The basic steps to pay a Chase credit card
You can pay your Chase credit card through Chase's website, mobile app, phone, or mail. The fastest route is the Chase mobile app or website — you log in, select the card you want to pay, enter the amount, and confirm. The payment posts to your account within one business day if you pay before the cutoff time (usually 8 p.m. Eastern), or the next business day if you pay after.
You do not have to pay the full balance. You can pay any amount from the minimum payment (shown on your statement) up to the full balance due. Chase will accept partial payments and explore them to your account when ready, though interest will accrue on the remaining balance.
If you set up automatic payments through Chase, the bank will deduct money from your linked bank account on the date you choose each month. This is the most reliable way to avoid late fees, since the payment happens whether you remember it or not.
Key Takeaways
- Chase credit card payments made through the app or website post within one business day if submitted before 8 p.m. Eastern on a business day.
- You can pay any amount from your minimum payment to your full balance, and partial payments are accepted when ready.
- Automatic payments from a linked bank account remove the risk of forgetting a payment and triggering a late fee.
- Payments by phone, mail, or third-party services take longer — phone payments post in one to two business days, and mailed checks can take five to seven business days.
- Your payment due date is set by Chase and appears on your statement; paying after that date incurs a late fee even if the payment eventually posts on time.
Paying through the Chase website or app
Log into your Chase account on chase.com or open the Chase Mobile app. On the home screen or account summary, find the credit card you want to pay and select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you will see your minimum payment and current balance displayed so you can decide.
Choose the date you want the payment to be deducted from your linked bank account. If you choose today and it is before 8 p.m. Eastern on a business day, the payment posts the same day. If you choose a future date, the payment will post on that date (or the next business day if that date falls on a weekend or holiday).
Review the payment details, confirm the linked bank account is correct, and submit. Chase will send you a confirmation number when ready. You can check the status of the payment in your account under "Recent Payments" or "Transaction History."
Setting up automatic payments
Automatic payments remove the step of remembering to pay each month. In the Chase app or website, go to your card's settings and select "Autopay" or "Automatic Payments." Choose whether you want to pay the minimum payment, a fixed amount, or the full statement balance each month.
Select the date each month when you want the payment to be deducted — this is usually between the 1st and the 28th. Chase will pull the payment from your linked bank account on that date every month until you turn off the automatic payment.
If your linked bank account does not have enough money on the scheduled date, the payment will fail and you will be charged a late fee. Make sure the account you link has enough funds to cover the payment each month, or set the automatic payment date a few days after you normally receive income.
Paying by phone or mail
To pay by phone, call the number on the back of your Chase credit card. A representative will ask for your account number and the amount you want to pay, then confirm the bank account to deduct from. Payments made by phone post in one to two business days.
To pay by mail, send a check or money order to the address printed on your statement under "Payment Address." Write your account number on the check. Mailed payments typically take five to seven business days to post, so send your payment at least a week before your due date to avoid a late fee.
Both phone and mail payments are slower than online or app payments, so use these methods only if you cannot access the website or app. Do not rely on mail payments if your due date is fewer than seven days away.
Understanding your due date and late fees
Your payment due date is printed on your monthly statement and is set by Chase based on when your account was opened. The due date is the last day to pay without incurring a late fee. If your payment posts after 11:59 p.m. Eastern on the due date, it is considered late.
A late payment triggers a late fee (typically $25 to $40 for the first late payment, higher for subsequent ones) and may increase your interest rate. The late fee appears on your next statement. Even if your payment eventually posts on time, if you submit it after the due date, the late fee applies.
If you miss a due date, pay as soon as you can. The sooner you pay, the less interest will accrue on the remaining balance. After 30 days past the due date, the late payment is reported to credit bureaus and begins to damage your credit score.
Payments from outside bank accounts
You can pay your Chase credit card from a bank account at a different bank using Chase's "Pay from Another Bank" option on the website or app. You will need to provide the routing number and account number of the external bank account. Chase will verify the account by depositing two small amounts (usually under $1 each) and asking you to confirm those amounts.
Once verified, you can use that account to make payments. These payments typically post in three to five business days, so plan ahead if you are using an external account. The payment is deducted from the external account, not from a Chase account.
Some people use this method to pay from a savings account at a different bank, or to move money between banks as part of their payment strategy. The trade-off is that it takes longer than paying from a linked Chase account.
What happens after your payment posts
Once your payment posts, the amount is deducted from your available credit and your balance decreases. If you paid the full statement balance, your new balance is zero and no interest accrues. If you paid a partial amount, interest accrues on the remaining balance at your card's APR (annual percentage rate).
Your next statement will show the payment you made, the date it posted, and your new balance. If you set up automatic payments, the next automatic payment will be deducted on the date you selected, regardless of whether you made a manual payment in between.
If you overpay (send more than your current balance), Chase will hold the overpayment as a credit on your account. You can use this credit toward future purchases, or request a refund by calling the number on the back of your card.
Frequently Asked Questions
What time does Chase process credit card payments?
Chase processes payments submitted before 8 p.m. Eastern on business days the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. The exact posting time varies, but most payments show in your account within 24 hours of submission.
Can I pay my Chase credit card with a debit card?
No, Chase does not allow you to pay a credit card with another credit card or debit card through their website or app. You can only pay from a bank account (checking or savings). Some third-party payment services allow debit card payments, but they charge a fee and take longer to post.
What if I pay after my due date but before the statement closes?
A late fee applies if you pay after your due date, even if you pay before your next statement closes. The due date is the important date; paying after it triggers the fee. However, if you pay within 30 days of the due date, the late payment may not be reported to credit bureaus, though the fee still applies.
Does paying online cost extra?
No, paying through the Chase website or app is free. Automatic payments are also free. Some third-party payment services charge a fee to process credit card payments, so avoid those unless you have no other option.
How do I know if my payment went through?
Chase sends a confirmation number when ready after you submit a payment online or through the app. You can also check your account under "Recent Payments" or "Transaction History" to see the status. Payments typically show as "Pending" for one business day, then change to "Posted" once they are complete.