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8 Best No Recurring Transaction Credit Cards of 2025
Published Sep 12, 2025 5:38 AM UTC • 9 min read
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FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
One of the main expenses everyone has is recurring transactions. Things like streaming services like Netflix, software like Spotify and many more things we pay for each month.
One exciting thing about these types of transactions is that you can earn increased rewards on some credit cards.
In fact, because I also have many recurring transactions, I have optimized my cards for these transactions netting me a few hundred dollars in cashback each year and want you to make the best choice too!
In this blog, we briefly go through what makes a transaction a recurring one in the context of credit card transaction types to make sure you know which ones would be qualified for increased rewards or not and then we will rank the best credit cards for recurring transactions in Canada and discuss their pros and cons.
What recurring transactions and bills qualify for increased rewards?
When you allow a merchant to automatically deduct money from your credit card for their product or service, that would be a recurring transaction; that transaction is considered recurring when getting rewards from credit cards. There are no additional things you need to do after entering your credit card info, and things will automatically keep getting deducted from everyone until you decide to stop the payments.
A few good examples of these transactions would be:
- Subscriptions
- Phone, internet bill
- Streaming and audio services (Spotify, Netflix, etc)
- Membership (Gym memberships)
Now, some of these services might ask you to pay directly from your online banking. For example, many utilities don't take credit cards; therefore, when you pay from direct banking, you would not qualify for credit card rewards. Also, if some of these services offer you month-by-month payments manually instead of setting up automatic billing, your transaction might not qualify as a recurring transaction.
Reasons to avoid paying recurring transactions and recurring bills with a credit card
When you are given the option to pay your bills (like utilities) with your credit card, it's good to check whether there are any additional fees when you choose this option.
Most companies try to choose direct payments because they have very few fees, but if they choose to accept credit cards, they must pay a fee typically between 1% and 3% to the credit card processors. Because of this in many cases they might choose to pass this fee to you which makes the transaction more expensive than direct payments.
In these cases, do the math and see whether it's worth the rewards you get in return or not.
Best Credit Cards for recurring transactions and recurring bills based on your condition
Let's go through the results:
Best Card if you have high amounts of recurring transactions and bills (From $600/month up to $2000/month)
Our choice for: Best value on recurring bills and groceries
APPLY NOW
on Scotiabank's website
Welcome Bonus
10% Cash Back (up to $200 value)
Rewards Rate
1% - 4%
Cash Back
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
Cons
- The base cashback rate (1%) is low for most high spent categories, especially after the first year when the card's annual fee kicks in.
- Cashback is paid out once per year in November
Rewards
- 4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1000 cashback per year then drops to 1%)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Insurance
Coverage
Mobile Device Insurance
$1,000
Travel Accident
$500,000
Emergency Out of province Medical
15 days
Trip Interruption
$2,000
Trip Cancellation
$1,500
Flight Delay
$500
Lost or Stolen Baggage
$500Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Yes
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
If you have a high amount on your recurring transactions per year, then the Scotia Momentum® Visa Infinite* Card would be the best card for your recurring transactions. The reason is simple. They have the highest reward rate in this category, which is 4%. No other card in this category comes close to this card.
One other benefit of this card is that it is a great card for your grocery purchases (4% on that category as well), which could be attractive for many.
Best Cashback Credit card if you have a Rogers Service (Any spending amount)
APPLY NOW
on Rogers Bank's website
Welcome Bonus
Up to $60 cash back ($90 if redeemed for Rogers, Fido or Shaw purchases)^
Rewards Rate
1% - 3%
Cash Back
Annual Fee
$0
Interest Rates
20.99% - 25.99%* / 22.99% - 27.99%*
This card is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.
Pros
- Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth. Compare this card here.
- There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
- Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.
Rewards
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1% unlimited cash back on eligible non-U.S. dollar purchases.^
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $80 value).^
Insurance
Coverage
Balance Protection
Minimum payments
Benefits
Details
No Cost roaming
5 days
Eligibility
Credit Score
GoodAnnual Income
N/A
**, ^, Terms and conditions apply. Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, visit Rogersbank.com. Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%. ®/TM Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card. Check here for full details and current product information.
The Rogers Mastercard is unique because its reward rate depends on whether you have a qualifying Rogers, Fido, or Shaw Service card. If you don't have one, getting this card is not recommended because the rewards rate won't be that high. However, if you do, you can get a 3% cashback rate on all your purchases, including recurring ones.
This is another reason why we think this is one of the best credit cards for recurring transactions and consider it one of the best credit cards in Canada overall for people with a qualifying service.
Best Credit Cards if you have small amounts of recurring transactions and recurring bills (less than $600/month) and don't have a Rogers Service
If you have small amounts of recurring transactions, then you better go for a card with no annual fee. There are some great options to look at:
Best overall no-fee credit card for recurring purchases and Best card for recurring bill payments (such as internet bills)
APPLY NOW
on Tangerine's website
Welcome Bonus
10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months
Rewards Rate
0.5% - 2%
Cash Back
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
While we think Tangerine isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. This card only requires a Fair credit score, making it an excellent choice for people who don't have a high credit score yet.
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Easy credit score requirements needed for this card.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
Cons
- Insurance coverage is the most basic.
- Very low cashback rate on the other categories not selected.
Rewards
- 2% on the choice of two categories chosen from the 10 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reoccurring Bill Payments, Home Improvement, Public Transportation and Parking).
- Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other credit card purchases.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Eligibility
Credit Score
GoodAnnual Income
N/A
*11 Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)
A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account. Check here for full details and current product information.
If you don't travel a lot, a great option is the Tangerine Cashback Credit Card. The unique feature of Tangerine cards is that you get to choose bonus categories, including recurring purchases, where you can earn 2% cashback. Among the free cards (excluding Rogers), this card has the highest cashback rate, making it an excellent choice.
If you have a high income, you can also apply for the World Elite version of this card. It offers identical rewards with no annual fee but includes additional benefits like lounge pass access and mobile insurance, making it a well-rounded card.
APPLY NOW
on Tangerine's website
Welcome Bonus
10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months
Rewards Rate
0.5% - 2%
Cash Back
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
While we think Tangerine World Mastercard isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. For no annual fees
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
- A few benefits such as free DragonPass for lounge access, Boingo Wi-Fi, and insurances like mobile insurance and car rental theft and damage insurance.
Cons
- With these income and credit score requirements, there are cards with no annual fees that offer much higher rewards and benefits.
- Very low cashback rate on the other categories not selected.
Rewards
- 2% on the choice of two categories chosen from the 10 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reoccurring Bill Payments, Home Improvement, Public Transportation and Parking).
- Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other credit card purchases.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a yearMobile Device Insurance
$1000Car Rental Damage & Theft
31 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Boingo Wi-Fi hotspot
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*Terms and conditions apply. Check here for full details and current product information.
If you are subscribed to many streaming services
Our choice for: Great rewards, travel benefits and no FX fees
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 50,000 Scene+ points ($500 value)
Rewards Rate
1x - 6x Scene+ points
Points
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 25 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
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Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*†With minimum spend in the 1st year. ◊Conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
If you have many streaming services from this list, a flexible rewards card to earn bonus rewards on streaming services is the Scotiabank Gold American Express® Card. You will earn three Scene points for payments towards the services on that list, which can be redeemed at $0.03, giving an effective cashback rate of 3%. The one notable downside is that you don't get the 3% on any other recurring purchases, only from the merchants on that list.
Besides this, the card is very solid, with many unique benefits, such as no foreign transaction fees, which are not offered by almost any other card, and a great rewards program, making it one of the best options to carry in your wallet.
If you don't want to pay an annual fee, you can choose the Scotia American Express Card, which will earn you 2 points instead of 3 on these purchases.
APPLY NOW
on Scotiabank's website
Welcome Bonus
Up to 7,500 Scene+ points ($75 value)
Rewards Rate
1x - 3x Points
Points
Annual Fee
$0
Interest Rates
19.99% / 22.99%
If you're looking to earn travel rewards without an annual fee, the Scotiabank American Express® Card is a great choice. It offers flexible Scene+ points on everyday purchases, allowing you to redeem rewards for travel, entertainment, and more—all while enjoying plenty of perks at no extra cost.
Pros
- Strong Rewards: Earn flexible Scene+ points on all everyday purchases.
- Mobile Device Insurance: Comes with coverage for your mobile devices.
- Exclusive Perks: Access special offers, experiences, and more through American Express Invites.
- No Annual Fee: Enjoy all these benefits without paying an annual fee.
Cons
- Limited Insurance Coverage: Insurance is confined to mobile devices and purchase security & extended warranty protection.
- Lower Acceptance: Due to being an American Express network card, less merchants may accept it.
Rewards
- Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 2x Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
- Earn 2x Scene+ points for every $1 you spend on eligible select streaming services
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance
Coverage
Mobile Device Insurance
$500Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
American Express® Experiences
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
If you travel a lot:
APPLY NOW
on American Express' website
Welcome Bonus
Up to 10,000 points ($210 value)
Rewards Rate
1x point
Points
Annual Fee
$0
Interest Rates
21.99%* / 21.99%*
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Rewards
- 1x point per $1 spent on all purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
Extra points
2 points on Amex Travel Online purchases
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
If you are a traveler and are open to using your points for air travel and hotels, then the American Express® Green Card is a perfect option for a travel credit card. With no annual fee, you gain 1 point per dollar spent which could be redeemed at $0.021 for travel, effectively giving you a 2.1% cashback rate which is great for a free card. The main disadvantage of the American Express card is that it might not be accepted as a payment option everywhere, so you need to check before you go for this card.
Best Credit Cards for utilities
As previously mentioned, utilities could be considered as a recurring purchase or a non-recurring purchase depending on whether you allow the payment to be taken automatically from your credit card or not.
So, if you have pre-authorized payments, then the cards that were previously discussed are your best options. But if you don't have them pre-authorized, then a card with high cashback rate is what you are looking for because that transaction could be considered as uncategorized in terms of credit card rewards. So you will need a card that gives a good rewards rate on the other categories.
FAQ
Is it better to put recurring payments/monthly payments on a credit card?
Most of the time, yes! Simply because you would miss out on credit card rewards.
But as previously mentioned, there are some cases where direct payment from the bank is available; paying with a credit card might come with some additional fees. In these cases do some calculations and see whether the rewards you get from your credit card is higher than the fees or not and then make the decision.
Will getting a new credit card stop recurring payments?
When you authorize recurring payments, you're allowing a merchant to charge your credit card number periodically for a service or subscription. If you get a new card (due to expiration, loss, or fraud), the recurring charges might initially fail because the card details have changed.
There are some exceptions to this however which is some credit card issuers participate in an account updater service which they automatically provide the merchant with your new card info. We don't recommend you to wait and see if this happens or not and if you don't want the services you are using to be interrupted, we recommend changing your credit card infos for your recurring payments proactively.
Can I ask my credit card company to stop a recurring payment?
Yes, you are allowed to contact your credit card company and stop a recurring payment.
Be advised, though, that cancelling your automatic payments does not mean that your contract with your service provider is also cancelled. If you have a contract that requires payments in the future, it's better to check with the service provider or merchant so that you don't incur penalties or future bills.
Can I pay my bills with an American Express Credit card?
It depends on whether the merchant or service provider accepts American Express or not. Because American Express usually charges merchants more than Mastercard or Visa, many choose not to accept American Express, but there are some that still continue to accept it.
You can check this yourself by going to the merchant's payment portal and see if you see American Express as a payment option or not.
Do recurring payments affect credit score?
Recurring payments themselves don't directly impact your credit score. The only indirect way they might affect your credit score is if you don't make on-time payments on those transactions which then could cause your credit score decrease but that does not relate to the recurring nature of those transactions.
Conclusion
There aren't that many cards that give great rewards on recurring transactions and recurring bills, but the few that do offer very decent rewards. Different cards might be suitable for you depending on the amount of recurring transactions you have in the month.
About the author
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIOAbout the editor
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
SEE FULL BIO