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

Quick Answer
Funding a Wise transfer with a credit card is possible, though it typically involves higher fees than debit or bank-funded transactions.
Should You Pay Wise With A Credit Card?
Let's examine the advantages and disadvantages of using a credit card for Wise payments.
Benefits
- Earn Rewards: You can accumulate credit card rewards like points, miles, or cashback on your transfer amount.
- Consumer Protection: Payments may be covered by your card issuer's purchase protection policies, offering an extra layer of security.
- Convenience: Using a credit card is often a faster and more straightforward payment method than a bank transfer.
Costs
- Higher Wise Fees: Wise charges a higher percentage fee for credit card payments compared to debit cards or bank transfers.
- Cash Advance Charges: Your card provider might treat the transaction as a cash advance, which typically comes with high fees and immediate interest accrual.
- Credit Card Interest: If you carry a balance, the interest charged by your credit card provider will add to the overall cost of the transfer.
How to Pay Wise With A Credit Card
Using a credit card wisely is more than just swiping; it's a strategic financial tool. When managed correctly, it can build credit and earn valuable rewards. Here's how.
Set a Strict Budget. Before you spend, know exactly what you can afford to pay back. Treat your credit limit as a ceiling, not a target, and align spending with your income.
Choose the Right Card. Your card should match your lifestyle. Whether you want travel points, cash back, or a low APR, select a card that rewards your spending patterns. The Kudos explore cards tool can help find your match.
Pay Your Balance in Full. This is the golden rule. To avoid high-interest debt, always pay your statement balance in full by the due date. Automating payments can help prevent missed deadlines.
Strategically Maximize Rewards. Use your card for everyday purchases you've already budgeted for to accumulate rewards. Also, take advantage of built-in benefits like purchase protection or travel insurance.
Review Your Statements and Strategy. Regularly check your monthly statements for accuracy and track your spending. Periodically reassess if your card still meets your needs, especially if your financial situation changes.
Impact On Your Credit Score
Using a service like Pay Wise with your credit card can influence your credit score in several ways. Here are a few key factors to keep in mind before you proceed.
- Credit Utilization Ratio. Charging large payments through the service increases your credit card balance, which can raise your credit utilization ratio. A higher ratio may negatively affect your score, so try to keep your balance low relative to your limit.
- On-Time Payments. You are still responsible for paying your credit card bill directly to the issuer, even when using a third-party service. A missed credit card payment will be reported to credit bureaus and can significantly lower your score.
- Building Credit History. Consistently paying your credit card bill on time after using the service helps build a positive payment history. This is a major positive factor for your credit score over the long term, demonstrating responsible credit management.
Alternative Ways To Pay Wise
Bank Account Transfers
One of the most common and cost-effective alternatives to using a credit card is funding your transfer directly from your bank account. This can be done through a bank debit (like ACH in the US) or a wire transfer. By linking your bank account to your Wise profile, you can authorize payments directly, often incurring lower fees than credit card transactions. This method aligns with the core principle of minimizing costs while sending money internationally, making it a truly "wise" payment choice for many users.
Debit Cards and Transfer Options
Using a debit card is another straightforward way to pay for a Wise transfer without resorting to credit. Functionally similar to a credit card payment but drawing directly from your bank funds, it offers convenience and speed. Additionally, consider adjusting your transfer settings. Wise often provides different transfer tiers, such as a "Low cost transfer" versus a "Fast and easy transfer." Opting for the slower, more economical option can significantly reduce the overall fee, regardless of whether you pay by bank transfer or debit card.
Choose the Right Card to Pay Wise
Navigating the world of credit cards doesn't have to be a shot in the dark. Pay Wise offers a personalized recommendation engine to help you find, compare, and choose the ideal card for your spending habits. With a database of nearly 3,000 cards, our goal is to give you all the information you need to find your next card and make a confident, informed decision.
For those looking to get more from their credit cards, Pay Wise is the premier free tool to use when you shop online. We are also currently providing a $20 bonus after your first qualifying purchase—just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Frequently Asked Questions
Will my credit card provider charge extra fees?
Your provider might charge a cash advance fee, so it's best to check with them directly first.
What are the fees for using a credit card on Wise?
Wise applies a variable percentage fee on credit card transactions, which is always shown to you upfront.
What are the limits for paying with a credit card?
Wise sets payment limits based on currency and verification. You can view your specific limits in your account.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
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.