The fastest way to pay is through your Bank of America online account or mobile app
You can pay your Bank of America credit card balance in minutes using your online account at bankofamerica.com or the Bank of America mobile app. Log in with your username and password, go to the credit card account, and select "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. The payment posts when ready if you pay before 8 p.m. ET on a business day; otherwise it posts the next business day.
You do not need to set up anything in advance — if you have online access to your account, you can pay right away. This method is free and the most direct route.
Key Takeaways
- Online or mobile app payments post the same business day if made before 8 p.m. ET, and cost nothing.
- You can set up automatic payments to pay a fixed amount or your full balance on a date you choose each month.
- Phone payments to 1-800-432-1000 take a few minutes and work if you do not have online access.
- Mailed checks should arrive at least five business days before your due date to avoid late fees.
- Bank transfers from another account at Bank of America or an outside bank are free and usually post within one business day.
Setting up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting to pay. Log into your Bank of America account, select your credit card, and go to "Manage Automatic Payments." Choose whether you want to pay your full statement balance, a fixed dollar amount, or your minimum payment. Pick the day of the month you want the payment to come out — most people choose a date shortly after payday.
Once set up, the payment happens automatically each month on that date. You can change or cancel it anytime by going back to the same screen. If your balance varies month to month, paying the full statement balance is the simplest choice because it adjusts automatically.
Paying by phone if you do not have online access
Call Bank of America customer service at 1-800-432-1000 to pay by phone. Have your credit card number and the amount you want to pay ready. A representative will walk you through the payment and confirm it. Phone payments are free and post the same business day if you call before 8 p.m. ET on a business day.
This method works if your online account is not set up yet or if you prefer to speak with someone. You can pay from a checking account at any bank, not just Bank of America.
Mailing a check or money order
If you prefer to pay by mail, write a check or money order to Bank of America and include your credit card account number on the back. The mailing address is on your statement. Mail it at least five business days before your due date to may support it arrives on time and avoids a late fee.
Mailed payments are slower than other methods and can get lost, so this is the least reliable option. Use it only if you do not have online access or a phone line available.
Transferring money from another bank account
You can pay from a checking or savings account at another bank using a bank transfer. Log into your Bank of America account, select your credit card, and choose "Transfer Money In" or "Pay from Another Account." Enter the other bank's routing number and your account number there. Bank of America will verify the account, which usually takes one to two business days the first time.
After verification, transfers are free and post within one business day. This method works well if you keep most of your money at another bank and want to pay without switching accounts.
What happens if you miss your due date
If your payment does not arrive by the due date on your statement, Bank of America charges a late fee — the amount depends on your card terms and how late the payment is. A late payment also appears on your credit report and can raise your interest rate. If you realize you will miss the due date, call 1-800-432-1000 right away to make a payment over the phone.
If you have already missed the due date, pay as soon as possible to stop additional fees from building up. One late payment usually does not cause permanent damage, but multiple late payments hurt your credit score significantly.
Paying more than the minimum to reduce interest charges
Your statement shows a minimum payment — usually 1 to 3 percent of your balance — but paying only the minimum means you pay much more in interest over time. If you carry a balance, paying more than the minimum shrinks what you owe and reduces the total interest you pay.
The best approach is to pay your full statement balance each month so no interest charges accrue at all. If you cannot pay the full balance, pay as much as you can above the minimum. Even an extra $20 or $50 per month makes a real difference over time.
Frequently Asked Questions
Can I pay my Bank of America credit card from a different bank's account?
Yes. You can pay by phone, by bank transfer, or by mailing a check from any bank account. Online and app payments work if the account is at Bank of America. Phone payments at 1-800-432-1000 accept transfers from any U.S. bank.
What time does my payment need to post to avoid a late fee?
Your payment must arrive by 11:59 p.m. ET on your due date. Payments made online or by phone before 8 p.m. ET on a business day post the same day. Mailed payments should arrive at least five business days early to be safe.
Can I change or cancel an automatic payment after I set it up?
Yes. Log into your Bank of America account, go to "Manage Automatic Payments," and turn off or edit the payment anytime. Changes take effect on your next scheduled payment date. If you need to stop a payment that is coming out today or tomorrow, call 1-800-432-1000 when ready.
Is there a fee to pay my credit card online or by phone?
No. Bank of America does not charge a fee for online, app, phone, or automatic payments. Mailed payments and bank transfers are also free. Some third-party payment services charge a fee, but Bank of America's own payment methods do not.
What should I do if my payment was not posted after three business days?
Call 1-800-432-1000 and provide the payment date and amount. A representative can look up the payment and confirm whether it posted or if there was a problem. If the payment is lost, you can make another payment right away over the phone to avoid a late fee.