The main ways to pay your Bank of America credit card
You can pay your Bank of America credit card balance through their website, their mobile app, by phone, by mail, or in person at a Bank of America branch. Most people use the website or app because you can pay in minutes from home. The fastest online payment posts to your account the same day if you pay before the cutoff time, which is usually around 8 p.m. Eastern time on business days.
Bank of America does not charge a fee for any of these payment methods. You can pay your full balance, a partial payment, or just the minimum amount due — the choice is yours. The payment important date is shown on your statement and in your online account.
Key Takeaways
- Online and mobile app payments are fastest and post the same day if submitted before the evening cutoff on a business day.
- You can set up automatic payments through your Bank of America account so your bill pays itself on a date you choose each month.
- Mailed checks take 5 to 7 business days to reach Bank of America, so send them well before your due date to avoid a late fee.
- Paying from another bank's account is possible through Bank of America's bill pay feature or by transferring money to your Bank of America checking account first.
Paying online through the Bank of America website
Log into your Bank of America account at bankofamerica.com. Click on your credit card account, then look for a "Make a Payment" or "Pay Now" button. Enter the amount you want to pay and choose the date — you can pay today or schedule a payment for a future date up to 365 days out.
Bank of America will ask where the money should come from. If you have a Bank of America checking or savings account, you can transfer from that account. If you bank elsewhere, you can use the bill pay feature to send money from your other bank's account directly to Bank of America, though this takes 1 to 3 business days instead of posting the same day.
After you confirm the payment, you will see a confirmation number on screen. Take a screenshot or write it down — you will need this number if you ever need to contact Bank of America about the payment.
Paying through the Bank of America mobile app
Open the Bank of America app on your phone and sign in. Tap your credit card account, then tap "Pay" or "Make a Payment." The process is the same as the website: enter your amount, choose your payment date, and select where the money comes from.
The mobile app works the same way as the website for posting times. Same-day posting happens if you pay before the cutoff time on a business day and the money comes from a Bank of America account you own. Payments from another bank take longer because they go through that bank's bill pay system.
Setting up automatic payments so you never miss a due date
Automatic payments take the guesswork out of remembering when to pay. Log into your Bank of America account online, go to your credit card, and look for "Automatic Payments" or "Autopay." Choose the date each month when you want the payment to come out — many people pick the day after they get paid.
You can set autopay to pay your full statement balance, a fixed dollar amount, or just the minimum payment. If you choose to pay the full balance automatically, Bank of America will wait until your statement closes to calculate the total, then pull that amount on the date you picked. This means your payment amount changes each month depending on what you spent.
You can change or cancel autopay anytime through your account. If you cancel, you go back to making manual payments, so set a phone reminder if you are worried about forgetting.
Paying by phone or mail
To pay by phone, call the number on the back of your credit card. A representative will ask for your account number and the amount you want to pay, then confirm where the money should come from. Phone payments work the same day if you call before the cutoff time on a business day.
To pay by mail, write a check to Bank of America and include your account number on the check. Mail it to the address shown on your statement — do not mail it to a branch. The post office typically takes 3 to 5 business days to deliver mail, and Bank of America takes another 1 to 2 business days to process it after it arrives. This means a mailed check can take 5 to 7 business days total to show up in your account. Send it at least 10 days before your due date to be safe.
Paying in person at a Bank of America branch
You can walk into any Bank of America branch and pay your credit card with cash, a check, or a debit card. Tell the teller you want to make a credit card payment and give them your account number. The payment posts to your account the same day.
This method is useful if you prefer to handle money in person or if you have cash you want to pay with. Branch hours vary by location, so check the Bank of America website or call ahead to make sure the branch is open when you plan to visit.
What to do if you cannot pay by the due date
If you realize you will miss your due date, contact Bank of America as soon as possible. Call the number on the back of your card and explain your situation. You may be able to request a due date change, which moves your payment important date to a different day of the month. This does not erase a late payment if one has already posted, but it can prevent future late fees if you are consistently missing the same date.
A late payment stays on your credit report for seven years and can lower your credit score. If you are more than 30 days late, Bank of America will report it to the credit bureaus. If you are struggling to pay, ask about hardship programs — Bank of America offers options like lower interest rates or payment plans for people facing financial difficulty.
Frequently Asked Questions
Does Bank of America charge a fee to pay my credit card?
No. Bank of America does not charge a fee for any payment method — online, app, phone, mail, or in person. The only cost is what your bank charges if you use bill pay from another bank, and that fee comes from your other bank, not from Bank of America.
How long does it take for a payment to show up in my account?
Same-day posting happens if you pay online or by phone before the cutoff time (usually around 8 p.m. Eastern) on a business day and the money comes from a Bank of America account. Payments from another bank take 1 to 3 business days. Mailed checks take 5 to 7 business days total.
Can I pay my credit card from a bank account at a different bank?
Yes, through two routes. You can use bill pay at your other bank to send money to Bank of America (takes 1 to 3 days), or you can transfer money to your own Bank of America checking account first, then pay from there (same-day posting). The second route is faster if you need the payment to post quickly.
What happens if I pay late?
Bank of America charges a late fee if your payment arrives after the due date. If you are more than 30 days late, the late payment is reported to credit bureaus and can lower your credit score. Call Bank of America before the due date if you think you will be late — they may be able to help.
Can I schedule a payment for a future date?
Yes. Through the website or app, you can schedule a payment up to 365 days in advance. This is useful if you want to pay on a specific date each month or if you know when money will be available. You can change or cancel a scheduled payment anytime before it processes.