Credit Card Forum
+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
  1. #1
    Green Member
    Join Date
    Jul 2012
    Location
    Columbus, Ohio
    Posts
    2

    Default Paying utility bills with your credit card to earn rewards?

    Is this an easy way to earn points? Paying my bills with the card, then immediately pay off what I just used.

    Example: say my electric bill is $72, pay with the freedom card, then pay $72 towards the card.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    May 2012
    Location
    Atlantic City, NJ
    Posts
    340

    Default

    In theory it is a pretty easy way to earn points, since you have to pay utilities anyway. I think it depends on the company though. For example, my local electric company doesn't like credit cards and charges I think $7.95 fee to use a card for payment. It could still be done though, if I were to prepay a large sum in advance, but to me its cheaper to write checks for electric. Ditto for my car insurance and renter's insurance. All my other utilities like cable, phone, internet, stuff like that, those companies don't charge me so I pay with CC every time.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member
    Join Date
    Apr 2009
    Location
    Texas
    Posts
    879

    Default

    I pay phone, internet, electricity and insurance with CC and am not charged a fee. I wouldn't do it if a fee was involved. A service provider might charge a fee for a one-time payment but perhaps not for autopay by cc; you should check.
    American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
    US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
    FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
    Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

    *All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Platinum Member
    Join Date
    Jun 2012
    Location
    Minnesota
    Posts
    72

    Default

    Pay as much as you can with the card! More rewards for you!
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member
    Join Date
    Jul 2012
    Location
    Hawaii
    Posts
    492

    Default

    Yup, I do this. I also pay 2 of my student loans with my card to get points. My landline doesnt take amex, but will take paypal which is linked to my amex lol!
    American Express Platinum
    Chase Sapphire Preferred
    Hawaiian Airlines BOH MC
    USAA Amex
    Capital One Visa Platinum
    Citi Diamond Preferred MC
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Centurion Member
    Join Date
    Jul 2011
    Location
    New York
    Posts
    1,341

    Default

    Yes, I use a 2% cash back card to do this since the Chase Freedom only gives 1% for paying bills.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Centurion Member
    Join Date
    May 2012
    Location
    Atlantic City, NJ
    Posts
    340

    Default

    Jeffysdad,
    Sorry I had forgotten to post back, but i called my local provider (Atlantic City Electric) cause they keep trying to cram autopay down customers' throats. I told them point blank that I'd love to do autopay if they could link with my credit card and they told me they only operate like that through direct bank account debits. I'm certainly not giving them my permission to grub into my bank acccount every month-- it sucks that they are not as modern as some of the other companies. Ditto with my auto insurance, but my renter's insurance is now taking my credit card, so thanks!
    Now she's eyeless.
    The snakes she held once
    Eat up her hands.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  8. Centurion Member
    Join Date
    Apr 2009
    Location
    Texas
    Posts
    879

    Default

    No worries, Hematino. Some places will only do auto debit to checking accounts because they don't want to pay the interchange fees, obviously.

    My insurance provider (Farm Bureau) is a bit of a hybrid. They will not auto debit from a credit card, only checking. However, you can pay online with a credit card and there is no fee. I would prefer auto debit, but I'll pay online to get the points.

    Watch out with auto debit to anything other than a checking account, for instance savings. There are banking rules against that, I was told once by ING Direct.
    American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
    US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
    FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
    Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

    *All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  9. #9
    Green Member
    Join Date
    Jun 2012
    Location
    Arizona
    Posts
    18

    Default

    What I do is keep my Bank Cards at home and take my reward credit cards. At the end of the month I pay them all off completely and so far its worked out nicely. My electric company however does charge for using a credit card so in those instances I just send out a check.
    Quote Originally Posted by lucasoil4u View Post
    Pay as much as you can with the card! More rewards for you!
    AMEN!
    Quote Originally Posted by DavidNY View Post
    Yes, I use a 2% cash back card to do this since the Chase Freedom only gives 1% for paying bills.
    The US Bank Visa offers 5% cash back on paying bills. Best part is you can do it year round instead of just getting the categories they choose for you.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  10. #10
    Green Member
    Join Date
    Jun 2012
    Location
    Princeton, NJ
    Posts
    5

    Default

    There are several services including ChargeSmart.com that let you pay utility bills and many other ordinary bills with a credit card. They have fees but sometimes the fees are less than the rewards. This link lists a few services that do this.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
Page 1 of 2 1 2 LastLast
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Tags for this Thread

Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.