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Can You Pay Moving Companies with A Credit Card?
July 1, 2025
Quick Answer
Yes, the vast majority of professional moving companies accept major credit cards for payment.
Should You Pay Moving Companies With A Credit Card?
Let's weigh the advantages and disadvantages of using a credit card for your move.
Benefits of Paying Movers With a Credit Card
- Rewards and Points: You can earn cash back, travel miles, or other rewards on what is often a large expense.
- Payment Protection: Credit cards offer a straightforward way to dispute charges if services are not rendered as agreed upon.
- Convenience: It provides a simple payment method and the flexibility to pay the expense over time.
Costs of Paying Movers With a Credit Card
- Processing Fees: Some moving companies will pass on their transaction costs to you, typically as a 2-4% surcharge.
- Interest Charges: If you carry the balance past the due date, high interest rates can significantly increase your total moving cost.
- Limited Acceptance: Not all movers accept credit cards, and some may only allow them for the initial deposit.
How to Pay Moving Companies With A Credit Card
Using a credit card for your move can unlock rewards and offer payment protection. Follow these general steps to ensure a smooth and secure transaction with your moving company.
- Confirm Acceptance and Fees: Before booking, verify that the moving company accepts credit cards. Ask if they add a processing fee for card payments, as this could impact your total cost.
- Choose the Right Card: Select a card that maximizes benefits for a large expense. Consider cards with robust purchase protection, travel rewards, or high cash-back rates. A dedicated tool can help you explore card options to find the best match.
- Clarify the Payment Schedule: Understand the mover's payment terms. Typically, you'll pay a deposit to reserve the date and the final balance upon delivery. Know when each charge will be processed.
- Use a Secure Payment Method: When providing your card information, use a secure channel. Opt for the company's official online payment portal or a physical terminal. Avoid sending sensitive details through unsecured email.
- Review Your Final Statement: After the move, carefully check your credit card statement. Ensure the charged amounts align with your signed contract and promptly dispute any unauthorized or incorrect charges with your bank.
Impact On Your Credit Score
Using a credit card to pay for your move can affect your credit score in several ways, both positively and negatively. Here are a few key factors to keep in mind:
- Credit Utilization Ratio. A large moving expense can significantly increase your credit utilization ratio, which compares your used credit to your total available credit. Lenders prefer this ratio to be below 30%.
- Payment History. Making a large payment on time can positively impact your payment history, a major factor in your credit score. Missing a payment after a big move can have a significant negative effect.
- New Credit Inquiries. If you open a new credit card for the move, the hard inquiry can temporarily lower your score. This effect is usually minor and short-lived for most consumers with good credit.
Alternative Ways To Pay Moving Companies
Cash or Certified Check
Many moving companies accept cash upon completion of the job. This direct payment method avoids potential processing fees associated with electronic transactions. For added security, a certified check is another widely accepted option, offering a guaranteed form of payment. Always confirm your mover's preferred method in advance and request a detailed receipt immediately after payment for your records.
Digital Wallets and Bank Transfers
Some moving companies, particularly smaller local operators, may accept payment through digital wallets like Zelle or PayPal. This offers a convenient, contactless way to pay. Another alternative is a direct bank or wire transfer. Before committing to these methods, verify that the company accepts them, inquire about any transaction limits or fees, and confirm the correct payment details to ensure a smooth process.
Choose the Right Card to Pay Moving Companies
Paying for a move is a significant expense, making it the perfect opportunity to leverage the right credit card. Whether you're aiming to maximize rewards, secure a low interest rate, or find a card with no annual fee, the choices can be overwhelming. Kudos’ AI-powered Explore Tool simplifies the process, helping you find your perfect match from nearly 3,000 cards by comparing features like perks, fees, and rewards side-by-side.
For those looking to get more from their credit cards, Kudos is the ultimate free tool for online shopping. We are also currently offering $20 back on your first qualifying purchase—simply sign-up for free with code ‘GET20’ and shop at a Boost merchant.
Frequently Asked Questions
Do movers charge extra for credit card payments?
Some companies may add a small processing fee, typically 2-3%, to cover their costs. Always ask beforehand.
What are the benefits of paying movers with a credit card?
Key benefits include earning rewards points, purchase protection, and simpler dispute resolution if service issues come up.
Is it safe to give my credit card information to a moving company?
Reputable movers use secure payment systems. Always verify the company’s legitimacy before providing any financial details.
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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.
