The fastest way to pay Chase is through their website or mobile app, which takes minutes and posts the same day you submit it
Chase offers several ways to pay your bill, and the method you choose depends on how quickly you need the payment to post and whether you want to set it up once or repeat it monthly. The most common routes are the Chase website, the Chase Mobile app, or automatic payments from your bank account. You can also pay by phone or mail, though these take longer to process.
Your payment will post the same business day if you submit it before the cutoff time (usually 8 p.m. Eastern on business days). Payments submitted after that or on weekends post the next business day. This matters if you are close to your due date or your credit limit.
Key Takeaways
- Paying through the Chase website or app is free and posts the same business day if submitted before 8 p.m. Eastern.
- You can set up automatic payments from your bank account to pay a fixed amount, your statement balance, or your full balance each month.
- Paying by phone through Chase customer service is free but takes longer and requires you to speak with a representative.
- Mail payments take 7 to 10 business days to post, so send them at least two weeks before your due date to avoid a late fee.
- Chase does not charge a fee for any payment method, but your bank may charge a fee if you use a third-party payment service.
Paying through the Chase website or app
Log into your Chase account at chase.com or open the Chase Mobile app on your phone. Select your credit card account, then look for a "Pay" or "Make a Payment" button. Enter the amount you want to pay and confirm your payment method (usually a bank account you have already linked to your Chase account).
The payment posts when ready to your account, though it may take one to two business days for the money to leave your bank account. You will see a confirmation number on screen and can also view the payment history in your account under "Payment Activity" or "Transaction History".
If you have not linked a bank account yet, Chase will ask you to provide your routing number and account number. You can find these on a check or by logging into your bank's website. Chase verifies the account with two small deposits (usually under $1 each) that appear in your bank account within one to two business days. Once verified, you can pay when ready.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. In your Chase account, go to "Payments" or "Billing," then select "Automatic Payments" or "Autopay." Choose how much you want to pay each month: a fixed dollar amount, your statement balance, or your full balance (including any new charges since your statement closed).
Most people choose to pay their statement balance, which covers everything that appeared on their last bill and avoids interest charges if they pay in full. Paying your full balance each month is also an option if you want to avoid carrying a balance into the next month.
Set the payment date to any day between the 1st and the 28th of the month. Chase will deduct the payment from your linked bank account on that date each month. You can change or cancel automatic payments at any time through your account settings.
Paying by phone
Call the customer service number on the back of your Chase credit card. A representative will ask for your account number and the amount you want to pay, then confirm the bank account the payment will come from. The payment posts the next business day.
This method is free but requires you to speak with someone and takes longer than online payment. Use it only if you cannot access the website or app, or if you need to discuss your account with a representative at the same time.
Paying by mail
Write a check to Chase and mail it to the address shown on your statement under "Make Checks Payable To" or "Payment Address." Include your account number on the check. Mail payments take 7 to 10 business days to post, so send your payment at least two weeks before your due date to avoid a late fee.
Do not send cash by mail. If your check is lost or stolen, you have no protection. Always keep a record of the check number and amount for your own records.
What happens if you miss your due date
If your payment does not post by your due date, Chase will charge a late fee (usually $25 to $39 depending on your card and how late the payment is). Your interest rate may also increase, and the late payment will appear on your credit report after 30 days of being overdue.
If you realize you will miss your due date, contact Chase customer service when ready. Some representatives can waive a single late fee if you have a good payment history, though this is not may provide. Paying as soon as possible after you miss the date will prevent additional fees and further damage to your credit report.
Paying more than your minimum
Your Chase statement shows a minimum payment (usually 1 to 3 percent of your balance) and your full statement balance. Paying only the minimum means you will carry the rest of your balance into next month and pay interest on it. Paying your full statement balance avoids interest entirely.
You can pay any amount between the minimum and your full balance. Paying more than the minimum but less than your full balance reduces the interest you owe but does not eliminate it. If you are trying to pay down debt, paying your full balance each month is the fastest way to reduce what you owe.
Frequently Asked Questions
Can I pay my Chase card with a debit card or another credit card?
Chase does not accept debit cards or other credit cards as payment methods through their website or app. You must pay from a bank account (checking or savings). If you want to pay with a debit card, you would need to transfer money from your debit card to a bank account first, then pay from that account.
What if my payment posts after my due date?
If your payment posts after your due date, Chase will charge a late fee and may increase your interest rate. The late payment will also report to the credit bureaus after 30 days. Contact Chase when ready to ask if they will waive the fee based on your payment history.
How do I know if my payment went through?
After you submit a payment online or through the app, you will see a confirmation number on screen. You can also log back into your account and check your payment history or transaction activity. The payment should appear within one to two business days.
Can I pay my Chase card at an ATM or Chase branch?
You cannot pay your credit card at a Chase ATM. You can visit a Chase branch in person and ask a teller to process a payment, though this is slower than paying online. Bring your account number and the amount you want to pay, or a check.
What if I want to pay early before my statement closes?
You can pay your balance at any time, even before your statement closes. Paying early reduces the balance that appears on your next statement and lowers the interest you owe if you carry a balance. It does not hurt your credit score.