cutoff is usually around 8 p.m. Eastern time, but it can vary by a few minutes. If you submit an online payment after the cutoff, it will post the next business day instead of the same day. To be safe, submit online payments by 7 p.m. Eastern if you need them to post the same day.
How do I know if my payment went through?
You will receive a confirmation number on screen for online and phone payments. Check your email for a confirmation message from Chase. Log into your account a few hours later and look at your recent transactions — the payment should show as "pending" and then "posted" within a day or two.
Can I pay someone else's Chase card?
Yes, if you have their permission and their card number. You can make a one-time payment online or by phone using their account number. For ongoing payments, you would need to set up automatic payments, which requires their bank account information. It is simpler to ask them to set up automatic payments themselves.