Can you pay PG&E with a credit card?
Yes, with a fee of $1.50 a payment.
Stated on PG&E's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay PG&E
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card through the biller's processor | Yes | $1.50 | An independent payment provider (not named) handles card payments. The residential credit or debit transaction fee is $1.50; business is $6.95; the commercial credit card surcharge is 1.95% of the payment (effective June 9, 2025). Transaction limits are listed at pge.com/waystopay; no maximum is stated. The fee also applies to guest and phone payments, including from bank accounts. Apple Pay and Google Pay are available for immediate payments. Networks: visa, mastercard, discover, amex. |
| Bank account (ACH) | Yes | $0.00 | Free when paid from a logged-in account, by autopay, or by mailed check. Guest and phone bank payments carry a fee. |
What it is worth for your utility bill
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Card through the biller's processor ($1.50) | $1.50 | +$18 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
For a $150 utility bill, the fee is more than a typical 2% card earns, so pay PG&E from your bank account. A card only makes sense here if it is the cheapest way to finish a sign-up bonus; the calculator checks that against your other bills.
Watch out for
Even bank payments by phone or as a guest carry a PG&E transaction fee. Only logged-in and autopay bank payments are free.
Sources
Effective June 9, 2025: Bill payment transaction fees have changed.
www.pge.com · checked October 19, 2026Payments from a checking or savings account do not require any transaction fees.
www.pge.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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- Arizona Public Service · Card, with a fee
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See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.