Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Can You Send Moneygram with A Credit Card?
July 1, 2025

Quick Answer
Yes, you can use a credit card to fund a MoneyGram transfer, but be aware that your card issuer will likely treat the transaction as a cash advance.
Should You Send Moneygram With A Credit Card?
Using a credit card for MoneyGram has both advantages and disadvantages to consider.
Benefits
- Convenience: You can send funds immediately without needing cash on hand.
- Rewards: The transaction may qualify for credit card rewards like points, miles, or cash back.
- Security: Credit cards provide strong fraud protection measures for your transactions.
Costs
- Higher Transfer Fees: MoneyGram's fees are generally higher for credit card transactions compared to bank or debit transfers.
- Cash Advance Treatment: Most credit card issuers classify money transfers as cash advances, not purchases.
- Additional Fees: Your card issuer will likely charge a separate cash advance fee on top of MoneyGram's fee.
- Immediate Interest: Cash advances typically accrue interest at a high APR from the day of the transaction.
How to Send Moneygram With A Credit Card
Sending money via MoneyGram with a credit card offers a quick and convenient way to transfer funds. Follow these general steps to ensure your transaction is seamless and cost-effective.
- Prepare Your Information: Before starting, have the recipient's full legal name and location ready. You will also need your credit card number, expiration date, and security code (CVV) on hand.
- Choose the Right Card: Credit card transfers are often treated as cash advances, which can come with high fees and interest rates. To find a card with more favorable terms, you can use Kudos' explore cards tool to compare your options.
- Initiate the Transfer: Go to the MoneyGram website or use their mobile app. Enter the amount you wish to send, the recipient's details, and select "Credit Card" as your payment method.
- Review and Confirm Details: Carefully check all transaction details, including the transfer amount, fees, and exchange rate. Confirm that you understand the terms before finalizing the payment.
- Share the Reference Number: After your transaction is approved, you will receive a reference number. Securely provide this number to your recipient, as they will need it to pick up the money.
Impact On Your Credit Score
Using a credit card for a MoneyGram transfer can affect your credit score in several ways. Here are a few key factors to keep in mind before you send funds.
- Cash Advance Classification. Many issuers treat money transfers as cash advances, not purchases. This often means higher interest rates and fees, which can increase your overall balance and impact your credit utilization.
- Credit Utilization Ratio. A large transfer can significantly raise your credit utilization ratio, a key factor in your score. Lenders generally prefer to see this ratio kept below 30% of your total available credit.
Alternative Ways To Send Moneygram
Using a Bank Account or Debit Card
If you want to avoid using a credit card, you can fund your MoneyGram transfer directly from your bank account. This is a common alternative that sidesteps potential cash advance fees. Another option is to use a debit card, which pulls funds directly from your checking account, offering the convenience of a card payment without the associated credit line implications or interest charges.
In-Person Agent Locations
For those who prefer not to transact online, MoneyGram maintains a large network of physical agent locations. You can visit a local agent, typically found in retail stores or check-cashing services, to initiate a transfer. At these locations, you can pay with cash or a debit card, providing a direct and tangible way to send funds without engaging with the online platform or app settings.
Choose the Right Card to Send Moneygram
Sending money shouldn't mean missing out on rewards or getting hit with high fees. The key is using the right credit card for the transaction. With a database of nearly 3,000 cards, Kudos' Explore Tool can help you find your perfect card. By matching your personal spending habits and financial goals, the tool provides unbiased recommendations to help you maximize rewards and minimize costs on every transfer.
If you want to get the most from your credit cards, Kudos is the premier free shopping assistant for your online purchases. We're also giving you $20 back after your first eligible transaction—simply sign-up for free with code "GET20" and complete a purchase at a Boost merchant.
Frequently Asked Questions
What fees are involved when using a credit card?
Expect a MoneyGram transfer fee plus a potential cash advance fee and interest from your credit card provider.
How fast is a credit card transfer with MoneyGram?
Transfers are usually available within minutes, subject to agent operating hours and compliance checks at the destination.
Are there sending limits for credit card transfers?
Yes, sending limits vary by country and service but are typically around $10,000 per online transfer or per month.
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.