The main ways to pay Chase
You can pay your Chase credit card through their website, their mobile app, by phone, by mail, or through automatic transfers from your bank account. The fastest method is online or through the app — the payment posts the same day if you submit it before 8 p.m. Eastern time on a business day. Phone payments also post same-day; mail takes 5 to 7 business days depending on where Chase receives it.
Chase does not charge a fee for any of these payment methods. If you use a third-party bill-pay service (like your bank's bill pay feature) to send a check to Chase, that is free too. The only time you pay extra is if you use a credit card or debit card from another bank to pay through a third-party payment processor — those processors charge a convenience fee, usually 1.5% to 3% of the payment amount.
Key Takeaways
- Online, mobile app, and phone payments post the same day if submitted before 8 p.m. Eastern time on a business day; mail takes 5 to 7 business days.
- Chase charges no fee for any payment method, but third-party payment processors charge a convenience fee if you use their service.
- Your payment due date appears on your statement and in your online account; paying by that date avoids late fees and protects your credit score.
- Automatic payments from your bank account can be set to pay your full balance, a fixed amount, or the minimum due each month.
- If you miss a payment, Chase reports it to credit bureaus after 30 days, and a late fee applies when ready.
Paying online or through the Chase mobile app
Log into your Chase account at chase.com or open the Chase Mobile app, then look for "Pay Bill" or "Make a Payment." You will enter the amount you want to pay and choose the date you want it to post. If you choose a date in the future, Chase holds the payment and posts it on that date. If you submit the payment before 8 p.m. Eastern time on a business day and choose today's date, it posts the same day.
You can pay from a checking or savings account linked to your Chase profile. If you have not linked a bank account yet, you will need your routing number and account number — these appear on the bottom left of a check. Chase will verify the account by depositing two small amounts (usually under $1 each) into it within a few business days, then ask you to confirm those amounts in your account to complete the link.
Paying by phone or mail
To pay by phone, call the number on the back of your credit card. A representative will ask for the amount and the date you want the payment to post. Phone payments also post same-day if you call before 8 p.m. Eastern time on a business day. There is no fee for this service.
To pay by mail, send a check or money order to the address shown on your statement under "Payment Address" — this is different from the address where you send disputes or correspondence. Include your account number on the check. Mail takes 5 to 7 business days to reach Chase, so send it at least a week before your due date to avoid a late payment. Chase recommends sending mail at least 10 business days before the due date to be safe.
Setting up automatic payments
Automatic payments deduct money from your bank account on a date you choose each month. Log into your Chase account, go to "Autopay" or "Automatic Payments," and select the account you want to pay from. You then choose whether to pay your full statement balance, a fixed dollar amount, or the minimum payment due.
If you choose "full balance," Chase pays whatever your statement balance is on the day the payment posts — this means you will never carry a balance and will never pay interest. If you choose a fixed amount, that amount comes out every month regardless of your balance; if your balance is higher, you will still owe the difference. If you choose "minimum payment," Chase pays only the smallest amount required, which means you will pay interest on the remaining balance.
You can change or cancel automatic payments anytime through your account. If you cancel, you are responsible for making manual payments by the due date to avoid late fees.
Understanding your due date and payment important date
Your payment due date appears on your monthly statement and in your online account. This is the date by which Chase must receive your payment to avoid a late fee. If your due date falls on a weekend or holiday, Chase extends the important date to the next business day.
A payment is considered received when it posts to your account, not when you send it. Online and phone payments post the same day if submitted before 8 p.m. Eastern time on a business day. Mail payments take 5 to 7 business days, so the date you mail it is not the date it arrives. If you are close to your due date, use online, app, or phone payment to may support it posts on time.
What happens if you miss a payment
If your payment does not post by the due date, Chase charges a late fee. The amount varies based on your account history and balance, but typically ranges from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher.
After 30 days past the due date, Chase reports the late payment to the three major credit bureaus — Equifax, Experian, and TransUnion. This appears on your credit report and can lower your credit score by 100 points or more, depending on your score and credit history. The late payment stays on your report for seven years, though its impact on your score decreases over time.
If you miss a payment, contact Chase as soon as possible. Explain what happened and ask if they will waive the late fee as a one-time courtesy. Many cardholders with good payment history get the fee removed on the first offense. Paying the full amount owed when ready also helps — it stops additional late fees and shows Chase you are taking the debt seriously.
Paying more than the minimum
You can pay any amount above your minimum due without penalty. If your statement balance is $500 and your minimum due is $25, you can pay $100, $300, or the full $500 — Chase accepts all of these. Paying more than the minimum reduces the interest you owe on the remaining balance.
Interest on credit cards is calculated daily based on your balance. If you pay $300 of a $500 balance, you owe interest only on the remaining $200 going forward. If you pay the full balance before the due date, you owe no interest at all. This is why paying more than the minimum, or paying in full, saves money over time.
Frequently Asked Questions
Can I pay my Chase card with another credit card?
Chase does not accept credit card payments directly. However, you can use a third-party payment processor like Plastiq or PayPal to pay with a credit card; these services charge a convenience fee of 1.5% to 3% of the payment amount. For most people, paying from a bank account is free and simpler.
What if I pay late but before the statement closes?
If you pay after the due date but before your next statement closes, you will still be charged a late fee and the late payment will be reported to credit bureaus after 30 days. The timing of your statement closing does not change the late fee or reporting — only the due date matters.
How do I know if my payment posted?
Log into your Chase account online or through the app and check your account balance and recent transactions. Online and phone payments show as posted the same day if submitted before 8 p.m. Eastern time on a business day. Mail payments take 5 to 7 business days. If you do not see the payment within the expected timeframe, call Chase to confirm it was received.
Can I set up automatic payments to a different bank account than the one I used to open the card?
Yes. You can link any checking or savings account to your Chase profile for automatic payments, regardless of which bank it is with or whether it is the account you used to open the card. You will need the routing number and account number, and Chase will verify the account before the first automatic payment posts.
What happens if I pay my full balance but still have a balance showing?
If you paid your full statement balance but still see a balance, it is likely new charges that posted after your statement closed. These charges will appear on your next statement and are not due until the next due date. You can pay them early without penalty, or wait for the next statement and pay them by that due date.