Can You Pay Off a Credit Card With Another Credit Card?

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It’s never good to have credit card debt, but many consumers who have multiple cards might wonder whether they are able to pay off their credit card with another one. Well, the simple answer is yes, however you can’t pay your monthly bills with another credit card, but instead use a balance transfer or cash advance. Therefore it’s very important to understand how either option works if you’re working to pay down your credit card balance.

When Can You Pay Off a Credit Card With Another

You can pay a credit card bill with another credit card, but it’s not like a regular credit card purchase. This is done by using either a balance transfer or a cash advance.

Using a Balance Transfers To Pay Off a Credit Card

Used strategically, balance transfers can be a great option to save on interest. Many credit cards have 0% APR for balance transfers for the first year, among other perks, as a way to convince you to bring your debt from a competitor to the new card.

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How To Do a Balance Transfer

You can do a balance transfer over the phone with an agent from your new credit card company or you can do it online. All you need is the account number from your old credit card and some patience. Banks want to make balance transfers as easy as possible, but they can still take some time.

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Beware of Scams

Be wary of any agents that call you to take information for balance transfers that you did not initiate, especially if it’s a recorded pitch. Calls like this are usually phishing scams. If this happens and you do want to do a balance transfer, then hang up and call your credit card company back on the customer service number posted online. Otherwise, you can report these scams to the Federal Trade Commission.

Paying Off a Credit Card with a Cash Advance

Take a look at some of the pros and cons of using cash advances.


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This isn’t a great idea if you have any other options.


You can use one credit card to pay another in a roundabout way. Cash advances are rarely a good idea to pay off other credit cards. Balance transfers can save you money if used strategically, but they can increase your money woes as well. Make sure you do all your math before committing.