Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Pay Discover with A Credit Card?

No, you generally cannot pay your Discover bill with another credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

No, Discover does not permit you to pay your credit card bill directly with another credit card.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Pay Discover With A Credit Card?

Weighing the pros and cons can help you decide if it's the right move.

Benefits

  • You could earn rewards like points or cashback on the payment transaction.
  • A new card may offer a 0% introductory APR, giving you an interest-free period to pay down the balance.
  • It can be a method to consolidate debt from multiple cards onto a single account.

Costs

  • Balance transfers typically include a fee, usually 3% to 5% of the total amount.
  • If treated as a cash advance, the payment will incur high fees and immediate interest charges.
  • The transaction may not be categorized as a purchase, making it ineligible for rewards.
An icon of a lightbulb
Kudos Tip
More:

How to Pay Discover With A Credit Card

Paying your Discover bill with another credit card requires a few extra steps, typically involving a balance transfer or cash advance. Here’s a general overview of the process.

  1. Review Your Discover Statement: Before taking action, check your current balance, minimum payment, and due date. Knowing the exact amount you owe is crucial for planning the payment and avoiding any potential late fees.

  2. Choose the Right Card: Select a credit card to use for the payment, ideally one offering a 0% introductory APR on balance transfers to minimize costs. You can use Kudos' Explore Cards tool to find and compare different card options.

  3. Initiate a Balance Transfer: Contact your new card issuer to start a balance transfer. You will need to provide your Discover account number and the total amount you want to transfer. This process can typically be completed online or over the phone.

  4. Consider a Cash Advance: Alternatively, you can take a cash advance from a different credit card and deposit the funds into your bank account. From there, you can make a standard payment to Discover. Be mindful that cash advances usually have high fees and interest rates.

  5. Confirm the Transaction: Once the balance transfer or payment is complete, double-check both your Discover account and the new card’s statement to ensure the transaction posted correctly and your balance is settled.

More:

Impact On Your Credit Score

While you can't pay your Discover bill directly with another credit card, using methods like balance transfers or cash advances can influence your credit. Here are a few key considerations for your credit score.

  • Credit Utilization Ratio. This action increases the balance on the card used for payment, raising its credit utilization. A higher ratio can negatively impact your score, as it may signal greater financial risk to lenders.
  • Hard Inquiries. Applying for a new balance transfer card typically results in a hard inquiry on your credit report. Multiple hard inquiries within a short time can cause a temporary dip in your credit score.
  • Debt Management. Shifting debt from one card to another doesn't reduce your total amount owed. It's crucial to have a clear plan to pay down the new balance to avoid a worsening debt cycle.

Alternative Ways To Pay Discover

Payments from Your Bank Account

You can pay your Discover bill directly from a checking or savings account without using another credit card. This can be done online through the Discover portal or your bank's bill pay service. Alternatively, you can mail a physical check or money order to the payment address listed on your statement. For immediate processing, you can also make a payment over the phone by providing your bank account information to a customer service representative.

Automated Payment Settings

To simplify the process, consider adjusting your payment settings to enable AutoPay. This feature allows you to schedule recurring payments automatically each month. You can choose to pay the minimum amount due, the full statement balance, or a fixed custom amount. Setting up automatic payments is an effective way to ensure your bill is paid on time, helping you avoid potential late fees and manage your account with less manual effort.

Choose the Right Card to Pay Discover

Whether you're looking for a balance transfer card to manage your Discover balance or simply want better rewards, navigating the sea of nearly 3,000 credit cards can be daunting. Kudos’ Explore Tool simplifies the process, helping you filter through the noise to find the perfect match for your financial goals. Instead of pushing sponsored cards, the tool uses your preferences for things like low interest or travel perks to show you the best options, making it easy to find the best card for your needs.

If you want to get more from your credit cards, Kudos is the ultimate free tool for online shopping. We're also giving you $20 back on your first eligible purchase when you sign up for free with code “GET20” and buy from a Boost merchant.

Frequently Asked Questions

What are the risks of paying a credit card with another credit card?

This can lead to a cycle of debt, high fees, and potential damage to your credit score.

Are there fees for using a third-party service to pay my Discover bill?

Yes, third-party services typically charge processing fees, which can add a significant amount to your payment.

Does paying a credit card with another count as a cash advance?

Often, yes. Using a credit card for a bill payment service is usually treated as a cash advance.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

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.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Pay Discover with A Credit Card?

No, you generally cannot pay your Discover bill with another credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

No, Discover does not permit you to pay your credit card bill directly with another credit card.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Pay Discover With A Credit Card?

Weighing the pros and cons can help you decide if it's the right move.

Benefits

  • You could earn rewards like points or cashback on the payment transaction.
  • A new card may offer a 0% introductory APR, giving you an interest-free period to pay down the balance.
  • It can be a method to consolidate debt from multiple cards onto a single account.

Costs

  • Balance transfers typically include a fee, usually 3% to 5% of the total amount.
  • If treated as a cash advance, the payment will incur high fees and immediate interest charges.
  • The transaction may not be categorized as a purchase, making it ineligible for rewards.
An icon of a lightbulb
Kudos Tip
More:

How to Pay Discover With A Credit Card

Paying your Discover bill with another credit card requires a few extra steps, typically involving a balance transfer or cash advance. Here’s a general overview of the process.

  1. Review Your Discover Statement: Before taking action, check your current balance, minimum payment, and due date. Knowing the exact amount you owe is crucial for planning the payment and avoiding any potential late fees.

  2. Choose the Right Card: Select a credit card to use for the payment, ideally one offering a 0% introductory APR on balance transfers to minimize costs. You can use Kudos' Explore Cards tool to find and compare different card options.

  3. Initiate a Balance Transfer: Contact your new card issuer to start a balance transfer. You will need to provide your Discover account number and the total amount you want to transfer. This process can typically be completed online or over the phone.

  4. Consider a Cash Advance: Alternatively, you can take a cash advance from a different credit card and deposit the funds into your bank account. From there, you can make a standard payment to Discover. Be mindful that cash advances usually have high fees and interest rates.

  5. Confirm the Transaction: Once the balance transfer or payment is complete, double-check both your Discover account and the new card’s statement to ensure the transaction posted correctly and your balance is settled.

More:

Impact On Your Credit Score

While you can't pay your Discover bill directly with another credit card, using methods like balance transfers or cash advances can influence your credit. Here are a few key considerations for your credit score.

  • Credit Utilization Ratio. This action increases the balance on the card used for payment, raising its credit utilization. A higher ratio can negatively impact your score, as it may signal greater financial risk to lenders.
  • Hard Inquiries. Applying for a new balance transfer card typically results in a hard inquiry on your credit report. Multiple hard inquiries within a short time can cause a temporary dip in your credit score.
  • Debt Management. Shifting debt from one card to another doesn't reduce your total amount owed. It's crucial to have a clear plan to pay down the new balance to avoid a worsening debt cycle.

Alternative Ways To Pay Discover

Payments from Your Bank Account

You can pay your Discover bill directly from a checking or savings account without using another credit card. This can be done online through the Discover portal or your bank's bill pay service. Alternatively, you can mail a physical check or money order to the payment address listed on your statement. For immediate processing, you can also make a payment over the phone by providing your bank account information to a customer service representative.

Automated Payment Settings

To simplify the process, consider adjusting your payment settings to enable AutoPay. This feature allows you to schedule recurring payments automatically each month. You can choose to pay the minimum amount due, the full statement balance, or a fixed custom amount. Setting up automatic payments is an effective way to ensure your bill is paid on time, helping you avoid potential late fees and manage your account with less manual effort.

Choose the Right Card to Pay Discover

Whether you're looking for a balance transfer card to manage your Discover balance or simply want better rewards, navigating the sea of nearly 3,000 credit cards can be daunting. Kudos’ Explore Tool simplifies the process, helping you filter through the noise to find the perfect match for your financial goals. Instead of pushing sponsored cards, the tool uses your preferences for things like low interest or travel perks to show you the best options, making it easy to find the best card for your needs.

If you want to get more from your credit cards, Kudos is the ultimate free tool for online shopping. We're also giving you $20 back on your first eligible purchase when you sign up for free with code “GET20” and buy from a Boost merchant.

Frequently Asked Questions

What are the risks of paying a credit card with another credit card?

This can lead to a cycle of debt, high fees, and potential damage to your credit score.

Are there fees for using a third-party service to pay my Discover bill?

Yes, third-party services typically charge processing fees, which can add a significant amount to your payment.

Does paying a credit card with another count as a cash advance?

Often, yes. Using a credit card for a bill payment service is usually treated as a cash advance.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

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.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Pay Discover with A Credit Card?

No, you generally cannot pay your Discover bill with another credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

No, Discover does not permit you to pay your credit card bill directly with another credit card.

More:

Should You Pay Discover With A Credit Card?

Weighing the pros and cons can help you decide if it's the right move.

Benefits

  • You could earn rewards like points or cashback on the payment transaction.
  • A new card may offer a 0% introductory APR, giving you an interest-free period to pay down the balance.
  • It can be a method to consolidate debt from multiple cards onto a single account.

Costs

  • Balance transfers typically include a fee, usually 3% to 5% of the total amount.
  • If treated as a cash advance, the payment will incur high fees and immediate interest charges.
  • The transaction may not be categorized as a purchase, making it ineligible for rewards.
An icon of a lightbulb
Kudos Tip
More:

How to Pay Discover With A Credit Card

Paying your Discover bill with another credit card requires a few extra steps, typically involving a balance transfer or cash advance. Here’s a general overview of the process.

  1. Review Your Discover Statement: Before taking action, check your current balance, minimum payment, and due date. Knowing the exact amount you owe is crucial for planning the payment and avoiding any potential late fees.

  2. Choose the Right Card: Select a credit card to use for the payment, ideally one offering a 0% introductory APR on balance transfers to minimize costs. You can use Kudos' Explore Cards tool to find and compare different card options.

  3. Initiate a Balance Transfer: Contact your new card issuer to start a balance transfer. You will need to provide your Discover account number and the total amount you want to transfer. This process can typically be completed online or over the phone.

  4. Consider a Cash Advance: Alternatively, you can take a cash advance from a different credit card and deposit the funds into your bank account. From there, you can make a standard payment to Discover. Be mindful that cash advances usually have high fees and interest rates.

  5. Confirm the Transaction: Once the balance transfer or payment is complete, double-check both your Discover account and the new card’s statement to ensure the transaction posted correctly and your balance is settled.

More:

Impact On Your Credit Score

While you can't pay your Discover bill directly with another credit card, using methods like balance transfers or cash advances can influence your credit. Here are a few key considerations for your credit score.

  • Credit Utilization Ratio. This action increases the balance on the card used for payment, raising its credit utilization. A higher ratio can negatively impact your score, as it may signal greater financial risk to lenders.
  • Hard Inquiries. Applying for a new balance transfer card typically results in a hard inquiry on your credit report. Multiple hard inquiries within a short time can cause a temporary dip in your credit score.
  • Debt Management. Shifting debt from one card to another doesn't reduce your total amount owed. It's crucial to have a clear plan to pay down the new balance to avoid a worsening debt cycle.

Alternative Ways To Pay Discover

Payments from Your Bank Account

You can pay your Discover bill directly from a checking or savings account without using another credit card. This can be done online through the Discover portal or your bank's bill pay service. Alternatively, you can mail a physical check or money order to the payment address listed on your statement. For immediate processing, you can also make a payment over the phone by providing your bank account information to a customer service representative.

Automated Payment Settings

To simplify the process, consider adjusting your payment settings to enable AutoPay. This feature allows you to schedule recurring payments automatically each month. You can choose to pay the minimum amount due, the full statement balance, or a fixed custom amount. Setting up automatic payments is an effective way to ensure your bill is paid on time, helping you avoid potential late fees and manage your account with less manual effort.

Choose the Right Card to Pay Discover

Whether you're looking for a balance transfer card to manage your Discover balance or simply want better rewards, navigating the sea of nearly 3,000 credit cards can be daunting. Kudos’ Explore Tool simplifies the process, helping you filter through the noise to find the perfect match for your financial goals. Instead of pushing sponsored cards, the tool uses your preferences for things like low interest or travel perks to show you the best options, making it easy to find the best card for your needs.

If you want to get more from your credit cards, Kudos is the ultimate free tool for online shopping. We're also giving you $20 back on your first eligible purchase when you sign up for free with code “GET20” and buy from a Boost merchant.

Frequently Asked Questions

What are the risks of paying a credit card with another credit card?

This can lead to a cycle of debt, high fees, and potential damage to your credit score.

Are there fees for using a third-party service to pay my Discover bill?

Yes, third-party services typically charge processing fees, which can add a significant amount to your payment.

Does paying a credit card with another count as a cash advance?

Often, yes. Using a credit card for a bill payment service is usually treated as a cash advance.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

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.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Pay Discover with A Credit Card?

No, you generally cannot pay your Discover bill with another credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

No, Discover does not permit you to pay your credit card bill directly with another credit card.

More:

Should You Pay Discover With A Credit Card?

Weighing the pros and cons can help you decide if it's the right move.

Benefits

  • You could earn rewards like points or cashback on the payment transaction.
  • A new card may offer a 0% introductory APR, giving you an interest-free period to pay down the balance.
  • It can be a method to consolidate debt from multiple cards onto a single account.

Costs

  • Balance transfers typically include a fee, usually 3% to 5% of the total amount.
  • If treated as a cash advance, the payment will incur high fees and immediate interest charges.
  • The transaction may not be categorized as a purchase, making it ineligible for rewards.
An icon of a lightbulb
Kudos Tip
More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

How to Pay Discover With A Credit Card

Paying your Discover bill with another credit card requires a few extra steps, typically involving a balance transfer or cash advance. Here’s a general overview of the process.

  1. Review Your Discover Statement: Before taking action, check your current balance, minimum payment, and due date. Knowing the exact amount you owe is crucial for planning the payment and avoiding any potential late fees.

  2. Choose the Right Card: Select a credit card to use for the payment, ideally one offering a 0% introductory APR on balance transfers to minimize costs. You can use Kudos' Explore Cards tool to find and compare different card options.

  3. Initiate a Balance Transfer: Contact your new card issuer to start a balance transfer. You will need to provide your Discover account number and the total amount you want to transfer. This process can typically be completed online or over the phone.

  4. Consider a Cash Advance: Alternatively, you can take a cash advance from a different credit card and deposit the funds into your bank account. From there, you can make a standard payment to Discover. Be mindful that cash advances usually have high fees and interest rates.

  5. Confirm the Transaction: Once the balance transfer or payment is complete, double-check both your Discover account and the new card’s statement to ensure the transaction posted correctly and your balance is settled.

More:

Impact On Your Credit Score

While you can't pay your Discover bill directly with another credit card, using methods like balance transfers or cash advances can influence your credit. Here are a few key considerations for your credit score.

  • Credit Utilization Ratio. This action increases the balance on the card used for payment, raising its credit utilization. A higher ratio can negatively impact your score, as it may signal greater financial risk to lenders.
  • Hard Inquiries. Applying for a new balance transfer card typically results in a hard inquiry on your credit report. Multiple hard inquiries within a short time can cause a temporary dip in your credit score.
  • Debt Management. Shifting debt from one card to another doesn't reduce your total amount owed. It's crucial to have a clear plan to pay down the new balance to avoid a worsening debt cycle.

Alternative Ways To Pay Discover

Payments from Your Bank Account

You can pay your Discover bill directly from a checking or savings account without using another credit card. This can be done online through the Discover portal or your bank's bill pay service. Alternatively, you can mail a physical check or money order to the payment address listed on your statement. For immediate processing, you can also make a payment over the phone by providing your bank account information to a customer service representative.

Automated Payment Settings

To simplify the process, consider adjusting your payment settings to enable AutoPay. This feature allows you to schedule recurring payments automatically each month. You can choose to pay the minimum amount due, the full statement balance, or a fixed custom amount. Setting up automatic payments is an effective way to ensure your bill is paid on time, helping you avoid potential late fees and manage your account with less manual effort.

Choose the Right Card to Pay Discover

Whether you're looking for a balance transfer card to manage your Discover balance or simply want better rewards, navigating the sea of nearly 3,000 credit cards can be daunting. Kudos’ Explore Tool simplifies the process, helping you filter through the noise to find the perfect match for your financial goals. Instead of pushing sponsored cards, the tool uses your preferences for things like low interest or travel perks to show you the best options, making it easy to find the best card for your needs.

If you want to get more from your credit cards, Kudos is the ultimate free tool for online shopping. We're also giving you $20 back on your first eligible purchase when you sign up for free with code “GET20” and buy from a Boost merchant.

Frequently Asked Questions

What are the risks of paying a credit card with another credit card?

This can lead to a cycle of debt, high fees, and potential damage to your credit score.

Are there fees for using a third-party service to pay my Discover bill?

Yes, third-party services typically charge processing fees, which can add a significant amount to your payment.

Does paying a credit card with another count as a cash advance?

Often, yes. Using a credit card for a bill payment service is usually treated as a cash advance.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

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.

In this article

No items found.
No items found.