How to Pay Your Bank of America Credit Card Bill

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

You can pay your Bank of America credit card bill through your online account, the mobile app, by phone, or by mail. The online account and mobile app are the fastest — payments show as pending within minutes and post within one to two business days. If you pay by phone, you'll speak to a representative who takes your payment information over the phone. Mail takes seven to ten business days, so use it only if you have no other option.

You don't have to wait for a bill to arrive to pay. You can pay any amount at any time, and you can set up automatic payments so the bill is paid the same way every month without you having to remember.

Key Takeaways

• Online and mobile app payments are fastest and show as pending within minutes, posting within one to two business days.
• You can pay through your Bank of America account, by phone at 1-800-432-1000, or by mailing a check to the address on your statement.
• Automatic payments can be set to pay your full balance, a fixed amount, or your minimum payment on a date you choose each month.
• Payments made before 8 p.m. Eastern Time on a business day usually post the next business day.

Paying through your online Bank of America account

Log into your Bank of America account at bankofamerica.com. Click on your credit card account, then look for a "Pay" or "Make a Payment" button — the exact label varies depending on which version of the site you're using. Enter the amount you want to pay and the date you want it to post. You can choose to pay from a Bank of America checking or savings account, or from an external bank account you've already linked to your profile.

If you're paying from an external account for the first time, Bank of America will ask you to verify it. This usually takes one to two business days. After that, you can pay from that account when ready. The payment itself posts within one to two business days after you submit it.

Paying through the Bank of America mobile app

Open the Bank of America mobile app and tap your credit card account. Tap "Pay" or "Make a Payment," enter the amount, and choose the date and the account you're paying from. The process is the same as online, and the payment posts on the same timeline — one to two business days.

The mobile app also shows you your current balance, minimum payment due, and due date at a glance, so you can check before you pay. If you've set up automatic payments, you can see the next scheduled payment date in the app as well.

Paying by phone

Call Bank of America at 1-800-432-1000 and follow the prompts to speak to a representative. Have your credit card number and the account you're paying from ready. The representative will take your payment information and process the payment over the phone. Payments made before 8 p.m. Eastern Time on a business day usually post the next business day.

Paying by phone is slower than online or mobile, and you'll need to speak to someone, but it's an option if you can't access your account online or prefer to talk through the payment with a person.

Paying by mail

Write a check and mail it to the address shown on your credit card statement. Do not mail cash. Include your account number on the check so Bank of America knows which account to credit. Mail payments take seven to ten business days to arrive and post, so send your check well before your due date if you want to avoid a late payment.

The mailing address on your statement is the correct one to use. Do not send payment to a Bank of America branch or any other address, as it may be delayed or sent to the wrong department.

Setting up automatic payments

You can set up automatic payments so your bill is paid the same way every month without you having to remember. Log into your online account or open the mobile app, go to your credit card, and look for "Automatic Payments" or "Autopay." Choose the date you want the payment to be made each month, the amount (full balance, a fixed amount, or minimum payment), and the account to pay from.

If you choose to pay your full balance automatically, the payment will be for whatever your balance is on the day the payment posts, not the day you set it up. This means the amount can change month to month. If you choose a fixed amount, the same amount will be paid every month, and you'll still owe the rest if your balance is higher. You can change or cancel automatic payments at any time through your account.

What to do if your payment doesn't post

Payments usually post within one to two business days. If more than two business days have passed and you don't see the payment in your account, log in and check the status. Your account will show whether the payment is pending, posted, or failed. If it failed, the reason will be listed — usually because the external account didn't have enough funds or the account information was incorrect.

If the payment is still pending after two business days, contact Bank of America at 1-800-432-1000 to confirm it was received. If the payment failed, you'll need to make a new payment. Do not send another payment if the first one is still pending, as you may end up paying twice.

Frequently Asked Questions

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

Yes. You can link an external bank account to your Bank of America profile and pay from it. The first time you use a new external account, Bank of America verifies it, which takes one to two business days. After that, you can pay from that account when ready. Payments post within one to two business days.

What happens if I pay after my due date?

If your payment posts after your due date, Bank of America will report the late payment to credit bureaus and may charge a late fee. The late fee amount depends on your card terms. Even one day late counts as a late payment. If you're close to your due date, pay online or by phone rather than by mail to make sure it posts in time.

Can I pay more than my balance?

Yes. If you pay more than you owe, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request a refund. Contact Bank of America to request a refund if you've overpaid.

Is there a fee to pay my credit card bill?

No. Bank of America does not charge a fee to pay your credit card bill online, through the mobile app, by phone, or by mail. There are no hidden fees for any payment method.

What time of day should I pay to make sure it posts by my due date?

Pay before 8 p.m. Eastern Time on a business day to have the best chance of the payment posting the next business day. Payments made after 8 p.m. or on weekends and holidays may not post until the following business day. If your due date is tomorrow, pay today by phone or online rather than waiting.