What bills can be paid with a credit card?

One of the easiest ways to build up credit card rewards points is to pay as many bills as possible with your credit card. Here are some bills to start with.

Cell phone and internet bills

Your cell phone and internet bills can easily be paid with your credit card. If you set up autopay, you’ll never have to worry about missing another payment. Some credit cards, for example, will even insure your phone if you pay your bill with your card.


Some companies allow you to pay your electric, gas, and water bills with a credit card but it depends on the company. You may have to pay a small convenience fee for using a card, but depending on the number of points you’re earning, it may be worth it.


Not all landlords accept credit card payments for rent, but if the home is managed by a larger property management company, you may be in luck.

Keep in mind that your landlord could charge a processing fee for accepting credit card payments, and depending on your agreement, this fee may be passed down to you. If that’s the case, make sure to do the math to see if it’s still worth it to pay your rent with a card.

If your landlord won’t accept cards, there are also online services, like Plastiq, that will send your payee a physical check after charging your credit card (for a fee).

Homeowners and auto insurance

You may also be able to use your card to pay for home and auto insurance. Many companies have recently stopped accepting credit cards due to avoid processing fees, but it’s worth checking out.

Some companies charge a credit card processing fee, but waive it if you pay your premium in full. If you can afford it, this would be a great way to meet your minimum spend for a sign-up bonus.

Recurring subscriptions

Recurring subscriptions like Netflix, Hulu, Amazon Prime, Spotify, etc. are all easy to autopay with your credit card. These small monthly expenses may not seem like much, but when you put them together, they can really start to add up.

More: Get rid of unwanted subscriptions with Rocket Money

Sign up for Credit Sesame and see everything your credit score can do for you, find the best interest rates, and save more money at every step of the way.

Get Started—100% Free

Bills you can’t pay for with a credit card

Sadly, not everything can be paid with a credit card — at least not without creative workarounds. Here are some monthly bills you probably won’t be able to put on plastic.


Mortgage payments make up a huge chunk of most people’s monthly spending — a perfect opportunity to boost your rewards balance.

Unfortunately, most mortgage servicers do not accept credit card payments. And if they do, you’re going to pay for it. You could always pay with your card using Plastiq, but the 2.5% fee will likely cancel out any rewards gained (unless you’re gunning for a big sign-up bonus).

Auto loans

Similar to mortgage lenders, most auto lenders won’t accept cards for lease or finance payments. The workaround here would be to transfer your loan (or part of it) to a balance transfer card with a 0% introductory APR.

Just make sure to pay off the balance before the introductory rate expires or your car loan will get very expensive very quickly.

For many people, this strategy might not be ideal because it will increase your credit utilization and negatively impact your credit score.

Pros and cons of paying bills with credit cards

Pros Cons
Earn rewards and cashback Not all bills can be paid with a credit card
More convenient than sending cash or a check Carrying a higher balance can ding your credit score
Easier to track expenses May need to pay additional processing fees

In the end, you need to do the math. In many cases, it costs extra to pay with a credit card. Do the rewards you’ll gain outweigh the additional expenses?

If so (and if you plan to pay your balance in full each month), then paying bills by credit card can be a great option.

If you are already carrying balances on your cards and you have other debt, you can get a debt consolidation loan to get that paid off at a lower interest rate before you start adding to your balance by paying bills with your card.

What are your spending habits?

When you know where your money is going, you can make better financial decisions.

With Rocket Money, get a breakdown of your spending to see exactly where your money is going. Manage subscriptions, lower your bills and put your savings on autopilot.

Managing money just got easier with the Rocket Money app.

What to Read Next


The content provided on MoneyWise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.