Through a partnership between the two companies, it’s easy to pay your American Express (Amex) bill through PayPal. This option makes it easy for Amex cardholders to pay their bill by using their PayPal or Venmo balance. It’s easy to pay your bill with PayPal when you link your American Express card.
Overview of Paying Amex Bill with PayPal
PayPal has teamed up with American Express so that Amex cardholders can add their cards to their PayPal wallet. Once you’re linked, you can pay your Amex bill with money from PayPal or Venmo.
This is a useful option for those who
- Prefer PayPal for online payments
- Have a PayPal or Venmo balance they want to use up
- Find it more convenient to manage bills in one place
Paying your Amex bill via PayPal offers the following benefits:
- Seamless checkout: Your card details are stored securely with PayPal so you can check out faster.
- Rewards: You continue earning rewards and benefits on your eligible Amex purchases.
- Fraud protection: Your purchases have the extra layer of security from PayPal and Amex.
- PayPal balance: Use your funds in PayPal or Venmo instantly to pay your bill.
How to Add your Amex Card to PayPal
Adding your Amex card to your PayPal wallet is simple and can be done through two methods:
Via the Amex App
- Open the Amex app and log into your account.
- Tap on the account icon on the bottom navigation bar.
- Scroll down and tap on “Add Card to Wallets & Merchants”.
- Under “Wallets”, tap on PayPal.
- Select the Amex card you want to add.
- Review and agree to the terms and conditions.
- Log into your PayPal account to automatically add your card.
Via the Amex Website
- Log into your Amex account online.
- Under Account Services, click on “Card Management”.
- Click on “Add to Wallets & Merchants”.
- Select PayPal.
- Confirm your choice and pick the card to add.
- Agree to the terms and conditions.
- Log into your PayPal account to add the card.
Once added, your Amex card will be stored securely with PayPal for seamless future payments.
How to Pay Amex Bill via PayPal
Here are the steps to pay your Amex bill using your PayPal or Venmo balance
- Log into your Amex account online or via the app.
- Go to the payment section.
- Select PayPal as the payment method.
- Choose which stored Amex card’s bill you want to pay.
- Enter the payment amount and select PayPal or Venmo balance as the source.
- Review payment details and submit.
The money will be sent right away from your PayPal or Venmo account to pay your Amex bill.
Tips for Paying Amex Bill with PayPal
Follow these tips to get the most out of paying your Amex bill with PayPal:
- Set your Amex card as the preferred payment method in PayPal for one-click checkout.
- Schedule recurring payments on PayPal to automatically pay a portion of your Amex bill every month.
- Use Instant Transfer to move funds quickly from your bank account to PayPal to pay your bill.
- Check your Amex account regularly to track balances and upcoming due dates.
- Take advantage of Amex Offers and get statement credits for your PayPal purchases.
Pros of Paying Amex Bill with PayPal
There are many benefits to using PayPal to pay your Amex bill:
Easy and Fast Checkout
- Card details are stored securely so you don’t need to enter them every time.
- PayPal One Touch enables you to pay with one click.
Pay with PayPal or Venmo Balance
- Instantly use your funds to pay your bill.
- Clear out unused balances.
Earn Rewards and Benefits
- Get points, miles, cashback and other rewards on eligible purchases.
- Access Amex benefits like purchase protection and rental car insurance.
Enhanced Security
- PayPal and Amex provide layers of protection against fraud.
- No need to expose card details unnecessarily.
Seamless Experience
- Manage your PayPal payments and Amex bill in one place.
- Automatic syncing between Amex and PayPal accounts.
Cons of Paying Amex Bill with PayPal
While paying your Amex bill via PayPal has many advantages, there are a couple of limitations to consider:
Can’t Set Up Autopay Directly
- Autopay must be set up from the Amex side for recurring payments.
- PayPal payments have to be initiated manually each time.
No PayPal Credit Option
- You cannot use your PayPal Credit balance or line of credit to pay Amex bills.
Potential PayPal Fees
- PayPal charges a fee for instant bank account transfers above a certain limit per month.
Limits with Venmo
- Weekly rolling limits of $799.99 for instant transfers from Venmo balance.
Additional Steps
- It takes a few extra steps to link Amex cards and make PayPal payments compared to paying directly.
Common Questions about Paying Amex with PayPal
Can I use PayPal Credit for Amex bills?
PayPal Credit can’t be used to pay off Amex bills right now, which is a shame. You can only use your available PayPal or Venmo balance.
Is there a fee to use PayPal to pay my Amex?
PayPal does not charge any fee specifically for paying your Amex bill. However, fees can apply for instant transfers from your bank account if you exceed the free limit.
How long does it take for PayPal payment to reflect on my Amex?
Payments made via PayPal are instantly transferred so your Amex account is updated right away.
Can I set up autopay for my Amex bill on PayPal?
Autopay has to be set up directly on your Amex account. PayPal payments have to be initiated manually for each bill payment.
Can I use multiple PayPal accounts to pay my Amex?
Yes, you can use different PayPal accounts to pay your Amex bill. Add your Amex card as a payment method in each account.
The Bottom Line
Paying your Amex bill through PayPal provides cardholders with more flexibility and convenience in managing bills. It enables you to instantly use available funds in PayPal or Venmo to pay your Amex statement balance seamlessly.
Although there are limitations like no autopay and potential fees, the pros generally outweigh the cons for most users. Linking your Amex card to PayPal takes just a few minutes but provides a faster, simpler checkout experience along with enhanced security.
Key Takeaways:
- Amex cardholders can add their card to PayPal to pay bills with their PayPal/Venmo balance.
- Payments instantly transfer from PayPal/Venmo to the Amex account.
- It offers easy checkout, rewards, security, and the option to use available balances.
- Pros include faster checkout, rewards, security, and using existing funds.
- Cons are no autopay, potential fees, and extra steps compared to direct payment.
- Overall, paying Amex via PayPal is beneficial for most users despite a few limitations.
