Many people often wonder, can you pay credit card with credit card? At first glance, it might seem like a simple yes or no answer. But in reality, the process is more complex. While you can’t just log into one card’s website and enter another card number to make a payment, there are indirect methods that let you achieve the same goal. This article explains these options in detail using simple language, helping you understand what is allowed, what works best, and what to avoid.
Understanding Why Direct Payments Aren’t Allowed
Credit card companies don’t allow you to directly pay one credit card with another because they are not set up like bank accounts. A credit card is a line of credit, not a cash deposit account. When you make a payment, the issuing bank expects actual funds, not borrowed money from another card.
So, can you pay credit card with credit card? Not directly. But that doesn’t mean it’s impossible. You just need to understand the indirect ways that make it possible and smart.
Balance Transfers: The Smart Indirect Way
One of the most common and cost-effective ways is a balance transfer. A balance transfer moves your debt from one card to another, often with a lower interest rate. Many banks offer introductory 0% APR for 6 to 18 months, which can save you money on interest.
Here is how a balance transfer works:
| Step | Action | Result |
| 1 | Apply for a new credit card | Choose one with balance transfer offer |
| 2 | Request transfer | Move balance from old card to new card |
| 3 | Pay off new card monthly | Pay within 0% period to avoid interest |
This way, you are not technically paying the card, but moving the balance to another card that you then pay off. It answers the question: can you pay credit card with credit card — yes, but through a balance transfer.
Cash Advance: Risky and Expensive
Another way is to take a cash advance from one card, deposit that money into your bank account, and use it to pay another card. But this method is highly discouraged. Cash advances usually come with high fees (3% to 5%) and immediate interest charges with no grace period.
You may get fast access to cash, but you’ll end up paying more in the long run. Still, some users turn to this method when they are facing urgent payments.
| Cash Advance Fees |
| 3% to 5% upfront fee |
| High interest rate from day one |
| No grace period |
This method is not ideal for most people. They should only use it if no other option is available.
Use of Payment Apps and Services
Payment platforms like Plastiq allow you to use a credit card to pay bills, including other credit cards. You pay a service fee, but it can help in certain cash flow situations. For example, if your due date is near and your checking account is low, you might use a service like this to avoid a late fee.
These apps act as a middleman. They charge your credit card and send an ACH transfer or check to your other card issuer. Again, this supports the idea that can you pay credit card with credit card is possible, though indirect.
Peer-to-Peer Transfers as a Workaround
Some users use Venmo, PayPal, or Cash App to send money from one card to their own bank or to someone they trust. The person receiving the money can then send it back as a bank transfer, which the original user then uses to pay their card.
However, this method can violate terms of service and might result in account restrictions. Use caution when trying this route. It may seem like a clever shortcut, but it can be risky.
Credit Card Checks: A Special Tool
Some credit cards offer convenience checks. These are like personal checks but drawn from your credit line. You can write the check to yourself and deposit it into your bank. Then use that money to pay another credit card. This is another indirect method that works.
Convenience checks sometimes come with promotional APRs, especially if the card issuer is trying to get you to use more of your available credit. Always check the terms before using them. Not all checks offer low interest, and some can have hidden fees.
Table: Comparison of Indirect Payment Methods
| Method | Cost | Speed | Risk Level | Best For |
| Balance Transfer | Low (3-5% fee) | 5-7 days | Low | Saving interest |
| Cash Advance | High + high interest | Instant | High | Emergency use only |
| Plastiq/App | Medium (2.5-3% fee) | 1-5 days | Medium | Managing cash flow |
| Peer-to-Peer | Low-medium | Instant | Medium | Short-term workaround |
| Convenience Check | Varies by offer | 1-2 weeks | Medium | Planned payments |
Avoiding a Debt Trap
Using one credit card to pay another might sound like a clever solution, but it can be dangerous. It creates a cycle where you’re paying debt with more debt. If not managed well, it can lead to growing balances, more fees, and poor credit scores.
That’s why financial experts recommend balance transfers only if you have a solid plan to pay off the transferred amount within the 0% interest period.
How Does It Impact Your Credit Score?
Making a balance transfer may temporarily lower your credit score if you open a new account. It increases your overall available credit, which may help your credit utilization ratio. But applying for multiple cards in a short time can cause a dip.
Using cash advances or maxing out cards to pay others can raise your credit usage and lead to score drops. That’s why it’s important to choose your method wisely.
What Credit Card Companies Want?
Credit card issuers prefer customers who pay on time using actual funds. While they may allow balance transfers or offer checks, they discourage risky habits. Companies want to reduce default risk, so they design systems that do not support paying debt with more debt directly.
So when you ask, can you pay credit card with credit card, remember they won’t let you do it directly. But through safe, bank-approved methods, you can manage your balances wisely.
Frequently Asked Questions
Can I just use one credit card to pay another online?
No. You can’t directly enter one card’s number to pay another’s bill.
Are balance transfers a good idea?
Yes, if you can pay off the transferred balance during the promo period.
Is using Plastiq or apps safe for this purpose?
Yes, but expect a fee around 2.5%. It’s safe but should not be a frequent habit.
What is the worst method to use?
Cash advances. They have high interest and fees and should only be used in emergencies.
Will my credit score go up or down if I pay this way?
It depends. Done right, it may go up. But using too much of your available credit can lower your score.
Conclusion
So, can you pay credit card with credit card? The simple answer is no—you can’t do it directly. But there are several smart indirect ways to achieve the same outcome. Methods like balance transfers, payment apps, and convenience checks allow users to manage credit wisely.
However, it is essential to understand the costs, rules, and risks tied to each option. Making smart choices helps you avoid falling into a debt trap. If used correctly, these tools can even help improve your credit score and reduce interest costs. Always review the terms and be sure that the method you choose fits your financial goals and budget.
Also, Read Credit Card for Teens: Guide to Smart Financial Habits
