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Can You Pay Eversource with a Credit Card?
May 14, 2025
Quick Answer
Yes, you can pay your Eversource bill with a credit card, but these payments are routed through a third-party processor and will incur a convenience fee.
Should You Pay Eversource With A Credit Card?
Paying your bill with a credit card has both upsides and potential drawbacks.
Benefits
- Earning Rewards: You can accumulate credit card rewards such as cash back, points, or airline miles on your monthly utility payment.
- Payment Consolidation: Charging your bill to a credit card allows you to consolidate expenses onto one statement, simplifying bill tracking and management.
- Improved Cash Flow: It provides a grace period between when the bill is charged and when your credit card payment is due, offering short-term flexibility.
Costs
- Processing Fees: Eversource utilizes a third-party payment service that charges a convenience fee for each credit or debit card transaction.
- Interest Charges: Any rewards earned can be quickly offset by high interest rates if you carry a balance on your credit card from month to month.
- Risk of Debt: Using a credit card for recurring necessities can make it easier to accumulate debt if the balance is not paid in full.
How to Pay Eversource With A Credit Card
Paying your Eversource bill with a credit card can be a convenient way to manage expenses and potentially earn rewards. Here’s a general guide to navigating the payment process effectively.
Prepare Your Information: Before starting, have your Eversource account number and your most recent bill on hand. You will also need the credit card you plan to use for the payment.
Choose the Right Card: To maximize benefits, consider which of your credit cards offers the best rewards for utility payments. If you're looking for a new card, you can use Kudos' Explore Tool to compare options.
Access the Payment Portal: Visit the official Eversource website and navigate to the bill payment section. Eversource uses a third-party service for credit card payments, which typically charges a convenience fee for each transaction.
Enter Payment Details: Carefully input your Eversource account information, the payment amount, and your credit card details into the secure portal. Review all information for accuracy before proceeding to the final submission step.
Confirm and Keep Records: After submitting your payment, you will receive a confirmation number. Save this number and a receipt for your records until the payment is posted to your Eversource account.
Impact On Your Credit Score
Paying your Eversource bill with a credit card can be convenient, but it's wise to consider how this action might affect your credit score. Here are a few key factors to keep in mind.
- Credit Utilization Ratio. Charging your utility bill increases your credit card balance. This can raise your credit utilization ratio, which may negatively impact your score if it gets too high.
- Payment History. Consistently paying your credit card bill on time, including the amount for your Eversource payment, helps build a positive payment history. This is a major factor in calculating your credit score.
- Potential for Debt. If you don't pay off the full credit card balance each month, you'll accrue interest on your utility payment. This can lead to accumulating debt, which can harm your financial health.
Alternative Ways To Pay Eversource
Pay Directly From Your Bank Account
If you prefer to avoid credit cards, you can pay your Eversource bill directly from your bank account. By linking your checking or savings account, you can authorize an electronic funds transfer (EFT) for the amount due. This method is a secure way to handle your payment and typically does not involve the convenience fees that can be associated with credit card transactions, offering a more cost-effective option for managing your utility expenses.
Set Up Automatic Payments
For added convenience, consider enrolling in Auto Pay. This feature allows Eversource to automatically withdraw your monthly payment from a designated bank account or credit card. Setting up Auto Pay ensures your bills are paid on time every month, helping you avoid late fees and service interruptions without requiring you to log in and manually complete the transaction. You can typically manage these settings directly through your online Eversource account portal.
Choose the Right Card to Pay Eversource
Paying your Eversource bill with the right credit card can earn you significant rewards, but with nearly 3,000 cards on the market, finding the perfect one can feel daunting. Kudos’ AI-powered Explore Tool simplifies the process, helping you compare options and find your ideal match based on your personal preferences. Discover the best card for your needs and start maximizing your rewards on every utility payment.
For those wanting to maximize their credit card benefits, Kudos is the ultimate free tool for online shopping. We also have a special offer of $20 back on your first qualifying purchase when you sign-up for free with code ‘GET20’ and shop at a Boost-enabled store.
Frequently Asked Questions
Are there fees for paying with a credit card?
Yes, a third-party payment processor charges a small convenience fee for all credit and debit card payments.
What types of credit cards does Eversource accept?
Eversource accepts Visa, Mastercard, Discover, and American Express through its online payment portal for your convenience.
Can I set up automatic payments with a credit card?
Yes, you can easily enroll in Auto Pay with your preferred credit card through your online Eversource 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.
