The fastest way to pay is through Chase's website or mobile app, where you can make a one-time payment in minutes without calling anyone
You have five main routes to pay a Chase credit card bill: the Chase website, the Chase mobile app, automatic payments set up in advance, phone payment to Chase's automated system, or mailing a check. The website and app are fastest for a single payment right now. Automatic payments are best if you want the same amount to leave your account on the same day each month. Phone and mail are slower but work if you do not have online access.
Chase does not charge a fee to pay your bill through any of these methods. The only cost is what you owe — the balance, any interest, and any fees that have already been added to your account. If you are paying late, you may face a late fee (usually $25 to $39 depending on your account history) and a higher interest rate on future purchases, but paying now stops those from getting worse.
Key Takeaways
- You can pay through Chase.com, the Chase mobile app, or by phone to Chase's automated system without fees or waiting on hold.
- Automatic payments let you set a fixed amount or your full balance to pay on a date you choose each month, and you can change or cancel them anytime.
- Mailed checks take 7 to 10 business days to reach Chase, so send them early if your due date is soon.
- If you miss a payment, a late fee and higher interest rate may be added, but paying immediately stops further penalties from starting.
- Chase's website shows your current balance, due date, and minimum payment, so you know exactly what you owe before you pay.
Paying online through Chase.com or the mobile app
Log into your Chase account at Chase.com or open the Chase mobile app on your phone. Select your credit card account, then look for a button labeled "Pay Bill" or "Make a Payment." Enter the amount you want to pay (you can pay the full balance, the minimum payment, or any amount in between) and choose the date you want the payment to leave your bank account. The payment usually posts to your Chase account within one business day.
You will need a bank account to link to Chase for the payment to come from — either a checking or savings account at any U.S. bank. If you do not have a linked bank account yet, Chase will ask you to add one during the payment process. You will need your routing number and account number, which you can find on a check or in your bank's app.
Setting up automatic payments so you never miss a due date
Automatic payments remove the need to remember to pay each month. In your Chase account, go to "Payments" or "Manage Payments," then select "Set Up Automatic Payment" or "AutoPay." Choose whether you want to pay your full statement balance, the minimum payment, or a fixed dollar amount each month. Pick the day of the month you want the payment to leave your bank account — many people choose a few days after payday so the money is there.
Once automatic payments are set up, Chase will pull that amount from your linked bank account on the same day each month. You can change the amount, the date, or the payment method anytime by logging back into your account. You can also pause or cancel automatic payments if you need to. If your bank account does not have enough money on the payment date, the payment will fail and you may be charged an overdraft fee by your bank — so make sure the money is there.
Paying by phone to Chase's automated system
Call the number on the back of your Chase credit card. Follow the prompts to enter your card number and the amount you want to pay. The automated system will ask you which bank account to pull the money from and confirm the payment date. You do not need to speak to a person — the entire call takes about five minutes.
Payments made by phone usually post within one business day, the same as online payments. If you prefer to speak with a Chase representative instead of using the automated system, you can stay on the line after the prompts end, but this will take longer.
Mailing a check to Chase
Write a check for the amount you owe and mail it to the address shown on your Chase statement or bill. Do not send cash — only checks or money orders. Include your account number on the check so Chase knows which account to credit. Mail your check at least 10 business days before your due date to account for mail delivery time.
Chase's mailing address varies by region and account type. Check your most recent statement or log into your Chase account to find the correct mailing address for your card. Mailing a check is the slowest method — Chase may not receive it for 7 to 10 business days, and it takes another 1 to 2 business days to post to your account after they receive it.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Chase will charge a late fee (usually $25 to $39, depending on your account history and how much you owe). Your interest rate may also jump to a higher "penalty rate" on any new purchases you make. These penalties make your debt more expensive, so paying as soon as you realize you are late stops them from getting worse.
A late payment also shows up on your credit report and can lower your credit score. The damage is worst if you are 30 or more days late. If you are only a few days late, paying immediately is still important, but the credit impact is smaller than if you wait longer. If you know you will be late, call Chase before the due date to explain your situation — they cannot waive the fee, but they can tell you what options exist.
Paying more than the minimum to reduce interest and debt faster
Your Chase statement shows a minimum payment (usually 1 to 3 percent of your balance) and your full balance due. Paying only the minimum keeps your account current, but you will pay a lot of interest over time. Paying more than the minimum — or paying your full balance — reduces the interest you owe and gets you out of debt faster.
For example, if you owe $5,000 and pay only the minimum each month, it may take years to pay off and cost thousands in interest. If you pay $200 or more per month, you will be debt-free in under two years and pay far less interest. You can pay any amount between the minimum and your full balance, so even paying $50 more than the minimum helps.
Frequently Asked Questions
Can I pay my Chase credit card bill with a debit card or another credit card?
No. Chase only accepts payments from a linked bank account (checking or savings). You cannot pay a credit card bill with another credit card or a debit card through Chase's official payment system. Some third-party payment services claim to let you do this, but they charge high fees and are not recommended.
What if I pay my bill but it does not show up in my account?
Online and phone payments usually post within one business day. If you paid more than a day ago and it still does not show, log into your Chase account and check the "Payment Status" or "Recent Payments" section to see if the payment is pending. If it shows as pending, wait one more business day. If it shows as failed, you will see a reason why — usually an incorrect bank account number or insufficient funds. You can try paying again with corrected information.
Can I pay my Chase bill before my due date?
Yes. You can pay anytime, and paying early is a good idea if you have the money. Paying before your due date lowers your balance faster and reduces the interest you owe. There is no penalty or fee for paying early.
What if I cannot afford to pay my full balance?
Pay at least the minimum payment by the due date to keep your account current and avoid late fees. If you cannot afford even the minimum, call Chase before your due date to discuss hardship options — they may be able to lower your payment temporarily or set up a payment plan. The sooner you call, the more options may be available.
Do I need to pay my bill if I am disputing a charge?
Yes. You still need to pay at least the minimum payment on your full balance, including the charge you are disputing. You can file a dispute with Chase at the same time you pay. If Chase agrees the charge was wrong, they will credit your account. If you do not pay while disputing, you may be charged a late fee and interest.