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Account management

How to pay your credit card bill

A step-by-step lesson on how credit card payments work

Summary

Here are the different ways you can pay your credit card bill. Whether it’s online, in-person, via app or by mail, we have the information you need.

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Everyone knows you should pay your credit card on time each month, and preferably in full.

But not everyone knows exactly how to make a payment.

The good news is, there are multiple ways to pay your credit card – and they are outlined right here.

Keep reading to find out how credit card payments work and familiarize yourself with the different payment methods you can use.

How credit card payments work

One important thing to remember about paying your credit card bill is that your current balance is different from your statement balance. Your current balance includes any charges you’ve accrued since the statement date; think of it as your up-to-date balance.

Before you make a credit card payment, review your bill so you know exactly what you owe – and how much you need to pay.

According to Experian’s website, your credit card statement will provide you with the due date (when your payment must be received by the issuer), your balance (the amount you must pay to avoid interest charges) and what your minimum payment is (how much you have to pay to keep your account in good standing).

Always remember that a late credit card payment could ding your credit score, and your issuer can report it to the credit bureaus as late if you don’t make it within 30 days of the due date.

See related: Don’t wait until due date to pay first card bill

How to pay your credit card bill with different issuers

Credit card grace periods

Many credit card issuers offer cardholders a grace period during which they can pay their bill without incurring interest charges.

The grace period is typically the 21-day period between your minimum payment due date and the last day of your billing cycle.

Credit card bill payment options

You have several options when it comes to making a payment on your credit card.

Pay online or via mobile app

Perhaps the easiest way is to make a payment online – you simply log into your account (or app) and choose how much you want to pay from whatever account you have linked to the card. If you have the app downloaded on your smartphone, you’ll go through the same process.

Set up autopay

Another easy way to pay is to “set it and forget it” – use autopay to make your payments each month and you’ll never forget. Just set up autopay on your bank’s website and choose a date and amount for the payment each month; you can choose to pay the minimum, a fixed amount or the balance in full.

But be careful with autopay – make sure you monitor your account, and consider activating alerts to remind you when it’s due and when it posts. You can also set up an alert for when your balance goes above a certain point. And, of course, make sure you have enough in your bank account to cover the payment.

Pay by phone

You can also call your bank and make a payment to your credit card – all you have to do is confirm your payment method and the number of your credit card account.

Pay in person

If you don’t like to make payments online, you can always go to the nearest bank branch (or ATM) of the credit card issuing bank and pay, or you can mail in a personal check or money order to your issuer. If you choose this method, make sure you account for the extra time it will take and mail your payment accordingly.

Mail in your payment

Another alternative is to mail your payment in to your issuer. You can typically find the mail-in address online or you can call to get it. Make sure you never send cash, and always write your account number on your check.

Because credit card issuers often operate differently, it’s a good idea to call yours and ask for processing and payment deadline times; you should know if the payment gets processed the day you make it or if your issuer counts a payment as late if you don’t get in by a certain time on the due date.

See related: How do automatic bill payments affect your credit score?

When is the best time to pay your card?

If you can, always pay the full statement balance each month – that way, you won’t be charged interest on any of your purchases.

If you can’t pay your full statement balance, always make at least the minimum payment, and try to pay off the rest before your next payment date.

If you have your account on autopay for the minimum balance due and you’ve made some large purchases one month, don’t forget to pay more to supplement your autopay.

How to pay different card issuers

Locate your issuer below to find out the ways it enables customers to pay their credit card bills.

American Express

  • To pay online visit American Express Online Services, enter your login information and payment amount, choose your bank and select “Proceed to Pay.”
  • To pay by phone, call the number on the back of your card.
  • To pay in person, search for a bank near you that is authorized to accept payments.
  • To mail in a payment, send to American Express, P.O. Box 650448, Dallas, TX 75265-0448.

Apple Card 

  • Open the Wallet app on your iPhone and tap Apple Card.
  • Tap to pay.
  • Hold and slide the payment wheel to choose a payment amount.
  • Tap Pay Now to instantly make your payment, then follow the instructions on your screen.
  • If you don’t have your iPhone handy, you can call an Apple Card specialist to make a payment.

Bank of America

  • To pay online, visit the Bank of America online banking site, enter your log-in information and go to “Bill Pay.”
  • To pay by phone, call the number on the back of your card.
  • To pay in person, go to the nearest Bank of America branch near you.
  • To mail in a payment, send to Bank of America, P.O. Box 15019, Wilmington, DE 19850-5019.
  • To pay via the app, select your credit card account, then select the “Make a payment” button. 

Barclays

  • To pay online visit Barclaycard online servicing account and go to “Pay your bill.”
  • To pay by phone call 1-877-523-0478.
  • To mail in a payment, send to Card Services, P.O. Box 60517, City of Industry, CA 91716-0517.
  • To pay via the app, select your credit card account, then select “Pay My Card Bill” from this screen and enter the amount you wish to pay.

Chase

  • To pay online, go to Chase.com/paycard and log in.
  • To make a payment via automated phone service, call 1-800-436-7958.
  • To mail in a payment, send to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294.
  • To pay via the app, select your credit card account, then select “Pay My Card Bill” from this screen and enter the amount you wish to pay.
  • To pay via the app, “Pay bills” then “Schedule payment” in the navigation menu. Choose your payee, enter the amount, “Pay from” account and the “Send on” or “Deliver by” date, then verify your details and submit.

Citi

  • To make a payment online, visit Citi and log in.
  • To pay by phone, call 1-800-950-5114.
  • To mail in a payment, send to P.O. Box 9001037, Louisville, KY, 40290-1037.
  • To pay via the app, log in and follow prompts to pay bill.

Discover

  • To pay online, log in to your Discover online account and click on “Make a Payment.”
  • To pay by phone, call customer service 24/7 at 1-800-347-2683.
  • To mail in a payment, send to Discover Financial Services, P.O. Box 6103, Carol Stream, IL 60197.
  • To pay via the app,  log in and select “Make a Payment” and choose the amount you want to make.

Wells Fargo

  • To pay online, sign in to your Wells Fargo account online.
  • To pay by phone, call 1-800-869-3557.
  • To mail in a payment, send to Wells Fargo CardServices, P.O. Box 51193, Los Angeles, CA 90051-5493.
  • To pay via the app, log in and follow prompts to pay bill.

Tips for paying on time

The easiest way to pay on time is to use autopay and make at least the minimum monthly payment.

You might also consider making payments throughout the month instead of just once per month. Doing this will help you lower your credit utilization ratio – the amount of credit you’re using divided by your credit limit – which can affect your credit score if it gets too high.

Most issuers allow cardholders to choose a credit card payment date, so if you do that don’t forget to take into account your cash flow and when you’re most likely to have the money to pay more than the minimum amount due.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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