The fastest way to pay Chase online is through your Chase account login at chase.com or the Chase Mobile app
Log in with your username and password, select the card you want to pay, and choose "Pay Now" or "Schedule a Payment". You can pay the full balance, the minimum payment, or any amount in between. The payment posts to your account within one business day if you pay before the cutoff time (usually 8 p.m. ET on business days). If you miss the cutoff, it posts the next business day.
You do not need to set up anything in advance — if you have online access to your Chase account, you can pay when ready. Chase does not charge a fee for paying online through your own account.
Key Takeaways
- Payments made through chase.com or the Chase Mobile app before 8 p.m. ET on a business day post within one business day.
- You can pay your full balance, minimum payment, or any custom amount without setting up automatic payments first.
- Chase does not charge a fee for online payments made through your own account dashboard.
- If you want to pay from a different bank account, you can add it in the payment settings and verify it within one to two business days.
- Automatic payments can be set to recur monthly on a date you choose, but you must turn them on manually — they do not start by default.
Paying from a bank account that is not Chase
If your checking or savings account is at a different bank, you can link it to your Chase card and pay from there. Go to "Pay Now" in your Chase account, select "Add Bank Account", and enter your routing number and account number. Chase will send two small deposits to that account (usually within one to two business days) and ask you to confirm the amounts to verify you own the account.
Once verified, you can pay from that account when ready. The payment still posts within one business day if you submit it before the cutoff time. This method is useful if you want to pay directly from your main checking account rather than moving money to Chase first.
Setting up automatic monthly payments
Automatic payments let you set a payment to recur every month on a date you choose. In your Chase account, go to "Autopay" or "Automatic Payments" and select the card. You can choose to pay the full balance, the minimum payment, or a fixed dollar amount each month.
Automatic payments do not turn on by default — you must set them up manually. Once active, the payment will process on your chosen date each month. If that date falls on a weekend or holiday, Chase processes it on the next business day. You can change or cancel automatic payments at any time through your account settings.
Paying by phone or mail
If you prefer not to pay online, you can call Chase at the number on the back of your card and make a payment over the phone. A representative will ask for your card number and the amount you want to pay, and the payment posts the same day if you call before the cutoff time.
You can also mail a check or money order to the address printed on your monthly statement. Write your card number on the check and mail it to the payment address listed. Mailed payments typically take five to seven business days to post, so send it early if your payment is due soon.
What happens if you pay late or miss a payment
Chase considers a payment late if it is not received by 5 p.m. ET on the due date shown on your statement. If you miss the due date, Chase reports the late payment to credit bureaus after 30 days, which can lower your credit score. You will also owe a late fee (the amount varies but is typically $25 to $40 for the first late payment).
If you realize you will miss the due date, contact Chase before the date arrives. You may be able to request a one-time courtesy extension or set up an when ready payment over the phone. Paying as soon as you can after the due date still helps, but the late payment will remain on your credit report for seven years.
Payment timing and cutoff times
Chase processes online payments submitted before 8 p.m. ET on business days and posts them within one business day. Payments submitted after 8 p.m. ET or on weekends and holidays are processed the next business day. If your payment due date falls on a weekend or holiday, Chase extends the due date to the next business day without penalty.
To be safe, submit your payment at least two business days before your due date. This gives you a buffer in case of technical issues or if you miscalculate the posting time. You can check the exact due date on your monthly statement or in your online account.
Paying off your balance faster
If you want to pay down your balance quickly, you can make multiple payments throughout the month rather than waiting until the due date. Each payment posts within one business day, so you can reduce your balance and lower the interest you owe. This is especially useful if you carry a balance and want to pay less interest over time.
You can also make a large lump-sum payment whenever you have extra money — there is no limit on how many times you can pay or how much you can pay at once. Some people pay weekly or biweekly to match their paychecks, which helps them stay on track and avoid overspending.
Frequently Asked Questions
Does Chase charge a fee to pay online?
No. Chase does not charge a fee for paying through your online account or the mobile app. If you pay by phone, there is also no fee. The only time Chase charges a fee is if you pay late — that is a late fee, not a payment fee.
Can I pay my Chase card with a debit card?
You cannot pay your Chase credit card with another debit card directly through Chase's website. You can only pay from a bank account (checking or savings) or by phone. If you want to use a debit card, you would need to transfer money from that debit card to a bank account first, then pay from the bank account.
What if my payment does not post by the due date?
If you submitted the payment before the cutoff time on a business day and it did not post within one business day, contact Chase customer service. Provide the date and time you submitted the payment and the amount. Chase can investigate and may reverse any late fees if the delay was on their end.
Can I pay my Chase card from another bank's app?
Yes. Most banks allow you to pay bills from their app, including Chase credit cards. Log into your bank's app, set up Chase as a payee using the payment address on your statement, and send the payment. The payment will take three to five business days to reach Chase, so submit it early if your due date is soon.
What is the difference between "Pay Now" and "Schedule a Payment"?
"Pay Now" processes your payment when ready and it posts within one business day. "Schedule a Payment" lets you choose a future date for the payment to process — useful if you want to pay on payday or after a deposit clears. Both options are free and available through your Chase account.