The fastest way to pay is through the Bank of America website or mobile app
You can pay your Bank of America credit card balance online in minutes without calling anyone. Log into your account at bankofamerica.com, go to the credit card section, and select "Make a Payment." You'll choose how much to pay, pick the date the payment should arrive, and confirm. The payment posts within one business day if you pay before the cutoff time (usually 8 p.m. ET on business days).
The mobile app works the same way. Open the Bank of America app, tap your credit card account, select "Pay," enter the amount, and confirm. Payments made through the app follow the same one-business-day timeline as the website.
Key Takeaways
- Online payments through the Bank of America website or app are free and post within one business day if submitted before the cutoff time.
- You can set up automatic payments to pay a fixed amount or your full balance on a date you choose each month.
- Phone payments to 1-800-435-7925 work if you prefer speaking to someone, but you'll need your card number and bank account information ready.
- Payments by mail take 5 to 7 business days to reach Bank of America, so mail early if your due date is soon.
- In-person payments at a Bank of America branch are free but require you to visit during business hours with your card or account number.
Setting up automatic payments so you never miss a due date
Automatic payments remove the need to remember to pay each month. In your Bank of America online account, go to "Manage Automatic Payments" under the credit card section. Choose whether you want to pay the full statement balance, a fixed amount, or just the minimum payment. Pick the day of the month the payment should go out, and confirm.
Bank of America will deduct the payment from the bank account you link to your card. If you set it to pay the full balance, the payment happens a few days before your due date so the balance reaches zero on time. You can change or cancel automatic payments anytime through the same menu, and you'll receive a confirmation email each time a payment is scheduled.
Paying by phone if you need to speak with someone
Call Bank of America at 1-800-435-7925 to pay over the phone. Have your credit card number and the bank account you want to pay from ready. A representative will ask how much you want to pay and when, then process the payment. Phone payments are free and post within one business day, just like online payments.
If you're calling from outside the United States, use the international number on the back of your card. Wait times can be longer during business hours, so calling early morning or evening may be faster.
Mailing a check or money order
Write a check or money order to Bank of America and mail it to the address on your statement. Include your credit card number on the check so the payment reaches the right account. Mail payments take 5 to 7 business days to arrive, so send your payment at least a week before your due date to avoid a late payment.
The mailing address appears on your monthly statement and in your online account under "Payment Information." Do not mail cash. If you're paying from outside the United States, contact Bank of America first to confirm the mailing address and whether international checks are accepted.
Paying in person at a Bank of America branch
Walk into any Bank of America branch during business hours with your credit card or account number and the amount you want to pay in cash or check. A teller will process the payment when ready. In-person payments are free and post to your account the same day.
Bring a valid ID. If you're paying with a check, make it out to Bank of America and include your credit card number. Branch hours vary by location, so check the hours of your nearest branch on bankofamerica.com before you go.
Understanding payment timing and due dates
Bank of America credit cards have a due date printed on your statement, usually 21 to 25 days after the statement closes. A payment is on time if it posts to your account by 5 p.m. ET on the due date. Online and phone payments post within one business day, so pay by the day before your due date to be safe. Mail and in-person payments post the same day or next business day.
If you miss your due date, Bank of America may charge a late fee and report the late payment to credit bureaus. If you realize you'll miss the due date, call 1-800-435-7925 to ask about a one-time courtesy extension, though this is not may provide. Paying at least the minimum amount by the due date protects your credit score.
What to do if your payment doesn't go through
If an online or phone payment fails, Bank of America will tell you why — usually because the bank account you're paying from has insufficient funds or is closed. Check your bank account balance and make sure the account is active. If the account is fine, try again or use a different payment method.
If a mailed check doesn't arrive within 10 business days, contact Bank of America at 1-800-435-7925 with the check number and amount. They can search for it and may be able to stop payment and reissue it. Keep a copy of the check or money order receipt until the payment posts to your account.
Frequently Asked Questions
Can I pay my Bank of America credit card with a debit card?
No, you cannot pay a credit card with another credit or debit card through Bank of America's payment system. You must pay from a bank account (checking or savings), by check, or in cash at a branch. Some third-party payment services allow debit card payments, but they charge a fee.
What happens if I pay more than I owe?
Bank of America will hold the overpayment as a credit on your account. You can use it toward future purchases, or request a refund by calling 1-800-435-7925. Refunds typically take 3 to 5 business days to reach your bank account.
Is there a fee to pay my credit card?
No. Payments through the website, app, phone, mail, and in-person at a branch are all free. Bank of America does not charge a payment fee for any of these methods.
Can I pay my credit card from another bank's account?
Yes. When you set up a payment online or by phone, you can link any U.S. bank account you own. Bank of America will pull the payment from that account on the date you choose. The account must be in your name.
How do I know if my payment went through?
Log into your Bank of America account online or in the app and check your recent transactions. You'll see the payment listed with the date it posted. You can also call 1-800-435-7925 to confirm. Bank of America sends a confirmation email for online and automatic payments.