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Can You Pay Sezzle with A Credit Card?
July 1, 2025

Quick Answer
Sezzle does not accept credit cards for installment payments, instead requiring a debit card or bank account to settle your balance.
Should You Pay Sezzle With A Credit Card?
Let's weigh the pros and cons of using a credit card for Sezzle payments.
Benefits
Earn rewards. You can accumulate credit card points, miles, or cash back on your Sezzle payments.
Added purchase protection. Credit cards often provide extra security, like fraud protection and the ability to dispute charges.
Payment consolidation. All your Sezzle payments will appear on a single monthly credit card statement, simplifying tracking.
Costs
High interest rates. If you carry a balance on your credit card, high interest charges can negate Sezzle's interest-free benefit.
Potential for debt. Using a credit card for installment payments can make it easier to overspend and accumulate debt.
Possible fees. Some transactions may incur processing fees when using a credit card for buy now, pay later services.
How to Pay Sezzle With A Credit Card
Using a credit card for your Sezzle payments can help you build credit and earn rewards. Here’s a general guide to get you started on the process.
- Check Sezzle’s Policy: Before proceeding, verify that credit cards are an accepted payment method for your specific Sezzle plan, as terms can sometimes vary depending on the merchant or your account history.
- Add Your Card to Sezzle: Navigate to the payment methods section within your Sezzle account dashboard. Securely enter your credit card information, including the card number, expiration date, and CVV code.
- Choose the Right Card: Select a credit card that aligns with your financial goals. To find a card that maximizes rewards on your spending, consider using Kudos' explore cards tool to compare different options.
- Set as Payment Method: Once added, you can set the credit card as your default payment option for future installments or select it manually during the checkout process for a new purchase.
- Monitor Your Statements: Keep track of both your Sezzle payment schedule and your credit card billing cycle. Pay your credit card balance on time to avoid interest charges and potential late fees.
Impact On Your Credit Score
Using a credit card for your Sezzle payments can influence your credit score in several ways. Here are a few key factors to consider before you link your card.
- Credit Utilization Ratio. Making Sezzle purchases with your credit card increases your balance, which raises your credit utilization ratio. A higher ratio can negatively affect your score, so it's wise to keep your balance low relative to your limit.
- On-Time Payments. Sezzle automatically charges your card, which can help ensure you make on-time payments to the credit card issuer. A consistent history of timely payments is a major positive factor for your credit score.
- Hard Inquiries. While Sezzle typically performs a soft credit check that doesn't impact your score, applying for the credit card itself will not. This results in a hard inquiry, which can temporarily lower your score by a few points.
Alternative Ways To Pay Sezzle
Using a Debit Card or Bank Account
You don't need a credit card to use Sezzle. A primary alternative is linking a debit card or a bank account directly. This method draws funds from your checking account for each installment, functioning similarly to a debit transaction. It provides a straightforward way to manage your budget and avoid the potential interest charges associated with credit cards, ensuring you only spend what you have available.
Adjusting Your Payment Schedule
For greater control over your cash flow, Sezzle allows users to adjust payment dates. If an upcoming installment is inconvenient, you can often reschedule it for a later date through the Sezzle app. While this flexibility can be helpful for managing unexpected expenses, be aware that rescheduling a payment may sometimes incur a fee. It's a useful option for short-term adjustments to your payment plan.
Choose the Right Card to Pay Sezzle
With thousands of credit cards on the market, choosing the best one to pair with your Sezzle account can feel overwhelming. The key is to find a card that aligns with your spending habits to maximize rewards and perks. Kudos’ AI-powered Explore Tool simplifies this process, offering personalized recommendations based on your preferences so you can compare top options and confidently pick the right card for your needs.
If you want to get more from your credit cards, Kudos is the smartest free tool for your online wallet. We're also giving new members $20 back on their first eligible purchase; just sign-up for free with code “GET20” and buy from a Boost merchant.
Frequently Asked Questions
Are there extra fees for using a credit card with Sezzle?
Sezzle does not charge extra fees, but your credit card provider might have its own interest or fees.
Will using a credit card for Sezzle payments affect my credit score?
Sezzle itself doesn't report to credit bureaus, but your credit card usage and payments will affect your score.
Can I earn credit card rewards on Sezzle purchases?
Yes, you can typically earn credit card rewards on Sezzle purchases just like any other online transaction.
Supercharge Your Credit Cards
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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.