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Can You Pay a Credit Card With Another Credit Card?

December 15th, 2025
Grace Guo

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Grace Guo

can you pay a credit card with another credit card

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Usually, no. Most credit card companies won’t let you make a credit card payment using another credit card.

They typically accept payments from a bank account (like online banking bill payments).

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What You Can Do Instead

1) Use a Balance Transfer

A balance transfer moves your debt from one credit card to another card, often with a promo rate for a set time. You usually pay a one-time transfer fee.

This does not “pay your bill” with a card at checkout. It moves the debt.

2) Use a Cash Advance (Usually a Bad Deal)

You can take a cash advance from Card B, then use that cash to pay Card A.

But cash advances often have:

  • fees

  • interest that starts right away (no grace period)

This can get expensive fast.

3) Third-Party Payment Services (Limited and Often Not for Credit Cards)

Some third-party platforms let you pay certain bills by credit card, usually for a fee.

But many of these services do not support paying off credit cards, and rules vary a lot.

If You’re Trying to Avoid Missing a Payment

  • Pay at least the minimum by the due date.

  • Set up autopay for the minimum payment if you can.

  • Make payments earlier if you’re waiting for money to arrive.

Note: KOHO product information and/or features may have been updated since this blog post was published. Please refer to our KOHO Plans page for our most up to date account information!

About the author

Grace is a communications expert with a passion for storytelling. This hobby eventually turned into a career in various roles for banks, marketing agencies, and start-ups. With expertise in the finance industry, Grace has written extensively for many financial services and fintech companies.

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