Chip Lupo, Credit Card Writer
@CLoop
You cannot pay your American Express credit card with a debit card, regardless of whether you are trying to pay online, in person, or over the phone. American Express also does not allow you to pay a credit card balance with a different credit card, except for balance transfers.
Other Options for Paying American Express Credit Card Bills
- Online with a checking or savings account
- Over the phone with a checking or savings account
- By mail with a check or money order
One way you can indirectly use a debit card to make an American Express credit card payment is to withdraw money from an ATM with the debit card, then pay using cash. This just adds steps to the payment process, though, and it’s generally much better to pay using another method.

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