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Can You Pay Your PSE&G 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. PSE&G in New Jersey accepts credit cards, PayPal, Google Pay, Apple Pay, and Venmo for bill payments. Card and digital wallet payments carry a $3.50 fee from a third-party vendor, while bank account payments have no fee.
Should You Pay PSE&G With a Credit Card?
Paying a utility bill by card only makes sense if the rewards you earn are worth more than the fee. PSE&G's guest pay page lists a $3.50 fee for credit card and digital wallet payments, charged by a third-party vendor. Bank account payments have no fee.
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 PSE&G With a Credit Card
- Find your account number: It's on your bill and in your online account.
- Online: Pay through My Account or as a guest with your account number and ZIP code.
- In the app: The PSE&G app accepts cards and digital wallets.
- By phone: Call 1-833-277-8710 to pay by credit card.
- 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. PSE&G Automatic Bill Pay takes scheduled monthly payments from your checking or savings account, and it is free to use. To pay by card, make a one-time payment each month.
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 PSE&G
Bank Account, Automatic Bill Pay, and Pay by Text
Paying from a bank account has no fee, Automatic Bill Pay is free, and you can text PAY to 4PSEG (47734) to pay with a saved bank account. To pay by bank account over the phone, call 1-800-553-7734.
Mail or In Person
Mail payments to PSE&G New Jersey, P.O. Box 14444, New Brunswick, NJ 08906. Customer Service Centers accept cash, check, or money order, and Western Union locations accept payments for $1.50.
Equal Payment Plan
PSE&G's Equal Payment Plan divides your estimated yearly costs into 12 equal monthly payments, with a review at six months.
Choose the Right Card for Your PSE&G 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
How much does PSE&G charge to pay by credit card?
PSE&G lists a $3.50 third-party fee for credit card and digital wallet payments.
Can I set up PSE&G Automatic Bill Pay with a credit card?
No. Automatic Bill Pay uses a checking or savings account.
What number do I call to pay PSE&G by card?
Call 1-833-277-8710 to pay by credit card.
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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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