bankofamerica.com or via the Bank of America Mobile App.
Bank of America Credit Cards provide millions of consumers and businesses nationwide with premium cash-back rewards, flexible travel points, 0% introductory APR promotional balance transfers, and integrated digital banking capabilities through America’s largest retail banking network.
Whether you need to log in to Bank of America Online Banking, submit an immediate monthly card payment with zero convenience fees, set up automatic recurring monthly AutoPay, track Customized Cash 3% category selections, redeem cash-back rewards into checking or savings, or lock a misplaced card via Security Center, this comprehensive guide covers every payment channel and customer care contact.
Bank of America Credit Card Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| BofA Online & Mobile App (Internal ACH) | $0.00 (Free) | Instant Credit (Up to 11:59 PM EST) |
| External Linked Checking (Non-BofA) | $0.00 (Free) | Same-Day Credit if made by 5:00 PM EST |
| AutoPay (Automatic Monthly Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| Automated Phone Banking (IVR) | $0.00 (Free ACH) | Instant Confirmation |
| Financial Center / BofA ATM | $0.00 (Free) | Immediate In-Person Credit |
How to Pay Your Bank of America Credit Card Online (Step-by-Step)
- Navigate to: bankofamerica.com (or open Bank of America App).
- Enter your User ID and Password in the secure sign-in box.
- Click “Log In” and complete biometric or Two-Factor Authentication.
- Select your active Bank of America Credit Card.
- Click “Pay Credit Card Bill”.
- Select your payment funding source (BofA checking/savings or add an external bank routing and account number).
- Select payment amount: Minimum Due, Statement Balance, Current Balance, or Custom Amount.
- Submit payment to receive an instant electronic confirmation number.
Alternative Payment Channels
- AutoPay Setup: Automatically pay your monthly statement balance or minimum amount directly from any US bank checking account on your due date with zero transaction fees.
- Preferred Rewards Boost: Qualify for 25% to 75% credit card rewards bonus multipliers with qualifying combined balances in Bank of America and Merrill investment accounts.
- Pay by Phone: Call Bank of America automated phone pay line 24/7 toll-free at 1-800-732-9194.
- Pay by Mail: Send payment check with statement coupon to:
Bank of America
P.O. Box 15019
Wilmington, DE 19850-5019 - Financial Centers & ATMs: Make cash or check credit card payments at over 3,800 retail financial centers and 15,000 ATMs nationwide.
Bank of America Customer Support Directory
- Credit Card Customer Service (24/7): 1-800-732-9194
- International Collect Line: 1-757-677-4701
- Hearing Impaired (TTY): 1-800-421-2110 / 711
- Official Banking Portal: bankofamerica.com
- Corporate Headquarters: Bank of America Corporate Center, 100 N Tryon St, Charlotte, NC 28255
Frequently Asked Questions (FAQ)
What is the payment cutoff time for Bank of America credit cards?
Payments made from a Bank of America deposit account submit with same-day credit up until 11:59 PM Eastern Time. Payments from non-BofA external accounts should be submitted by 5:00 PM Eastern Time.
How do I lock a misplaced Bank of America credit card?
Log into the BofA Mobile App, navigate to “Menu > Manage Debit/Credit Card”, and toggle “Lock Card” to immediately prevent unauthorized charges while retaining recurring AutoPay authorizations.
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Disclaimer: BillPayment.guide is an independent credit card guide and is not affiliated with, endorsed by, or operated by Bank of America Corporation or Bank of America, N.A. All trademarks belong to Bank of America.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
