Where to log in and what you need
Chase credit card payments go through Chase.com or the Chase Mobile app. You will need your card number and online banking password to log in — the same credentials you use for any Chase bank account. If you do not have a Chase online account yet, you can create one at Chase.com by entering your card number and Social Security number.
Once you are logged in, your payment option appears under "Pay" or "Payments" in the main menu. The exact wording shifts between the website and the app, but both routes lead to the same payment screen. You do not need to call Chase or visit a branch to make a payment — the online method is the standard way most cardholders pay.
Key Takeaways
- Log in at Chase.com or use the Chase Mobile app with your card number and online banking password.
- Payments made online typically post within one business day, though Chase counts the payment date as the day you submit it, not the day it arrives.
- You can set up automatic payments from a bank account so you never miss a due date.
- If you cannot remember your password, use the "Forgot Password" link on the login page to reset it by email or text.
Steps to make a one-time payment
After logging in, select the card you want to pay. Chase will show your current balance, minimum payment due, and the due date. Choose "Pay Now" or "Make a Payment" — again, the exact button name varies between website and app.
Enter the amount you want to pay. You can pay the full balance, the minimum, or any amount in between. Then choose where the money comes from: a linked bank account, another Chase account, or a debit card. Review the payment amount and the account it will be drawn from, then confirm. Chase will show you a confirmation number when ready and send a receipt to your email.
The payment posts to your account the next business day in most cases. Chase counts the payment as received on the day you submit it online, even if it takes a day to process. This matters if you are close to your due date — submitting online before midnight counts as on-time payment, even if the money does not leave your bank account until the next morning.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting a due date. In your Chase account, go to "Payments" and look for "Autopay" or "Automatic Payments." Choose the card, then select a bank account to draw from. You can set the payment to go out on a specific day each month — most people choose the day after they get paid or the day before the due date.
You have three options for the payment amount: the full statement balance, the minimum payment, or a fixed dollar amount you choose. Most cardholders pick either the full balance (so the card stays at zero) or the minimum (if they are paying down debt slowly). Once autopay is set, Chase will pull that amount automatically every month on the date you selected.
You can change or cancel autopay anytime by logging back in and editing the payment settings. If you know you will not have money in your bank account on autopay day, turn it off before that date — Chase will not reverse an automatic payment that overdrafts your account, though your bank may charge you an overdraft fee.
What to do if you forgot your password
On the Chase login page, click "Forgot Password" or "Forgot User ID." Chase will ask for your card number and Social Security number to verify your identity. You can then reset your password by email or text message — Chase sends a link that works for 24 hours.
If you do not receive the reset email or text within a few minutes, check your spam folder or confirm that Chase has the correct phone number or email on file. You can update your contact information by calling Chase customer service at the number on the back of your card, or by logging in with a different Chase account if you have one.
Payment timing and when money actually leaves your account
Chase processes online payments submitted before 8 p.m. Eastern Time on a business day as same-day submissions. Payments submitted after 8 p.m. or on weekends and holidays are processed the next business day. The money typically leaves your bank account within one business day after Chase processes the payment.
If you are paying from a non-Chase bank account, the transfer can take one to three business days depending on your bank's processing speed. Chase counts the payment as received on the day you submit it online, not the day the money arrives, so you are protected against late fees as long as you submit before your due date. If you are cutting it close to the due date, use a bank account at the same bank as Chase (or another Chase account) to speed up the transfer.
Paying by phone or mail if you cannot use online banking
If you do not have internet access or prefer not to log in online, you can pay by phone. Call the number on the back of your card and follow the automated system to make a payment. You will need your card number and the bank account or debit card you want to pay from. Phone payments are free and post the same way as online payments.
You can also mail a check to the address shown on your statement. Write your card number on the check and mail it to the payment address listed on your bill. Mailed payments take five to seven business days to arrive and post, so send them at least a week before your due date to avoid a late payment. Mailing a check costs the price of a stamp and is slower than online or phone payment, but it is an option if neither of those works for you.
Frequently Asked Questions
Can I pay my Chase credit card from a bank account at a different bank?
Yes. During payment setup, choose "Bank Account" as your payment method and enter the routing number and account number from your other bank. The transfer takes one to three business days. Chase counts the payment as received on the day you submit it, so you are protected against late fees even if the money has not arrived yet.
What happens if I set up autopay but do not have enough money in my bank account?
Chase will attempt the automatic payment on the scheduled day. If your bank account does not have enough money, the payment will fail and Chase will not charge your card. You will then owe the payment, and Chase may charge a late fee if the payment is not made by the due date. Your bank may also charge you an overdraft fee for the failed attempt.
Do I need a Chase bank account to pay my Chase credit card online?
No. You can pay from any bank account or debit card. You only need to create a Chase online account using your credit card number and Social Security number. Once that account exists, you can link any outside bank account or debit card to it for payments.
Is there a fee to pay my Chase credit card online?
No. Chase does not charge a fee for online or phone payments. Mailed checks are free too — you only pay for the stamp. Some third-party payment services charge fees, but the official Chase website and app do not.
How do I know if my payment went through?
Chase shows a confirmation number on the screen when ready after you submit a payment. You will also receive an email receipt within a few minutes. Log back into your account anytime to see your payment history and current balance — the payment will show as "pending" for one business day, then as "posted" once it is complete.