Pay Invoices with a
Credit Card vs Bank Transfer

Understanding the difference
Bank transfer is the default way to pay vendors, invoices or one-off bills in the UK - electrician, broadband, council tax, and rent. It's simple and instant, and can be sent directly from your Open Banking app. The downside? You earn nothing back, and you lose control over the exact timing of payments.
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Paying bills with a credit card flips that equation. Instead of money leaving your account automatically, you're using your card's interest-free period to delay the outflow while earning rewards on spending you were going to do anyway. For high-value bills like rent or council tax for a business, extending your cashflow can be meaningful, or even a 1% cashback rate adds up meaningfully over a year.
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The catch has always been that most UK billers don't accept credit cards directly - which is exactly the gap Incredible solves. Incredible acts as the bridge, letting you pay any biller with your credit card, even if they only accept Direct Debit or bank transfer.
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Which should you choose?
If you pay your credit card balance in full each month and want to earn rewards on bills you're already paying, credit card via Incredible is the stronger option. If you prefer simplicity and don't want to think about it, paying by bank transfer remains the easiest route.