Can I Pay My Credit Card Bill With Cash? Everything You Need To Know

Paying your credit card bill with cash may seem outdated in today’s digital world. However there are still situations where paying with cash can be necessary or preferred. This comprehensive guide covers everything you need to know about paying your credit card bill with cash.

Why Would You Want To Pay With Cash?

There are a few key reasons why paying your credit card bill with cash could be advantageous

  • You don’t have a bank account. Approximately 5% of U. S. households are unbanked, meaning they don’t have a checking or savings account. Without a bank account, paying bills online or with a check isn’t possible. Paying with cash is often the only option.

  • You want to avoid overdraft fees. Paying your bills with cash keeps your bank account from going overdrawn, which keeps you from having to pay expensive overdraft fees.

  • You need to pay during an internet/power outage. You might have to pay in cash at a branch if you lose internet or power right before a payment is due. This way, you can avoid late fees and damage to your credit.

  • You are paid in cash. Many service industry jobs pay predominantly in cash tips. For waiters, bartenders, hair stylists and more, paying bills directly from cash earnings can be simpler than first depositing into a bank.

  • You budget in cash. People who use the envelope budgeting system often allocate cash directly to bills. Paying with their physical cash allocation just makes sense.

  • You want to avoid credit card debt. Paying with cash can motivate you to only spend what you actually have on hand, avoiding overspending on credit.

How To Pay Your Credit Card Bill With Cash

If you need to pay your credit card bill with cash, here are the main methods:

In-Person At The Bank

The most straightforward option is to simply go to your credit card issuer’s nearest bank branch and make the payment in person with cash. Here’s how it works:

  • Call ahead or check online to find your closest branch with tellers. Note branch hours.

  • Bring your credit card bill and the cash amount owed. Having the bill will make the payment process faster.

  • Get in line to see a teller. Let them know you want to make a cash payment on your credit card.

  • Provide your account information and the cash payment amount. Get a receipt showing your payment.

  • Your cash payment will typically post to your account within 1-2 business days.


Some credit card issuers also allow you to insert cash payments on your credit card at their ATMs, much like depositing into a bank account. Here are some tips for paying at the ATM:

  • Make sure your issuer allows ATM payments and locate participating ATMs near you.

  • Insert your credit card into the ATM and select “Make a Payment” from the menu, not “Get Cash”.

  • Follow prompts to insert your cash payment and confirm account details. Get a receipt.

  • As with tellers, payments should post to your account within 1-2 business days in most cases.

Money Order

If going to a branch isn’t feasible, you can also get a money order with your cash to mail to your credit card company. Here’s how:

  • Purchase a money order at your post office, grocery store, Walmart or other retailer. Bring enough cash to cover the amount due plus the money order fee.

  • Make the money order out to your credit card issuer. Include your account number in the memo line for faster processing.

  • Mail the money order using a tracked service like certified mail to have delivery confirmation.

  • Payments via mailed money orders take around 5 business days to post.

No matter how you pay with cash, be sure to get documentation showing you made the payment on time in case any issues come up!

Mistakes To Avoid When Paying Credit Cards With Cash

While paying credit cards with cash can be done, there are some common mistakes to avoid:

  • Mailing cash directly. Never just put cash in an envelope and mail it. It’s not traceable if lost and many issuers won’t accept loose cash.

  • Forgetting branch hours. If you wait until the last minute, make sure you check branch hours so they are open when you need to pay.

  • Not getting a receipt. Always get a paper receipt from tellers or print the ATM confirmation to prove your cash payment went through.

  • Sending to the wrong address. If using money orders, triple check you have the exact payment mailing address for your specific card issuer.

  • Running out of time. Mailed payments take longer to post, so mail your money order payment at least 5 business days before the due date to avoid late fees.

Tips For Managing Cash Payments On Credit Cards

If you plan to periodically make cash payments on credit card bills, here are some helpful tips:

  • Ask about cash payment limits. Some issuers limit how much cash can be paid in a single transaction. Know the threshold so you can split payments if needed.

  • Set payment reminders. Since you aren’t relying on autopay, calendar reminders to pay on time can be crucial.

  • Inquire about waived late fees. Some issuers may waive the first late fee if you explain the cash payment issue. Doesn’t hurt to call and ask!

  • Look into money orders in bulk. If you use money orders frequently, you may save money buying a pack of them upfront at Sam’s Club or Costco vs. individually at the post office.

  • Partner with a friend or family member. If you can’t get to a branch conveniently, give cash to a trusted person and have them make the in-person payment for you.

The Bottom Line

While less common today, paying a credit card bill with cash is still a viable option in many situations. The best methods are paying in-person at a bank branch, at a select ATM, or mailing a money order purchased with cash. Just be sure to avoid potential pitfalls like mailing cash directly or forgetting to get a receipt. With some planning and organization, paying credit card bills with cash can be simple and straightforward.

Can I Pay My Credit Card Bill With Cash

How to Pay Your Credit Card in Cash

If you want to pay your credit card bill in cash this month, here are some simple ways to do so:

  • At a branch: Visit the card issuers branch to pay at the counter in person. Let the teller know you want to pay your credit card bill and provide your cash payment.
  • Via an ATM: Go to your card issuers ATM:
    • To pay your credit card in cash at the ATM, insert your credit card as you would your debit card when making a withdrawal.
    • On the screen, select the payment and follow the instructions to insert your cash payment. Take precautions to make sure the ATM counts your cash payment correctly.
  • Money order: Purchase a money order with cash to mail to your credit card issuer.

Dont mail cash directly to your credit card provider, as any losses may not be recuperated.

Should You Pay Your Credit Card in Cash?

You can pay your credit card in cash if it is the option that makes the most sense for you. Some situations may make a cash payment the best option, such as if:

  • You are unbanked. If you do not have a bank account from which you can sign up for autopay or online payments for your credit card, paying in cash may be your best option. Paying in cash at a bank or ATM can help you maintain on-time payments for your credit card even if you dont have access to a bank account.
  • Youre experiencing a connection outage. Experiencing connection issues like a power outage or phone issues on the day when a bill is due can be nerve-wracking. But if you can travel to a branch or ATM to pay your card in cash, you can still get your credit card paid on time.
  • You are paid in cash. For workers such as servers who get many cash tips, being able to pay some of your bills directly out of your earnings may be convenient. This permits you to skip the middleman and wait time of making a bank deposit.
  • You are a cash envelope-based budgeter. For those who use cash primarily to budget, you may find it easiest to collect what you owe on your credit card in dollars and cents over the month. Then you can pay off the balance in cash. Doing so might save you time on deposits and digital transfers.

If paying your credit card in cash makes sense for you, consider also paying off the full balance when you go to make your cash payments. Doing so can help improve your credit score and keep more of that cash in your pocket in the long run.

BEST Day to Pay your Credit Card Bill (Increase Credit Score)


Can I pay my credit card payment with cash?

Cash: If your credit card issuer has a location nearby, you may be able to pay in person with cash. Check: If your issuer accepts this form of payment, you can drop off a check in person. Or you can follow the instructions on your credit card statement to mail a check with your credit card bill.

Can I pay my Citi credit card with cash?

cash payment: to pay your Citibank credit card bill through cash, you need to visit the nearest Citibank branch and deposit the payment at the credit card bill payment counter. however, note that for cash payments, Citibank charges a processing fee.

Can I pay my credit card at a post office?

We can help you with all your personal finance needs – from credit cards and loans to mortgages and savings.

Can I pay my Capital One credit card with cash?

You can pay your Capital One credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on what payment options are available.

Can you pay a credit card in cash?

However, some card issuers have restrictions to paying in cash. Citibank, for example, only allows cash payments through their ATMs and has a monthly cap of $3,000 for credit card payments made in cash. How can I pay my American Express Credit Card?

Can I use a credit card to pay my bill?

Most credit card companies offer multiple payment options, including online payments, phone payments, and mail payments .You can also set up automatic payments to be issued directly from your primary

How do I pay my credit card with cash?

You can pay your credit card with cash by either visiting your card issuer’s branch location or at the issuer’s ATM. Most major credit card companies currently accept cash payments for credit card bills, including Chase, Capital One, Citibank, Bank of America, Wells Fargo, and U.S. Bank.

Can I pay my credit card bill with another credit card?

You can’t pay direct monthly payments for one card with another card. It’s possible to take out a cash advance on one credit card to pay off another, but it’s not a good idea. Paying your credit card bill with another credit card in an instant, fee-free way generally isn’t possible.

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