The main ways to pay your Bank of America credit card

You can pay your Bank of America credit card through their website, their mobile app, by phone, by mail, or in person at a branch. The fastest and most common method is online through BankofAmerica.com or the mobile app — both let you pay when ready and see the payment post within one business day. If you prefer not to use the internet, you can call 1-800-421-8949 to pay by phone, or mail a check to the address on your statement.

The method you choose depends on how quickly you need the payment to reach your account and what feels most comfortable to you. Online and app payments are when ready from your perspective, though the actual posting may take a day. Phone and mail payments take longer — mail typically takes five to seven business days, and phone payments may take one to two business days depending on when you call.

Key Takeaways

  • Online payments through BankofAmerica.com or the mobile app are the fastest method and usually post within one business day.
  • You can pay by phone at 1-800-421-8999, though the payment takes one to two business days to post.
  • Mailed checks should be sent to the address printed on your statement and typically take five to seven business days to arrive and post.
  • You can set up automatic payments so your full balance or a set amount pays on the same day each month without you having to remember.
  • Payments made after 11:59 p.m. Eastern Time may not post until the next business day, even if you pay online.

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. Once you are signed in, look for "Make a Payment" or "Pay My Credit Card" — the exact wording varies slightly depending on whether you are on a computer or phone, but it is always in the main menu. Click or tap it, and you will see your current balance and the amount due.

Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Then choose the account you want to pay from (usually a checking or savings account linked to your Bank of America profile). Review the details, confirm the payment, and you will see a confirmation number. The payment is sent when ready, though it may take until the next business day to show up on your credit card account.

If you do not have a Bank of America checking or savings account, you can still pay online using a debit card or bank account from another bank. The process is the same, but you will enter your external account details instead of selecting from linked accounts.

Setting up automatic payments

Automatic payments mean you never have to remember to pay your credit card — Bank of America sends the payment on the same day each month. To set this up, go to the payment section of your online account or app and look for "Set Up Automatic Payments" or "Autopay." You will choose the amount (full balance, minimum payment, or a fixed dollar amount), the day of the month you want it to pay, and which account to pull the money from.

Automatic payments are especially useful if you want to pay your full balance every month and avoid interest charges. They also help you avoid late fees if you sometimes forget payment important date. You can change or cancel an automatic payment at any time through the same menu where you set it up.

Paying by phone

Call 1-800-421-8999 to pay by phone. A Bank of America representative will ask for your credit card number, the amount you want to pay, and the account you want to pay from. They will confirm the details and give you a confirmation number. The payment typically posts within one to two business days.

Phone payments are useful if you do not have internet access or prefer to speak with someone. However, they take longer than online payments and require you to share your account information over the phone, which some people prefer to avoid. If you call outside of business hours, you will reach an automated system that can process payments without a representative.

Paying by mail

Write a check for the amount you want to pay and mail it to the address shown on your credit card statement. Do not send cash through the mail. Include your credit card number on the check so Bank of America knows which account to explore the payment to. Mail typically takes five to seven business days to arrive, so send your payment well before your due date if you want to avoid late fees.

The address for mailed payments is printed on your statement, usually near the top or bottom. If you cannot find it, you can call 1-800-421-8999 and ask for the mailing address. Keep a record of when you mailed the check in case there is a question about whether it arrived on time.

Paying in person at a Bank of America branch

You can walk into any Bank of America branch during business hours and pay your credit card at the teller window. Bring your credit card or account number and the amount you want to pay. The teller will process the payment when ready, and it will post to your account the same day or the next business day.

In-person payments are an option if you prefer to handle money face-to-face or if you are already at a branch for another reason. However, they require you to be near a branch during their hours, which is not convenient for everyone. Most people find online or phone payments faster and easier.

Understanding payment timing and due dates

Your credit card statement shows a due date — this is the last day you can pay without being charged a late fee. Payments made online or through the app are considered received when ready, though they may take one business day to show up in your account. Payments made by phone, mail, or in person take longer, so plan ahead if your due date is coming up soon.

If you pay after 11:59 p.m. Eastern Time, the payment may not post until the next business day, even if you paid online. If your due date falls on a weekend or holiday, Bank of America typically extends the important date to the next business day. Check your statement for the exact due date for your billing cycle.

Frequently Asked Questions

What happens if I pay late?

A late fee is charged if you pay after your due date, usually $25 to $35 depending on your account. You may also be charged interest on your balance if you carry it from month to month. If you are more than 30 days late, the late payment may be reported to credit bureaus and affect your credit score.

Can I pay from a bank account that is not with Bank of America?

Yes. When you pay online or by phone, you can enter details from a checking or savings account at another bank. The payment will be processed as an electronic transfer, which typically takes one to two business days. You will need your routing number and account number from that bank.

Is there a fee to pay my credit card?

No. Bank of America does not charge a fee for paying your credit card, regardless of which method you use. However, if you pay from an external bank account and that bank charges a fee for outgoing transfers, you may see a fee from them — not from Bank of America.

What if I want to pay more than my balance?

You can pay more than your current balance, and the extra amount will show as a credit on your account. You can use that credit toward future purchases, or you can request a refund of the overpayment by calling 1-800-421-8999.

How do I know if my payment went through?

You will receive a confirmation number when ready after paying online or by phone. You can also log into your account and check your recent transactions to see the payment listed. If you paid by mail or in person, check your account a few days later to confirm it posted.