The Chase app gives you a lot of control over your credit card without requiring you to call customer service every time you need to make a change. You can make payments, set up autopay, lock your card, dispute transactions, request a higher credit limit, add your card to Apple Pay, and manage authorized users, all from your phone.
If you know where everything is, it only takes a few taps to handle most of the things you need.
How to Manage Your Chase Credit Card
To manage your Chase credit card, open the Chase app and sign in. From the main account screen, scroll down until you see your credit cards and tap the card you want to manage.
Once you open the card, you will see your current balance, minimum payment, payment due date, and other account information. You will also see several options below the card image, including Manage account, Lock/Unlock card, and Pay card.
The Manage account section is where you will find many of the card’s settings and management tools.
How to Make a Chase Credit Card Payment
To make a payment, open your Chase credit card and tap the blue Pay card button.
Chase gives you four payment options:
- Statement balance
- Current balance
- Minimum payment due
- Other amount
The statement balance is the amount from your last billing cycle. Paying the full statement balance by the due date is generally the best way to avoid interest on purchases.
The current balance includes your statement balance plus newer purchases that have been made since the statement was issued.
The minimum payment is the smallest amount you need to pay to keep the account in good standing. However, paying only the minimum can leave you paying interest on the remaining balance.
You can also enter a specific amount by choosing Other amount.
After selecting your amount, choose whether you want to pay today or schedule the payment for a future date. Then select the bank account you want to pay from.
You do not need a Chase checking account to pay your Chase credit card. Chase allows you to use an external bank account, and you can link one directly through the payment screen.
Review the amount, payment date, and payment account before tapping Make payment. You will then receive a confirmation number and an email confirming the payment.
How to Set Up AutoPay on a Chase Credit Card
AutoPay can help you avoid accidentally missing a payment.
Open your credit card, tap Pay card, and look for Automatic payments below the payment amount options. If AutoPay is already active, you can tap it to review or edit your settings.
Chase offers three payment options:
- Minimum payment due
- Statement balance
- Fixed amount
The minimum payment can serve as a safety net, but it does not necessarily prevent interest charges. Paying the statement balance automatically is a better option if you can afford to pay your card in full each month.
Next, choose the bank account the payment should come from and select your payment date. Review everything carefully, agree to the terms, and tap Set up automatic payments or Update automatic payments.
You can still make additional payments manually whenever you want. AutoPay simply handles the payment you have scheduled.
How to Lock and Unlock Your Chase Credit Card
If you temporarily cannot find your card, you can lock it through the Chase app.
Open the card, tap Lock/Unlock card, and then tap Lock card.
Locking the card prevents new purchases, cash advances, and balance transfers made with your card number. However, certain transactions can still go through. Previously authorized transactions, recurring payments, fees, credits, and purchases made through digital wallets may continue.
That means locking your physical card does not necessarily stop subscriptions or digital wallet payments.
If you find your card, return to the same screen and tap Unlock card.
A lock is useful when you have misplaced your card temporarily. If your card has actually been stolen or you see transactions you did not make, locking the card is not a replacement for reporting the problem to Chase.
How to Dispute a Credit Card Transaction
You can also start certain transaction disputes directly in the Chase app.
Open the credit card with the transaction, scroll down to your transactions, and tap the charge you want to review. The transaction needs to be posted rather than pending before you can dispute it.
At the bottom of the transaction details, look for Having a problem with this transaction? and tap Report a problem.
Chase provides several reasons for a dispute, including:
- A canceled recurring transaction was still charged
- A returned or canceled purchase did not receive a credit
- A product or service was never received or arrived late
- You were dissatisfied with the product or service
- You were charged more than expected
- You were charged more than once
- You did not make the purchase
Select the reason that accurately describes the situation and follow the prompts. Chase may ask for additional information, such as when you canceled a subscription and how you contacted the merchant.
Review all the information before submitting the dispute.
If you did not authorize the transaction at all, treat it as potential fraud rather than a normal billing dispute. Chase specifically directs customers with unauthorized purchases to lock or cancel the card and contact Chase.
How to Request a Credit Limit Increase
If you want to request a credit limit increase, open your card and tap Manage account.
Under Credit management, look for Credit line increase.
Chase asks for information including your total gross annual income and monthly mortgage or rent payment. Gross annual income means your income before taxes and other deductions.
Enter accurate information, review the request, and submit it if you decide to continue.
Keep in mind that requesting a credit limit increase can sometimes result in a hard inquiry, which can affect your credit score. Chase does not always make it clear beforehand whether your particular request will involve a hard or soft inquiry, so consider contacting Chase before submitting the request if this is important to you.
A higher credit limit can lower your credit utilization if your spending stays the same. However, a higher limit should not be treated as an invitation to spend more.
How to Add Your Chase Card to Apple Pay
You can add your Chase credit card to Apple Pay directly through the Chase app.
Open your card and tap Manage account. Under Card setup and maintenance, select Add card to digital wallets and then choose Apple Wallet.
Select the card you want to add and choose iPhone. Chase will verify the card, after which you will need to agree to Apple’s terms and conditions.
Once the process finishes, you will see confirmation that the card has been added.
If you have both an iPhone and an Apple Watch, you need to add the card to each device separately.
Apple Pay does not replace your physical card. Instead, Apple uses a unique device number for transactions, so your actual card number is not shared with merchants when you use Apple Pay.
How to Add Your Chase Card to Apple Watch
To add your Chase card to an Apple Watch, follow the same initial steps in the Chase app.
Open the card, tap Manage account, select Add card to digital wallets, and choose Apple Wallet. Then select the Apple Watch option.
If your card is already connected to your iPhone, you can select the Apple Watch tab at the top of the Apple Wallet screen. Find the card and tap Add to Apple Wallet.
Chase will verify the card, and you will then need to agree to the terms and conditions. Once the card is added, it will appear as linked under the Apple Watch section.
You can choose whether to make it the default card for payments on your watch.
How to Activate 5% Cash Back Categories
If you have a Chase Freedom card with rotating quarterly categories, you need to activate the 5% cash back category each quarter.
Open the Chase app, select your Freedom card, and scroll down until you find the 5% cash back section. Tap See details and activate.
The categories change every three months, so check the current categories before spending.
The rotating categories generally apply to up to $1,500 in combined purchases per quarter. Once you reach that limit, purchases in those categories earn the standard rate instead.
Most importantly, remember that you need to activate the categories each quarter. Chase does not automatically enroll you in the next quarter’s categories.
Setting a calendar reminder at the beginning of January, April, July, and October can help you remember.
How to Track and Redeem Chase Points
You can manage your Chase rewards through the More section of the app.
Tap More, scroll to Rewards & benefits, and select Track rewards to see your points activity. You can review individual transactions and see how many points each purchase earned.
To redeem your rewards, you can choose options such as cash back, gift cards, shopping with points, or travel, depending on your card and available options.
Cash back can generally be redeemed as a statement credit or deposited into an eligible bank account. Chase also allows eligible external bank accounts to be linked for deposits.
The value of points can vary depending on your card and redemption method. For example, certain Sapphire cards can provide additional value when points are redeemed for travel through Chase Travel.
Before redeeming a large number of points, check the value you will receive for each option.
How to Check Your Chase Credit Score
You can check your credit score through the Chase app even if you do not have a Chase credit card.
Tap More, scroll to Track your finances, and select Free credit score. If you have not used Chase Credit Journey before, you will need to enroll.
Once enrolled, Chase displays your credit score and provides additional information about your credit profile.
Checking your own score through Chase is a soft inquiry and does not hurt your credit score.
The score shown in Chase may not be the exact score a lender uses because different lenders can use different scoring models. It is still useful as a regular way to monitor your credit and spot changes.
Checking once a month can give you a good overview without requiring you to constantly monitor your score.
How to Request a New Due Date
If your credit card payment due date does not work well with your budget, you may be able to request a different date through the app.
Open your card, tap Manage account, and scroll down to the Other section. Select Request a new date.
Chase will show your current due date and explain how changing it can affect your next billing cycle.
Choose one of the available dates and review the request before submitting it.
Remember that your current payment is still due on the original date until the change takes effect. Not every day of the month will necessarily be available.
A useful approach is to choose a date that falls shortly after your regular paycheck arrives while avoiding major bills such as rent.
How to Add an Authorized User
You can add an authorized user through the Chase app by opening your credit card and selecting Manage account.
Scroll down to Card access and wallets and tap Authorized users.
Chase will ask for the person’s information, address, and shipping details. Review everything carefully before tapping Add authorized user.
An authorized user receives a card that they can use to make purchases, but the primary cardholder remains responsible for the account balance. That means you are responsible for every purchase they make.
Adding an authorized user can make sense if you want to share an account with a trusted family member or help someone establish credit. However, you should only do it if you completely trust the person with access to the account.
You can remove an authorized user later through the same section of the app.
Manage Your Chase Credit Card Without the Hassle
The Chase app puts most of the important credit card controls in one place. Once you know where to look, you can manage your Chase credit card without having to call Chase for every small task.
You can use the app to make payments, set up AutoPay, lock a misplaced card, dispute eligible transactions, request a credit limit increase, change your due date, add authorized users, connect your card to Apple Pay and Apple Watch, and keep track of your rewards and credit score.
The most important part is using these tools to stay organized. Pay your balance responsibly, keep an eye on your transactions, activate rotating rewards when applicable, and use AutoPay as a safety net. When you manage your Chase credit card this way, the app becomes a useful tool for staying on top of your account instead of something you only open when there is a problem.
