9 Best Credit Cards for Paying Monthly Bills & Utilities 2025

We don’t charge your vendor additional fees for receiving Pay By Card payments. Use BILL Pay By Card to pay vendors with a credit card and rack up the rewards. There really isn’t a set answer to whether you should pay your bills with a credit card. It depends on whether the lender or merchant allows it and whether it makes sense for your situation. If you can do it responsibly, you might find that paying bills with a credit card is a good choice for you. Sometimes you can even make rent, mortgage and tax payments with a credit card.

Our pick for: Paying rent

While a mortgage is technically a debt product, Plastiq makes an exception in allowing you to pay it with a credit card. That’s pretty handy since mortgage payments are such a big expense for most people, and there isn’t really another way to earn points while paying it. For example, the Ink pay virtually any bill with credit cards Business Preferred® Credit Card currently offers 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening. If you’re having difficulty meeting the spending requirement, Plastiq is one option to get it done. Plus, we have good news for those who have previously been disappointed to learn that their card wasn’t accepted by Plastiq. Now, Plastiq supports American Express cards, as well as personal and business Capital One cards, for eligible payments.

Floating Revenue from Bank

Plastiq is a payment platform that allows you to pay and accept pretty much any bill with a debit or credit card. It’s a great option for earning points on spending you normally can’t put on a credit card. This includes your biggest living expenses, like housing, cars and tuition. But before you get too excited about the miles you’ll earn paying your kid’s college tuition, keep in mind that Plastiq does charge a fee. There are also restrictions on the type of payments you can make with specific credit cards.

• Keep in mind that many companies charge an additional fee to accept credit cards as payment, so make a note of any fees that could apply.
• This credit card allows you to earn up to 5% cash-back on your spending.
• See what’s involved and learn what happens behind the scenes within just seconds of making your transaction.
• But unlike other digital wallets, Paze doesn’t require a separate app or account that you have to add cards to.

Even if you redeem part of your welcome bonus for cash back to offset the Plastiq fee at 1 cent per point, you’ll still come out ahead. You have different options as to how you can pay your bill each month. Typically, you can make manual, automatic, and one-time payments on your credit card company’s online cardmember portal. You can make these payments with your bank information using Automated Clearing House (ACH) payments. You may also have to create a username and password to sign into your account in the future. Once you have made your online account, you’ll be able to check your balance, review transactions, pay bills, and more (depending on your credit card company).

In some cases, transactions are sent through a secure tokenization process, which involves replacing actual card credentials with automatically generated values. The requested funds are drawn from your debit card or bank account without disclosing the real credentials to the merchant, providing a private and safe transaction. Many vendors avoid credit card payments due to high processing fees. Zil Money eliminates this concern by ensuring they receive full payment without deductions.

See details on our intensive editorial policies and card rating methodologies. Of course, our recommendation is to transfer your points to one of Chase’s travel partners for premium award redemptions. This route can yield nearly $2,000 in value, per TPG’s November 2024 valuations — making this bonus well worth the $232 you would pay in fees through Plastiq. The only payment restrictions are for “debt products,” investments and other people.

Additional benefits include purchase protection, extended warranty, primary rental car coverage, other travel insurance benefits, no foreign transaction fees, and a low annual fee of $95. There are some exceptional credit cards you should use for your business’s utilities and monthly bill payments. Ideally, you’ll want to earn at least 2 points for every dollar you’re spending, avoid huge annual fees, and get the best return on spending overall. Of course, there might be ancillary credit card perks that attract you to a specific credit card, such as travel insurance.

• The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market.
• In many ways, this card offers the flexibility of using points for easy redemptions such as statement credits or more advanced techniques such as transfer partnerships.
• Your customers can make contactless payments with a card or digital wallet.
• For easy access to virtual cards from Capital One, download the Capital One Mobile app today.

Paze is an online checkout option available on participating merchants’ websites offered by major financial institutions such as Capital One. Similar to other digital wallets, Paze allows you to choose your desired debit or credit card at checkout without having to enter your card number on the website. And for added security, it doesn’t share your actual card number with merchants. But unlike other digital wallets, Paze doesn’t require a separate app or account that you have to add cards to. You can sometimes use your credit card to pay utilities and other bills, and you may be able to earn points, miles or cash back on these purchases depending on the credit card. However, you may also have to pay fees or surcharges to use a credit card that may outweigh these benefits.

How does paying bills with a credit card affect my credit score?

The interest charges may outweigh the benefits and convenience of using a credit card. Finally, consistently paying off your credit card’s full statement balance on time helps build your creditworthiness. Using your credit card to pay bills and showing regular, responsible use can positively impact your credit score. This typically includes utilities, cable and internet, and subscription services. This strategy is convenient and can allow you to simplify budgeting and maximize rewards, however, there may be limitations and fees, as well as charges in some cases. Each company or lender has their own process for credit card payments.

Discover, a division of Capital One, N.A., does not provide the products and services on the website. Please review the applicable privacy and security policies and terms and conditions for the website you are visiting. Discover does not guarantee the accuracy of any financial tools that may be available on the website or their applicability to your circumstances.

And if someone does access your account, it may trigger your card issuer’s fraud detection system. If you have a credit card, you might wonder whether you can use it to pay your bills. Fortunately, the answer is, “yes.” This can help to streamline and automate the bill payment process, which could help you to save on late fees. Additionally, if you have a rewards credit card, you may be able to earn rewards on your bill payments as well. However, some companies may charge a fee if you pay with a credit card, and you may not be able to pay all of your bills with a credit card. In this article, we’ll look at which bills you can pay with a credit card, along with some potential pros and cons of doing so.