The Ultimate Guide to Credit Cards
Tuesday, December 7, 2021

How to Pay Your Credit Card Bill in 2021

How To Pay Your Credit Card Bill

credit card advice

Erica Sandberg
By: Erica Sandberg
Posted: November 9, 2021

Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

After using your credit card to make a purchase or to withdraw cash, you will need to make at least the minimum requested payment in about 30 days to keep the account in good standing

The fastest way to pay your bill is online or in person. You won’t have to wait on the phone and go through the recorded prompts or speak to a customer service agent, both of which can take a long time. 

Payment Information For Every Major Card Issuer

You have several payment options available to you that vary by issuer. Here is how to make your credit card payment by mail, online, and over the phone for each major credit card issuer: 

Alliant Credit Union

Pay By Mail: 
Alliant Credit Union
P.O. Box 1666
Des Plaines, IL, 60017

Pay Online:
https://www.alliantcreditunion.com/OnlineBanking/Login.aspx

Pay By Phone:
1 800-328-1935

America First Credit Union

America First Credit Union Logo

Pay By Mail:
America First Credit Union
P.O. Box 9199
Ogden, UT 84409-9983

Overnight Delivery:
America First Credit Union
1344 West 4675 South
Riverdale, UT 84405

Pay Online: 
https://www.americafirst.com/services/online-services/online-banking.html

Pay By Phone:
1 800-290-1112

American Express

Amex Logo

Pay By Mail:
American Express 
P.O. Box 650448 
Dallas, TX 75265-0448

Express Mail:
American Express 
Attn: Express Mail Remittance Processing 
20500 Belshaw Ave. 
Carson, CA 90746

Pay Online: https://www.americanexpress.com/en-us/account/login

Pay By Phone:
1 800-472-9297

Bank of America

BoA Logo

Pay By Mail:
Bank of America 
P.O. Box 15019 
Wilmington, DE 19850

Overnight Delivery:
Bank of America 
Attn: Payment Processing DE5-023-03-02 
900 Samoset Drive 
Newark, DE 19713

Pay Online:
https://secure.bankofamerica.com/login/sign-in/signOnV2Screen.go

Pay By Phone:
1 800-732-9194

Barclays

Barclays Logo

Pay By Mail: 
Barclays Bank
Card Services
P.O. Box 60517
City of Industry, CA 91716

Overnight Delivery:
Barclays Bank
Attn: Card Services
400 White Clay Center Drive
Newark, DE 19711

Pay Online: 
https://cards.barclaycardus.com/banking/onlinepayments/

Pay By Phone: 
1 877-523-0478

Capital One

Capital One Logo

Pay By Mail:
Capital One
Attn: Payment Processing
P.O. Box 71083
Charlotte, NC 28272

Overnight Delivery:
Capital One
Attn: Payment Processing
6125 Lakeview Rd
Suite 800
Charlotte, NC 28269

Pay Online: 
https://verified.capitalone.com/auth/signin

Pay By Phone: 
1 800-227-4825

Chase

Chase Logo

Pay By Mail: 
Chase
Cardmember Services
P.O. Box 6294
Carol Stream, IL 60197

Pay Online: 
https://www.chase.com/digital/autopay-routable

Pay By Phone: 
1 800-436-7958

Citibank

Citi Logo

Pay By Mail:
Citibank
P.O. BOX 9001037
Louisville KY, 40290

Overnight Delivery:
Citibank Express Payments
6716 Grade Lane, Building 9, Suite 910
Louisville, KY 40213

For Citibank Costco Anywhere Visa® Cards:
P.O. Box 78019
Phoenix, AZ 85062

Overnight Delivery For Citibank Costco Anywhere Visa® Cards:
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213

Pay Online: 
http://home.cards.citidirect.com 

Pay By Phone: 
1 800-200-7056

Discover

Discover Logo

Pay By Mail: 
Discover Financial Services
P.O. Box 6103
Carol Stream, Illinois 60197

Pay Online:
https://www.discover.com/

Pay By Phone: 
1 800-347-2683

Navy Federal Credit Union

NFCU Logo

Pay By Mail: 
Visa Payments
Navy Federal Credit Union
P.O. Box 3500
Merrifield, VA 22119

Mastercard Payments
Navy Federal Credit Union
P.O. Box 3500
Merrifield, VA 22119

Pay Online:
https://my.navyfederal.org/NFOAA_Auth/login.jsp

Pay By Phone: 
1 888-842-6328

Pentagon Federal Credit Union (PenFed)

PenFed Logo

Pay By Mail: 
PenFed Credit Union
Box 247009
Omaha, NE 68124

Pay Online: 
https://www.penfed.org/login/

Pay By Phone: 
1 800-247-5626

USAA

USAA Logo

Pay By Mail: 
USAA Credit Card Payments 
10750 McDermott Fwy 
San Antonio, TX 78288 

Pay Online:
https://www.usaa.com/my/logon

Pay By Phone: 
1 800-531-8722

Wells Fargo

Wells Fargo Logo

Pay By Mail: 
Wells Fargo Card Services 
P.O. Box 51193 
Los Angeles, CA 90051

Pay Online: 
https://connect.secure.wellsfargo.com/auth/login/present

Pay By Phone: 
1-800-869-3557

How You Pay Depends On Your Card Issuer

Be aware that you will not be sending your payments directly to two of the largest credit card companies: Visa and Mastercard. These companies are networks that don’t issue credit cards directly but work with banks and credit unions that provide the funds for the credit line. 

You will often see the Visa or Mastercard logo on a credit card issued by a financial institution like Chase or Bank of America. In that case, you will be sending your payment to the underwriting financial institution, not the network. 

For some card issuers, including Navy Federal Credit Union, you will need to send the payment to a different address, depending on whether the card uses the Visa or Mastercard network.  

But two major credit card networks — American Express and Discoverdo issue their own credit and charge cards. Consequently, if you have cards with them, you will be sending your payments directly to those companies. 

Also, know that issuers frequently have several types of credit cards in their portfolio. Unless the cards are business cards rather than personal cards, where and how you make your payments won’t change. 

For example, Chase offers several personal credit cards but has only one address where cardholders can send payments. An exception to this rule is Citibank, which has a different address for its Costco branded card. 

When Making Payments by Mail

It is very important that you never send cash, whether you use U.S. Postal Service or an alternative carrier such as Federal Express or UPS. 

Instead, use a personal or cashier’s check or a money order. Whichever method you use, be sure to write the credit card account number on the check, especially if you have multiple credit cards with the same issuer. 

Alternative Payment Methods

In addition to mailing in your payment, using the issuer’s website, and paying over the phone, you may also be able to pay your bill with the following options:

ATM: If you have deposit accounts (such as a savings or checking account) with the same financial institution that issued the credit card, you can pay at the ATM. Insert your bank or debit card into the ATM, then follow the instructions to transfer money from your deposit account to the credit card.

Branch: As with the ATM, if you have deposit accounts with the same financial institution that issued the credit card, you can go into the branch and make payments with the assistance of a teller. 

Mobile App: Most credit card issuers offer an app you can download to your mobile device and then make a quick transfer from your bank account to your credit card account. 

Western Union: You can also make your payment via Western Union. To do so, you can download the company’s app, add your accounts and make a transfer, or visit one of its storefront locations. 

Automatic Bill Pay: If you want to take the work out of the payment process, consider enrolling in your credit card company’s autopay system. Most credit card issuers offer this as an option. 

After signing up, you authorize the company to debit your checking account when the payment comes due. You may choose to pay the minimum amount due, a fixed amount, or to cover the entire balance. 

The Bottom Line

No matter how you submit your credit card payments, making sure they are posted by the due date and for the correct amount is essential. If you don’t, you almost certainly will be hit with a late fee. 

So, if you plan on mailing your check, give yourself plenty of time. It can take a week or even longer for the payment to reach the company. 

To ensure the payment is posted as it should be, review your account online. If there are any inaccuracies or delays, contact your credit card issuer immediately.