How to Pay Your Bank of America Credit Card

The main ways to pay your Bank of America credit card

You can pay your Bank of America credit card through online banking, the mobile app, automatic payments, phone, mail, or in person at a branch. The fastest method is online or through the app — the payment posts the same day if you submit it before the cutoff time, which is usually 8 p.m. Eastern. Automatic payments let you set a fixed amount to pay on a date you choose each month, so you never miss a due date.

Each method works the same way: you tell Bank of America how much to take from your checking or savings account and when. The bank then transfers that money to your credit card account. You do not need to contact your card issuer separately or wait for a confirmation — the payment is recorded when ready in your account.

Key Takeaways

• Online banking and the mobile app are the fastest ways to pay, with payments posting the same day if submitted before the evening cutoff.
• Automatic payments remove the need to remember your due date and can be set to pay a fixed amount or your full balance each month.
• Phone and mail payments take longer — phone payments may take one business day and mailed checks can take five to seven business days to post.
• You can pay from any bank account, not just a Bank of America account, by providing the routing and account number.

Paying online through Bank of America's website

Log into your Bank of America account at bankofamerica.com and select your credit card from the accounts list. Click "Make a Payment" or "Pay Now" — the exact wording depends on which version of the website you see. Enter the amount you want to pay and choose the date you want the payment to leave your bank account. You can pay when ready or schedule a payment for a future date up to 365 days out.

If you are paying from a Bank of America checking or savings account, the payment is when ready. If you are paying from an account at another bank, you will need to enter that bank's routing number and your account number. Bank of America will verify the account before the payment goes through, which usually takes one business day the first time you use that account.

Paying through the Bank of America mobile app

Open the Bank of America app, tap your credit card, and look for "Pay" or "Make a Payment" near the top of the screen. Select the amount and the date, just as you would online. The app works the same way as the website — same cutoff times, same posting speed, same ability to schedule payments ahead.

The app also shows your current balance, minimum payment due, and due date on the main card screen, so you can see at a glance what you owe. If you have multiple Bank of America credit cards, you can switch between them and pay each one separately.

Setting up automatic payments

Automatic payments are the most reliable way to avoid late fees. Log into online banking, select your credit card, and look for "Manage Automatic Payments" or "AutoPay." Choose whether you want to pay a fixed amount each month or your full statement balance. Pick the date the payment should leave your account each month — most people choose a date shortly after they get paid or after their statement closes.

You can change or cancel an automatic payment at any time, and you can set up different automatic payments for different cards. If you choose to pay only a fixed amount, make sure it covers at least your minimum payment, or you will still be charged a late fee. If you choose to pay your full balance, the payment will adjust each month based on what you actually owe.

Paying by phone or mail

To pay by phone, call the customer service number on the back of your credit card. A representative will ask for the amount you want to pay and the date you want it processed. Phone payments usually post within one business day. You do not need to provide your full account number — the representative will verify your identity using your card number and other information.

To pay by mail, write a check to Bank of America and include your credit card account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the mailing address for correspondence. Mailed checks typically take five to seven business days to arrive and post, so send your payment well before your due date to avoid a late fee.

Paying in person at a Bank of America branch

You can walk into any Bank of America branch and pay your credit card with cash, a check, or a debit card. A teller will process the payment and give you a receipt. In-person payments post the same day if you make them before the branch closes. This method is useful if you prefer to handle money in person or if you have a large cash payment.

You do not need an account at that specific branch — any Bank of America branch can process a payment on your credit card. Bring your card or your account number so the teller can explore the payment to the correct account.

What to know about payment timing and due dates

Your credit card statement shows a due date, which is the last day you can pay without being charged a late fee. If you pay online or through the app before 8 p.m. Eastern on the due date, the payment counts as on time. If you pay by phone, mail, or in person, the payment counts as on time if it is received by the due date — not if you send it by the due date.

If you miss your due date, Bank of America will charge a late fee and may report the late payment to credit bureaus, which can lower your credit score. If you realize you will miss the due date, call customer service when ready — sometimes they can waive a single late fee if you have a good payment history.

Frequently Asked Questions

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

Yes. When you set up the payment, enter the other bank's routing number and your account number at that bank. Bank of America will verify the account before processing the payment, which usually takes one business day. After that, you can use the same account for future payments without re-verifying.

What is the cutoff time for same-day posting?

Online and app payments post the same day if submitted before 8 p.m. Eastern. Phone payments may take one business day. In-person and automatic payments post on the date you select. Mail payments take five to seven business days from the time Bank of America receives them.

Will I be charged a fee to pay my credit card?

No. Bank of America does not charge a fee for any standard payment method — online, app, phone, mail, or in person. Some third-party payment services may charge a fee, but Bank of America's own channels are free.

Can I pay more than my minimum payment?

Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. You can also pay your full balance each month through automatic payments if you want to avoid interest entirely.

What happens if I pay after the due date?

Bank of America will charge a late fee and report the late payment to credit bureaus. The late fee amount depends on your card terms. A single late payment can lower your credit score by 100 points or more. If you miss the due date, contact customer service as soon as possible — they may waive the fee if you have a good history.