The main ways to pay your Chase card
You can pay your Chase credit card through Chase.com, the Chase mobile app, automatic bank transfers, phone, mail, or in person at a Chase branch. The fastest route is online or through the app — both post to your account the same day if you pay before the cutoff time, which is usually 8 p.m. Eastern. Phone and mail take longer: phone payments post the next business day, and mailed checks can take 7 to 10 days depending on mail speed and processing time.
The method you choose depends on how much time you have before your due date and whether you want to set it and forget it. If you pay the same amount every month, automatic transfers from your bank account are the simplest. If you pay different amounts or want to stay in control, online or app payments let you choose the exact amount each time.
Key Takeaways
- Chase accepts payments online, through their mobile app, by phone, by mail, or at a branch, with online and app payments posting the same day if submitted before 8 p.m. Eastern.
- Your payment due date is printed on your statement, and paying by that date keeps your account in good standing and avoids late fees.
- You can set up automatic payments from your bank account to pay a fixed amount or your full balance each month without logging in.
- If you pay late, Chase typically charges a late fee and may report the missed payment to credit bureaus after 30 days, which can lower your credit score.
Paying online or through the Chase mobile app
Log into Chase.com or open the Chase mobile app, go to your credit card account, and select "Make a Payment" or "Pay Now." Enter the amount you want to pay and the date you want it to post. If you choose today's date and submit before 8 p.m. Eastern, the payment posts the same day. If you choose a future date, it posts on that date.
You will need a bank account to link for the payment. Chase can pull from any U.S. bank account, not just Chase accounts. The first time you link an account, Chase may ask for your routing number and account number, which you can find on a blank check or by logging into your bank's website. After that, the account stays saved and you can pay in seconds.
The app is useful if you are away from a computer or want to check your balance and payment history at the same time. Both the website and app show your current balance, minimum payment due, and due date in one place, so you can decide how much to pay without hunting for your statement.
Setting up automatic payments
Automatic payments take the guesswork out of remembering a due date. In Chase.com or the app, go to "Autopay" or "Automatic Payments," choose your linked bank account, and pick a payment date and amount. You can set it to pay your full statement balance, a fixed dollar amount, or just the minimum payment.
Most people choose to pay the full balance automatically on the due date or a few days before. This keeps you from carrying a balance and paying interest. If you choose the minimum payment, you will still owe interest on the remaining balance, but the minimum payment itself will always post on time.
You can change or cancel automatic payments anytime through the same menu. If you know a month will be tight, you can pause autopay for that month and resume it the next month. Chase will send you a reminder email before each automatic payment goes through, so you can catch any mistakes.
Paying by phone or mail
To 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, then confirm your bank account information. Phone payments post the next business day, so call at least two business days before your due date if you are cutting it close.
To pay by mail, write a check to Chase, include your account number on the check, and mail it to the address printed on your statement. Do not send cash. Mail takes 7 to 10 days to arrive and be processed, so mail your payment at least 10 days before your due date. Keep a record of when you mailed it in case there is a question later.
Phone and mail are slower than online payment, so use them only if you do not have internet access or prefer not to link a bank account online. If you are worried a payment will not arrive in time, online or phone payment is safer.
What happens if you miss your due date
Your due date is printed on your statement and is usually 21 to 25 days after your statement closes. If you do not pay by that date, Chase charges a late fee. The fee amount depends on your card and how late you are, but typically ranges from $25 to $40 for the first late payment and can be higher for repeat late payments.
If you are 30 days late, Chase reports the missed payment to the three credit bureaus — Equifax, Experian, and TransUnion. This stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on your score and payment history. A lower score makes it harder to borrow money in the future and can raise the interest rates you are offered.
If you miss a payment, pay as soon as you can. The sooner you pay, the less damage to your credit. If you are having trouble making payments, call Chase and ask about hardship programs or payment plans. They may be able to lower your interest rate or give you more time.
Understanding your statement and payment options
Your Chase statement shows your statement balance (what you owe for the month), your minimum payment due, and your due date. The statement balance is the total of all purchases, fees, and interest charges from your billing cycle. The minimum payment is the smallest amount Chase will accept to keep your account in good standing, usually 1 to 3 percent of your balance.
Paying only the minimum means you carry the rest of the balance forward and pay interest on it next month. Interest compounds, meaning you pay interest on the interest, so the longer you carry a balance, the more you pay overall. If you pay the full statement balance by the due date, you owe no interest.
Some cards offer a grace period, which means you owe no interest on new purchases if you pay the full balance by the due date. Chase credit cards typically offer a grace period of 21 to 25 days. This grace period does not explore to cash advances or balance transfers, which start accruing interest when ready.
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). Paying with another credit card counts as a cash advance on that card, which charges a fee and higher interest rate. If you do not have a bank account, ask Chase about other payment options or visit a Chase branch in person.
What time does Chase stop accepting online payments?
Online and app payments submitted before 8 p.m. Eastern post the same day. Payments submitted after 8 p.m. Eastern post the next business day. If your due date falls on a weekend or holiday, Chase extends the due date to the next business day, but do not count on this — pay on time to be safe.
Is there a fee to pay my Chase card online?
No. Chase does not charge a fee for online, app, phone, or mail payments. Automatic payments are also free. The only time you pay a fee is if you pay late or use a third-party payment service that is not Chase.
Can I pay more than my statement balance?
Yes. You can pay any amount up to your full balance and any past-due amounts. Paying more than you owe reduces your balance and lowers the interest you pay next month. Some people pay extra to pay off their card faster.
What if I pay my Chase card early?
Paying early is always a good idea. It lowers your balance, reduces interest charges, and keeps your account in good standing. There is no penalty for paying early or paying more than the minimum. The earlier you pay, the less interest you owe.