You can expect to receive your statement approximately every 30 days. Your statement will include your Payment Due Date for that month. Keep in mind that while your statement dates can vary slightly from month to month, your Payment Due Date will remain the same. You can also view your Payment Due Date by logging into your account online or in the American Express® App and navigating to “Statements”. You can make a payment at any time before your Payment Due Date.
Go paperless You can choose to enroll in paperless delivery of your statements and account communications by logging into your digital account and navigating to Account Preferences. Then youll receive statements and communications online and receive helpful account alerts straight to your inbox.
Use the bank account on file to pay – you can add a bank if youve not yet linked one.
Choose the amount you’d like to pay, your payment date, and confirm your one-time payment – you’re all set.
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If you have an American Express card, you likely know you can use it to make purchases and earn rewards But did you know you can also use a credit card to pay your Amex bill? Paying your Amex bill with another credit card allows you to earn additional rewards and benefits This guide will explain how paying an Amex bill with a credit card works, the potential benefits, and steps for making credit card payments to your Amex account.
Overview of Paying Amex Bills with a Credit Card
Most credit cards allow you to use them to pay bills, including your American Express account statement balance. When you use a credit card to pay your Amex bill, the payment is treated as a regular purchase on that credit card. This means you’ll earn the standard rewards for that purchase amount based on your credit card’s rewards program.
By using another rewards credit card to pay your Amex bill, you have the potential to earn bonus points, miles, or cashback on payments you would be making anyway. Depending on the rewards structures, you may come out ahead versus earning just Amex Membership Rewards.
However it’s important to consider any fees associated with paying bills through credit cards. Some issuers charge convenience fees for bill pay. Be sure to review fee terms so you don’t negate any rewards earned.
Key Benefits of Paying Amex with a Credit Card
There are a few advantages to paying your American Express card bill with another credit card, including:
- Earn rewards and benefits on your Amex payment amount
- Meet minimum spend requirements on new credit cards
- Maximize category bonuses from your credit card
- Take advantage of promotional 0% APR offers
- Consolidate spending onto one bill
- Enjoy extended warranty protection
However, you’ll want to ensure any rewards outweigh potential fees and elevated interest charges if carrying a balance.
Steps to Pay an Amex Bill with a Credit Card
Paying an American Express bill with a regular credit card is straightforward. Here are the basic steps:
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Log into your Amex account online or via the mobile app.
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Select “Pay Bill” and choose the account you want to make a payment on.
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Enter the payment amount, which can be the full or partial balance.
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Provide the credit card details you want to use for payment.
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Review payment details and submit.
The credit card payment will be processed instantly and posted to your Amex account in 1-2 business days. The payment will also appear as a purchase on your credit card.
Tips for Maximizing Rewards
To maximize your bonus earnings when paying an American Express bill with a credit card, consider these tips:
- Use a card that offers high rewards rates on general purchases
- Pick a card with a current promotional bonus category like groceries or gas
- Time payments to meet minimum spend requirements on new cards
- Check if any Amex offers are available for extra points
- Pay early in your credit card cycle to get the bonus
- Push payment amounts slightly higher to hit tiered rewards
- Use a card with purchase protections like extended warranty
Things to Consider Before Paying Amex with a Credit Card
While this strategy can net you additional rewards, there are a few factors to keep in mind:
- Possible convenience or processing fees from the credit card issuer
- Increased credit utilization if not paying statement balance in full
- Elevated interest charges by carrying a balance
- Overspending to chase rewards
- Forfeiting Amex Membership Rewards points
Always make sure to pay your Amex bill on time and evaluate if rewards outweigh costs before paying with a credit card.
Best Credit Cards for Paying Amex Bills
Some top credit cards to consider using to pay your Amex bill for maximum rewards include:
- Chase Freedom Unlimited – 1.5% cash back on all purchases
- Citi DoubleCash – 2% cashback on everything (1% when you pay, 1% when you make the Amex payment)
- Chase Freedom Flex – 5% cashback quarterly bonus categories
- Bank of America Customized Cash Rewards – 3% category of your choice
- Wells Fargo Active Cash – 2% cash rewards on all purchases
- Capital One SavorOne – 3% cash back on groceries
- Discover It – 5% cashback quarterly categories
Compare your options and do the math to determine which card maximizes value when paying your American Express bill.
Drawbacks to Paying Amex with a Credit Card
While this strategy can earn lucrative credit card rewards, potential disadvantages include:
- Higher credit utilization if carrying balances
- Interest charges if not paying statement balances in full
- Processing fees from credit card companies
- Time spent managing multiple card accounts
- Forfeited Amex Membership Rewards points
- Requires extra diligence and planning
Evaluate your specific situation carefully and run the numbers before pursuing this approach.
Tips for Managing Payments Responsibly
If you decide to pay Amex bills with a credit card, follow these tips for responsible management:
- Make payments on time to avoid late fees
- Create payment reminders and alerts
- Pay full statement balances monthly to avoid interest
- Create a budget to avoid overspending
- Routinely review statements for errors
- Monitor credit scores and utilization
- Automate payments for convenience
- Have a plan for earning and redeeming rewards
Is Paying Amex Bills with a Credit Card Right for You?
This approach can make sense for maximizing rewards but also requires planning and diligence. Carefully consider the pros and cons for your financial situation. Analyze potential earnings versus costs, fees, and time investment required. But paying your Amex bill with a rewards credit card can be a “win-win” with some extra effort.
Paying your monthly American Express bill with a rewards credit card can help you earn valuable points, miles, and cash back on payments you’re already making. Just be sure to assess fees and interest charges first and have a plan for organizing payments across accounts. Used responsibly and strategically, this approach can take your rewards earnings to the next level!
Decide which type of scheduled payment is right for you
You can customize your AutoPay amount to fit your needs. You’ll need to pay at least the Minimum Payment Due each month.
Minimum Payment Due The amount you need to pay each month to keep your account in good standing.
Total New Balance Your Statement Balance, including payments made and credits received.
Adjusted Balance Your Total Balance, including Plan It or Pay Over Time payments.
Other Amount AutoPay will debit a fixed amount of your choice each month.
If this Other Amount is less than the minimum amount that is due in any billing period, American Express will increase the debited amount to the minimum amount due for that billing period.
Avoid missed payments with AutoPay
AutoPay lets you schedule payments that will automatically debit from your bank account each month. That means AutoPay enrollment may help you avoid missing your Payment Due Date and incurring late fees*. You can easily enroll in AutoPay online. Keep in mind, only the Primary Card Member can enroll in AutoPay.
To enroll in AutoPay, simply open your Amex® App. If you dont have the Amex® App, you can easily download it in the app store. You can also enroll in AutoPay online. Log into your account with your username and password, navigate to the “Payment” section, and select “Start AutoPay.”.
*Card Members who enrolled in Autopay prior to 10/23/2020, and opted to pay a specific dollar amount, may still incur a late fee if such specified dollar amount is less than the Minimum Payment Due and the difference is not paid by the Payment Due Date.
How to Pay American Express Credit Card Bill via Amex app
FAQ
Can I pay my Amex with a credit card?
You can make a payment through your online account anytime. Here’s how: – Choose your payment amount, then select your bank account and payment date. Currently, credit cards and debit cards cannot be accepted as a form of payment.
Can I pay bills using Amex credit card?
Fortunately, the answer is, “yes. This could help you save money on late fees by making it easier and faster to pay your bills. You might also be able to get rewards when you pay your bills if you have a rewards credit card.
Can I pay a credit card bill through a credit card?
Unfortunately, no. With most credit card companies, you can’t use another credit card from the same bank to pay off your bills. This option is usually available only across different banks.
Can I pay my Amex card with another card?
You can use your Online Services or the Amex App to pay your bill every month. You can use a debit card from the main cardholder to pay with a Visa, Switch, Solo, Maestro, Mastercard, Electron, or Delta card.
How do I make an AmEx credit card payment?
If American Express gave you your Amex card, the only ways to pay are online, with the app, over the phone, or by sending a check. The easiest way to make an Amex credit card payment is online or with the American Express app. Just log in, click “Make a Payment,” and choose or add your preferred bank account to pay from.
Can I pay my American Express bill online?
If you have an American Express card from a different bank or credit union but it’s on the American Express network, you can only pay your bill in person. That’s because Amex does not have any physical locations. If American Express gave you your Amex card, the only ways to pay are online, with the app, over the phone, or by sending a check.
Can I pay my American Express credit card bill with another credit card?
You cannot pay your monthly American Express credit card bill directly with another credit card. Most credit card companies do not allow this. However, you can pay your Amex bill using a credit card through a balance transfer. They generally accept payment by bank transfer, debit card, check or money order instead.
How do I Check my American Express card payment status?
This number can be quoted for any transaction queries. If you don’t get a “SUCCESS” message for the transaction and the money is taken out of your bank account, please check the payment status online at your American Express Card Account after 1-2 business days.
When will my American Express card be credited?
Your American Express Card will be credited with the amount you authorised within 2 business days. Can I pay for my add-on and supplementary cards too? You can only pay for American Express credit cards, which includes add-on and supplementary cards.
