The fastest way to pay your Bank of America credit card bill

You can pay your Bank of America credit card bill through their website, mobile app, by phone, or by mail. The website and app are fastest — both let you pay in minutes without waiting for a representative. If you pay online or through the app, the payment posts the same business day if you submit it before the cutoff time, which is usually 8 p.m. Eastern.

Bank of America does not charge a fee to pay your bill through any of these methods. The only time you might pay a fee is if you use a third-party payment service or pay by phone with a representative (some third-party processors charge their own fees, though Bank of America's phone line does not).

Key Takeaways

  • Paying online through BankofAmerica.com or the mobile app is free and posts the same business day if submitted before 8 p.m. Eastern.
  • You can set up automatic payments to pay a fixed amount or your full balance on a date you choose each month.
  • Payments by mail take 5 to 7 business days to reach Bank of America, so mail your check well before your due date.
  • You can pay by phone at 1-800-432-1000, but this method is slower than online and should be used only if you cannot access the website or app.

Paying online through the Bank of America website

Go to BankofAmerica.com and sign in with your username and password. Click on your credit card account, then select "Make a Payment" or "Pay Now." Enter the amount you want to pay and the date you want the payment to post. If you choose a date in the future, the payment will process on that date. If you choose today, it will post the same business day if submitted before 8 p.m. Eastern.

You can pay from a Bank of America checking or savings account, or from an account at another bank. If you use an external account, you will need to add it first by providing the routing number and account number. Bank of America will verify the account with two small deposits, which takes 1 to 2 business days.

Paying through the Bank of America mobile app

Open the Bank of America mobile app and sign in. Tap your credit card account, then tap "Pay" or "Make a Payment." Enter the amount and the date you want the payment to post. The process is the same as the website — payments submitted before 8 p.m. Eastern post the same business day.

The app also shows your current balance, due date, and minimum payment in one view, so you can see exactly what you owe before you pay. This can be faster than logging into the website if you are paying on your phone.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. In the Bank of America website or app, go to your credit card account and look for "Manage Automatic Payments" or "Autopay." You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment. Select the date each month when you want the payment to go out.

Bank of America will pull the payment from whichever account you choose — a Bank of America account or an external account. If your balance changes or you need to skip a payment in a particular month, you can turn off autopay temporarily or adjust the amount before the payment date.

Paying by phone

Call Bank of America at 1-800-432-1000 and follow the prompts to reach the credit card payment line. You can pay with a debit card, another credit card, or a bank account. Payments by phone are processed the same business day if you call before 8 p.m. Eastern, though you will need to wait on hold to speak with a representative.

This method is slower than paying online or through the app because you cannot do it instantly. Use it only if you cannot access the website or app, or if you need to discuss your account with a representative at the same time.

Paying by mail

You can mail a check to the address printed on your credit card statement. Write your account number on the check and include the payment stub from your statement if one was sent. Mail your payment at least 5 to 7 business days before your due date to make sure it arrives on time.

Mailing a payment is the slowest method because the check has to travel through the postal system and then be processed by Bank of America. If you are close to your due date, do not use this method — pay online or by phone instead.

What happens if you miss your due date

If your payment does not arrive by your due date, Bank of America will charge a late fee. The amount of the late fee depends on your account and the terms of your card, but it is typically between $25 and $40 for the first late payment. You will also be charged interest on any unpaid balance at your card's regular interest rate.

If you miss a payment by more than 30 days, the late payment will appear on your credit report and can lower your credit score. If you realize you will miss your due date, contact Bank of America before the date passes — they may be able to waive the late fee or work out a payment plan with you.

Frequently Asked Questions

How long does it take for a payment to post if I pay online?

Payments submitted through the Bank of America website or app before 8 p.m. Eastern post the same business day. If you submit after 8 p.m. or on a weekend or holiday, the payment will post the next business day.

Can I pay my Bank of America credit card from another bank's account?

Yes. You can link an external bank account to your Bank of America credit card and pay from it. The first time you add an external account, Bank of America sends two small deposits to verify it, which takes 1 to 2 business days. After that, payments process the same day.

What is the difference between my statement balance and my current balance?

Your statement balance is what you owed on your last billing date. Your current balance includes any new charges since then. You can pay either amount, but paying your full statement balance by the due date avoids interest charges on those purchases.

Can I change or cancel an automatic payment after I set it up?

Yes. Log into your Bank of America account, go to "Manage Automatic Payments," and you can change the amount, the date, or turn off autopay entirely. Changes take effect on your next scheduled payment date.

What should I do if my payment was rejected?

Bank of America will send you a notice if a payment fails. The most common reasons are insufficient funds in the account you are paying from, or an expired or incorrect account number. Log back into your account, check the account details, and try again with a different payment method if needed.