Bank of America offers five main ways to pay your credit card bill: online through their website or mobile app, by phone, by mail, in person at a branch, or through automatic payments.
The fastest and most common method is online payment through your Bank of America account. You log in, select your credit card, enter the amount, and choose a payment date — the money typically moves within one business day. The mobile app works the same way and takes about two minutes.
If you prefer not to use digital tools, you can call Bank of America's payment line at the number on the back of your card, mail a check to the address printed on your statement, or walk into any Bank of America branch with cash or a check. Each method has different timing and requirements, which matter if you are close to a due date.
Key Takeaways
- Online and mobile app payments post within one business day, making them the safest choice if your payment is due soon.
- Phone payments require your card number and bank account or debit card information, and you can schedule a payment for a future date.
- Mail payments take seven to ten business days to reach Bank of America, so send them at least two weeks before your due date to avoid late fees.
- Automatic payments from a Bank of America checking account can be set to pay your full balance, a fixed amount, or your minimum payment on a date you choose.
- In-person payments at a branch are when ready but only available during business hours and at locations near you.
Paying Online or Through the Mobile App
Log into your Bank of America account at bankofamerica.com or open the mobile app on your phone. Select "Pay Bills" or "Credit Card Payments" from the menu. The system will show your current balance, minimum payment due, and due date.
Enter the amount you want to pay and select the date you want the payment to post. Bank of America processes online payments submitted before 8 p.m. Eastern Time on the same business day. If you submit after 8 p.m. or on a weekend, the payment posts the next business day. You will receive a confirmation number when ready — save this in case you need to reference the payment later.
The mobile app works identically to the website. Many people find it faster because you can photograph your statement or use fingerprint login. Both methods are free and do not charge a fee for standard payments.
Paying by Phone
Call the number on the back of your credit card. An automated system will ask for your card number and the amount you want to pay. You can pay from a Bank of America checking account, a debit card, or another bank account you have set up with them.
The system lets you schedule the payment for today or any future date up to 30 days out. This is useful if you want to pay on payday or after a deposit clears. The payment posts within one business day of the date you select. There is no fee for phone payments.
If you prefer to speak with a representative, you can stay on the line after the automated system, though this may add wait time. A representative can answer questions about your account but cannot change the payment amount or date once it is submitted — you would need to call back to modify it.
Paying by Mail
Write a check and mail it to the address shown on your credit card statement. Do not send cash by mail. Include your account number on the check so Bank of America can match the payment to your card.
Mail payments take seven to ten business days to arrive and be processed. If your due date is fewer than ten days away, a mailed check will likely arrive late and trigger a late fee. Send mail payments at least two weeks before your due date to be safe. There is no fee for mailed payments, but the delay makes this method risky if you are behind on your bill.
Keep a record of the check number and the date you mailed it. If the payment does not appear in your account within two weeks, contact Bank of America with this information so they can trace it.
Setting Up Automatic Payments
Automatic payments remove the risk of forgetting a due date. Log into your Bank of America account, go to "Payments" or "Bill Pay," and select "Set Up Automatic Payment." Choose your credit card and the bank account you want to pay from.
You have three options for the payment amount: pay your full statement balance each month, pay a fixed amount you set, or pay only the minimum payment due. Select the date you want the payment to post each month — most people choose a few days after payday or after a regular deposit.
Automatic payments from a Bank of America checking account are free. If you set up automatic payments from an outside bank account, Bank of America does not charge a fee, but your other bank may. You can change or cancel automatic payments anytime through your account settings. This method works well if your income is regular and predictable, but if your balance varies widely month to month, paying a fixed amount may not cover your full balance.
Paying in Person at a Branch
Walk into any Bank of America branch with cash or a check during business hours. Tell the teller you want to pay your credit card. They will ask for your card or account number and the amount you want to pay. The payment posts when ready to your account.
In-person payments are useful if you have cash and want to avoid fees at an ATM, or if you prefer face-to-face contact. However, this method only works during branch hours, which are typically 9 a.m. to 5 p.m. on weekdays and limited hours on Saturday. If you need to pay outside these hours, use online, phone, or mail instead.
What Happens If You Miss a Due Date
If your payment does not post by the due date shown on your statement, Bank of America charges a late fee. The fee amount depends on your card type and account history, but typically ranges from $25 to $39 for the first late payment. A second late payment within six months costs more.
A late payment also triggers a higher interest rate on your balance, called a penalty rate. This rate stays in effect for at least six months, even after you catch up. If you miss a payment, contact Bank of America as soon as possible — sometimes they will waive a first late fee if you have a good payment history.
To avoid this, submit your payment at least three business days before your due date. If you are using mail, send it two weeks early. If you are unsure whether a payment will arrive on time, use online or phone payment instead.
Frequently Asked Questions
Can I pay my Bank of America credit card with a different bank's account?
Yes. When you pay by phone or online, you can link an account from another bank. The payment takes one to two business days to post. You can also set up automatic payments from an outside account, though some banks charge a fee for incoming transfers.
What if I want to pay more than my balance?
Bank of America will accept a payment larger than your balance. The extra amount becomes a credit on your account that you can use toward future purchases or request as a refund. You can request a refund online or by calling the number on your card.
Do I have to pay my full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. Paying only the minimum keeps your account current, but you will pay interest on the remaining balance. Paying your full balance each month avoids interest charges.
How do I know if my payment went through?
Bank of America sends a confirmation when ready after online or phone payments. For mail payments, check your account online after two weeks. You can also call the number on your card to confirm your current balance and recent payments.
Can I pay my credit card from an ATM?
Bank of America ATMs do not accept credit card payments. Use online payment, the mobile app, phone payment, mail, or visit a branch instead.