Picture not described

Billhop review

Billhop lets you earn credit card points on (almost) all your bills and expenses even when credit cards aren't an accepted payment method.

Ever wished you could pay the rent, your energy bill or your business invoices by credit card? With Billhop, you can. But you’ll have to do the maths and figure out if it’s worth it.

Explain Billhop to me in 3 sentences

Billhop is a service that lets you pay pretty much any kind of bill or invoice using your credit card. In exchange for a fee, you can take advantage of your card’s interest-free days and earn points and rewards on your spending. It’s meant for those times when credit cards aren’t accepted as a payment method, but you’d still like to use yours.

How does Billhop work?

  • Sign up. You’ll need to fill in a form with your personal details which shouldn’t take more than a couple of minutes. You won’t be credit-checked.
  • Add your invoices/bills. You’ll need the recipient’s account number, the amount and the invoice reference number.
  • Pay with your credit card. You can also save your credit card details directly into Billhop, so you don’t have to add them in every time. The payment will reach the recipient within four working days.
  • There’s a 2.95% fee on every transaction. This is the catch. For example, if you pay £100 through Billhop, you will be charged £102.95. You’ll have to consider whether the benefits of paying with your credit card outweigh the costs.
  • Set recurring payments for your regular bills. Or schedule your payments in advance. The great advantage of direct debits is that you don’t need to remember to make a payment every single month. Recurring payments on Billhop serve the same purpose, even though they’re only helpful when your bill’s amount always stays the same.

Can I use Billhop with my business credit card? How does that work?

You 100% can. As a business, you’re actually more likely to be able to make the most of Billhop. Many suppliers don’t take credit cards, which can be a serious problem if you want to use yours to improve your cash flow or earn more rewards.

Depending on your credit card’s terms, using it can give you up to 56 days interest free, which makes it a very convenient way of borrowing for the short term. Some suppliers might also offer you a discount if you pay early.

If you do decide to use Billhop for your business, things work pretty much the same way. You’ll need to sign up to Billhop as a business using your company details. You will then be able to use your business credit card to pay your invoices. The fee is also the same as for personal payments – 2.95% of the transaction’s amount.

Should I use Billhop?

As we said, you’ll need to calculate whether using Billhop is worth the fee. Much will depend on the benefits your credit card offers. Start by considering the following factors:

  • Points. If your credit card earns points, cashback or air miles, using Billhop can allow you to earn them more quickly. However, Billhop’s fee makes it an expensive way of buying points. Even top credit cards don’t usually offer more than 1% (or very occasionally 2%) back, so it won’t normally be worth using Billhop just to earn more points. However, things could be different if you’re trying to reach the minimum spend you need to get a point bonus. Some Amex cards, for example, tie their juicy introductory bonuses to a certain minimum spent in the first three months.
  • Credit. If points by themselves will hardly make Billhop worth it, coupled with the ability to spread the cost of an expense, they can make using Billhop a solid idea. Using your credit card gives you extra time to pay without charging interest (as long as you pay it back before the interest-free days are over). This is especially true if your credit card offers a 0% deal on purchases.
  • What else could you use your credit card for? If you feel like you’re not taking full advantage of your credit card, try thinking about what you could use it for without Billhop first. There are plenty of places that will accept it for free. For example, could you use it more often to pay for your grocery shopping? Also, some energy providers will actually take it, and most councils will accept it as a payment method for council tax.
  • Credit limit. The ability to use your credit card for pretty much any kind of expense may encourage people to overspend. Try not to come too close to your credit limit (it can impact your credit score) and avoid going beyond it at all costs.

Pros and cons of Billhop


  • It allows you to pay by credit card even when it isn’t an accepted payment method.
  • Quick and easy to sign up to and use.
  • If you have a rewards credit card, you can earn points, cashback or air miles more quickly.
  • It buys you extra time to pay an expense back, especially if you have a 0% deal.


  • Using Billhop comes for a 2.95% fee.
  • Direct debits can be more practical, especially if your bill’s amount changes every month.

Billhop customer reviews

Billhop has received positive reviews overall from customers, according to review platforms like Trustpilot. It currently has a “great” Trustpilot rating, with a score of 3.9 out of 5, based on more than 180 reviews (updated 17 March 2021). Many customers suggested Billhop had good customer service, and were easy to use, in their reviews.

The Billhop app has also received generally positive, but limited, reviews (updated 23 December 2020), with a rating of 2.6 out of 5 on the Google Play store (based on 10 reviews), and a rating of 3.5 out of 5 on the Apple App Store (based on 4 reviews).

The bottom line

Using Billhop can earn you credit card points faster and buy you more time to pay back an expense, but it comes at a cost. Check if there is any other expense you could put on your credit card for free first.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site