Can you pay Bank of America Home Loans with a credit card?
No. It does not take credit cards.
Low confidence: Bank of America Home Loans's public pages say little about payment methods. Confirm before you pay.
Last checked October 19, 2026 by Bill Router; spot-checked by a person October 20, 2026. How we check
Ways to pay Bank of America Home Loans
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | The mortgage FAQ lists PayPlan (checking or savings), Pay & Transfers or Bill Pay from an eligible account, MortgagePay on the Web (bank accounts), and checks. No card option is listed, though it also mentions unlisted 'additional no-cost and low-cost options' by phone. |
| Bank account (ACH) | Yes | Free | PayPlan automatic drafts are free. Pay & Transfers from an eligible Bank of America account has no additional charge. MortgagePay on the Web from another bank may carry a fee depending on timing. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Bank of America Home Loans by bank transfer or check. Not affiliated with Bank of America Home Loans. |
| Bilt | With a Bilt card | No fee | Bilt pays housing from your bank account, not your credit line, and earns points when your other card spending unlocks them. How Bilt works |
What it is worth for your mortgage payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Bank of America Home Loans for you) | $60.79 | −$249 |
| Bilt (from your bank, no card fee)Earns Bilt points unlocked by your other card spending; see the calculator. | $0 | $0 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 1 mortgage payment of $2,000 by card for about $61 in fees, reach the Chase Sapphire Preferred bonus, and keep about $594 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
Watch out for
Paying from an outside bank account through MortgagePay on the Web can carry a fee, depending on timing relative to the grace period.
Sources
PayPlan is a service that allows you to make automatic payments from your checking or savings account.
www.bankofamerica.com · checked October 19, 2026There is no charge for this service.
www.bankofamerica.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.