The basics of paying your Chase card
You can pay your Chase credit card balance through Chase's website, mobile app, by phone, or by mail. Most cardholders use the website or app because you can see your balance, choose how much to pay, and confirm the payment went through in minutes. Chase does not charge a fee to pay your bill through any of these channels.
Your payment due date appears on your monthly statement and on your Chase account dashboard. Paying by the due date keeps you from being charged a late fee. If you pay less than the full balance, Chase charges interest on what remains — the interest rate depends on your card and your creditworthiness, and it compounds daily.
The payment must clear by 5 p.m. Eastern Time on the due date to count as on-time. If you pay by mail or bank transfer, allow at least five business days for the payment to reach Chase's account.
Key Takeaways
- You can pay through Chase.com, the Chase mobile app, by phone at the number on your statement, or by mailing a check to the address on your bill.
- Payments made through the website or app usually post within one business day, while mailed checks take five to seven business days.
- Your due date is listed on your statement; paying by that date avoids a late fee and keeps your credit report clean.
- If you carry a balance, Chase charges interest daily on the unpaid amount at the rate shown in your card agreement.
- Setting up automatic payments from your bank account ensures you never miss a due date.
Paying through Chase.com or the mobile app
Log into your Chase account on the website or open the Chase mobile app. Select the credit card you want to pay. You will see your current balance, minimum payment due, and due date. Choose "Make a Payment" or a similar option (the exact wording varies by app version).
Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Select the bank account you want the payment to come from. If this is your first payment from that account, you may need to verify it by entering your routing number and account number. Review the details and confirm the payment.
The payment usually posts to your account within one business day. You will receive a confirmation number when ready and can check your updated balance in the app or on the website.
Paying by phone or mail
To pay by phone, call the number on the back of your card or on your statement. A representative will ask for your account number and the amount you want to pay, then confirm your bank account information. The payment posts within one to two business days.
To pay by mail, write a check for the amount you owe and mail it to the address shown on your statement. Write your account number on the check. Allow five to seven business days for the check to arrive and post. If you are close to your due date, mailing a check is risky — use the website, app, or phone instead.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into Chase.com, go to your card account, and look for "Autopay" or "Automatic Payments." You can set it to pay your full balance, your minimum payment, or a fixed amount each month on a date you choose.
If you set autopay to the full balance, your card will be paid in full each month and you will not be charged interest. If you set it to the minimum or a fixed amount, the remaining balance will accrue interest. You can change or cancel autopay anytime through your account settings.
What happens if you miss a payment
If your payment does not arrive by the due date, Chase charges a late fee. The fee amount depends on your card and your account history; it typically ranges from $25 to $40 for the first late payment. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment by more than 30 days, Chase may increase your interest rate to a penalty rate, which is usually much higher than your regular rate. If you realize you will miss a due date, call Chase when ready — sometimes they can waive a late fee if you have a good payment history and this is your first miss.
Understanding your balance and interest charges
Your statement shows your "statement balance" (what you owed on the date the statement closed) and your "current balance" (what you owe right now, including new purchases and interest). You are only required to pay the minimum, but paying more reduces the interest you are charged.
Chase calculates interest daily on your unpaid balance using your Annual Percentage Rate, or APR. If your APR is 18% and you carry a $1,000 balance for a full month, you will be charged roughly $15 in interest. The longer you carry a balance, the more interest compounds. Paying your full balance each month avoids interest entirely.
Payment options if you do not have a Chase bank account
You do not need a Chase bank account to pay your Chase credit card. You can pay from any bank account you own by providing your routing number and account number on the Chase website or app. You can also pay by phone using the same information.
Some third-party payment services like PayPal or Venmo allow you to send money to another person, but they do not send payments directly to credit card companies. If you use a third-party service, you would have to transfer the money to your own bank account first, then pay Chase from there — which adds extra steps and delay.
Frequently Asked Questions
Can I pay my Chase card with a debit card or another credit card?
No. Chase only accepts payments from a bank account (checking or savings), by check, or through their website or app. Paying a credit card with another credit card is not allowed and would count as a cash advance, which carries a higher interest rate and an upfront fee.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Chase. Refunds usually take five to seven business days to appear in your bank account.
Is there a limit to how much I can pay at once?
Chase does not publish a single-payment limit, but very large payments may trigger fraud detection. If your payment is declined, call Chase to confirm it is legitimate, and they will process it. For routine payments, there is no practical limit.
Do I have to pay the full balance to avoid interest?
Yes. If you carry any balance into the next month, Chase charges interest on that amount. The only way to avoid interest is to pay your full statement balance by the due date each month.
What happens if I pay before my statement closes?
Paying before your statement closes reduces the balance that appears on your next statement, which lowers the interest you are charged. However, new purchases made after your payment will still appear on your next statement and will be subject to interest if you do not pay them in full.