The four ways to pay your Bank of America credit card
You can pay your Bank of America credit card through the online banking portal, the mobile app, automatic payments, or by phone. The online portal and app both let you pay when ready and see your balance update within hours. Automatic payments deduct a set amount on a date you choose each month. Phone payments go through a customer service representative and take the same time as online payments.
The fastest route for a one-time payment is the mobile app or online banking—both process when ready and show your payment reflected in your available credit right away. If you want to set it and forget it, automatic payments are the most reliable method because they happen on schedule without you having to remember.
Key Takeaways
- Online banking and the mobile app process payments when ready and show your new balance within hours.
- Automatic payments require you to set them up once, then deduct a fixed amount on the same date each month.
- You can pay the full statement balance, the minimum payment, or any amount in between.
- Phone payments take the same time as online payments but require you to speak with a representative.
- Bank of America does not charge a fee to pay your credit card bill through any of these methods.
Paying online through Bank of America's website
Log into your Bank of America account at bankofamerica.com using your username and password. Once you are logged in, select your credit card account from the list of accounts on the left side of the screen. Look for a button labeled "Make a Payment" or "Pay Now"—it is usually near the top of the account details.
Enter the amount you want to pay. You can pay your full statement balance, your minimum payment, or any amount between the two. Choose the date you want the payment to leave your account—Bank of America typically offers same-day payment or a date up to 15 days in the future. Review the details and confirm. The payment processes when ready, and your available credit updates within a few hours.
Paying through the Bank of America mobile app
Open the Bank of America mobile app and sign in with your username and password. Tap on your credit card account to view your balance and recent transactions. Look for a "Pay" button, usually displayed prominently near your account balance at the top of the screen.
Tap the Pay button and enter the amount you want to send. Select the payment date—same-day or future dates are both available. Confirm the payment, and it processes right away. The app shows your updated balance and available credit within hours. This method works the same way as the website but is often faster if you are paying from your phone.
Setting up automatic payments
Automatic payments remove the need to remember to pay each month. Log into your Bank of America account online, go to your credit card, and look for "Manage Automatic Payments" or "Autopay Settings." Click to set up a new automatic payment.
Choose the amount you want to pay each month—you can select the full statement balance, the minimum payment, or a fixed dollar amount. Pick the date the payment should leave your account each month. Bank of America will deduct that amount automatically on that date, every month, until you cancel it. You can change or cancel automatic payments anytime by going back to the same settings page.
Paying by phone
Call Bank of America's customer service number on the back of your credit card. A representative will ask for your account number and the amount you want to pay. Tell them whether you want to pay from a checking account, savings account, or another Bank of America account.
The representative will confirm the payment date and process the payment over the phone. This method takes the same amount of time as online or app payments—your balance updates within hours. Use this method if you prefer speaking to someone or if you are having trouble with the online or app payment process.
What happens if you miss a payment date
If your payment does not arrive by the due date shown on your statement, Bank of America reports it as late to credit bureaus. A late payment can lower your credit score and may trigger a late fee, which varies depending on your card terms. The longer a payment stays overdue, the more serious the impact on your credit.
If you realize you have missed a payment, log in and pay as soon as possible. Contact Bank of America customer service to ask whether they can waive the late fee—some customers have success with this, especially if it is your first late payment. Going forward, set up automatic payments to prevent this from happening again.
Paying more than your statement balance
You can pay more than your statement balance at any time. This reduces your interest charges if you carry a balance month to month. For example, if your statement balance is $500 but you pay $750, the extra $250 goes toward your principal balance and lowers the amount that accrues interest.
Some people pay their full balance every month to avoid interest entirely. Others make extra payments between statement dates to pay down debt faster. Bank of America does not charge you for paying early or paying more than the minimum—there is no penalty for either.
Frequently Asked Questions
Can I pay my Bank of America credit card from another bank's account?
Yes. You can set up a transfer from an external bank account through Bank of America's bill pay feature or by providing your credit card details to your other bank's bill pay system. Transfers from external accounts typically take one to three business days to post, so plan ahead if your payment is due soon.
What if I pay my credit card bill but the payment does not show up?
Payments processed online or through the app show up within a few hours. If more than a day has passed and you do not see it, log back into your account and check the payment status—it may still be pending. If it shows as processed but your balance has not changed, contact Bank of America customer service to investigate.
Is there a fee to pay my credit card bill?
No. Bank of America does not charge a fee for paying your credit card bill through any method—online, app, automatic payments, or phone. Some credit cards charge fees for certain types of payments, but Bank of America credit cards do not.
Can I set up automatic payments for just part of my balance?
Yes. When you set up automatic payments, you can choose to pay a fixed dollar amount each month instead of the full balance. For example, you could set it to pay $200 every month, even if your balance is higher. You would still owe the remaining balance plus interest.
What time of day does my automatic payment go through?
Bank of America does not specify an exact time—automatic payments process sometime during the day you select. If you need the payment to go through at a specific time, use a one-time payment through the app or website instead, where you have more control over the timing.