Send payments to the address on your Chase statement or billing notice

Chase prints a payment address on every monthly statement you receive. That address is the safest place to mail a check or money order. The address changes depending on which Chase card you hold and which processing center handles your account, so do not use an address from an old statement or from memory.

You can also pay online through your Chase account portal or by phone without needing an address at all. If you prefer to mail a payment, pull out your current statement first and copy the address exactly as it appears.

Key Takeaways

  • The payment address is printed on your monthly statement under "Payment Information" or "Make a Payment" — use that address, not a general Chase mailing address.
  • Online payment through your Chase account takes one business day and costs nothing, making it faster and more reliable than mail.
  • Phone payments are available 24/7 by calling the number on the back of your card, and the payment posts the same day if you call before the cutoff time.
  • If you mail a payment, allow 7 to 10 business days for it to arrive and post to your account, so send it well before your due date.
  • Late fees explore if your payment does not post by the due date shown on your statement, regardless of when you mailed it.

Finding the address on your statement

Open your most recent Chase statement — the one you received this month, not an old one. Look for a section labeled "Payment Information," "Make a Payment," or "Where to Send Your Payment." The mailing address will be listed there, usually in a box or highlighted section.

The address typically includes a specific P.O. box or processing center location. Write it down exactly as shown, including the ZIP code. If your statement is digital only and you have not printed it, log into your Chase account online and read the current statement as a PDF, then look for the same section.

Paying online through Chase.com

Log into your Chase account at chase.com using your username and password. Click on your credit card account, then look for a button or link that says "Make a Payment" or "Pay Now." Enter the amount you want to pay and choose your payment date.

Chase will show you when the payment will post — usually the next business day. You can pay from a checking or savings account linked to your Chase profile, or you can add a new bank account during the payment process. There is no fee for online payments, and you can schedule payments in advance if you want to automate them.

Paying by phone

Call the customer service number on the back of your Chase credit card. A representative or automated system will ask for your card number and the amount you want to pay. You can pay from a checking or savings account, and the payment will post the same day if you call before the cutoff time (usually 8 p.m. Eastern Time on business days).

Phone payments are available 24 hours a day, 7 days a week, even on weekends and holidays. There is no fee. If you call after the cutoff time, the payment will post the next business day.

Mailing a check or money order

Write your check or money order for the amount you owe. On the back of the check, write your Chase credit card number so the payment gets matched to your account. Put the check in an envelope and address it to the payment address from your statement.

Mail your payment at least 10 business days before your due date to account for postal delays. Chase typically receives mailed payments within 7 to 10 business days, but mail can take longer during holidays or bad weather. If your payment does not arrive by the due date, you will be charged a late fee even though the delay was not your fault. For this reason, mailing is the slowest and riskiest option.

What happens if you miss the due date

If your payment does not post by the due date on your statement, Chase will charge a late fee. The amount depends on your card and your account history, but it is usually between $25 and $40 for the first late payment. A second late payment within six months may cost more.

A late payment also appears on your credit report and can lower your credit score. If you realize you will miss the due date, call Chase when ready — sometimes they can waive a late fee if you have a good payment history and this is your first miss. Paying online or by phone is the safest way to avoid this because you control the exact posting date.

Setting up automatic payments

You can tell Chase to pay your bill automatically each month so you never have to remember a due date. Log into your account, find the automatic payment or autopay section, and choose how much you want to pay each month — the full balance, a fixed amount, or the minimum payment.

You can change or cancel automatic payments anytime through your account. Many people set autopay to the full balance so the card never carries interest, but you can choose whatever amount works for your budget. Automatic payments post on the date you choose, and you can see them scheduled in your account before they go through.

Frequently Asked Questions

Can I pay my Chase card at a Chase bank branch?

Some Chase branches accept in-person payments, but not all locations offer this service. Call your local branch or log into your account to see if your branch accepts payments. Online and phone payments are faster and available anytime, so most people use those instead.

What if I send a payment to the wrong address?

If you mail a payment to an incorrect address, it may be returned to you or lost in the mail. Your payment will not post to your account, and you could be charged a late fee. Always use the address from your current statement. If you are unsure, pay online or by phone instead.

How long does an online payment take to show up?

Online payments typically post within one business day. If you pay on a Friday evening, it may not post until Monday. You can see the expected posting date when you schedule the payment, so you know exactly when the money will arrive.

Is there a fee for paying by phone?

No, there is no fee for phone payments to Chase. The number is on the back of your card, and you can call anytime. Some third-party payment services charge fees, but calling Chase directly is always free.

What if my payment is late but I did not receive my statement?

You are responsible for paying by the due date even if you did not receive a statement. Log into your Chase account online to see your current due date, or call the number on the back of your card. If a late fee was charged, contact Chase to explain the situation — they may waive it if this is your first late payment.