How Do I Use My Points to Pay My Bill with Visa

As a Visa credit card member, you may want to use any rewards points you have earned to reduce your Visa balance. Go online and redeem your earned points for a statement credit or get cash back that you can apply to your balance or split between your credit card statement and other bill or purchase.

One of the perks of a credit card reward program is essentially getting paid to shop. If your Visa card has a reward program attached, you can trade those points in for a number of different things such as gift cards or cash back, or you can use points to pay your credit card balance. How do you use your points to pay your bill with Visa? You can get information from Visa customer support here, and you can learn more by reading the information below.

Quick Note About Visa

Visa does not directly issue credit cards. Instead, it partners with financial institutions to provide credit cards to customers. Visa is a payment processing network, not a financial institution. Therefore, the rewards program attached to your Visa card will be administered by the bank, credit union or retailer that issued your Visa credit card.

How To Use Reward Points To Pay Your Visa Bill

Applying Points as a Statement Credit

One way to use your Visa reward points to pay your credit card bill is to apply those points to your statement as a credit. You can do this by following the steps below:

Go to your card issuer's website and log into your account.
Click on the link to navigate to the rewards page.
Select the number of points you want to redeem.
Choose "statement credit" to apply the points to your Visa bill.
Check to make sure the points are properly credited to your statement amount, and that the points are deducted from your points balance.

Cash Back Rewards

Another way to use your Visa points to pay your credit card bill is to redeem points for cash back. To get a cash reward, follow these steps:

Log into your account at the issuer's website.
Navigate to the rewards page.
Select the number of points you want to redeem.
Choose "cash" as your redemption option.
The points should automatically deduct from your points balance. Cash rewards are usually directly deposited into your linked bank account; however, you may also opt to have a paper check mailed to you.
Use the cash back to pay your credit card bill or split the cash back between the Visa bill and another payment or purchase.

More About Visa Points

Remember, you can use your Visa rewards points toward a statement credit; however, that might not give you the best return for your reward points. Cash back and statement credits usually don't carry the same level of rewards as other perks such as travel miles or hotel stays. Reward points are a great way to reduce your credit card bill by using the points as payment. For more information or assistance, contact Visa customer service here.

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