My Chase and Citibank cards don't charge if you pay several days in advance.
If the payment must be posted that day in order to avoid a late charge then they charge a 'service' charge.
I pay almost of my bills online. The one exception is the power co. Progress Energy wants to charge me $4 for the privilege of using online payments.(I want a paper bill )
I mail that bill.
I’ve never had Chase or Citibank charge me anything for paying on line. For anyone that charges for the ‘privilege’ or don’t have the option, I use my bank’s bill pay service.