The main ways to pay your Chase card

You can pay your Chase credit card balance through Chase's website, their mobile app, by phone, by mail, or through automatic payments set up in advance. The fastest method is online or through the app — your payment posts the same business day if you submit it before the cutoff time, usually 8 p.m. Eastern. Phone payments and automatic transfers also post same-day, while mailed checks take 7 to 10 business days to reach Chase and post to your account.

Chase does not charge a fee for any of these payment methods. The only cost you may face is a late fee if your payment arrives after the due date shown on your statement, or interest charges if you carry a balance month to month.

Your due date is set when you open the account and stays the same each month. You can find it on your statement, in the Chase app under "Account Details", or by logging into Chase.com and looking at your account summary. The payment must post by 5 p.m. Eastern on the due date to avoid a late fee.

Key Takeaways

  • Online and app payments post the same business day if submitted before 8 p.m. Eastern, while mailed checks take 7 to 10 business days.
  • Chase charges no fee for any payment method, but you will owe a late fee if your payment posts after your due date.
  • You can set up automatic payments to pay a fixed amount, your statement balance, or your minimum payment on the same date each month.
  • If you pay online or through the app, you can schedule a payment for a future date so it posts on the day you choose.

Paying online or through the Chase mobile app

Log into Chase.com or open the Chase Mobile app, then select your credit card account. Look for a "Pay" button or "Make a Payment" option. Enter the amount you want to pay, choose the date you want it to post (today or a future date), and confirm the payment. The system will show you a confirmation number — save this in case you need to reference the payment later.

If you are paying from a bank account, you will need to add that account first. Chase will ask for your routing number and account number, which you can find on a check or by logging into your bank's website. Once added, that account stays on file and you can use it for future payments without re-entering it.

Payments submitted before 8 p.m. Eastern on a business day post the same day. If you submit after 8 p.m. or on a weekend or holiday, the payment posts the next business day. Chase counts Saturday and Sunday as non-business days, and also does not process payments on federal holidays.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. In the Chase app or on Chase.com, go to "Payments" and select "Manage Automatic Payments" or "Autopay". Choose your credit card account, then pick one of three payment types: a fixed dollar amount each month, your full statement balance, or your minimum payment.

Select the date you want the payment to come out each month — this can be any day from the 1st to the 28th. If you choose the 29th, 30th, or 31st and a month does not have that many days, Chase will process the payment on the last day of that month instead. You will need to specify which bank account the payment should come from.

Most people choose to pay their full statement balance on the due date, which means you will not carry a balance and will not owe interest. If you choose a fixed amount or your minimum payment, any remaining balance will accrue interest at your card's APR until you pay it off. You can change or cancel automatic payments at any time through the same menu.

Paying 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 you want to pay from. The payment posts the same business day if you call before 8 p.m. Eastern on a weekday. Weekend and holiday calls are queued and processed the next business day.

You do not need to set up your bank account in advance to pay by phone — you can provide the routing and account number during the call. However, if you plan to pay by phone regularly, it is faster to add your account to your Chase profile first so the representative can pull it up immediately.

Paying by mail

Write a check payable to Chase, include your account number on the check memo line, and mail it to the address shown on your statement. The address varies by region, so always use the one printed on your bill rather than looking up a general Chase address. Mail typically takes 7 to 10 business days to arrive, so send your check at least 10 days before your due date to be safe.

Include only the check — do not send cash or other documents unless Chase specifically requests them. If you want to confirm your payment was received, you can log into your account a few days after mailing and check whether the payment has posted. If it has not posted within 10 business days, contact Chase to report it.

What happens if you miss a payment

If your payment does not post by 5 p.m. Eastern on your due date, Chase will charge a late fee. The amount depends on your card and your account history — first-time late fees are usually $25 to $35, and repeat late fees can be higher. The late fee appears on your next statement as a separate charge added to your balance.

A late payment also appears on your credit report 30 days after the due date if you have not paid by then. This can lower your credit score and stay on your report for up to seven years. If you miss a payment, pay as soon as you realize it — the sooner you pay, the less interest will accrue on the unpaid balance, and you may be able to ask Chase to waive the late fee if this is your first one.

If you are unable to make a payment, contact Chase before the due date. They may be able to work with you on a payment plan or temporarily lower your interest rate, depending on your situation and account history.

Understanding your statement balance versus your minimum payment

Your statement balance is the total amount you charged during your billing cycle. If you pay this in full by the due date, you will not owe any interest. Your minimum payment is the smallest amount Chase will accept — usually 1 to 3 percent of your balance, plus any fees and interest. Paying only the minimum means the rest of your balance carries over to next month and accrues interest.

The difference matters because interest compounds. If you carry a $1,000 balance at 20 percent APR and pay only the minimum each month, you will pay hundreds of dollars in interest before the balance is gone. If you pay the full statement balance, you owe zero interest. Your statement shows both numbers clearly, and the Chase app displays them side by side so you can compare.

Frequently Asked Questions

What time does Chase process 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 federal holidays post the next business day. Business days are Monday through Friday, excluding federal holidays.

Can I pay my Chase card from another bank's account?

Yes. You can add any bank account to your Chase profile and pay from it, or provide the account details over the phone. Chase will ask for your routing number and account number. The account does not have to be at a major bank — credit unions and smaller banks work as long as they participate in the ACH network.

What if I pay more than my balance?

If you pay more than you owe, the extra amount becomes a credit on your account. You can use it toward future purchases, request a refund by calling Chase, or leave it there to offset next month's balance. Chase will not charge you interest on a credit balance.

How do I know if my payment posted?

Log into Chase.com or the Chase app and check your account summary. Your available credit will increase once the payment posts. You can also look at your recent transactions or payment history. If you paid by mail, allow 7 to 10 business days before checking.

Can I schedule a payment for a specific future date?

Yes, through the Chase app or website. When you make a payment, you can select a future date up to several months out. The payment will post on that date automatically. This is useful if you want to time a payment with your paycheck or ensure it posts on a specific day.