Setting up AutoPay on a Chase credit card can help you avoid missed payments, late fees, and the stress of remembering your due date every month. Chase lets you choose how much to pay automatically, which bank account to use, and when the payment should be made.
Here’s how to set up AutoPay directly from the Chase mobile app.
How to Set Up AutoPay on a Chase Credit Card
To set up AutoPay, start by opening the Chase app and going to your main account screen.
- Scroll down to your credit cards.
- Tap the Chase credit card you want to manage.
- Tap the large blue Pay card button.
- On the payment screen, look underneath Choose an amount.
- Tap Automatic payments.
If AutoPay is already enabled, you’ll see a green dot and the word On. If you haven’t enabled it yet, it will show Off.
Tapping Automatic payments takes you to the automatic payment details screen, where you can set up AutoPay for the first time or manage your existing settings.
Choose Your Automatic Payment Amount
The first important setting when you set up AutoPay is the payment amount. Chase provides three options.
Minimum Payment
The minimum payment option pays only the minimum amount required on your credit card.
This can help keep your account in good standing and avoid a missed payment, but it doesn’t prevent interest from accumulating on the remaining balance. For that reason, the minimum payment is generally best viewed as a safety net rather than a long-term payment strategy.
Statement Balance
The statement balance option pays the balance from your most recent billing cycle in full.
For people who pay their credit card balance in full each month, this can be a convenient choice because it allows you to automatically pay off your statement balance without having to remember to make a manual payment.
If you want to set up AutoPay and avoid carrying a balance from month to month, this is the option to consider.
Fixed Amount
The fixed amount option lets you choose a specific dollar amount to be paid automatically every month.
This can be useful if you prefer a predictable payment for budgeting purposes. However, if your goal is to pay your statement balance in full, a fixed amount may not always cover the entire balance.
Select the payment option that works best for you. In the example setup, Statement balance is selected.
Select the Bank Account to Pay From
The next setting is Pay from.
This determines which bank account Chase will use to make your automatic credit card payment.
You can select an eligible Chase checking account if you have one, but you don’t necessarily need a Chase checking account. Chase also allows you to use an external bank account that you’ve connected to your account.
Choose the account you want the AutoPay payment to come from and make sure the account details are correct.
Choose Your Payment Date
The third setting is the payment date.
You can generally leave the payment scheduled for your credit card’s due date. This allows the money to remain in your checking account until the payment is due.
Chase also notes that if a payment due date falls on a Saturday, the payment may be pulled on the preceding Friday to account for the weekend.
Once you’ve selected your payment date, you’re almost finished.
Review Your AutoPay Settings
Before you set up AutoPay, carefully review all of the details on the automatic payment screen.
Check:
- Payment amount
- Pay from account
- Payment date
Chase also provides information about managing or canceling automatic payments. According to the instructions shown in the app, automatic payments can be turned off before 8:45 p.m. Eastern Time on the payment date through payment activity or by calling the number on the back of your card.
Next, scroll down and review the terms and conditions. Check the box confirming that you’ve read and agreed to them.
Then tap Set up automatic payments if you’re enabling AutoPay for the first time. If AutoPay is already active and you’re changing the settings, the button will instead say Update automatic payments.
Confirm That AutoPay Is Active
After you set up AutoPay, Chase will take you to a confirmation screen with a green check mark.
The confirmation screen will show your:
- Payment amount
- Payment account
- Payment date
Tap Close when you’re finished.
You can also verify that everything is active by returning to your credit card’s main screen and tapping Pay card again.
Under Choose an amount, you should see a green dot next to Automatic payments — On.
That confirms your AutoPay settings are active.
Why AutoPay Matters
Missing a credit card payment can have serious consequences. A late payment can result in a late fee and, depending on the circumstances and the card’s terms, could affect your credit history.
AutoPay can provide an extra layer of protection by automatically making your scheduled payment instead of relying on you to remember every due date.
Once you set up AutoPay, your scheduled payment can happen automatically each month, helping reduce the chance of accidentally missing a payment.
However, AutoPay doesn’t prevent you from making additional payments. If you make a large purchase and want to pay it down before your next statement, you can still make a manual payment whenever you want.
AutoPay is a safety net, not a ceiling.
