Is it better to pay an invoice with a credit card or bank transfer?

A credit card lets you earn rewards and improve cash flow. A bank transfer usually has no fees. The best choice depends on whether you value points or zero fees.

Can I pay any supplier’s invoice with a credit card?

Yes. Through Incredible, you can pay invoices with a credit card even if the supplier does not accept cards directly.

Do credit card invoice payments improve cash flow?

Yes. Paying an invoice with a credit card gives you extra time before repayment, helping you manage cash flow more easily.

Pay Invoices with a
Credit Card vs Bank Transfer

A simple comparison of cost, convenience, and rewards to help you choose the best way to pay your bills

Best for rewards & flexibility

Credit card via Incredible

Best for simplicity

Bank Transfer

*Fees start from 1.99%
See full comparison below

Recommended

Credit card

via Incredible

Bank Transfer

Traditional method

Earn rewards

Improve cash flow

Pay with credit card directly

Immediate payment?

5 days processing time

Choose Incredible if you want:

To earn rewards on bills you're already paying
Better cash flow flexibility with interest-free periods
To pay billers with your credit card directly

Download now

Choose bank transfer if you want:

Simple, instant payment
No need to manage credit card balances
Rewards aren't important to you

Frequently Asked Questions

If there's anything we haven't covered, just let us know at: support@getincredible.com

Can I pay an invoice with a credit card?

Yes! Incredible lets you pay any invoice with your credit card, even if the biller doesn't accept card payments directly. This includes UK business accounts only.

Do suppliers need to accept card payments?

No - Incredible handles the payment for you.

Will I earn rewards when paying invoices through Incredible?

Absolutely. When you pay bills via Incredible using your credit card, you'll earn all the usual rewards, cashback, or points that your card offers - just as if you made any other purchase.

Are there any fees for using Incredible to pay bills?

Incredible charges a small transaction fee to process payments. However, for many users, the rewards earned outweigh this cost, especially on high-value bills like rent.

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Pay Invoices with a
Credit Card vs Bank Transfer

Feature Comparison

Which is better for you?

Choose Incredible if you want:

Choose bank transfer if you want:

Frequently Asked Questions

START YOUR INCREDIBLE PLAN TODAY

Feature Comparison

Which is better for you?

Choose Incredible if you want:

Choose bank transfer if you want:

Frequently Asked Questions

START YOUR INCREDIBLE PLAN TODAY

Download Incredible