Log in to Chase and find your card payment screen
Go to chase.com and enter your username and password on the main login page. If you use Chase Mobile App instead, open it and tap the account icon at the bottom right. Once you are logged in, you will see a dashboard showing all your Chase accounts — checking, savings, credit cards, and any others you hold.
Find your credit card in the list. Chase groups cards by type (like "Credit Cards" or "My Accounts"), so look for the card you want to pay. Tap or click on it to open that card's details page. You will see your current balance, due date, and minimum payment amount displayed at the top.
Key Takeaways
- Chase credit card payments are made through chase.com or the Chase Mobile App by logging in with your username and password.
- You can pay your full balance, minimum payment, or any amount in between, and the payment posts within one to three business days.
- Chase lets you set up automatic payments so the same amount withdraws from your linked bank account on the same day each month.
- Payments made before 8 p.m. Eastern Time on a business day usually post the next day; weekend and holiday payments post the following business day.
- You can pay from any U.S. bank account, not just Chase accounts, by providing the routing number and account number.
Choose your payment amount and source account
On your card's details page, look for a button labeled "Make a Payment" or "Pay Now." Click it to open the payment form. You will see a field asking how much you want to pay. Enter the dollar amount you choose — this can be your full statement balance, your minimum payment, or anything in between.
Next, select which account the money will come from. If you have a Chase checking account, it will appear as an option. You can also pay from a bank account at another bank by selecting "External Bank Account" and entering the routing number and account number. Chase will verify the account with two small deposits (usually under $1 each) that appear in a few days — you then confirm the amounts to prove you own the account.
Confirm the payment date and review details
Chase will ask you to choose when the payment should be processed. You can select today (if it is before 8 p.m. Eastern Time on a business day) or any future date up to several months out. The payment will post to your credit card account within one to three business days of the date you choose, depending on whether it is a weekend or holiday.
Review the summary screen before you submit. It will show the payment amount, the source account, the date you selected, and your new balance after the payment posts. Make sure all details are correct — once you submit, the payment is scheduled and cannot be changed, though you can cancel it before it posts if you need to.
Submit and get your confirmation number
Click "Confirm Payment" or "Submit" (the exact wording varies slightly by device). Chase will process your request and display a confirmation screen with a reference number. Write down or screenshot this number — you will need it if you ever need to contact Chase about this specific payment.
Chase will also send you a confirmation email to the address on file. Check your email (including spam folders) within a few minutes. The email will repeat the payment amount, date, and reference number. Keep this email until the payment posts and you see it reflected in your account.
Set up automatic payments to skip this step each month
If you want to pay the same amount every month without logging in each time, Chase lets you create an automatic payment. On your card's details page, look for "Autopay" or "Automatic Payments" and click it. You will choose an amount (full balance, minimum payment, or a fixed dollar amount), a source account, and a day of the month for the payment to process.
Chase will process the automatic payment on your chosen day each month, and it will post within one to three business days. You can change or cancel the automatic payment anytime by going back to the same screen. Many people set automatic payments for the minimum amount to avoid late fees, then make extra payments by hand when they have the money.
Understand when your payment posts and affects your balance
The date you choose is when Chase processes the payment — not necessarily when it shows up in your account. Payments submitted before 8 p.m. Eastern Time on a business day (Monday through Friday, excluding federal holidays) usually post the next business day. Payments submitted after 8 p.m. or on weekends and holidays post on the next business day after that.
Once the payment posts, your available credit increases and your statement balance decreases. Your credit card issuer reports the new balance to the credit bureaus once a month (usually on your statement closing date), so a payment made mid-month will not show up on your credit report until the next statement closes. This is why paying before your statement closing date is better than paying after it if you want to lower the balance reported to credit bureaus.
What to do if your payment does not post
If your payment was scheduled for today or yesterday and you do not see it in your account, wait until the next business day. Payments often take the full one to three days, especially if you submitted it late in the evening or on a Friday. Log back into Chase and check your payment history — you can find this on your card's details page under "Recent Transactions" or "Payment History."
If three business days have passed and the payment still does not appear, or if you see an error message when you tried to submit, contact Chase customer service at the number on the back of your card. Have your confirmation number ready. Chase can tell you whether the payment is still processing, whether it failed due to insufficient funds or a closed account, or whether there was a system error on their end.
Frequently Asked Questions
Can I pay my Chase credit card from a bank account that is not Chase?
Yes. On the payment form, select "External Bank Account" and enter your routing number and account number. Chase will verify the account with two small test deposits, then you can use it to pay. This takes a few days to set up the first time, but after that it works the same as paying from a Chase account.
What happens if I pay more than my balance?
Chase will hold the overpayment as a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. Most people let small overpayments sit and use them to pay next month's balance.
Does paying online cost extra?
No. Chase does not charge a fee for online payments from a bank account. Some payment methods (like paying by phone with a representative, or paying by check through the mail) may have different rules, but the online portal is always free.
How do I know if my payment was late?
Chase considers a payment late if it posts after your due date. The due date is shown on your statement and on your card's details page in the app or website. If you submit a payment before 8 p.m. Eastern Time on your due date, it will usually post by the next day and count as on time.
Can I schedule a payment for a future date to make sure I do not forget?
Yes. When you make a payment, you can choose any date up to several months in the future. This is useful if you know you will have money on a certain date but want to lock in the payment now. You can change or cancel it anytime before it posts.