Do You Need A Credit Card For Afterpay? A Quick Overview

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Do you need a credit card for Afterpay? It’s a common question among shoppers, and the answer is that it depends on the situation. Afterpay allows shoppers to pay for their purchases in equal installments, making it a great way to make budget-friendly purchases. However, using Afterpay requires you to have a valid credit or debit card. 

Hop on to reading this short Afterpay overview to learn the ins and outs of Afterpay, how to use it, and the different types of credit cards you may need.

Overview of Afterpay

Afterpay is a payment service that lets you pay off a purchase in four simple installments. There are no interest fees, no hidden fees of any kind, and no need to have a credit check done or have a high credit score. Afterpay works by collecting a small deposit on your purchase when you buy online or in-store. Once you’ve made your first three payments, you can either pay off the entire purchase at once or keep making installments until you pay it in full. All this makes Afterpay a good option for people with low credit scores or those who can’t get a classic credit card. 

Afterpay allows you to use the funds from your credit card to pay for a portion of your purchase.

How to use Afterpay

Before you can use Afterpay, you’ll need to sign up for a free account. After you’ve created an account, you can shop for items at any Afterpay-enabled retailers. Once you’ve found something you want to buy and added it to your cart, navigate to the checkout page and select Afterpay as your payment method. You’ll then be prompted to enter your card details and make a deposit on your purchase. After making your deposit and paying your first payment, your purchase is shipped to your address. After making your second and third payments, your purchase is fully paid off. You can keep making installments until you’ve paid off your purchase entirely. You can also choose to pay off the purchase in full at any time.

Benefits of using Afterpay

Afterpay is a convenient way to shop, especially if you need a large purchase but don’t have the funds available in your bank account. There are no fees associated with Afterpay, which means you won’t have to worry about extra costs or fees. If you find yourself in a situation where you need to use your credit card and don’t have a credit card for Afterpay, you can use a debit card, and just be aware that you will be charged a convenience fee for using it. Afterpay also allows you to shop from retailers that may otherwise not accept debit cards.

What credit cards are accepted for Afterpay?

what cards does afterpay accept

To start using a credit card with Afterpay you might want to make sure the card you use is accepted for Afterpay. 

The best way to know it is to check the terms and conditions on your card. If you have a rewards or points program, you must check the terms and conditions to make sure you can use it with Afterpay. 

There are several types of credit cards that you can use with Afterpay, including travel rewards, everyday rewards, and student cards. 

  • Travel rewards cards are the best types of credit cards for Afterpay because they are flexible billing options. You can use them to shop online or in-store, and you can use them to make Afterpay payments. This makes them the most versatile credit cards for Afterpay. 
  • Everyday rewards cards are also good choices for Afterpay because they are easy to use. 
  • Student credit cards are also a good option for Afterpay because students can obtain a credit card without having a high credit score.

What to look for when selecting a credit card for Afterpay

While there are many types of credit cards you can use for Afterpay, there are also many factors to consider when choosing a card. 

First, consider your spending habits. If you’re someone who tends to overspend and carry a balance on your card, a travel rewards credit card is likely a better option for you. If you’re someone who pays off their balance in full each month and values points and cash backs, an everyday rewards credit card is a better fit. 

Another thing to consider is your credit score. If your credit score isn’t high enough to qualify for an everyday rewards credit card, a student card is a good alternative.

What to do if you don’t have a credit card for Afterpay

If you don’t have a credit card for Afterpay in your name, you can use a family member’s or friend’s card. However, you should know that it’s important to treat that credit card as if it were your own. This means you should make sure the card gets paid off in full each month. If your friend or family member pays off their credit card on time, you can use their card for Afterpay without hurting their credit score. 

Another option is to get a secured credit card. These cards require you to put down a security deposit to get approved, and they are typically a good choice for someone with bad credit. Your best bet is to go to your nearest bank branch and talk to a credit card representative. They’ll be able to help you choose the best credit card for Afterpay in your situation.


As you can see, there are several options that you can use to go with Afterpay, including credit cards. The good rule of thumb will credit cards on Afterpay will be to use your common sense and make purchases only if you believe you can pay them off on time. With this in mind, Afterpay can be a great option for customers making some purchases more affordable and thus, buying more confidently (which also makes using Afterpay for businesses obviously beneficial).

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