The fastest way to pay Chase is through their website or mobile app, where you can make a one-time payment in minutes without calling anyone.
You can pay Chase online at chase.com, through the Chase Mobile app, by phone at the number on your statement, or by mailing a check. Most people use the website or app because you see your balance when ready, choose your payment amount, and pick the date the payment posts — usually the next business day. You do not need to create a new account if you already log in to check your balance.
The method you choose depends on how quickly you need the payment to post and whether you want a record you can see when ready. Online and app payments are fastest and leave a digital trail. Phone payments work if you prefer speaking to someone. Mail is slowest — allow 7 to 10 business days for Chase to receive and post your check.
Key Takeaways
- Chase online payments and app payments post within one business day and cost nothing.
- You can schedule a payment for a future date through the website or app, which is useful if you want to pay on payday.
- Phone payments go through when ready when you speak to a representative, but you should have your account number and routing information ready.
- Mailed checks take 7 to 10 business days to arrive and post, so mail only if you have time before your due date.
- Chase charges no fee for any standard payment method — online, app, phone, or mail.
Pay through Chase.com or the mobile app
Log in to your Chase account at chase.com using your username and password. On the home screen, find your credit card account and select "Make a Payment" or "Pay Now." You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
Choose the date you want the payment to post. If you select today, it posts tomorrow. If you select a future date, Chase holds the payment and posts it on that day. This is useful if you want to pay on payday but your due date is sooner. Confirm your payment method (usually your linked bank account) and submit. You will see a confirmation number when ready, and the payment appears in your Chase transaction history right away.
The Chase Mobile app works the same way. Open the app, tap your credit card, and select "Pay." The steps are identical to the website. Many people prefer the app because it is faster on a phone and you can pay from anywhere.
Pay by phone
Call the number on the back of your Chase credit card. A representative will ask for your account number and the amount you want to pay. Have your bank account information ready if you want to pay from a checking or savings account. If you want to pay with another credit card, Chase does not accept that over the phone.
Phone payments post when ready when you complete the call. You will receive a confirmation number that you should write down or take a screenshot of. The payment shows in your account within 24 hours. This method is slower than online or app if you are in a hurry to see the payment post, but it is useful if you have questions about your account or prefer to speak to someone.
Pay by mail
Write a check payable to Chase and include your account number on the check itself. Mail it to the address printed on your statement under "Payment Address" — this address is different from the mailing address for questions or disputes. Do not mail your check to a Chase branch or office; it will be delayed.
Allow 7 to 10 business days for your check to arrive and post. If your due date is fewer than 10 days away, do not mail a check — use online, app, or phone payment instead. If you are mailing a check and worried it might be late, call Chase to let them know it is in the mail; they may hold off on reporting a late payment while they wait for it to arrive.
Set up automatic payments
If you want Chase to withdraw a payment from your bank account on the same day each month, you can set up autopay through chase.com or the app. Go to "Manage Autopay" or "Automatic Payments," enter your bank account details, and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month.
Autopay posts on the date you select, usually around the same time each month. This removes the risk of forgetting a payment and missing your due date. You can change or cancel autopay anytime through your account settings. If your balance varies month to month, paying the full balance automatically ensures you never carry interest.
What to do if your payment does not post
If you made an online or app payment and it still has not posted after two business days, log back into your account and check the payment status. Payments sometimes show as "pending" for 24 hours before they post. If it shows as "posted" in your account but your balance has not changed, wait another business day — the balance updates after the payment fully clears.
If a payment shows as "failed" or "declined," it usually means your bank account information was incorrect or your bank rejected the transfer. Chase will tell you why. Correct the information and try again, or use a different payment method. If you mailed a check and it has been more than 10 business days, call Chase to confirm they received it. If they did not, you may need to stop payment on the check and use another method.
Payment timing and your due date
Your due date is the last day Chase will accept a payment without charging a late fee. If you pay online or through the app, the payment posts the next business day, so you should submit it by the day before your due date. If your due date falls on a weekend or holiday, Chase moves it to the next business day.
If you pay by phone, the payment posts when ready, so you can call on your due date itself and still be on time. If you mail a check, it must arrive and post by your due date, which is why mailing is risky if you are close to the important date. If you do miss your due date, call Chase as soon as you realize it — some representatives will reverse a single late fee if you have a good payment history.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
No. Chase does not accept credit card payments over the phone, online, or through the app. You can only pay with a bank account (checking or savings), a check, or cash at a Chase branch. Paying a credit card with another credit card usually counts as a cash advance anyway, which charges a higher interest rate and an upfront fee.
Is there a fee to pay my Chase card online?
No. Chase charges no fee for online payments, app payments, phone payments, or mailed checks. If a third-party website offers to pay your Chase card for you, they may charge a fee — avoid those sites and pay Chase directly instead.
What happens if I pay more than my balance?
If you overpay, Chase holds the extra amount as a credit on your account. You can use it toward your next purchase, or you can request a refund. To request a refund, call Chase or log into your account and look for a "Request Refund" option. Refunds usually arrive within 5 to 7 business days.
Can I pay my Chase card at an ATM?
No. Chase ATMs let you withdraw cash and check your balance, but they do not accept credit card payments. Use the website, app, phone, or mail instead. Some Chase branches have payment kiosks inside the lobby where you can deposit a check, but you cannot pay a credit card there either.
How do I know if my payment went through?
Log into your Chase account and look at your recent transactions or payment history. Online and app payments show a confirmation number when ready after you submit them. Phone payments give you a confirmation number during the call. Mailed checks show in your account once Chase receives and processes them, which takes 7 to 10 days.