KUBRA 2025 Credit Card Usage for Bill Payments Research

Credit cards remain a key tool for bill payments, but how consumers use them is evolving. This white paper explores why people choose credit cards to pay bills, when they opt for other methods, and what influences their preferences. Our research reveals a hybrid approach, where credit cards are combined with other payment methods — like ACH and debit — based on convenience, rewards, fees, and financial flexibility. Discover the trends, behaviors, and emerging opportunities shaping this dynamic space.

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