Can You Pay a Verizon Bill With a Credit Card?

Is the Auto Pay Discount Worth More Than Card Rewards?

Verizon says the Auto Pay and paper-free billing discount is up to $10 off per line on select unlimited plans and up to $5 per line on other eligible plans.

For most people, the discount wins. To match a $10 monthly discount with a card that earns 2% cash back, you would need to charge $500 a month for that line. A $5 discount takes $250 a month to match.

Calculation formulated by Kudos, based on dividing Verizon's maximum per-line Auto Pay discount by a 2% cash back rate.

Paying by card can still make sense if your plan does not qualify for a discount, or if your card's cell phone protection matters more to you than the savings.

How to Pay a Verizon Bill With a Credit Card

1. Sign in to My Verizon. Use the website or app. Verizon also lets you pay without signing in by using your account number and ZIP code.
2. Add your card as a payment method. You can add or update payment methods in My Verizon.
3. Make the payment. Choose the card and confirm the amount. Paying through My Verizon, in a store, or with #PMT is free, while paying through a Customer Service agent carries a $10 Agent Assistance Fee.
4. Decide on Auto Pay. You can set up Auto Pay with a credit card, but only a bank account or the Verizon Visa® Card earns the discount.

Does Paying Verizon With a Credit Card Affect Your Credit?

• Utilization: Your phone bill adds to your card balance, so pay before your statement closes if you want a lower balance reported.
• Payment history: Paying your card on time builds positive history, which makes up 35% of a FICO® Score according to myFICO.
• Building credit: A predictable monthly bill paid in full can help if you are new to credit.

Other Ways to Pay a Verizon Bill

Verizon's bill payment FAQ lists several options:

• Bank account: Add it in My Verizon, including through the Online Banking option powered by Trustly.
• Debit card: Accepted for payments. Verizon says debit card Auto Pay enrollments made before February 14, 2024, keep the discount.
• Cash: At a Verizon store or at CheckFreePay and Western Union locations, which may charge up to $3.
• Mail: Check or money order. Verizon charges a returned payment fee if a check is returned.

Which Credit Card Should You Use for Your Verizon Bill?

If you decide to pay by card, a flat-rate card is a simple choice, and a card with cell phone protection adds coverage for your device. The Citi Double Cash® Card earns 2% cash back on purchases (1% when you buy and 1% as you pay) with a $0 annual fee.

[[ SINGLE_CARD * {"id": "580", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Monthly Bills", "headerHint": "2% on Purchases"} ]]

You can compare cards with phone protection and strong everyday rates in the Kudos Explore tool. For cards that offset phone costs, see credit cards that pay for your phone bill, phone insurance, or both.

Can Kudos Help Lower Your Verizon Bill?

Verizon is one of the providers supported by AI bill negotiation in Kudos Premium. An AI agent negotiates your phone bill with Verizon on your behalf, and you keep 100% of the savings.

Read how it worked for Tikue Anazodo, our co-founder and CEO, in How Kudos Saved Me $840 a Year on My T-Mobile Bill. Results depend on your plan and account.

Frequently Asked Questions

Does Verizon charge a fee to pay with a credit card?

No. Verizon says there is no charge for payments made through My Verizon, at a Verizon store, or by dialing #PMT. Paying through a Customer Service agent costs $10, and non-Verizon payment locations may charge up to $3.

Can I get the Auto Pay discount with a credit card?

Only with the Verizon Visa® Card. Verizon requires a bank account or the Verizon Visa Card for the Auto Pay and paper-free billing discount.

Can I use a debit card for Auto Pay?

Yes, but Verizon says only debit card enrollments made before February 14, 2024, keep earning the discount.

Does Verizon take Apple Pay?

See our guide on whether Verizon takes Apple Pay.