The fastest way to pay is through the Bank of America website or mobile app, where you can send money the same day or schedule it for a future date
You can pay your Bank of America credit card in four main ways: online through their website or mobile app, by phone, by mail, or in person at a Bank of America branch. The online and mobile routes are fastest — you can make a payment within minutes and see it post to your account within one to two business days. Phone and mail payments take longer and require you to have your account number and routing information ready.
The method you choose depends on how quickly you need the payment to reach your account and whether you want to set up automatic payments or make one-time payments. Most people use online or mobile because they're free, when ready, and you get a confirmation number right away.
Key Takeaways
- Online and mobile app payments are free and typically post within one to two business days, with same-day options available if you pay before the cutoff time.
- You can set up automatic payments through your Bank of America account to pay a fixed amount or your full balance on a date you choose each month.
- Phone payments are free but require you to speak with a representative, and mail payments take five to seven business days to arrive.
- In-person payments at a Bank of America branch are free and when ready, but only available during branch hours.
- If you pay late, Bank of America charges a late fee and may increase your interest rate, so setting up automatic payments helps you avoid missed due dates.
Paying online through the Bank of America website
Go to bankofamerica.com and log into your account with your username and password. Click on your credit card account, then select "Make a Payment" or "Pay Now." Enter the amount you want to pay, choose whether you're paying from a Bank of America checking or savings account (or an external account), and select your payment date. If you choose today's date and pay before 2 p.m. Eastern Time on a business day, the payment posts the same day. Otherwise, it posts within one to two business days.
You'll receive a confirmation number when ready after you submit the payment. Keep this number for your records. If you need to cancel or change a payment you just made, you can do so from the same "Make a Payment" section, but only if the payment hasn't already been processed. Bank of America will send you a confirmation email within a few minutes, which you can save or print as proof of payment.
Paying through the Bank of America mobile app
Open the Bank of America mobile app and tap on your credit card account. Select "Pay" or "Make a Payment," enter the amount, and choose your payment date. The app works the same way as the website — same-day posting if you pay before 2 p.m. Eastern Time on a business day, otherwise one to two business days. You'll get a confirmation number on your screen that you can screenshot or save.
The mobile app also lets you set up recurring payments if you want to pay the same amount every month automatically. This is useful if you want to pay a fixed amount toward your balance without having to log in each month. You can modify or stop recurring payments at any time through the app's settings.
Setting up automatic payments
Automatic payments remove the risk of forgetting your due date. Log into your Bank of America account online, go to your credit card, and look for "Automatic Payments" or "Recurring Payments." You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Select the date each month you want the payment to go out — many people choose a few days after payday to make sure the money is in their account.
You can change or cancel automatic payments at any time, and Bank of America will send you a confirmation email when each automatic payment is processed. If you set up automatic payments to cover your full balance, you'll avoid interest charges and late fees as long as the money is in your account on the payment date. The payment will come from whichever account you designate — a Bank of America account or an external bank account.
Paying by phone
Call Bank of America's credit card customer service at the number on the back of your card. A representative will ask for your account number and the amount you want to pay. They'll confirm the payment date and give you a confirmation number. Phone payments are free and take one to two business days to post, the same as online payments.
This method is useful if you don't have internet access or prefer to speak with someone, but it takes longer than paying online. Keep your confirmation number and the date you called in case you need to reference the payment later. Bank of America's phone lines are typically available 24 hours a day, 7 days a week.
Paying by mail
Write a check to Bank of America and mail it to the address shown on your credit card statement. Include your account number on the check. Mail payments take five to seven business days to arrive, so send your payment at least a week before your due date to avoid a late payment. This method is free but slow, and you won't have a confirmation number — only your cancelled check as proof of payment.
Keep a record of when you mailed the check and the amount. If the payment doesn't post within seven business days, contact Bank of America with your mailing date and check number so they can investigate. Mailing a payment is the slowest option and carries the highest risk of arriving late, so it's best used only when other methods aren't available.
Paying in person at a Bank of America branch
Visit any Bank of America branch during business hours with your credit card or account number and the cash or check you want to pay. A teller will process the payment when ready and give you a receipt. This method is free and the payment posts right away, but it requires you to go to a branch in person.
Some branches have limited hours, so check the hours of your nearest location before you go. You can find branch locations and hours on bankofamerica.com. In-person payments are useful if you prefer to handle money face-to-face or if you need the payment to post when ready, but for most people, online or mobile payments are more convenient.
What happens if you pay late
If your payment doesn't arrive by your due date, Bank of America charges a late fee — the amount depends on your account terms but typically ranges from $25 to $39 for the first late payment. A late payment also appears on your credit report after 30 days and can lower your credit score. If you're more than 60 days late, Bank of America may increase your interest rate to a penalty rate, which is usually much higher than your regular rate.
If you miss a payment, contact Bank of America as soon as possible. They may be able to waive the late fee if it's your first one, and paying when ready will stop additional fees from building up. Setting up automatic payments is the easiest way to avoid this situation entirely, since the payment will go out on the same date every month without you having to remember.
Frequently Asked Questions
Can I pay my Bank of America credit card from another bank's account?
Yes. When you set up a payment online or through the mobile app, you can choose to pay from an external bank account. You'll need to provide your routing number and account number. The first external payment may take an extra day to process while Bank of America verifies the account, but future payments from the same account are faster.
Is there a fee to pay my credit card?
No. Bank of America does not charge a fee for any payment method — online, mobile, phone, mail, or in person. However, if you use a third-party payment service or wire transfer, that service may charge its own fee.
How do I know if my payment went through?
You'll receive a confirmation number when ready after you submit an online or mobile payment. You can also log into your account and check your recent transactions, or wait for Bank of America to send you a confirmation email. Payments typically post within one to two business days.
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 contact Bank of America to request a refund. Some people intentionally overpay to build up a credit balance so they can skip a payment month if needed.
Can I schedule a payment for a specific time of day?
You can choose the date, but not the time. Bank of America processes payments submitted before 2 p.m. Eastern Time on business days as same-day payments. Payments submitted after 2 p.m. or on weekends and holidays are processed the next business day.