3 ways to Pay a friend with Credit Card

Last Updated on April 29, 2021

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If you have borrowed some money from a friend, you might be anxious about returning it, especially when you don’t have cash in hand. It is a common problem, but there is no need to fret. Now you can pay your friend with a credit card. Although it involves a fee, the solution is still worth it.

The Most Common Ways to Pay with Credit Card

If you want to pay back your friends, family, or anyone else without the hassle of keeping cash in your wallet, going to an ATM, or paying advance cash fees, then there is good news for you. Now you can do this with just a few taps on your phone.

There are many such apps available that can help you with this. A few of them are worth trying. You can use more than one app at a time because sometimes different friends are using various apps. So, to keep it easier for them and yourself, it is better to be versatile while transferring money.

Cash App

Cash app is one of the most highly-rated money transfer apps at the App Store for transferring funds to friends and family members. It is pretty similar to Venmo, even Zel. It features a cash card which is an actual debit card that you can get for free.

This card can actually utilize the money sitting in your cash app account, whether transferred from your bank or debit card or by a person. You can use this card either in stores or online. You can also withdraw money from an ATM.  It charges 3% transaction fees to send money through a credit card. Otherwise, this app is free to use.

It has more than 35 million downloads worldwide. $Cashtag is its unique identifier, and you can send or request money with it. You can make secure and private payments through it.

It is very simple to use. Just download the app and create an account. Then enter the amount you need to send and set the recipient. It is necessary for the person you are sending funds to have the Cash App.


Sign in to your Venmo account via Facebook or email. It is a free-to-use app. Moreover, it does not charge for transferring money through a debit card though it requires a 3% fee for transferring through a credit card. So to recover this fee, you can use one of the best credit cards for Venmo. It is a perfect idea.

Your friend, whom you are sending the funds, needs to have the Venmo app. Otherwise, you cannot send the money through this app.

One unique feature of this app is that you can see public transactions via your newsfeed if your friends and family allow it. Otherwise, an option for privacy is also present.


PayPal is one of the oldest services for requesting and sending money electronically. Its account is free. You have to sign up for that and link your credit card with it. Each transaction with a credit card costs you more than 2.9%. It may also vary in the case of any currency conversion.

Like all other money-sending apps, the receiver of PayPal money should also have a PayPal account. It offers many other advanced services than just sending money electronically. The app is reviewed to be a little less user-friendly. However, its benefits are incredible for businesses and individuals.


So these are the most credible ways of sending funds to friends and family. You can use any one of them, depending upon your ease and the app’s availability on your friend’s mobile.