How to Check Your Credit Card Balance

Image shows a woman on the phone, a laptop, and two iphones, one of which is receiving alerts. Text reads:

Image by Emily Roberts © The Balance 2019

Knowing your credit card balance is essential, particularly if you’re about to make a large purchase. You may also want to see how much damage was done after your last shopping trip or confirm that your most recent payment was posted to your account. Thankfully, you don’t have to wait until your next credit card statement arrives to find out your current credit card balance. You can easily check your balance via phone, internet, account notifications, or smartphone app.

Check Your Credit Card Balance Over the Phone

Call the number on the back of your credit card to reach your card issuer’s customer service line. Enter your card number using your phone’s keypad and any other identifying numbers (like the last four digits of your social security number or your billing zip code) and follow the prompts to hear your credit card balance. Many customer service lines can give you the balance automatically without requiring you to speak to a representative. Any questions you have about your account or recent transactions will have to go to a live person.

Over the Internet

If you have set up an online account for your credit card, your process is simple. Just open up a web browser, go to your card issuer’s website, and log on to your account to check your balance. If you haven't already set up an online account, you can create a new account once you’re on the card issuer’s website. Check the back of your credit card or a recent billing statement to get the correct web address for your credit card issuer. If you need some assistance, your card issuer’s customer service department can help you set up your online account.

When you’re creating the account for the first time, choose a username you can remember and a secure password that can’t be easily guessed. Once you’ve logged on, not only can you see your current balance, you can also view recent transactions and other account information.

Receiving Regular Account Notifications

With most credit card issuers, once you have set up your online account, you now have free rein to customize how closely you want to monitor account activity. Although this feature was designed mostly to help combat fraud, it allows you to receive emails, push notifications, or text messages notifying you of all recent account activity. Some companies enable you to set up email notifications to update you with your current balance after every purchase or monthly payment.

Via Smartphone App

If you have a smartphone, you can do most of your banking and credit card monitoring right on your phone. Most major credit card issuers have smartphone and tablet apps that you can download to easily check your credit card balance and other credit card details.

Visit the Apple App Store or Google Play store to download your card issuer’s app. When you download and open the app, you’ll log in using the same username and password that you’d use on the website. Some companies may let you establish a username and password through the mobile app, but if not, go to the lender's website. Your smartphone or tablet has to be connected to the internet or cellular data in order for you to access your credit card information via the smartphone app.