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 their website, mobile app, phone, or by mail. The fastest method is online through BankofAmerica.com or the mobile app, where the payment posts the same business day if you pay before the cutoff time (usually 8 p.m. Eastern). Phone payments and mail take longer — phone payments typically post within one business day, and mailed checks take 7 to 10 business days to arrive and process.

Bank of America also lets you set up automatic payments so money transfers from your checking account on a date you choose each month. This removes the risk of missing a due date, though you need to make sure your checking account has enough money on that day.

Key Takeaways

• Online and mobile app payments post the same business day if submitted before 8 p.m. Eastern, making them the fastest option.
• You can pay from a Bank of America checking account, an external bank account, or by debit card through their website or app.
• Setting up automatic payments prevents late fees, but you must may support your checking account has sufficient funds on the scheduled date.
• Mailed checks take 7 to 10 business days to process, so mail payments only if you have time before your due date.
• Your minimum payment and due date appear on your monthly statement and in your online account.

Paying online or through the mobile app

Log into your Bank of America account at BankofAmerica.com or open the mobile app on your phone. Select your credit card account, then look for a "Make a Payment" or "Pay Now" button. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.

Choose the account you want the money to come from. If you have a Bank of America checking account, you can pay directly from it. If your checking account is at another bank, you can add that account's routing and account number to pay from there instead. Bank of America also accepts debit card payments, though some debit cards may have restrictions.

Review the payment details and confirm. If you submit before 8 p.m. Eastern on a business day, the payment posts the same day. If you submit after 8 p.m. or on a weekend, it posts the next business day. You will see the payment reflected in your available credit within hours.

Paying by phone

Call Bank of America's automated payment line at 1-800-435-7000. Have your credit card number and the account you want to pay from ready. The system will guide you through entering the payment amount and confirming the source account.

Payments made by phone before 8 p.m. Eastern on a business day typically post within one business day. If you call after hours or on a weekend, your payment is processed the next business day. You do not need to speak to a representative unless you have questions the automated system cannot handle.

Setting up automatic payments

Automatic payments take money from your checking account on a date you choose each month. Log into your Bank of America account online or in the app, go to your credit card, and look for "Manage Automatic Payments" or "Autopay." Select the account to pay from and choose how much to pay each month — you can set it to the full balance, the minimum payment, or a fixed dollar amount.

Pick the date you want the payment to happen. Bank of America recommends choosing a date after you receive your paycheck so your checking account has the funds. The payment will happen automatically on that date each month until you cancel it. You can change the amount or date anytime, and you can turn off autopay if you need to.

If your checking account does not have enough money on the scheduled date, the payment may fail and you could face overdraft fees from your bank. Check your checking account balance before the autopay date, or set the automatic payment for a date you know you will have funds.

Paying by mail

Write a check for the amount you want to pay and include your credit card account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this address changes depending on which payment center processes your card, so always use the address on your current statement.

Mail payments take 7 to 10 business days to arrive and process. If your payment is due in fewer than 10 days, do not mail it — use online, mobile app, or phone payment instead. Bank of America will not consider a mailed check late based on when you mail it; the date it arrives at their processing center is what counts.

What to do if you cannot pay the full balance

You do not have to pay your full balance each month. Your statement shows a minimum payment amount, usually 1 to 3 percent of your balance. You can pay just the minimum to avoid a late fee, but any balance you do not pay will accrue interest at your card's annual percentage rate (APR).

If you are struggling to pay, contact Bank of America before your due date. They may have hardship programs or payment plans available. Paying late damages your credit score and triggers a late fee, so calling ahead is better than missing a payment.

Avoiding common payment mistakes

The most common mistake is mailing a check when the due date is too soon. Mail takes 7 to 10 business days, so if your due date is in 5 days, your payment will arrive late. Use online, app, or phone payment instead.

Another mistake is setting up autopay but forgetting to check that your checking account has funds on the payment date. If the account is empty, the payment fails and you may face overdraft fees plus a late fee on your credit card. Set a phone reminder a few days before your autopay date to confirm your checking account balance.

Do not assume a payment has posted just because you submitted it. Check your account the next business day to confirm the payment went through. If it did not, contact Bank of America when ready so you can pay another way before your due date.

Frequently Asked Questions

How do I know if my payment posted?

Log into your Bank of America account online or in the app and check your credit card balance and recent transactions. Your payment should appear within hours of submission if you paid online or by app, or within one business day if you paid by phone. Your available credit will increase by the payment amount once it posts.

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

Yes. When you make a payment online or through the app, you can enter the routing number and account number of a checking account at another bank. The payment will transfer from that account to your credit card. This takes the same amount of time as paying from a Bank of America account.

What happens if I pay after my due date?

Bank of America charges a late fee, usually $25 to $35 depending on your card. More importantly, a late payment damages your credit score and stays on your credit report for seven years. If you are more than 60 days late, your interest rate may increase. Contact Bank of America when ready if you miss a due date.

Can I set up autopay for a specific amount instead of the full balance?

Yes. When you set up automatic payments, you can choose to pay the full balance, the minimum payment, or a fixed dollar amount each month. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be charged a late fee.

Is there a fee to pay my credit card?

No. Bank of America does not charge a fee for any payment method — online, app, phone, or mail. However, if you pay from another bank's account and that bank charges a fee for transfers, you would pay that fee to your bank, not to Bank of America.