How to pay a credit card with crypto in 2023

One of the biggest challenges in the crypto space is that it’s hard to use your crypto in your everyday life. If you want to pay your bills or make purchases with your crypto, you might have to jump through hoops unless you use an app like Spritz Finance to make it happen. 

Spritz makes it easy to do things like pay your credit card with crypto, or even use your crypto to make everyday purchases with the SpritzCard itself! Here’s everything you need to know about how to pay a credit card with crypto in 2023:

Pay your credit card with crypto directly

Spritz offers lots of ways to use your crypto in your everyday life. The Spritz bill-pay feature lets you connect billing accounts like your credit cards to be able to pay for your credit card with crypto in a single transaction. To connect your credit card to Spritz, open an account and head to the billing section to add your bill.

Next, search for your billing provider or do an automatic bill search to find your bills in seconds. Finally you’ll have to verify your card information—either by entering your card number or verifying the account information that we find. Once that’s done, you can make a bill payment straight from your wallet!

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You can pay your credit card with any asset on the Ethereum, BNB Chain, Polygon, Avalanche, Optimism, or Arbitrum networks! That means you can pay your credit card with ETH, BNB, DRIP, or even JOE token! To pay your credit card with crypto, click “Pay with crypto” on the bill you want to pay in the bill pay section of your Spritz profile. Then set the amount you want to pay, select the asset, then approve the token and confirm the payment in your wallet. That’s it!

Set it and forget it with SMARTPay

You can even set recurring payments to your credit card bill using SMARTPay when you pay with USDC on the Polygon network. This will save you on gas fees (we take care of gas fees on SMARTPay transactions!) and make it so you can set your payments and forget them!

To set up a recurring payment, select the “Set up SMARTPay subscription” in the bill-pay section and follow the prompts to determine how much and how often you would like to submit a payment.

Off-ramp crypto to your bank account

We get it, sometimes you have your financial habits set up a certain way. With the Spritz off-ramp you can send crypto to your bank account straight from your wallet in a single transaction. Then you can pay any bill—from your credit cards to your Netflix account—with crypto!

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To set up and off-ramp payment, add your bank account information in the off-ramp section and follow the prompts to off ramp crypto just like you would a bill payment!

Load your SpritzCard to use your crypto IRL

The SpritzCard is a prepaid digital card that you can load with crypto to spend in the real world. You can use your SpritzCard to make payments online, or add it to your mobile wallet like Apple Pay or Google Wallet to pay for things in the real world. Use your SpritzCard anywhere that accepts Visa—that’s millions of locations around the world where you can spend your crypto!

​​Loading your SpritzCard is designed to be quick and easy! Here’s how to add funds to your card:

💳 Open up your SpritzCard in the app, then click “fund with crypto” to get started.
🪙 Choose which asset you’d like to load onto your card, then set the amount.
✅ Confirm the transaction in your wallet. That’s it! You’re ready to start spending.

There are lots of ways to pay a credit card with crypto in 2023 when you use Spritz—or you can load your SpritzCard to use your crypto instantly, anywhere! The rest of the world might still be in the past, but we’re in the future. Refresh your finances with a Spritz account today to catch up! Sign up for Spritz to get started, or join our Discord to get in touch!