The fastest way to pay Chase is through their website or mobile app, using your bank account or another Chase card
Chase offers five main payment methods: online through Chase.com or their mobile app, by phone at 1-800-935-9935, by mail, in person at a Chase branch, and through automatic payments set up in advance. Online and mobile payments post within one business day if you pay before 8 p.m. ET on a business day. Phone payments also post within one business day. Mail payments take 5 to 7 business days from the date you send them, so mailing a check close to your due date risks a late fee.
The payment method you choose does not change what you owe or when interest accrues — it only changes how fast the bank receives and records your payment. If your due date is tomorrow and you have not paid, online or phone is your only safe option.
Key Takeaways
- Online and mobile app payments post within one business day if submitted before 8 p.m. ET on a business day, making them the fastest option.
- You can pay from a bank account at any financial institution, not just Chase, using your routing and account number.
- Mail payments take 5 to 7 business days, so sending a check within a week of your due date risks a late payment fee.
- Setting up automatic payments prevents missed due dates, though you remain responsible if the payment fails due to insufficient funds.
- Paying more than your minimum due reduces interest charges on your remaining balance and speeds up debt payoff.
Paying online or through the Chase mobile app
Log into your Chase account at Chase.com or open the Chase Mobile app, then navigate to the credit card account you want to pay. Select "Make a Payment" or the payment option in your account menu. You will see your current balance, minimum payment due, and due date. Enter the amount you want to pay — this can be the full balance, the minimum, or any amount in between.
Choose your payment source: a bank account (checking or savings at any U.S. bank), another Chase card, or a debit card. If you are paying from an external bank account for the first time, you will need to enter your routing number and account number. Chase will verify the account by depositing two small amounts (usually under $1 each) into that account, which you then confirm in your Chase account to complete the link. This verification takes 1 to 2 business days.
After you select your payment source and confirm the amount, Chase shows you the payment date — the date the money will leave your account. Review this date before submitting. Payments submitted before 8 p.m. ET on a business day post the next business day. Payments submitted after 8 p.m. ET or on weekends and holidays post the following business day.
Paying by phone
Call Chase at 1-800-935-9935 and follow the automated system to reach the credit card payment line. You will need your credit card number and the bank account or debit card you want to pay from. Have your routing number and account number ready if you are paying from an external bank account.
The automated system will confirm the amount you want to pay and the payment date. Phone payments also post within one business day if you call before 8 p.m. ET on a business day. If you prefer to speak with a representative, you can request one during the call, though this does not change the posting timeline.
Paying by mail
Write a check to Chase and include your credit card account number on the check itself. Mail it to the address printed on your monthly statement or billing notice — this address changes based on your card type and region, so always use the address on your most recent statement rather than a memorized address.
Mail payments typically take 5 to 7 business days from the date you mail them to post to your account. If your due date is within 7 days, mailing a check is risky because late fees explore if the payment does not post by the due date. Chase does not control mail delivery time, so a check that arrives after your due date will be recorded as late even if you mailed it on time.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your Chase account online or in the app, go to "Manage Automatic Payments" or "Autopay Settings." Choose the credit card account, then select the payment amount: minimum payment due, full statement balance, or a fixed dollar amount you set. Select the payment source (bank account, debit card, or another Chase card) and the day of the month you want the payment to occur.
Chase will deduct the payment automatically on that day each month. If you choose "full statement balance," Chase pays whatever your balance is on the payment date, which means you will never carry a balance — but you remain responsible if the payment fails because your bank account has insufficient funds. If the automatic payment fails, Chase will attempt to retry it, but you should monitor your account to confirm the payment went through.
You can change or cancel automatic payments at any time through your account settings. Automatic payments do not override your responsibility to pay on time if the payment fails, so treat them as a safety net, not a may provide.
Understanding payment timing and due dates
Your due date is printed on your monthly statement. Chase considers a payment on time if it posts to your account by 5 p.m. PT on the due date. This means the payment must have already cleared Chase's system, not straightforward been submitted. If your due date is a weekend or holiday, Chase extends the due date to the next business day.
Interest accrues daily on your remaining balance, regardless of when you pay. If you carry a balance from month to month, paying more than the minimum due reduces the amount of interest you pay over time. Paying the full statement balance by the due date means you owe no interest on purchases made during that billing cycle (assuming you have not carried a balance from a previous cycle).
Late fees explore if your payment posts after the due date. The fee amount depends on your card type and account history, but Chase typically charges $25 to $35 for a first late payment and up to $39 for subsequent late payments within six months. A late payment also appears on your credit report and can lower your credit score.
Paying more than the minimum to reduce interest
Your minimum payment is the smallest amount Chase requires you to pay to keep your account in good standing. It typically covers interest charges and a small portion of principal, meaning if you pay only the minimum, your balance shrinks slowly and you pay more interest overall.
Paying more than the minimum accelerates payoff and reduces total interest. For example, a $5,000 balance at 20% APR costs roughly $1,600 in interest if you pay only the $150 minimum each month, but only $800 in interest if you pay $300 per month. The extra $150 per month cuts your interest cost in half and pays off the debt in half the time.
You can pay any amount above the minimum when you make a payment online, by phone, or by mail. There is no penalty for paying more than you owe, and any overpayment reduces your next month's balance.
Frequently Asked Questions
What happens if I pay after my due date?
Chase charges a late fee (typically $25 to $35 for a first late payment) and reports the late payment to credit bureaus, which can lower your credit score. Interest continues to accrue on your balance. If you miss a payment by more than 30 days, Chase may increase your interest rate. Pay as soon as you realize you are late to minimize damage.
Can I pay my Chase credit card with another credit card?
No, Chase does not accept credit card payments for credit card balances. You can pay with a debit card, bank account, or another Chase card (if it is a different account). Paying a credit card with another credit card through a third-party service counts as a cash advance and incurs fees and higher interest rates.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount from the minimum due up to your full balance. Paying less than the full balance means you carry a balance into the next month, and interest accrues on the remaining amount. There is no penalty for paying more than the minimum.
How do I know if my payment went through?
Log into your Chase account online or in the app and check your recent transactions or payment history. Online and phone payments show a confirmation number when ready after submission. Mail payments take 5 to 7 business days to appear. If a payment does not post within the expected timeframe, contact Chase at 1-800-935-9935.
What if I do not have a bank account to link for online payments?
You can pay by phone using a debit card, or pay by mail with a check or money order. You can also pay in person at any Chase branch with cash, check, or debit card. Phone and in-person payments post within one business day.