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Can You Pay Your PECO Bill 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. PECO lets you make one-time payments with a credit or debit card online at PECO.com, in the PECO app, or by phone, and notes that fees may apply. PECO's AutoPay, however, draws only from a bank account.
Should You Pay PECO With a Credit Card?
Paying a utility bill by card only makes sense if the rewards you earn are worth more than the fee. PECO says fees may apply to card payments and doesn't publish the amount on its public payment pages. The fee is shown on the payment screen before you confirm, so compare it with your card's rewards rate.
Benefits
- Rewards: Your payment earns your card's rate, though utility payments usually earn the base rate.
- Timing: A card can bridge a short gap until payday if you pay the card in full.
Costs
- Fees: A convenience fee can cancel out what your card earns on the payment.
- Interest: Carrying a balance costs far more than any rewards on a utility bill.
- Utilization: The payment raises your card balance until you pay it off.
How to Pay PECO With a Credit Card
- Find your account number: It's on your bill and in your online account.
- Online or in the app: Log in at PECO.com or the PECO app, or use guest pay with your account number, and choose credit or debit card.
- By phone: Call 1-877-432-9384 to make a convenience payment with a credit card, debit card, or bank account.
- In person: Authorized payment locations across PECO's service territory accept payments, and service fees apply.
- Review the fee and confirm: Check the fee shown before you submit, then save your confirmation number.
Can You Use a Credit Card for AutoPay?
No. PECO's AutoPay pays your monthly bill directly from a checking or savings account, with no fees. You can still pay each month with a card as a one-time payment.
Impact on Your Credit Score
- Credit utilization: A large bill raises the share of your credit limit in use until the statement is paid. See 6 proven ways to lower your credit card utilization rate.
- Payment history: Paying your card on time each month supports your score, while a missed card payment can hurt it.
Other Ways to Pay PECO
Bank Account and AutoPay
Paying from a bank account online has no fee, and AutoPay from a checking or savings account is free.
Send a check to PECO, P.O. Box 37629, Philadelphia, PA 19101.
Budget Billing
PECO's Budget Billing spreads your energy costs into more predictable monthly payments.
Choose the Right Card for Your PECO Bill
If you pay by card, a card that earns a strong flat rate on everything is usually the best fit, since utility payments rarely earn bonus rewards. Read how to earn credit card rewards on rent, utilities, and bills for more strategies, or compare cards in Kudos Explore.
When you shop online, Kudos autofills the card in your Kudos Wallet that earns the most at checkout, and Kudos Boost can add extra cash back on top of your card rewards at more than 15,000 online stores. Learn how Kudos works.
Frequently Asked Questions
Does PECO charge a fee to pay by credit card?
PECO says fees may apply to card payments. The amount appears on the payment screen before you confirm.
Can I put PECO AutoPay on a credit card?
No. PECO AutoPay uses a checking or savings account. You can make one-time card payments each month instead.
What number do I call to pay PECO by card?
Call 1-877-432-9384 to make a convenience payment by credit card, debit card, or bank account.
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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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