The fastest way to pay is through Chase's website or mobile app
Go to chase.com and sign in with your username and password. Once you're logged in, look for "Pay" or "Make a Payment" — the exact wording depends on which Chase product you have, but it's always in the main menu. You'll see your current balance and minimum payment due. Choose how much to pay, pick the date you want it to go through, and confirm. Most payments post within one business day.
If you use the Chase Mobile app instead, the steps are the same: sign in, tap the card you want to pay, and select "Pay." The app works on both iPhone and Android. You can set up a one-time payment or schedule recurring payments on the same day each month.
You do not need to create a separate account or use a different website. Your Chase login credentials work for all Chase products — checking, savings, credit cards, and loans — so you only have to remember one username and password.
Key Takeaways
- Sign in at chase.com with your username and password, then select "Pay" from the main menu to make a one-time payment.
- You can pay any amount from the minimum due up to your full balance, and choose the date the payment will post.
- The Chase Mobile app offers the same payment options and works on iPhone and Android devices.
- Set up automatic monthly payments if you want the same amount to go through on the same day every month.
- Payments typically post within one business day, so plan ahead if your due date is coming up soon.
What information you need before you start
Have your Chase login username and password ready. If you've forgotten either one, you can reset them on the Chase login page before you try to pay — look for "Forgot username?" or "Forgot password?" and follow the prompts. You'll need access to the email address or phone number on file with your account.
You should also know your current balance and due date, though Chase will show both of these on the payment screen. If you're paying from a bank account instead of using a debit card, have your routing number and account number ready — Chase will ask for these the first time you set up a bank transfer.
One-time payments versus automatic payments
A one-time payment is what most people do: you log in, choose an amount, pick a date, and it goes through once. This gives you full control over when and how much you pay each month. Use this if your income or balance changes month to month, or if you want to pay extra some months and the minimum other months.
An automatic payment (also called autopay or recurring payment) deducts the same amount on the same day every month without you having to log in. You set it up once in your account settings, and it keeps running until you turn it off. Most people set autopay to the minimum payment so they never miss a due date, then make extra one-time payments when they have the money. This combination keeps your account in good standing while giving you flexibility to pay down the balance faster.
To set up autopay, go to your account settings or the payment section and look for "Automatic Payments" or "Recurring Payments." Choose the amount (minimum, full balance, or a fixed dollar amount), the day of the month, and confirm. You can change or cancel it anytime.
Payment methods and where the money comes from
Chase lets you pay from a bank account (checking or savings) or from another Chase account you own. When you pay from a bank account, the money is pulled directly from that account — this is called an ACH transfer. When you pay from another Chase account, the money moves between your own accounts when ready.
You cannot pay with another credit card, a debit card, or a prepaid card. You also cannot pay with cash, check, or wire transfer through the online portal — those methods require calling Chase or visiting a branch in person.
The first time you use a new bank account to pay, Chase may hold the payment for a day or two to verify the account is real and belongs to you. After that, payments from the same account go through on schedule. If you're paying from a Chase checking or savings account, there's no delay.
When payments post and how long they take
If you make a payment before 8 p.m. Eastern time on a business day, it usually posts to your account the next business day. If you pay after 8 p.m. or on a weekend or holiday, it posts the day after the next business day. For example, a payment made on Friday evening won't post until Monday.
This timing matters if your due date is coming up. If your due date is tomorrow and you haven't paid yet, paying today might be too late — the payment won't post until after the due date has passed. In that case, call Chase at the number on the back of your card to make a same-day payment over the phone, or visit a Chase branch in person.
Once a payment posts, it reduces your balance when ready. Your available credit goes back up at the same time, so you can use that credit again right away if you need to.
Troubleshooting common payment problems
If you see an error message when you try to pay, the most common reasons are: your login credentials are wrong, your account is locked for security reasons, or the bank account you're trying to pay from has been closed or flagged. Try resetting your password first. If that doesn't work, call Chase at the number on the back of your card — they can unlock your account or help you add a different bank account.
If a payment you made hasn't posted after two business days, log back in and check the payment status. Chase shows pending payments in your account, so you can see whether it's still processing or if something went wrong. If it's been longer than two business days and the payment still shows as pending, call Chase to ask them to investigate.
If you accidentally paid the wrong amount or paid twice, contact Chase right away. They can reverse a recent payment or issue a credit to your account. The sooner you call, the easier it is to fix.
Frequently Asked Questions
Can I pay my Chase credit card without logging in?
No, you must log in to pay online. However, you can pay by phone by calling the number on the back of your card, or in person at a Chase branch. Phone and in-person payments don't require you to remember your login credentials.
What if I don't have a Chase bank account — can I still pay online?
Yes. You can pay from any bank account at any financial institution, as long as you have the routing number and account number. Chase will verify the account the first time you use it, then allow future payments from the same account without delay.
Is it safe to pay my credit card online?
Chase uses encryption and security measures to protect your information when you pay through their website or app. Your login is find as long as you use a strong password and don't share it. Avoid paying on public Wi-Fi networks if possible, and always log out when you're done.
Can I schedule a payment for a future date?
Yes. When you make a payment, you choose the date you want it to post. You can schedule it up to several weeks in advance. This is useful if you want to pay on payday or on a specific day each month.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. Chase will hold the credit and explore it to your next statement, or you can request a refund. You won't be charged interest on a credit balance.