Log in to Chase.com and find your bill in three steps
Go to chase.com and click "Sign In" in the top right corner. Enter your username or the email address tied to your account, then your password. If you have two-factor authentication turned on (which Chase recommends), you'll receive a code by text or through the Chase mobile app — enter that code to finish signing in.
Once you're logged in, your account dashboard shows all your Chase cards. Click on the credit card you want to pay. The card's page displays your current balance, minimum payment due, and the due date. You'll see a "Pay Bill" button or link — click it to start a payment.
Chase shows you the amount due, lets you choose how much to pay, and asks for the account you want to pay from (checking, savings, or external bank account). Review the payment date — Chase typically processes payments the same business day if you submit before the cutoff time, usually around 8 p.m. Eastern. Click "Confirm" and you're done.
Key Takeaways
- Sign in at chase.com with your username or email and password, then enter a two-factor authentication code if prompted.
- Select the credit card you want to pay from your dashboard and click the "Pay Bill" button on that card's page.
- You can pay any amount from the minimum due to your full balance, and Chase processes same-day payments if submitted before the evening cutoff.
- If you forget your password, use the "Forgot Username or Password?" link on the sign-in page to reset it through email or security questions.
- Set up automatic payments in the payment settings to have Chase deduct a fixed amount or your full balance on the same date each month.
What to do if you can't remember your password
On the Chase sign-in page, click "Forgot Username or Password?" Chase will ask you to enter the email address or username you use for your account. You'll then choose how to verify your identity: through a security code sent to your email, or by answering security questions you set up when you opened the account.
After you verify, Chase lets you create a new password. Make it at least 8 characters long and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #) — Chase requires this combination. Once you've set your new password, you can sign in normally.
Setting up automatic payments so you don't miss a due date
After you sign in and select your card, look for "Manage Automatic Payments" or "Set Up Autopay" in the payment section. Chase lets you choose a payment date (any day of the month) and an amount: your minimum payment, a fixed dollar amount you pick, or your full statement balance each month.
If you choose to pay your full balance automatically, Chase will deduct whatever you owe on that date each month — useful if your balance changes. If you pick a fixed amount, you'll still need to pay any remaining balance manually if it's higher than your automatic payment. You can change or cancel automatic payments anytime by going back to the same page and updating your settings.
Understanding what happens if you miss a payment deadline
Chase considers a payment late if it arrives after 5 p.m. Eastern on the due date shown on your statement. If you miss the deadline, Chase may charge a late fee (the amount varies based on your card and account history, but typically ranges from $25 to $40 for the first late payment). More importantly, a late payment stays on your credit report for seven years and can lower your credit score.
If you're more than 30 days late, Chase reports the missed payment to the credit bureaus. If you're 60 days late, your interest rate may jump to a higher "penalty rate." If you realize you'll miss a due date, contact Chase before the deadline — sometimes they can work with you on timing or waive a single late fee if you've been a good customer.
Paying from a bank account outside Chase
When you click "Pay Bill," Chase asks where the payment should come from. If you want to pay from a checking or savings account at another bank, select "External Bank Account" or "Add New Account." Chase will ask for your routing number and account number — you can find these on a check or by logging into your other bank's website.
Chase typically takes one to three business days to move money from an external account. If you need to pay faster, use a debit card instead — Chase processes debit card payments the same day. Note that paying with a credit card (yours or someone else's) usually isn't an option through Chase's bill pay system, because credit card companies don't allow it.
What to do if a payment doesn't go through
After you submit a payment, Chase shows a confirmation number on screen and sends a confirmation email. Check your email for this confirmation — if you don't see one within a few minutes, the payment may not have gone through. Log back in and check your "Payment History" or "Recent Transactions" to see if the payment posted.
If the payment shows as "Pending," it's on its way and will post within the timeframe Chase gave you (usually one to three business days). If it shows as "Failed" or doesn't appear at all, try submitting the payment again. If it fails a second time, the issue is usually with the external bank account you're paying from — contact that bank to make sure the account is active and has enough funds. If you're paying from a Chase checking account and the payment still fails, contact Chase customer service at the number on the back of your card.
Using the Chase mobile app to pay instead of the website
The Chase mobile app (available on iPhone and Android) works the same way as the website. Download the app, sign in with your username and password, select your credit card, and tap "Pay Bill." You can pay the same amounts and from the same accounts as you would on chase.com. Many people find the app faster because it remembers your sign-in information and you can use fingerprint or face recognition instead of typing your password each time.
Payments made through the app post on the same schedule as website payments — same-day if submitted before the cutoff, or the next business day otherwise. The app also sends push notifications to remind you before your due date, which can help you avoid late payments.
Frequently Asked Questions
Can I pay my Chase credit card bill by phone?
Yes. Call the number on the back of your credit card and follow the automated system to make a payment, or speak to a representative. Phone payments process the same way as online payments — same-day if you call before the cutoff time, usually around 8 p.m. Eastern.
What's the difference between my statement balance and my current balance?
Your statement balance is what you owed on the date your statement closed (usually once a month). Your current balance includes new charges you've made since the statement closed. You only have to pay the minimum due on your statement balance by the due date, but paying your full current balance stops interest from building up.
Does Chase charge a fee to pay my bill online?
No. Chase does not charge a fee for paying your bill through their website, mobile app, or by phone. Paying by mail is also free, though it takes longer to post.
What if I pay more than I owe?
Chase holds the extra amount as a credit on your account. You can use it toward future purchases, or contact Chase to request a refund to your bank account. Some people keep a small credit balance as a buffer in case of an unexpected charge.
Can someone else pay my Chase credit card bill for me?
Yes, if you give them permission. You can authorize another person to make payments on your behalf by adding them as an authorized user or by giving them your login information (though sharing passwords is generally not recommended for security reasons). Alternatively, they can mail a check to the address on your statement with your account number written on it.