The fastest way to pay Chase is through their website or mobile app, where the payment reaches your account within one business day
You can pay your Chase credit card balance online in minutes using Chase.com, the Chase Mobile app, or by setting up automatic payments. Money sent this way posts to your account by the next business day, so you avoid late fees if you're cutting it close. You'll need your card number and online banking login — the same credentials you use to check your balance.
Chase also lets you pay from an external bank account (a checking account at another bank), though that route takes slightly longer. If you're paying from another Chase account you own, the transfer is when ready. The key difference between these routes is timing and which account the money comes from — but all of them funnel to the same place: your Chase credit card balance.
Key Takeaways
- Payments made through Chase.com or the Chase Mobile app post within one business day and cost nothing.
- You can pay from a Chase checking account (when ready), an external bank account (one to three business days), or set up recurring automatic payments.
- Chase shows you a confirmation number when ready after you submit payment, but the money doesn't actually reach your card until the next business day.
- Late fees are charged if your payment is not received by 5 p.m. Eastern time on the due date, regardless of when you submitted it online.
- Automatic payments can be set to your full statement balance, a fixed amount, or just the minimum — and you can change or cancel them anytime.
Paying through Chase.com or the mobile app
Log into your Chase account on their website or open the Chase Mobile app. From your credit card account page, look for a "Pay" button or "Make a Payment" link — the exact wording varies slightly between the website and app, but both are in the same general area. Click it, and Chase will show you your current balance, minimum payment due, and the due date.
Enter the amount you want to pay. You can pay your full statement balance, a partial amount, or just the minimum. If you're paying from another Chase account you own, select that account as the source and submit. The money moves when ready and posts the same day. If you're paying from an external bank account (at a different bank), select that account, enter the routing and account number if it's your first time, and submit. This payment takes one to three business days to post, depending on your bank's processing speed.
Chase sends you a confirmation number on screen when ready after you submit. Write it down or take a screenshot — you'll need it if you ever have to prove you paid on time. The confirmation number is not the same as proof that the money has arrived; it only proves you submitted the payment request.
Setting up automatic payments so you never miss a due date
Automatic payments remove the step of logging in each month. Go to your Chase credit card account, find "Automatic Payments" or "Recurring Payments" (usually under Settings or Account Management), and select "Set Up." Chase will ask you to choose a payment date and an amount.
You have three options for the amount: your full statement balance, a fixed dollar amount you choose, or just the minimum payment due. Most people choose the full balance so the card never carries interest. Pick a date that gives you time to review your statement — the 10th or 15th of the month works well if your due date is the 25th or later. Chase will pull the payment from whichever account you select (a Chase checking account or an external bank account) on that date every month.
You can change or cancel an automatic payment anytime by going back to that same settings page. If you cancel, you'll need to make manual payments again, so don't set it and forget it entirely — check your statement at least once a month to make sure the payment went through and your balance is what you expected.
Understanding posting times and when Chase considers you paid
Chase considers a payment received when it posts to your account, not when you submit it online. Payments submitted through Chase.com or the app post by the next business day. If you submit a payment on a Friday evening, it posts on Monday. If you submit on a holiday, it posts the next business day after that.
Your due date is the important date for the payment to be received — not the important date for you to submit it. If your due date is the 25th and you submit payment on the 24th at 11 p.m., it will post on the 25th and you're on time. But if you submit on the 25th at 11 p.m., it won't post until the 26th, and you'll be charged a late fee. Chase's cutoff time is 5 p.m. Eastern time, so submit by mid-afternoon on your due date to be safe.
Paying from an external bank account and why it takes longer
If you want to pay from a checking account at Bank of America, Wells Fargo, or any other bank, Chase can pull the money directly. The first time you use an external account, you'll need to provide the routing number and account number. Chase verifies the account by depositing two small amounts (usually under $1 each) and asking you to confirm the amounts — this verification takes one to two business days.
Once verified, payments from that external account take one to three business days to post to your Chase card. The variation depends on your bank's processing speed and whether you're paying on a weekend or holiday. If you need the payment to post faster, use a Chase checking account instead (when ready) or pay through your own bank's bill pay system, which may have different timing.
What happens if you submit payment but miss the due date
If you submit a payment after 5 p.m. Eastern time on your due date, Chase will not receive it by the important date, and you'll be charged a late fee. The fee is typically $25 to $35 for the first late payment and higher for subsequent ones. A late payment also appears on your credit report and can lower your credit score.
If you realize you're going to miss the due date, call Chase when ready at the number on the back of your card. Explain that you submitted payment but it won't post in time. Chase sometimes waives a single late fee if you have a good payment history and ask before the due date passes. This is not may provide, but it's worth asking. Going forward, submit payments at least two business days before your due date to avoid this situation.
Paying by phone or mail if you can't use online banking
If you don't have internet access or prefer not to pay online, you can call Chase at the number on your statement to pay by phone. A representative will take your payment information over the phone and process it the same day. Phone payments post within one business day, just like online payments, and there's no fee.
You can also mail a check to the address shown on your statement. Write your account number on the check and mail it at least one week before your due date to account for postal delays. Mailed payments take five to seven business days to post, so this is the slowest option and should only be used if you have no other way to pay.
Frequently Asked Questions
Can I pay my Chase credit card with a debit card?
No. Chase does not let you pay a credit card balance with a debit card through their website or app. You can only pay from a bank account (checking or savings) or another Chase account you own. If you want to use a debit card, you would need to transfer money to a checking account first, then pay from that account.
What if I pay more than my balance?
Chase will credit the overpayment to your account. You can use that credit toward future purchases, or you can request a refund. Call Chase or log into your account to request the refund — they'll mail you a check or deposit it back to the account you paid from, usually within five to seven business days.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount from the minimum payment up to your full balance. If you pay less than the full balance, the remaining amount carries over to next month and you'll be charged interest on it. Paying the full balance every month avoids interest charges entirely.
Why does my payment show as pending instead of posted?
Pending means Chase has received your payment request but hasn't actually moved the money yet. This usually lasts a few hours to one business day. Once it posts, the status changes to completed and your balance updates. Pending payments count as received for the due date, so you're not late.
Can I cancel a payment after I've submitted it?
If the payment is still pending (hasn't posted yet), you can usually cancel it through your Chase account. Once it posts, the money has already reached your card and cannot be cancelled — you would need to request a refund instead. Call Chase if you're unsure whether a payment is still pending.