Where to Send Your Chase Credit Card Payment
Send payments to the address on your Chase statement or billing notice
Chase prints a payment address on every monthly statement you receive—either in the mail or in your online account. That address is the one to use. Do not mail a payment to a Chase branch address or a general corporate office; those will delay your payment by weeks or send it to the wrong department.
The payment address changes depending on which Chase card you hold and which processing center handles your account. This is why the address on your statement matters: it routes your check or money order directly to the team that records payments for your specific account.
If you cannot find a printed statement, log into your Chase online account or mobile app. The payment address appears under "Make a Payment" or in the account details section. You can also call the customer service number on the back of your card and ask for the current mailing address.
Key Takeaways
- The payment address printed on your monthly statement is the correct one to use; it changes by card and processing center.
- Mailing a payment to a Chase branch or corporate office will delay it and may send it to the wrong department.
- If you do not have a statement, find the address in your online account under "Make a Payment" or call the number on your card.
- Mail payments take five to seven business days to arrive and post; sending early prevents late fees if mail is slow.
- Online payments through your Chase account post the same day or next business day and carry no mailing risk.
How long a mailed payment takes to reach Chase
A check or money order mailed to Chase typically takes five to seven business days to arrive at the processing center. Once it arrives, Chase staff scan it and post it to your account, which usually happens within one to two business days after receipt. This means a payment mailed on a Monday might not post until the following Wednesday or Thursday.
Chase calculates your payment due date based on when the payment posts to your account, not when you mail it. If your due date is the 20th and you mail a payment on the 18th, but it does not post until the 22nd, you will be charged a late fee. To avoid this, mail payments at least one week before your due date.
Weekends and holidays add extra days. A payment mailed on Friday will not begin its journey until Monday. A payment mailed the day before a holiday may not arrive at the processing center until after the holiday.
What information to include with your mailed payment
Write your account number on the front of your check or money order in the memo line. This is the most important step: without it, Chase staff may not know which account to credit. Your account number appears on your statement and on the front of your card.
Include a copy of the payment coupon from your statement if you have one. The coupon has your account number, the amount due, and the due date printed on it. Chase's processing system reads these coupons automatically, which speeds up posting. If you do not have the coupon, writing your account number on the check is enough.
Do not send cash. Use a check, money order, or cashier's check only. Do not include other documents or letters unless you are reporting a dispute or error; those will be separated from your payment and may delay posting.
Online and phone payment options that post faster
Paying through your Chase online account or mobile app posts the same day if you pay before the cutoff time (usually 8 p.m. Eastern) or the next business day if you pay after. You can schedule a payment for a future date, which is useful if you want to pay on payday but your due date is sooner. Chase does not charge a fee for online payments.
You can also pay by phone by calling the number on the back of your card. A representative will take your payment information and process it immediately. Phone payments also post the same day or next business day. Chase does not charge for phone payments either.
If you set up automatic payments through your Chase account, the payment will post on the date you choose each month. You can choose to pay the full statement balance, the minimum payment, or a fixed amount. Automatic payments eliminate the risk of forgetting a due date.
What happens if your mailed payment arrives late
If your payment posts after your due date, Chase will charge a late fee. The fee amount depends on your card's terms, but typically ranges from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher. A late payment also appears on your credit report and can lower your credit score.
If you realize your mailed payment will arrive late, call Chase immediately. Explain that you mailed the payment on time but it is delayed in the mail. Chase cannot remove a late fee that has already posted, but in some cases a representative may reverse it if you have a good payment history. The sooner you call, the better your chances.
To prevent late fees, use online or phone payments for time-sensitive payments, or mail checks at least one week early. If you are mailing close to the due date, consider paying online instead.
Payment address for different Chase card types
Chase issues many card products—Chase Sapphire, Chase Freedom, Chase Ink Business, and others—and each may have a different mailing address. The address on your statement is always correct for your specific card. Do not assume that a payment address you used for one Chase card works for another card you hold.
If you hold multiple Chase cards, keep each statement or bookmark the payment page for each card in your online account. Mailing a payment to the wrong address will delay posting and may trigger a late fee on the card you intended to pay.
Some Chase business cards have different payment addresses than personal cards. Check your statement every time, even if you have paid the same card before.
Frequently Asked Questions
Can I pay my Chase card at a Chase ATM or branch?
No. Chase ATMs do not accept credit card payments. You must mail a payment to the address on your statement, pay online through your account, or call the number on your card. Visiting a branch in person may be possible at some locations, but it is not may provide and will not be faster than mailing or paying online.
What if I send a payment to the wrong address?
The payment may be returned to you or forwarded to the correct processing center, which delays posting by one to two weeks. If this happens and your due date passes, you will be charged a late fee. Always use the address on your current statement to avoid this.
Do I need to include a return envelope with my payment?
No. Chase does not send return envelopes with statements anymore. Use a standard business envelope and a first-class stamp. Write the payment address clearly and include your account number on the check.
Can I pay someone else's Chase card if I have their permission?
Yes, but only if you mail a check or money order with their account number written on it, or if you are an authorized user on their account and can pay online. You cannot pay by phone on someone else's account unless you are listed as an authorized payer. Ask the cardholder to set you up as an authorized payer in their online account if you will be paying regularly.
What if my payment gets lost in the mail?
If a payment does not post within ten business days of mailing, call Chase and report it. Have your account number and the amount and date you mailed ready. Chase can search for the payment and may be able to locate it or issue a credit. Keep a record of when you mailed each payment in case you need to prove it.