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How to check and change your billing address

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Any time you move to a new address, make sure you change your billing address with your credit card issuer. Why? Two reasons. An accurate credit card billing address helps ensure important card-related mail, such as your monthly credit card statement, is sent to the right place. Secondly, keeping your billing address updated helps protect you from potential identity theft.

So, what is your billing address used for? And how can you change your credit card billing address? Let’s take a close look at how billing addresses work, including how to find the billing address of a credit card and how to change your billing address with several major credit card issuers.

What is a billing address?

What does “billing address” mean? A billing address is an address associated with your credit or debit card account. When you apply for a credit card online, for example, the address you include on your application will become your billing address.

A billing address looks just like a street address. It has a street number and name followed by a city, state and ZIP code. If you live in a specific apartment or unit, that information will be included in your billing address as well.

What is your billing address used for?

Your billing address is the address to which your monthly billing statement is sent—but there’s more to a billing address than just that. Your billing address and your billing ZIP code both play key roles in helping to prevent identity theft.

Merchants often require you to include your billing ZIP code during the checkout process, especially if you are making an in-person purchase at a brick-and-mortar retailer. This adds an extra layer of protection to your transaction. There’s no billing ZIP code printed on your credit card—which means if your card gets stolen, the thief will have a hard time using your credit card to make purchases.

Your billing address also protects you through the Address Verification System, also known as AVS. If you’re making a purchase that requires you to enter a full billing address (not just a billing ZIP code), AVS will compare the billing address you entered with the billing address associated with your credit card. If the addresses do not match, the transaction will often be declined.

How to change your billing address

There are four easy ways to change your credit card billing address:

  1. Use your credit card issuer’s website or app. Log in to your online account and change the billing address associated with your profile.
  2. Call customer support. Call the number on the back of your credit card and request a billing address change.
  3. Update your address via mail. Write your new address on the back of the payment coupon that comes with your monthly billing statement and mail it back to your credit card issuer.
  4. Update your address in person. Some may prefer to visit a branch in person if there’s a location nearby. If you decide to take this route, speak with a representative and ask them to update your mailing address for you.

How to check the billing address for a credit card

Here’s what to do if you’re currently asking yourself: “What’s my billing address?” Check the billing address for your credit card by either looking at the address printed on your billing statement or log in to your online banking account and review the billing address associated with your credit card.

If you have a bank account that includes a checking account, a credit card and a debit card, making a credit card address change might not automatically change the billing address on your debit card and checking account. Double-check every card and account associated with your bank or credit card issuer to ensure that all of the addresses are updated.

Here’s how to change your credit card billing address with several major credit card issuers:

How to change your billing address with American Express

To submit an American Express change address request, log in to your American Express online account or call customer service at 1-800-528-4800. If you have multiple Amex cards and bank accounts, you’ll need to complete this process with every card or account. If you’re an additional cardholder and need to update your home address, contact an American Express Customer Care Professional. Only primary cardholders can make updates to all other addresses.

How to change your billing address with Bank of America

To change your billing address with Bank of America, log in to your Bank of America online account or call Bank of America customer service at 1-800-432-1000. You can also visit a Bank of America financial center to change your billing address in person.

How to change your billing address with Capital One

To change your billing address with Capital One, log in to your Capital One online account, select your name or icon and then select “Profile” to access and edit your billing address. You can also call Capital One at 1-877-383-4802 for customer service support. If you have a Capital One branch account, contact the Capital One Bank customer service department by phone or by chat to update your billing address—or visit a Capital One branch in person.

How to change your billing address with Chase

To submit a Chase change billing address request, visit your Chase online account and select “Profile and Settings.” You can also contact Chase customer service at 1-800-935-9935.

How to change your billing address with Citi

To change your billing address with Citi, log in to your Citi online account or you can reach Citi customer service at 1-800-950-5114. If you need additional help, you can chat online with a Citi representative.

How to change your billing address with Discover

To change your billing address with Discover, log in to the Discover Account Center and select “Account Profile” followed by “Update Your Personal Information.” You can also contact Discover customer service at 1-800-DISCOVER (1-800-347-2683).

How to change your billing address with U.S. Bank

To submit a U.S. Bank change address request, log in to your U.S. Bank online banking account, open the menu bar and select “Customer Service” followed by “My Profile.” If you are accessing your U.S. Bank online account from a mobile device, select “Menu” and then select “Edit Preferences” followed by “Update My Profile.” If you are using the U.S. Bank mobile app, select “Menu” and then select the gear icon. You can also call U.S. Bank customer service at 1-800-US-BANKS (1-800-872-2657).

How to change your billing address with Wells Fargo

To submit a Wells Fargo change address request, sign on to your Wells Fargo online account and select “Update Contact Information.” You can also contact Wells Fargo’s credit card account management customer service line at 1-800-642-4720.

How to fix billing address errors

You may find yourself coming across errors when trying to purchase something online, for example, if your billing address doesn’t line up with what is listed on your account. Perhaps you’re just skimming over a minor spelling error or accidentally submitted your billing address with a typo. As we now know, adjusting your billing address is a simple process, so here’s what you can do if you need to solve billing address errors:

  • Double check that your billing address is updated with your credit card issuer. You can do this online or on the phone with a representative. Make sure everything is spelled correctly.
  • Call your credit card issuer and verify the spelling of your name and address on your account.
  • If you have a second line in your address for an apartment or unit number, make sure the information is correct.

The bottom line

If you recently changed your address, you need to change your credit card billing address as well. Keeping your credit card billing address updated will ensure that important documents are sent to the correct mailing address and can also help prevent identity theft.

Written by
Nicole Dieker
Personal Finance Contributor
Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.
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