Can You Pay a Credit Card With Another Credit Card?

Credit card companies tend not to permit customers to directly pay off their debt with another credit card as it can be cost prohibitive and lead to debt revolving through accounts indefinitely.

Balance transfers and cash advances offer solutions, and can potentially save money while earning rewards – however they should only be used with extreme caution.


Credit cards can be an efficient and rewarding way to manage debt and build rewards, but some individuals may be tempted to use one card to pay off another. Unfortunately, financial institutions typically prohibit customers from making such transactions due to associated transaction fees; it costs credit card companies money for processing such payments so they’d rather keep that revenue than lose out.

Paying off one credit card with another may not be wise as this could cause excessive debt and make payments harder to keep up with, potentially leading to missed payments that could harm both your credit score and overall financial wellbeing.

Applying credit cards to other debt can result in high-interest rates, and some credit card providers do not permit such transactions. Furthermore, using them can be risky; it’s easy to go overboard and end up with too much debt. Credit card debt can also be very stressful and finding solutions could prove challenging if your balances become excessively large.

However, there are indirect ways of paying off credit cards with other cards. Two primary options include balance transfers or cash advances – each option offers its own set of advantages and disadvantages, so it’s crucial that you research them both thoroughly before making your decision.


Credit card debt can be one of the greatest financial risks people face. You can avoid falling into its trap by making timely payments on all credit cards and adhering to a budget that keeps spending under control. If your minimum payments become challenging to manage, balance transfers or cash advances might seem appealing; however, they could come with additional fees and interest charges; it would generally be wiser to use cash advances or balance transfers instead. Whenever possible, avoid paying your existing card with another one until absolutely necessary.

Though you cannot directly use a credit card to repay another one directly, there are ways you can still do it indirectly. Balance transfers or cash advances allow you to use this method as payment; however, credit card companies prohibit this practice as it would increase expenses by enabling people to keep shifting debt around without ever actually clearing it off.

Balance transfers involve moving all or part of your existing credit card debt from one card to another. Usually, this involves giving the new card the details of both cards (plus some personal data such as identity), before paying off your outstanding debt with this new one. Some cards offer attractive introductory rates on balance transfers that could make this option beneficial if making minimum payments is becoming increasingly difficult; but make sure that this offers doesn’t expire within a set time frame before applying for one!

One reason many people turn to credit cards to pay off other debt is to reduce interest payments. Although this strategy can work well if done judiciously, if misused it can easily spiral into more debt than you need. A credit card is an unsecured form of revolving credit which allows users to carry balances for set periods before needing to repay. Any late or missed payments could incur higher rates and late fees than would otherwise apply.

Credit card companies often charge fees for any transactions that exceed your limit, particularly cash advances (which many issuers consider cash advances). This can quickly lead to large balances owing, which can be hard to manage. If using a credit card to repay debts is necessary for you, be sure that there are enough funds in your bank account on payment day otherwise more debt may accumulate or your score might even drop!