The main ways to pay your Bank of America credit card
You can pay your Bank of America credit card through their website, mobile app, by phone, by mail, or in person at a branch. The fastest route is usually the website or app — both let you pay when ready and see the payment post within one business day. If you prefer to speak to someone, you can call the number on the back of your card, and a representative can process a payment over the phone.
The payment methods differ slightly in how quickly they work and what information you need on hand. Some routes charge a fee if you're not a Bank of America customer; others do not. Knowing which option fits your situation — whether you need to pay today, set up recurring payments, or avoid a late fee — matters more than picking the "best" method in general.
Key Takeaways
- Online and mobile app payments usually post within one business day and cost nothing if you're a Bank of America customer.
- Phone payments work the same day but require you to have your card and bank account information ready.
- Mail payments take seven to ten business days to arrive, so send them early if a due date is approaching.
- Third-party payment services (like PayPal or Venmo) may charge a fee, so check the terms before using them.
- Setting up automatic payments through your Bank of America account prevents missed due dates and late fees.
Paying online through Bank of America's website
Log into your Bank of America account at bankofamerica.com, navigate to the credit card section, and select "Make a Payment." You'll enter the amount you want to pay and choose the date — you can pay when ready or schedule a payment for a future date. The system will show you when the payment will post (usually the next business day for same-day payments).
This method is free if you're paying from a Bank of America checking or savings account. If you pay from an account at another bank, Bank of America does not charge you, but your own bank may charge a fee for the outgoing transfer. You'll need your online banking username and password, and the payment will be recorded in your account history when ready after you submit it.
Paying through the Bank of America mobile app
The Bank of America app (available on iOS and Android) has a dedicated payment section under the credit card account. Tap the card you want to pay, select "Make a Payment," enter the amount, and choose the payment date. The process is identical to the website, and payments post on the same timeline.
Mobile app payments are useful if you're away from a computer or want to pay on your phone during a break. The app also shows your current balance, due date, and recent transactions, so you can see exactly what you owe before you pay. Like the website, there's no fee if you're paying from another Bank of America account.
Paying by phone
Call the number on the back of your credit card to reach Bank of America's payment line. A representative will ask for your card number, the amount you want to pay, and the bank account you're paying from. The payment processes when ready, though it may take one business day to post to your account.
Phone payments are useful if you have questions about your balance or due date, or if you're not comfortable using the website or app. There is no fee for phone payments. Have your card and a checking or savings account number ready before you call, as the representative will need both. If you're calling from outside the United States, check the back of your card for the international number.
Paying by mail
Write a check or money order, include a payment stub (or write your card number on the check), and mail it to the address listed on your statement or the back of your card. Bank of America typically receives mail payments within seven to ten business days, depending on postal service speed and your location.
Mail payments are the slowest option and should only be used if you don't have access to online, phone, or in-person payment methods. If your due date is fewer than ten days away, mailing a check risks a late payment. There is no fee for mail payments, but the time delay means you should send it well in advance. Keep a record of the check number and amount for your records.
Paying in person at a Bank of America branch
Visit any Bank of America branch with your credit card and the amount you want to pay in cash or check. A teller will process the payment when ready, and it will post to your account within one business day. This option works if you prefer to hand over payment in person or don't have a bank account to pay from electronically.
In-person payments are free and give you a receipt on the spot. You don't need to be a Bank of America customer to pay at a branch — anyone can walk in and make a credit card payment. Bring your card or account number so the teller can explore the payment to the correct account.
Setting up automatic payments
Log into your Bank of America account, go to the credit card section, and look for "Automatic Payments" or "Recurring Payments." You can set the system to pay a fixed amount each month (such as the full balance or a set dollar amount) on a date you choose. The payment will process automatically on that date every month until you cancel it.
Automatic payments prevent missed due dates and late fees, and they work whether you're a Bank of America customer or not. You can change or cancel an automatic payment anytime through your account settings. If you set it to pay the full balance, your payment will adjust each month based on what you owe.
Paying through third-party services
You can also pay your Bank of America credit card through PayPal, Venmo, or other payment apps, but these services may charge a fee — sometimes as much as 1 to 3 percent of the payment amount. The fee varies by service and by whether you're using a linked bank account or a credit card to fund the payment. Check the terms of the service before you pay to see whether a fee applies.
Third-party payments are useful if you're already using one of these services and want to consolidate your payments in one place. However, the fee makes them more expensive than paying directly through Bank of America. Use them only if the convenience outweighs the cost, or if you don't have another way to pay.
Frequently Asked Questions
What happens if I miss my due date?
Bank of America will charge a late fee (the amount varies based on your card terms) and may report the late payment to credit bureaus if it's more than 30 days past due. Your interest rate may also increase. If you miss a payment, pay as soon as you can to minimize the damage. Contact Bank of America if you're having trouble making payments — they may offer hardship options.
Can I pay more than the minimum payment?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There's no penalty for overpaying, and you can do it through any of the payment methods listed above.
How long does it take for a payment to show up?
Online, app, and phone payments usually post within one business day. Mail payments take seven to ten business days. In-person payments post within one business day. Automatic payments post on the date you set them for. "Posting" means the payment appears in your account; the funds may leave your bank account sooner.
Is there a fee to pay my credit card?
Bank of America does not charge a fee for payments made through their website, app, phone line, mail, or branches. Third-party services like PayPal or Venmo may charge a fee. Your own bank may charge a fee if you're transferring money out of an account there, but Bank of America will not.
What if I want to set up a payment but don't have a Bank of America account?
You can still pay by phone, mail, or in person at a branch without a Bank of America account. You can also pay online if you create a temporary login or use the payment portal without logging in (the option varies by card type). Call the number on your card if you're unsure which method works for your situation.