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BofA: Credit card for paying ebills?

wasCB14
Super Contributor

BofA: Credit card for paying ebills?

I'm facing a dilemma after a move and new utilities.

 

1. I can load my CFU info onto utility websites (SoCalGas, SoCal Edison, city water, Spectrum cable, Athens trash), pay the modest fees to pay by CC, and monitor the bills online at each website. Somewhat rewarding, but a bit more time-consuming.

 

2. I can push payments from Schwab checking. No fees, but no rewards.

 

I've considered moving to BofA and getting a checking account,  $100k+ brokerage account, and Premium Rewards card (2.62% or 2.625%).

 

If I did that, could I pay utility ebills from the BofA bill pay service and put them on a BofA credit card? Perhaps I could overpay the nominal bill amount by the amount of the fee they would charge for a CC? I'm not trying to get around the fee, but I don't know if ebills are only available for customers paying by check.

 

I have not yet tried to pay several months in advance. I suppose I could sign up for ebills and then make manual CC payments on the biller website, but there is room for error in failing to mark, or falsely marking, an ebill as "paid of biller website".

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 1 of 6
5 REPLIES 5
FortifiedHM
Valued Contributor

Re: BofA: Credit card for paying ebills?

The "pay from" seems to only include checking or money market account.

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Message 2 of 6
digitek
Established Contributor

Re: BofA: Credit card for paying ebills?

I use CC to pay my utilities.  Gas/Electric charges a very small fee (flat $2.50?), I pay quarterly.  Water/Sanitation I can setup auto-pay for CC on due date and they don't charge a fee.  Cell phone can auto-pay from CC on due date no fee.  Internet can pay with CC for no fee, but no autopay, I pay this one quarterly.  Netflix/Hulu/Google Play Music all can auto-pay from CC on due date no fee.

 

US Bank Cash+ with Utilities/Streaming can take care of all that for you, except for the cell phone, which not sure of your phone situation you might want to put on a card with cell phone insurance.  If your utilities are anything like mine, this should net you $100+ annually over any other card.  Not sure of current SUB, but US Bank is solid and Cash+ is useful.

Current -
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Message 3 of 6
creditfan
Established Contributor

Re: BofA: Credit card for paying ebills?

definately utilites should look for US bank cash+

Message 4 of 6
imaximous
Valued Contributor

Re: BofA: Credit card for paying ebills?

You can't use a credit card as a "Pay From" source.
AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 5 of 6
wasCB14
Super Contributor

Re: BofA: Credit card for paying ebills?

Thanks. Maybe I'll do pulled payments and autopay for a few months and test them out. If it's too messy I can move a few to push payments through Schwab.

 

Clearly not any easier with BofA checking vs. Schwab.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 6 of 6
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