Can I Pay My Discover Card With A Credit Card?

Paying off credit card debt with another card may seem like a convenient solution when you don’t have enough cash on hand. But is it possible to pay your Discover card bill with a credit card from a different issuer?

In this comprehensive guide, we’ll explore whether you can use a credit card to pay your Discover bill, the pros and cons of doing so, and tips for managing credit card debt responsibly.

If you’re short on time, here’s a quick answer to your question: Yes, it is generally possible to pay your Discover credit card bill with a card from another issuer. However, this approach incurs fees and interest charges, so it should be avoided if possible.

Ways to Pay a Discover Card Bill

Discover offers several convenient methods for paying your Discover Card bill. Whether you prefer online, phone, mail, or in-person options, Discover has you covered.

Paying online through My Account

One of the easiest and most popular ways to pay your Discover Card bill is through the My Account feature on the Discover website. Simply log in to your account, navigate to the payments section, and follow the prompts to make a payment.

You can choose to pay the minimum amount due, the entire balance, or a custom amount. Plus, you can set up automatic payments for added convenience.

Paying by phone

If you prefer to speak to a representative and make a payment over the phone, Discover provides a toll-free number for their cardholders. Simply call the number listed on the back of your Discover Card and follow the prompts to make a payment. Be sure to have your card and banking information handy.

Paying by mail

If you prefer the traditional method of sending a check, you can mail your payment to the address listed on your billing statement. Remember to include your account number on the check, and allow ample time for the payment to be processed.

Paying at a local branch

For those who prefer face-to-face interactions, Discover has a network of local branches where you can make your payment in person. Simply visit the nearest branch, present your Discover Card, and inform the teller that you would like to make a payment.

They will assist you in completing the transaction.

Paying with a different credit card

While you cannot directly pay your Discover Card bill with another credit card, you may be able to use a balance transfer to move your Discover Card debt to a different card. This can be an effective way to consolidate your debts and potentially save on interest charges.

However, it’s important to carefully consider the terms and fees associated with balance transfers before making a decision.

For more information on paying your Discover Card bill, visit the official Discover website.

Can You Really Pay a Discover Card With Another Credit Card?

Many people wonder if it’s possible to pay their Discover card bill with another credit card. While the answer is not a straightforward yes or no, it’s important to understand the policies set by credit card issuers and the potential implications before attempting to make such a payment.

Policies vary by credit card issuer

Each credit card issuer has its own policies regarding whether or not you can make payments with another credit card. Some issuers may allow it, while others may not. It’s essential to check with your specific credit card issuer to determine if they allow this type of payment.

Discover, for example, generally does not allow you to make a payment with another credit card. Their website clearly states that payments must be made from a checking or savings account, a Discover card, or a debit card.

Watch out for cash advance fees and interest

If your credit card issuer does allow you to make a payment with another credit card, it’s crucial to be aware of the potential fees and interest charges that may apply. In many cases, payments made using a credit card are treated as cash advances.

Cash advances often come with higher interest rates compared to regular credit card purchases. Additionally, credit card issuers may charge a cash advance fee, which is typically a percentage of the transaction amount.

These fees and interest charges can quickly add up, so it’s essential to consider the potential costs before proceeding.

Impact on credit utilization ratio

Another factor to consider when paying a Discover card with another credit card is the impact on your credit utilization ratio. Your credit utilization ratio is the percentage of your available credit that you’re currently using. This ratio plays a significant role in your credit score calculation.

By using another credit card to pay off your Discover card, you may be increasing your credit utilization ratio on that specific card. This could potentially have a negative impact on your credit score, especially if your credit utilization ratio becomes too high.

It’s always a good idea to carefully evaluate the potential consequences before deciding to pay a Discover card with another credit card. If you’re looking for alternative payment methods or struggling with credit card debt, it may be beneficial to explore other options such as balance transfers, debt consolidation, or contacting a credit counseling agency for assistance.

The Pros and Cons of Paying a Credit Card With Another Card


1. Convenience: One of the major benefits of paying a credit card with another card is the convenience it offers. Instead of having to make separate payments to multiple credit cards, you can consolidate your payments by using one card to pay off another.

This can save you time and effort, allowing you to manage your finances more efficiently.

2. Rewards and Benefits: By using a rewards credit card to pay off another card, you can take advantage of the rewards and benefits offered by the paying card. For example, if your paying card offers cashback or travel rewards, you can earn these rewards while making your payments.

This can be a great way to maximize the value of your credit card usage.

3. Financial Flexibility: Paying a credit card with another card can provide you with temporary financial flexibility. If you are facing a tight month or unexpected expenses, using another card to make the payment can give you some extra time to manage your finances.

However, it is important to note that this should only be a short-term solution and not a long-term strategy for managing your debt.


1. Balance Transfer Fees: When you pay a credit card with another card, you may incur balance transfer fees. These fees can add up, especially if you are transferring a large balance. It’s important to consider these fees and calculate whether the benefits of paying with another card outweigh the costs.

2. Interest Charges: If you use a credit card to pay off another card, you may still be subject to interest charges on the balance you transfer. This means that you could end up paying more in interest over time, especially if the interest rate on the paying card is higher than the card you are trying to pay off.

It’s important to carefully review the terms and conditions of both cards before making a decision.

3. Debt Spiral: Paying a credit card with another card can potentially lead to a debt spiral if you are not careful. If you continue to rely on credit cards to make payments, you may find yourself accumulating more debt and struggling to make your payments.

It’s important to have a plan in place to pay off your credit card debt and avoid falling into a cycle of borrowing.

Tips for Paying Off Credit Card Debt

Dealing with credit card debt can be overwhelming, but with the right strategies, it is possible to pay off your balances and regain control of your finances. Here are some tips to help you on your journey to becoming debt-free.

Pay more than the minimum payment

One of the most effective ways to pay off credit card debt is to pay more than the minimum payment each month. By only paying the minimum, you’ll end up paying more in interest and it will take you much longer to become debt-free.

Try to allocate as much money as possible towards your credit card payments each month.

Consider balance transfer offers

If you have multiple credit cards with high interest rates, it may be worth considering balance transfer offers. Some credit card companies offer promotional rates with low or even zero interest for a certain period of time.

By transferring your balances to a card with a lower interest rate, you can save money on interest and pay off your debt faster.

Lower your interest rates

If you’re unable to transfer your balances to a card with a lower interest rate, consider negotiating with your credit card company for a lower rate. Explain your situation and ask if they can offer you a lower interest rate.

You may be surprised at how willing they are to work with you, especially if you have a good payment history.

Set up automatic payments

Setting up automatic payments for your credit card bills can help ensure that you never miss a payment. Late payments can result in fees and penalties, making it even harder to pay off your debt. By automating your payments, you can avoid these extra costs and stay on track towards becoming debt-free.

Look for room in your budget

Take a close look at your monthly expenses and see if there’s any room to cut back. By reducing unnecessary spending, you can free up more money to put towards your credit card payments. Consider making small sacrifices, such as eating out less or canceling unused subscriptions, to help accelerate your debt repayment.

Avoid racking up more debt

While you’re working on paying off your credit card debt, it’s important to avoid racking up more debt. Try to resist the temptation to use your credit cards for non-essential purchases. Instead, focus on living within your means and using cash or a debit card for your everyday expenses.

Remember, paying off credit card debt takes time and discipline. Stay committed to your goal and celebrate your progress along the way. Before you know it, you’ll be debt-free and on your way to financial freedom.


Paying your Discover card bill with another credit card is generally possible but not always the best option. While it can provide more flexibility in a pinch, the fees and interest charges make it an expensive approach.

The better path is to pay off your balance in full each month or look for legal ways to lower your rates. With smart planning and budgeting, you can become debt-free and achieve lasting financial health.

We hope this outline gives you a comprehensive overview of whether and how you can pay your Discover card with a different credit card. Let us know if you need any clarification or have additional questions!

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