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Can You Pay BGE With a Credit Card?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
Yes. Baltimore Gas and Electric (BGE) accepts Visa, Mastercard, American Express, and Discover credit cards through its payment processor, Paymentus. A convenience fee is charged for card payments, so check the amount before you confirm.
Should You Pay BGE With a Credit Card?
Paying a utility bill by card can make sense, but only when the numbers work.
Benefits
- Rewards: You can earn points, miles, or cash back on a bill you have to pay anyway.
- Timing: A card can cover the bill on its due date if your paycheck lands a few days later.
- Protection: Credit cards offer fraud protection and a formal process for disputing incorrect charges.
Costs
- Convenience fee: Paymentus charges a fee on card payments, which can cancel out a typical 1% to 2% reward.
- Interest: If you don't pay your card in full, interest quickly makes your energy bill more expensive.
How to Pay BGE With a Credit Card
Here is the general process. Have your BGE account number handy, since it appears on every bill.
- Choose your card: Pick a card whose rewards rate is higher than the convenience fee as a percentage of your bill. Compare options in Kudos Explore.
- Call Paymentus or pay online: BGE lists Paymentus at 833.209.5245 for phone payments by checking account, debit card, or credit card. The Pay My Bill section on BGE.com lists your other payment options.
- Review the fee: Confirm the convenience fee and total amount before you submit.
- Save your confirmation: Keep the confirmation number until the payment shows on your BGE account.
Impact on Your Credit Score
Paying BGE by card doesn't affect your credit directly, but it changes your card balance. Keep these factors in mind.
- Credit utilization: A large winter or summer bill raises your card balance. Paying it off before your statement closes keeps your reported utilization low, as explained in our guide to paying before the statement closing date.
- Payment history: Paying your card on time protects your score. Payment history makes up 35% of a FICO Score.
- New credit: Opening a new card to pay bills adds a hard inquiry, which can cause a small, temporary dip.
Other Ways to Pay BGE
Pay Online With ePay or Bank Bill Pay
BGE's ePay service lets you pay through your BGE.com online account. Many banks also offer bill pay services that can send your payment to BGE.
Pay by Mail
Mail the bottom portion of your bill with a check or money order to BGE, P.O. Box 13070, Philadelphia, PA 19101-3070. BGE asks customers not to send cash or include other correspondence with payments.
Pay in Person
BGE lists authorized payment locations, including America's Cash Express, Fidelity Express, Walmart, and Western Union. Visit BGE.com and select Pay My Bill for current locations.
Budget Billing
If seasonal bills strain your budget, BGE's Budget Billing plan spreads your energy costs into more predictable monthly payments.
Choose the Right Card to Pay BGE
Utility bills usually earn your card's base rate, so a flat-rate card is often the best fit if you decide to pay by card. Our guide to the best 2% cash back credit cards is a good place to start.
Kudos is a free browser extension and app that recommends the card in your wallet that earns the most at each store. With Kudos Premium, it can also track your card benefits and auto-activate eligible card-linked offers. You can sign up for free in a few minutes.
Frequently Asked Questions
What credit cards does BGE accept?
BGE lists Visa, Mastercard, American Express, and Discover credit cards, plus debit cards and checking accounts, for payments through Paymentus.
Is there a fee to pay BGE with a credit card?
Yes. BGE says a convenience fee is charged for payments made through Paymentus. Confirm the fee amount before you finalize the payment.
How can I avoid the convenience fee?
Mailing a check or money order avoids third-party processing fees, though it takes longer to arrive. For ePay or your bank's bill pay service, check BGE.com or your bank for any fees before you pay.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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