How to Pay Your Chase Credit Card Online
Chase Card Services Online Payment: The Basics
You can pay your Chase credit card through Chase's website, their mobile app, or by phone. The most common route is logging into your Chase account online, finding the payment section, and entering the amount and payment date you want. Chase processes most online payments the same business day if you submit before their cutoff time — usually around 8 p.m. Eastern — though the money may not leave your bank account for one to three business days depending on your bank.
You do not have to pay the full balance. You can pay any amount from the minimum due up to your full balance, and you can schedule payments in advance so they happen automatically on a date you choose. If you miss a payment deadline, you can still pay online, but late fees and interest charges will apply based on your card's terms.
Key Takeaways
- Chase processes online payments submitted before 8 p.m. Eastern the same business day, but the money may take one to three business days to leave your bank account.
- You can pay any amount from your minimum due to your full balance, and you can schedule payments to happen automatically on dates you choose.
- Payments made through Chase's website, app, or phone line all reach your account the same way — the method you choose is only about your convenience.
- If you set up automatic payments, Chase will still send you a bill each month, and you remain responsible if the automatic payment fails due to insufficient funds.
Logging In and Making a One-Time Payment
Go to Chase.com and sign in with your username and password. If you do not have an online account yet, you can create one by selecting "Enroll" and entering your card number, Social Security number, and other identifying information. Once you are logged in, look for "Pay Now" or "Make a Payment" — the exact wording varies depending on which version of Chase's website you see, but it is always in the main menu or dashboard.
Select the card you want to pay if you have more than one. Enter the amount you want to pay and the date you want it to process. Chase will show you a confirmation screen with the payment details before you submit. Review it carefully — once you confirm, the payment is scheduled and you cannot cancel it through the website. If you need to stop a payment after confirming, you must call Chase at the number on the back of your card.
After you submit, Chase sends a confirmation number to your email and to your online account. Keep this number in case you need to reference the payment later. The payment will show as "pending" in your account until it processes.
Setting Up Automatic Payments
Automatic payments let you choose an amount and a day each month, and Chase deducts that amount from your bank account on schedule. To set this up, log into your Chase account, go to the payment section, and look for "Autopay" or "Set Up Automatic Payments." You will need to provide your bank account number and routing number so Chase can pull the money via ACH transfer.
You can choose to pay your minimum due, a fixed dollar amount, or your full statement balance automatically each month. If you choose "full statement balance," Chase pays whatever your balance is on the day the payment processes, which means the amount changes month to month. If you choose a fixed amount, you pay the same number every month regardless of your balance.
Automatic payments do not stop Chase from sending you a bill. You still receive a statement each month showing what you owe, and you are responsible if the automatic payment fails — for example, if your bank account does not have enough money on the payment date. If a payment fails, Chase will charge a late fee and report it to credit bureaus if it stays unpaid.
Paying Through the Chase Mobile App
The Chase mobile app works the same way as the website. Open the app, tap the card you want to pay, and select "Pay" or "Make a Payment." Enter your amount and date, review the confirmation, and submit. The payment processes the same way and on the same timeline as a website payment — same-day processing if submitted before the cutoff, one to three business days for the money to leave your bank.
You can also set up automatic payments through the app. The steps are identical to the website version, and the automatic payment will work whether you set it up on the app or online — they are connected to the same account.
Paying by Phone
Call the number on the back of your Chase card to pay by phone. A representative will ask for your card number, the amount you want to pay, and the date you want it to process. They will confirm the details and give you a confirmation number. Phone payments process the same way as online payments — same business day if you call before the cutoff, one to three business days for the money to leave your bank.
Paying by phone is slower than online or app payment because you have to wait for a representative, but it is useful if you do not have internet access or prefer to speak to someone. Some people also use phone payment as a backup if they are having trouble with the website or app.
How Long Payments Take and When Money Leaves Your Bank
Chase distinguishes between when they receive your payment and when the money actually leaves your bank account. When you submit a payment online, by app, or by phone before the cutoff time, Chase records it as received the same business day. However, the actual transfer of money from your bank to Chase happens through the ACH system, which takes one to three business days.
This matters if you are paying close to your due date. If your due date is Friday and you pay online on Thursday evening, Chase records the payment Thursday, but the money may not leave your bank until Monday. Your payment is on time because Chase counts the submission date, not the settlement date. However, if you are paying from a bank account with low funds, the delay means you need to make sure the money is there for one to three more days after you submit.
If you pay by mail, the timeline is much longer — typically seven to ten business days for Chase to receive the check, plus processing time. Online and app payments are faster and more reliable.
What Happens If You Miss a Payment or Pay Late
If your payment does not arrive by the due date shown on your statement, Chase charges a late fee. The amount varies by card and by how late the payment is — your card's terms document lists the specific fee. A payment that arrives one day late and a payment that arrives thirty days late both trigger a fee, though the thirty-day-late payment also damages your credit score more severely.
You can still pay online after the due date has passed. The payment will process the same way, but the late fee stays on your account. If you are more than thirty days late, Chase may report the late payment to credit bureaus, which can lower your credit score and stay on your credit report for seven years. If you realize you will miss a due date, paying as soon as possible — even if it is late — stops additional interest from accruing on the unpaid balance.
Frequently Asked Questions
Can I cancel a payment after I submit it online?
No, you cannot cancel through the website or app once you confirm. If you need to stop a payment, call Chase immediately at the number on your card. If the payment has already processed, you cannot reverse it — you would need to contact Chase to discuss your options, which may include a refund or credit depending on the situation.
Do I have to pay the full balance every month?
No. You can pay any amount from your minimum due up to your full balance. However, if you pay less than the full balance, interest charges apply to the remaining balance at your card's APR. Paying only the minimum due keeps your account current but costs more in interest over time.
What if my automatic payment fails?
Chase will charge a late fee and the payment will not process. You should receive a notification that the payment failed. Log back into your account and make a manual payment, or call Chase to reschedule the automatic payment. If the payment stays unpaid for thirty days, Chase reports it as late to credit bureaus.
Can I pay my Chase card from a different bank's account?
Yes. When you set up a payment, you provide your bank account number and routing number. Chase pulls the money via ACH transfer, which works with any U.S. bank account. The timeline is the same — one to three business days for the money to settle.
Is there a fee to pay my Chase card online?
No. Chase does not charge a fee for online, app, or phone payments. You pay only the amount of the payment itself, with no additional service charge.