Whether you are trying to reach the need to spend minimum spending Reception motion Or simply racking at a distance of miles for your next award trip, putting everyday expenses on the credit card can unlock the serious price.
Nobody wants to give up numerals and miles enthusiastic capacity award Or Cash back On the table, but before you start swipe for each bill, it is important to follow the golden rule of the use of the credit card: always pay your remaining amount complete and timely. Doing this helps you avoid interest fees, protect your credit score and even earning credit card prizes.
When using a Reward Credit Card for recurrent bills and other expenses, every transaction is not worth charging, even if you are a responsible card holder.
Here is reported which bills are understood to pay with the credit card – and when it is better to keep that card in your wallet.
Connected: 10 commands of TPG’s credit card
How to decide whether to pay the bill with a credit card
Can you pay full balance?
If you can charge more than paying up to your due date, you can face interest fee. In fact, according to the average Apr Q2 2025 on the interest-provided credit card was more than 21%, federal Reserve,
So it is important Know your credit card Apr – Especially if you carry a balance.
Even if you take advantage of it 0% Apr proposalCarrying a balance from month to month can lead to deficiencies. Credit card loan can spend you money Hidden methodsA higher with the fact that a higher Credit card usage rate Can damage your credit score.
In general, it is best to use only your credit card only for bills and purchases, you are confident that you can make full payment by the next fixed date.
daily newspaper
Award your inbox with tpg daily newspaper
Join more than 700,000 readers for exclusive deals from braking news, in-depth guides and TPG experts
Are you fees for using your credit card?
Before entering your credit card details to pay the bill, check whether the merchant or service provider charges fees Overload,
So Bank interchange fees (Charged by banks), landlords, utility companies and other service providers often pass costs to customers who pay by credit cards.
In some cases, you may be able to ignore surcharge using alternative options. For example, Built MasterCard®* lets you Pay rent with credit card Without transaction fee (see) Rates and fees,
*TPG founder Brian Kelly is a built advisor and investor.
When it comes to traders or service providers, you can also consider switching on a card that does not go to additional fee for credit card payment.
However, sometimes, there is no avoiding overload – unless you use a different payment method. In those cases, it is worth Doing mathematics To decide whether the award will be ahead of you additional cost.
TPG Evaluation of monthly digits and miles You can help you crunch numbers. And if you are trying to fulfill a reception motion Minimum expenditure Or earning bonus prizes in a specific expense category, those additional points, miles or cash backs can tip the balance in your side.
Is fraud or procurement safety important for this transaction?
A major benefit of using credit cards provides added protection compared to debit cards, cash or check. For example, if your Debit card Used by fraud, your liability may be more. But with a credit card, Fair credit billing act (FCBA) The billing allows you to dispute fees for errors, undivided items and things like services and more.
Many credit cards also offer Purchase protectionWhich can reimburse you if a eligible object is damaged or stolen immediately after being purchased, assuming that you have paid with a card that provides this benefit. Some are also included Extended warranty benefitsIf something breaks down after the manufacturer’s warranty ends, adding additional peace of mind.
Ground level
Some? Expenditure is better than your credit card -Thiskar if you cannot pay your entire balance every month and risk racking high-onion fees. In that case, it can be wise to stop credit card expenses Payed your loan And made a plan to avoid overseasing.
But when used responsibly, credit cards can be a smart payment method – especially when you can pay the balance and avoid surcharge. Even if a fee is applied, the awards or benefits you earned can still be worth it, it depends on how mathematics works.
Connected: 13 spending you should not put on your credit card
View Built MasterCard Rates and Fee Here.
See Built MasterCard Award and Benefits Here.
