The fastest way to pay is through the Bank of America website or mobile app, where you can send money from a linked bank account in minutes

You have four main ways to pay: online through your Bank of America account, by phone, by mail, or in person at a branch. Online and the mobile app are fastest—payments post the same day if you submit before the cutoff time, which is usually 8 p.m. Eastern. Phone and mail take longer and carry more room for error, so use them only if you cannot access the website or app.

The amount you owe appears on your statement and in your online account. You can pay the full balance, the minimum payment, or any amount in between. Paying more than the minimum reduces interest charges, but only the full balance stops interest from accruing on new purchases.

Key Takeaways

  • Online and mobile app payments post the same day if submitted before 8 p.m. Eastern, while phone and mail payments take three to five business days.
  • You can pay from a linked Bank of America account, an external bank account, or by debit card through the website or app.
  • The minimum payment is listed on your statement, but paying only the minimum means you will owe interest on the remaining balance.
  • If you miss a payment important date, contact Bank of America when ready—late fees start at $25 and can trigger a higher interest rate on future purchases.

Paying online or through the mobile app

Log into your Bank of America account on the website or open the mobile app, then select your credit card from the accounts list. Look for "Make a Payment" or "Pay Now" and enter the amount you want to send. You will see a dropdown menu asking where the money should come from—this is usually your Bank of America checking account, but you can link an external bank account if you prefer.

Choose your payment date. If you select today or tomorrow, the payment posts the same day (if before 8 p.m. Eastern) or the next business day. If you schedule it for a future date, the money leaves your account on that date. Review the details, confirm, and the transaction is complete. You will receive a confirmation number and can check the status in your account history.

The mobile app works the same way and is often faster if you are paying on the go. Both the website and app show your current balance, minimum payment due, and the date your payment is due.

Paying by phone

Call the customer service number on the back of your credit card. Have your account number and the bank account you want to pay from ready. A representative will walk you through the payment, ask how much you want to send, and confirm the date it should post. Phone payments take three to five business days to appear in your account.

This method works if you do not have internet access or prefer speaking to someone, but it is slower than online payment and leaves a phone record instead of a written confirmation you can read. Ask for a confirmation number before you hang up.

Paying by mail

Write a check or money order, include your account number on the back, and mail it to the address printed on your statement. Mail payments take five to seven business days to arrive and post, so send your check at least a week before your due date to avoid a late payment.

This is the slowest method and the easiest to lose in transit. Use it only if you have no other option. Always keep a copy of the check or a photo of the front and back for your records.

Paying in person at a Bank of America branch

Walk into any Bank of America branch with your credit card and the amount you want to pay in cash or check. A teller will process the payment and give you a receipt. The payment posts the same day or the next business day depending on when you submit it.

This method works if you prefer handling money in person or do not have a bank account to link online. Bring your credit card or account number so the teller knows which account to credit.

What happens if you miss a payment

If your payment does not arrive by the due date, Bank of America charges a late fee—usually $25 for the first late payment, up to $35 for subsequent ones within six months. More importantly, a late payment can trigger a penalty APR, a higher interest rate that applies to your entire balance, not just new purchases. This rate can stay in place for six months or longer.

If you realize you will miss the due date, call the customer service number on your card when ready. Some representatives can waive a single late fee if you have a good payment history, though this is not may provide. Paying as soon as possible after you miss the important date limits the damage—the fee is charged once, but interest accrues daily on the unpaid balance.

Automatic payments and payment reminders

Set up automatic payments through your Bank of America account to send a fixed amount on the same day each month. You can choose to pay the full balance, the minimum, or a specific dollar amount. This removes the risk of forgetting a due date, though you should still check your statement each month to make sure the payment went through.

If you prefer to pay manually, set a phone reminder or calendar alert for a few days before your due date. This gives you time to submit the payment and have it post before the important date.

Frequently Asked Questions

Can I pay my Bank of America credit card with a credit card from another bank?

No. Bank of America only accepts payments from bank accounts (checking or savings), debit cards, or cash at a branch. Paying a credit card with another credit card is not allowed and would count as a cash advance, which carries a higher interest rate and an upfront fee.

What time does my payment need to be submitted to post the same day?

Online and mobile app payments submitted before 8 p.m. Eastern time post the same day. Payments submitted after 8 p.m. post the next business day. Weekends and holidays do not count as business days, so a payment submitted Friday evening posts Monday.

Do I have to pay the full balance, or can I pay just part of it?

You can pay any amount from the minimum payment up to the full balance. Paying only the minimum means you will owe interest on the remaining balance. Paying more than the minimum reduces the total interest you pay over time.

What if my payment was submitted but has not posted yet?

Check your account history in the Bank of America website or app to see the payment status. Online and mobile payments usually post within one business day. If more than one business day has passed and the payment still shows as pending, call customer service to confirm it went through.

Can I cancel a payment after I have submitted it?

If the payment is scheduled for a future date, you can cancel it through your account before that date arrives. If the payment has already posted or is scheduled for today, you cannot cancel it. Contact customer service when ready if you need to reverse a payment that has already gone through.