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How to Find and Change a Credit Card Billing Address

7 min read
Ellen Sirull By Ellen Sirull Jan 28, 2020 | Updated Mar 27, 2020

Did you just move? You’ll need to update the billing address for your credit card account, and you can usually do that in your account profile or “My Account” area.

Or maybe you need to pay a credit card bill. Making payments online is usually the most secure and expeditious way to pay your bills. However, if you want to mail a payment, in most cases you can find a credit card company’s billing information on its website or your monthly statement.

We’ve laid out all the details for updating your billing address with the major card issuers, along with their addresses for mailing payments.

American Express HSBC
Bank of America PenFed
Capital One USAA
Chase U.S. Bank
Citi Wells Fargo
Discover
Insider tip

Consider using certified mail if you send in a credit card payment so you can be sure the issuer received it.

American Express

How to Change Your Billing Address

Online: You can update your address in your online account. Log in and then go to the “Account Services” tab and select “Edit Billing Address.”

If you have multiple cards, you’ll need to change your details for each card you’d like to update by switching to that card in the top right corner of the website.

Phone: You can also call customer service to speak with an agent at 1-800-528-4800.

If you’re an Additional Card Member (an authorized user) and need to update your home address, you’ll need to speak with one of Amex’s customer care agents at the customer service number above.

Mail: You can mail in a change of address form, which you’ll find on page two of your credit card statement. Just complete the form and send it back to Amex.

American Express Billing Address

Send a check or money order payable to American Express.

First Class 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

Read more

Best American Express Credit Cards

Bank of America

How to Change Your Billing Address

Online: Update your address by logging in to your Bank of America online account. By following that link, you’ll be asked to sign in to Online Banking and will then go to the contact information page.

Phone: You can also call the phone number on the back of your Bank of America credit card or the customer service number (1-800-432-1000) and speak with a representative to change your address.

In person: Visit a local Bank of America financial center and speak with a representative to update your billing address.

Bank of America Billing Address

There are various addresses for sending Bank of America credit card payments depending on the type of payment and card.

Consumer credit card payments:

Bank of America
P.O. Box 15019
Wilmington, DE 19850-5019

 

Overnight consumer credit card payments:

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

 

Business credit card payments:

Bank of America Business Card
P.O. Box 15710
Wilmington, DE 19850-5710

Read more

Bank of America Credit Cards

Capital One

How to Change Your Billing Address

Online: You can update your address with Capital One online by logging in to your account and selecting “Profile” in the menu.

Phone: You can also call the phone number on the back of your Capital One credit card or the customer service number (1-800-227-4825) and speak with a representative to change your address. If you have a Capital One small business credit card, you’ll need to call 1-800-867-0904.

Mail: Use the form on your credit card statement. Fill out your new contact information, and mail it in to Capital One.

In person: If there’s a Capital One branch near you, stop in and speak with someone about changing your billing address.

Capital One Billing Address

Capital One recommends writing your Capital One credit card number on your check in order to make sure your payment posts as quickly as possible.

First Class mail:

Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083

 

Overnight mail:

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

Read more

Capital One Credit Cards

Chase

How to Change Your Billing Address

Online: To update your contact info and other personal details log in to your Chase online account and go to the person icon in the top right corner. Choose “Profile and Settings,” then choose “Personal Details” from the left side menu. You can edit your information there.

Phone: You can call the number on the back of your card or use the cardmember services number for your card type. For personal credit cards, call 1-800-432-3117; for business credit cards, call 1-888-269-8690.

In person: You can also go into a Chase branch if there’s a location nearby to change your address.

Chase Billing Address

Chase reminds customers on its website to not send cash (you should never mail cash) and suggests sending it five to seven days before the due date to make sure it arrives on time. You should include your payment coupon (from your billing statement) and write your 16-digit account number on your check or money order.

Make out your personal check or money order to “Chase Card Services.”

Regular mail:

Cardmember services
PO Box 6294
Carol Stream, IL 60197-6294

 

Overnight mail:

Chase Card Services
201 North Walnut Street
De1-0153
Wilmington, DE 19801

Read more

Chase Credit Cards

Citi

How to Change Your Billing Address

Online: You can sign in to your Citi account, hover over the “Profile” button, and select “Contact Information” to change your address. Or, you can use the live chat to talk with a representative who can help.

Phone: Call a customer service rep to update your billing address. There are different phone numbers depending on the type of Citi credit card you have, so check the back of your card for the right number. Here are customer service phone numbers for Citi and some popular cards:

Citi Cards 1-800-388-2200
Citi® Double Cash Card – 18 month BT offer 1-855-473-4583
Citi / AAdvantage® Cards 1-888-766-2484
Citi Premier Card 1-800-842-6596
Citi Prestige® Card 1-877-288-2484
Citi Simplicity® Card – No Late Fees Ever 1-866-696-5673
Citi® Secured Mastercard® 1-800-950-5114
Citi® Diamond Preferred® Card 1-800-823-4086
CitiBusiness® / AAdvantage® Select Cards 1-800-732-6000
Costco Anywhere Visa® Card by Citi 1-855-378-6467
Costco Anywhere Visa® Business Card by Citi 1-855-378-6468

In person: You can visit a Citibank branch. You’ll need to have the following items with you:

  • Proof of address (such as a utility bill)
  • A photo ID
  • Your Citi credit card

Citi Billing Address

For a Citi payment sent by mail or courier, you should include your name and the last four digits of your account number on the front of your check or money order.

Regular mail:

P.O. BOX 9001037
Louisville KY, 40290-1037

 

Overnight mail and Express delivery:

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

 

If you have a Costco Anywhere Visa card, by regular mail:

PO Box 78019
Phoenix, AZ 85062-8019

 

If you have a Costco Anywhere Visa card, by overnight mail:

Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213

Read more

Citi Credit Cards

Discover

How to Change Your Billing Address

Online: To update your address, log in to your Account Center and click on “Account Profile.” Then click the link that says “Update Your Personal Information.”

Phone: You can call the phone number on the back of your Discover credit card or the general customer service number to change your billing address: 1-800-347-2683.

Discover Billing Address

Regular mail:

Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103

Read more

Discover Credit Cards

HSBC

How to Change Your Billing Address

Online: To update your address, log in to your online account and submit an address change. If you want the change to apply to all of your HSBC accounts, select the “Use this address for all correspondence” tick box and the new address will replace all your old addresses.

Phone: You can call the phone number on the back of your HSBC credit card or the general customer service number to change your address: 1-800-975-4722.

In person: Visit an HSBC branch to have a representative update your address in person.

HSBC Billing Address

Fill in your remittance stub, which is included in your credit card billing statement, and mail it along with your payment.

Regular mail:

HSBC Bank USA, N.A.
PO Box 4657
Carol Stream, IL 60197-5255

Read more

HSBC Credit Cards

PenFed

How to Change Your Billing Address

Online: To update your address, log in to your PenFed account online. From the Main Menu, click on the “Account Actions” tab near the top of the page. Under the “Update Profile” section, click the “Update Contact Information” link.

Make the changes to your information that you need to revise, then click the “Continue Update” button at the bottom of the screen and follow the instructions.

Phone: You can call the phone number on the back of your PenFed credit card or the general customer service number to change your address: 1-800-247-5626.

PenFed Billing Address

Regular mail:

P.O. Box 247080
Omaha NE 68124-7080

 

Express mail:

13220 Fort Street
Omaha, NE 68164

Read more

PenFed Credit Cards

USAA

How to Change Your Billing Address

Online: Log in to your USAA account and go to “My Profile & Preferences” in the menu.

Scroll down to “Address Information” on the left side of your account profile, click “Edit,” and follow the prompts to update your information.

Phone: You can also call the phone number on the back of your USAA credit card or the general customer service number to change your address: 1-800-531-USAA (8722).

USAA Billing Address

Regular mail:

USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288-9876

Read more

USAA Credit Cards

U.S. Bank

How to Change Your Billing Address

Online: Log in to your U.S. Bank account online. Click “Customer Service” and select “My Profile,” then choose “Address” to update.

Phone: You can also call the phone number on the back of your U.S. Bank credit card or the general customer service number to change your address:

In person: You can visit a U.S. Bank location to get your address updated in your account as well.

U.S. Bank Billing Address

Mail the payment coupon from your billing statement with your check.

Payment address for U.S. Bank Mastercard and Visa cards:

U.S. Bank
P.O. Box 790408
St. Louis, MO 63179-0408

 

Overnight payment address for U.S. Bank Mastercard and Visa cards:

U.S. Bank
ATTN: 790408
824 North 11th Street
St. Louis, MO 63101-1016

 

Payment address for U.S. Bank American Express cards:

U.S. Bank
P.O. Box 790185
St. Louis, MO 63179-0185

 

Overnight payment address for U.S. Bank American Express cards:

U.S. Bank
ATTN: 790185
1005 Convention Plaza
St. Louis, MO 63101-0185

Read more

U.S. Bank Credit Cards

Wells Fargo

How to Change Your Billing Address

Online: Sign on to your Wells Fargo online account and select “Update Contact Information” to review your email address, phone number, and mailing address. If your new address is outside of the United States, go to “Email Us” through the “Security & Support” tab. You’ll need to send an email with the new address information, and Wells Fargo will update your account.

Phone: Call the phone number on the back of your Wells Fargo credit card or 1-800-642-4720 to get assistance updating your billing address.

Wells Fargo Billing Address

Wells Fargo asks consumers to include their credit card account number on the check they send.

Regular mail:

Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493

 

Express mail:

Lockbox Services 51193
Attn: WF Consumer Credit Card
3440 Flair Drive
El Monte, CA 91731

Read more

Wells Fargo Credit Cards

Stay Up to Date for Peace of Mind

Keeping your personal details up to date is critical so your credit card company can get you any important account information, or send you a new card if yours is lost or stolen.

Making payments on time is crucial as well so you can keep your credit in good standing. So, whether you pay online or via check, make sure you allow enough time for payments to arrive before your due date. Take note that different issuers will have different processing times.

Online payments will always be the fastest, but can still take one to three business days. Mailed payments may take considerably longer, so if you take that route contact your card issuer to learn more about processing times.

Credit Card Resources

Learn more here!
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At a glance

You can change your credit card billing address easily online, and through some other methods. Or maybe you need to find your issuer’s address to send a payment by mail. We share the details here on how to change your address with your credit card company, along with the payment addresses of popular card issuers.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Citi® Double Cash Card - 18 month BT offer, Citi Premier Card, Citi Prestige® Card, Citi Simplicity® Card - No Late Fees Ever, Citi® Secured Mastercard®, Citi® Diamond Preferred® Card, and Costco Anywhere Visa® Business Card by Citi have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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