Can You Pay a Credit Card with a Credit Card?

Have you ever asked yourself – “Can you pay a credit card with a credit card?” The answer is “no.” However, credit card issuers don’t accept the payments from the credit card as a regular payment. Moreover, they ask you to pay by cash or cheque using your savings account. But you can do a balance transfer on a high-interest credit card.

According to the assistant Vice president of credit cards at Navy Federal Credit Union – “You are allowed to balance transfer on your existing cards to other credit cards.”

However, three methods can help you pay the credit card bill using another credit card.

Can you pay a credit card with a credit card?

Using Cash

  • Withdraw the money from the credit card you would like to make
    the payment with.
  • Deposit that cash into your account.
  • Now, pay the bill amount.

However, while following this method to clear your credit card bill, keep one thing in mind that credit card loans are exorbitant. So, this method might take a toll on your pocket.

Using E-Wallet

You can use an e-wallet to clear your credit card bill. You can:

  • Transfer the money from credit card to e-wallet.
  • Now, use the e-wallet money to pay the amount.

By Balance Transfer method

The balance transfer is another method to pay one credit card bill from another
credit card. However, you can simply transfer the amount to another credit and clear the
payment of other credit cards. It is an easy and smooth process. You only need a credit card and get the pending bill cleared of another credit card quickly.

Besides this, the interest rate on the other credit card will be lower than the former one. Moreover, you don’t have to pay any interest on the amount during the interest-free period.

Things to know before using the Balance transfer method

However, if you are transferring the money to a lower interest card, that only makes sense. Besides this, if you apply for a balance transfer card, you may end up with a 0% interest rate.

Moreover, if you pay the balance within the promotional period, you will save money as there will be no interest rate. However, most balance transfer cards charge transfer fees. The transfer fees are 3% to 5%. For instance, if you transfer $10,000, you may have to pay $300 to $500 as the transfer fee.

Is a Balance transfer card the best option?

You should think twice before making credit card payments using a balance transfer. Firstly, there is no guarantee that you will get a high amount to clear your credit card bill. Even if you get a high credit limit, there can be a lower balance transfer limit than your credit card limit.

Your credit card limit depends on:

  • Your income
  • Your credit card score
  • The history of payments
  • Usage of credit card
  • Cost of Housing

Moreover, the application of balance transfer cards can affect your credit card scores due to inquiry. For instance, you have to face a challenging investigation whenever you apply for a new credit card. However, this inquiry can affect your credit card score, but for a short time.

And if you close the balance transfer card, your scores can go down. Also, it will affect your credit card utilization and credit history. Therefore, if you have a low credit score, you will not get approval for a balance transfer card.

Personal loan

You can give a thought about taking personal loans to clear your credit card debt. However, credit cards have a variable interest rate. In contrast, private loans may offer money at a lower interest rate on loans.

Moreover, if you can manage to get a lower interest rate on a personal loan, you can save money on interest – as soon as you clear your debt.

Even if you get a low-interest rate, you are still paying more than APR on a balance transfer card. However, if you can clear the balance transfer amount within the promotional period – balance transfer is the best option.

So, before taking a personal loan or balance transfer, calculate to check the amount you can save from both options.

Benefits of using Credit Card:

Well, there are many benefits to using a credit card. You get exciting offers,
rewards, and extra services using a credit card. Few of the most important
benefits include:

  • Convenience – A credit card is the most convenient way of payment. Moreover, you don’t need to carry the cash, check, or coins in your wallet for the amount. A simple swipe can clear all your expenses. Besides this, if you link the credit card with the e-wallet. You don’t have to carry a credit card either. You can make the payment digitally.
  • Credit card for Recurring payments – You can also set the credit card to
    make recurring payments periodically. Moreover, you don’t need to worry
    about electricity bills, phone recharge- a credit card will handle it.
    Interest-free- However, the credit card is the best option for buying now and
    paying later.
  • Rewards and Discounts – Whenever you will use a credit card, you may get
    some exciting prizes. You can redeem it to get cashback and a discount.
  • Credit Score – Some credit cards offer credit card scores on every payment.
    However, if you have a good credit card score, you can quickly get a loan and a
    a new credit card in the future.
  • Track your expenses – You can easily keep an eye on your monthly payments
    using a credit card.


Well, it’s not that easy to pay your credit card bill from another credit card. However, some balance transfers can offer you 0% interest. But it can affect your credit card score. Therefore, you can also consider the personal loan method to clear your credit card bill to get the personal loans at a lower interest rate.

Hence, do the calculation for both personal loan and balance transfer. Then Make a choice accordingly.

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