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

Once you have earned enough reward points from using your MasterCard, you can cash those points in to lower your credit card balance. Redeeming points for a statement credit or cash back that can be applied to your balance will lower your bill and help meet your monthly obligation while increasing your spending power.

You've used your MasterCard for everyday purchases, and you've earned reward points that you are ready to redeem. One of the options you have is to redeem your MasterCard reward points to pay your credit card bill. How do you use your points to pay your bill with MasterCard? You can get assistance from MasterCard customer service here, and you can read on to learn how to turn points into bill payments.

An Important Note About MasterCard

Your MasterCard was not issued directly by MasterCard; rather, it was issued by a bank, credit union or retailer that partners with MasterCard to provide lines of credit. MasterCard is a payment processing network and does not issue cards directly. Because of this, reward programs are often determined by the financial institution that issued your MasterCard.

Redeeming Points To Pay your MasterCard Bill

There are a couple of ways to redeem your MasterCard points to pay your bill: as a statement credit or for cash back.

Statement Credit

To use your MasterCard points as a statement credit, follow the steps discussed below:

  1. Log into your account at your financial institution that issued your MasterCard.
  2. Go to the rewards page for your credit card.
  3. Decide how many points you want to redeem.
  4. Choose "statement credit" or "apply to statement" to use the points toward your credit card bill.
  5. Confirm your selections and redeem your points.
  6. This should show up on your statement as a credit; however, it may take a few business days to appear.

Cash Back

Another way to use your MasterCard reward points to pay your bill is to redeem them for cash back. To use points this way, follow these steps:

  1. Go to your account at your financial institution and log in.
  2. Click the link to open your rewards page.
  3. Choose the number of points to redeem.
  4. Select "cash back" to get money directly deposited into your linked bank account or have a check mailed to you.
  5. Use the cash you received from redeeming your MasterCard points to pay your credit card bill.

Remember, when using your MasterCard reward points, you want to get the most out of your rewards. Redeeming points for a statement credit can reduce your overall debt and help you meet your monthly bill, but statement credits usually don't give full value for points redeemed. For more information, call MasterCard customer service here.

Why Did GetHuman Write "How Do I Use My Points to Pay My Bill with Mastercard"?

After thousands of MasterCard customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Use My Points to Pay My Bill with Mastercard to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting MasterCard if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for MasterCard Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like MasterCard in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Use My Points to Pay My Bill with Mastercard guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


Asked 2 months ago
Updated 2 months ago
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use points to pay MasterCard bill
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