Can I pay my Wells Fargo mortgage with a credit card?

Yes, you can pay your Wells Fargo mortgage with a credit card, just not directly. Lenders typically prohibit people from paying off debt with more borrowed money, because it’s a risky practice that can’t be sustained for long.

The easiest way to pay your mortgage with a credit card is through a third-party service such as Plastiq. It is a popular service that converts credit card charges into a payment method accepted by your lender. But you’ll have to pay a fee to use a service to pay your mortgage with a credit card. Plastiq charges 2.5% of each transaction.

A money-sharing service such as Venmo could be an option, too. But lenders aren’t likely to accept this type of payment, and there’s a 3% credit card fee.

Another way would be to transfer your remaining mortgage debt to a 0% balance transfer credit card. But you shouldn’t do this until you’re in the home stretch and can pay off your remaining balance before the end of a credit card’s 0% introductory period.

Keep in mind that balance transfer fees or the credit card convenience fees charged by third-party services could throw off the value of paying your mortgage with a credit card for points, miles or cash back.