Getting the most out of your RBC Royal Bank credit card, and maintaining a good payment record, means finding a payment method that suits your needs. RBC Royal Bank offers a range of methods to suit your personal financial style.

Online banking

You can manage your RBC Royal Bank credit from anywhere you have access to the Internet. Pay your bill immediately or set up a series of recurring automated payments so you'll never miss another scheduled payment due date. Register for RBC Royal Bank Online Banking.

Automated payments

Have your RBC Royal Bank credit card minimum payment or full monthly payment automatically withdrawn from your RBC Royal Bank bank account, or your bank account at any Canadian Financial Institution. Payments will always be withdrawn on the statement due date, and you will continue to receive a monthly statement.

At an ATM machine

You can pay your RBC credit card bill at any RBC Royal Bank ATM machine with your RBC Royal Bank Client Card and confidential PIN (personal identification number). If you do not know your PIN or if you are unsure of it, please visit an RBC Royal Bank branch to have it reset. Locate an RBC Royal Bank ATM near you.

Telephone banking

You can have instant and convenient access to your RBC Royal Bank credit card account 24-hours-a-day via Telephone Banking. After you enter your confidential PIN number, you can choose from a list of automated services that include the ability to pay your RBC Royal Bank credit card from your RBC Royal Bank chequing or savings account, details of your account balance and activity, and more. Or you can speak to a friendly and helpful Telephone Banking Specialist. More on enrolling in Online/Telephone Banking.

In branch

Payments can be made at any one of the conveniently-located RBC Royal Bank branches throughout Canada. Locate an RBC Royal Bank branch near you.

By mail

You can mail your payment using the addressed envelope provided with your statement. Please note that even when normal postage service is disrupted, you are still required to make your payment.

RBC Royal Bank Credit Card Inquiry

You can choose to access your RBC Royal Bank credit card transactions online with the Credit Card Inquiry service. While this service will not permit you to pay your RBC Royal Bank credit card bill online, it does give you a handy tool to access your account information when you want it, 24-hours-a-day. There is no additional charge for this service. See more information on RBC Royal Bank Credit Card Inquiry.

Apply Now

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Paying bills with your credit card to earn rewards or to better manage your finances citizens bank mobile banking app sense as long as you follow one simple rule: Always pay your balance in full each month. If you’re paying bills with your credit card because you can’t afford to pay them with money from your can i pay bills with my capital one credit card account, that’s a sign of a bigger financial problem that can can i pay bills with my capital one credit card worse if you let it become a habit.

Before you switch to paying your bills with a credit card, pay off your existing balance on that card. That way, you start with a zero balance, and you can take advantage of the credit card's grace period to avoid paying interest. Otherwise, if you use a credit card that has a balance, finance charges will be added to your balance each month, making it more expensive to pay your bills via credit card.

Using One Card

It’s easier to make sure all of your credit-card-payable bills are getting paid if you use just one credit card for all of them. Choose the credit card with the best opportunity for earning rewards AND the highest credit limit. The more can i pay bills with my capital one credit card cards you use for paying bills, the harder it becomes to track and manage the charges on all your credit cards. It’s not impossible, but you have to be more diligent about keeping up with your current balances and making sure you’re not spending more than you can afford.

It's important to make sure there’s enough credit available on your bill-paying credit card to cover all the new transactions. Credit card issuers cannot charge penalty fees for exceeding your credit limit if you have not authorized them to allow charges that go over it. However, they may still penalize you in other ways, such as lowering your credit limit or raising your interest rate. If you want to, you can free up additional credit throughout the month by making periodic payments on your bill-paying credit card. 

Watching Your Checking Account

Just because you’re paying bills with your credit card now doesn’t mean you can splurge with the money in your checking account. Remember that you have to keep this money available so you can pay your credit card balance in full when the due date rolls around. That way, you’ll avoid debt and credit card interest.

Keep an eye on your credit card and checking account balances throughout the month so you'll be certain you'll be able to pay off the card when the time comes.

Avoiding Convenience Fees

Some companies, especially utilities, charge a so-called convenience fee for when you pay your bill with a credit card. Depending on the amount of the can i pay bills with my capital one credit card, you may want to forgo paying that bill with a credit card and use your checking account instead. These fees can add up and make your rewards-points-generating strategy less worthwhile.

When a Credit Card Isn't an Option

You probably won't be able to pay some bills with your credit card. For instance, some property managers won't let you pay your rent with a credit card. Larger property management companies are more likely to accept credit cards than a landlord who owns only one or a handful of properties, but they may charge a convenience fee.

You can typically pay your cell phone and cable/internet bills with your credit card. And some utilities will let you do it can i pay bills with my capital one credit card charging a convenience fee.

Companies that let you pay your bill by credit card typically enable you to make a payment either online or over the phone. Can i pay bills with my capital one credit card have to give your credit card number, expiration date, and at least your billing zip code. Some companies may ask for your complete billing address, and most will need the security code on the back of your credit card (or the front of your American Express).

Don’t be tempted to use a credit card convenience check to pay bills you're unable to put on your card. Convenience checks are treated as cash advance transactions, and your credit card issuer probably can i pay bills with my capital one credit card pay rewards on cash advances. What's more, you’ll pay a cash advance fee on the transaction, and you’ll incur interest starting from the day the check is cashed.

Effect on Your Credit Score

Paying bills with your credit card can either help or hurt your credit score, depending on how you use your card. Maxing out your credit card and missing credit card payments can hurt your credit score. Paying your bill on time each month helps your credit score.

Terms & Conditions

By enrolling your eligible Capital One credit card in Shop with Points at Amazon.com, your credit card account will be linked to your Amazon.com account. You authorize and direct Capital One to share information about your Capital One credit card rewards account with Amazon Services LLC and/or its affiliates.

Capital One rewards may be redeemed to pay for all or a portion of eligible purchases at Amazon.com. Capital One will deduct any rewards you redeem from your rewards balance at the time the order is placed.

Redemption values for Capital One rewards may vary and are subject to change by Capital One at any time.

If any of the products related to your original order are returned, subject to Amazon’s returns policy, you will receive a refund of the amount charged to your card first, followed by Capital One rewards points. If a refund of your Capital One rewards points cannot be processed by Capital One for reasons including but not limited to (a) closure of your card account, (b) closure of your rewards account, or (c) conversion of your rewards to a non-reward account, Amazon will issue an Amazon Gift Card to you for an amount equal to the value of the Capital One rewards points used towards your purchase.

In the event your eligible Can i pay bills with my capital one credit card One credit card is linked to an Amazon.com account that is not your own, or you allow others to access your Amazon.com account where you have linked an eligible Capital One credit card, your Capital One rewards balance will be displayed and your rewards will be available for their use.

Additional Capital One service terms may apply.

You can make a one-off payment to pay a bill in Online Banking, if you’re registered.

First, go to the ‘Pay and transfer’ menu on your Online Banking homepage and select the ‘Make a payment’ link in. Now you can pay a bill in 3 simple steps.

1. Enter payment details

If you've made a payment to the company before, their details will be on your payee list. If you haven't, you'll need PINsentry (either the card reader or Mobile PINsentry) as well as the name of the company you're paying, their sort code and account number.

During Step 1 you’ll be asked to type a reference. If you're paying a credit card, this should be your 16-digit credit card number. For other companies, it could be your account or reference number.

2. Confirm can i pay bills with my capital one credit card Please make sure you check the payment details carefully before you confirm the payment.

3. Receive receipt

You'll see a screen confirming all the details of your payment, including the expected time it will take to reach the account.