What is the Bank of America Premium Rewards credit card payment address?

The Bank of America credit card payment address is:

P.O. Box 15019
Wilmington, DE 19850-5019

When paying Bank of America credit card bills by mail, be sure to submit either a check or money order for the payment amount. Bank of America does not accept cash.

Tips for Mailing Bank of America Credit Card Payments... read full answer

• Include your credit card number on your payment to avoid processing delays.
• Allow enough time for Bank of America to receive your payment on or before the due date, or it will be considered late.
• Send your payment via overnight mail, if necessary. The Bank of America overnight payment address is:
  
  Attn: Payment Processing
  DE5-023-03-02
  900 Samoset Drive
  Newark, DE 19713

Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Bank of America mobile app, or by calling customer service at (800) 236-6497. Bank of America also allows in-person payments at local Bank of America branches. Refer to your card’s terms and conditions or cardmember agreement for any additional locations that accept in-person payments.

The easiest way you can make a Bank of America credit card payment is either online or through the mobile app. Alternatively, you can make a payment over the phone at (800) 236-6497, by mail or at a branch. Bank of America does allow cardholders to set up automatic payments, too.... read full answer

Ways to Make a Bank of America Credit Card Payment

• Online: Log in to your online account and click on “Bill Pay.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: To make a payment through the Bank of America mobile app, log in to your account and select your card, then tap “Make a payment.”
• Over the phone: Call (800) 236-6497 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  
  Consumer card payments
  PO Box 15019
  Wilmington, DE 19850-5019.
  
  Overnight payment address:
  
  Bank of America
  Attn: Payment Processing
  DE5-023-03-02
  900 Samoset Drive
  Newark, DE 19713
  
  Write your credit card number on the check, too.
• At a branch: You can make a payment at any Bank of America branch during normal business hours.

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.

It takes 1 to 3 business days for a credit card payment to post to your account if you pay online or by phone. Payments by mail will take a few days longer. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction. Your issuer’s payment timelines are included in your monthly statement, or you can call customer service for more information.... read full answer

In order to understand how long it takes an issuer to post your credit card payments, it’s important to know the difference between “credited,” “posted,” and “cleared.” When you submit a payment, the amount is credited, meaning the issuer recognizes you paid it. But it may not post, or be reflected in your available credit, for another day or two. When a payment is cleared, the issuer has actually received the money. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.

To avoid any worry about how long it will take for a credit card payment to post, set up your account for autopay. This feature automatically debits your bank account for a pre-determined amount on the card’s payment due date. As long as you have enough money in the account to cover the transaction, your payments will never be late. You should be able to set up autopay online or by calling your issuer’s customer service department.