Pague Boleto S/ Taxas c/ Cartão em 2025 (Opções com e sem taxas ganhe milhas) | Papo de Milhas

Summary

In this video, João from the Papo de Milhas channel explains how to pay bills using a credit card, highlighting options that offer no fees or benefits like cashback and miles. He discusses various platforms, such as Pagou, Flexpag, and 99pay, that allow bill payments with credit cards, both with and without fees. João also covers the potential advantages of accumulating miles and cashback, advising viewers to calculate costs and rewards carefully. Additionally, he promotes his courses and community groups for learning more about using credit cards for travel rewards and optimizing spending strategies.

Takeaways

• 😀 Paying bills with a credit card can offer benefits such as cashback, miles, and points accumulation.
• 😀 Some utility companies, like Light in Rio and Enel in São Paulo, allow bill payments without any fees when using a credit card.
• 😀 Certain companies, such as Vivo and Claro, offer no-fee credit card payments for phone and internet bills through their apps.
• 😀 Payment platforms like Pagou and FlexPag offer options for paying bills and gaining cashback or miles, even without using a credit card.
• 😀 FlexPag allows users to load money into the platform and pay bills with credit cards, without incurring fees in some cases.
• 😀 Major banks like Bradesco, C6 Bank, Itaú, Santander, and Unicred may allow credit card bill payments, but often do not offer miles accumulation or charge high fees.
• 😀 Paying bills with a credit card may incur fees, but some services like 99Pay, Mercado Pago, and RecargaPay offer cashback options that can make it worthwhile.
• 😀 There are options for paying bills with a credit card through lottery outlets, with a low fee of around 2.95%, but a maximum payment limit of R$5,000.
• 😀 Calculating whether it’s worth paying bills with a credit card depends on factors like the card’s rewards system and current exchange rates (e.g., if a card accumulates miles based on USD).
• 😀 Many promotions offer cashback when paying bills with a credit card, making it possible to offset the fees by earning cashback in the process.
• 😀 Some cards, like the Nubank Ultravioleta, provide significant cashback benefits that can make paying fees with a credit card worthwhile, especially if you meet certain spending thresholds.

Q & A

What are some benefits of paying bills with a credit card, as discussed in the video?

Paying bills with a credit card can offer various benefits, such as the ability to delay payments to the next month, earning cashback, accumulating miles, or potentially meeting the required spending thresholds for certain credit card benefits, like waiving the annual fee.

Which companies allow bill payments with credit cards without charging any fees?

Companies such as Light (electricity provider in Rio de Janeiro), Enel (electricity provider in São Paulo), and telecom providers like Vivo and Claro allow payments via credit card without fees, as long as you pay directly on their websites or apps.

Can you pay bills with a credit card without any fees in every situation?

No, not all situations allow for fee-free credit card bill payments. Some services may impose a fee, while others may offer benefits like cashback or miles. It's essential to check each service for specific payment conditions.

What is the role of apps like Pagou and Flex Pag in paying bills?

Apps like Pagou and Flex Pag allow you to load funds into your account and use them to pay bills, sometimes offering cashback or miles for certain transactions. These platforms can also be linked to strategies for earning miles without directly using a credit card.

Are there any specific payment methods mentioned in the video that could earn you cashback?

Yes, using platforms like 99Pay or RecargaPay to pay bills with a credit card often provides cashback opportunities. Some users might receive cashback for their transactions, which can make the payment process worthwhile even with associated fees.

Which banks or services offer the lowest fee for credit card bill payments?

The lowest fees mentioned are from Banco Barisul, with a 1.99% fee for paying bills using a credit card. For smaller payments, platforms like 99Pay also provide relatively low fees, around 3.99%, and cashback offers may further reduce the cost.

What do you need to consider before paying bills using a credit card?

You need to consider the fee structure, whether the payment will earn you cashback or miles, and how this impacts the overall cost compared to other payment methods. It's important to calculate whether the benefits outweigh the fees.

Why might some people prefer using credit cards for bill payments even with high fees?

People may prefer using credit cards for bill payments if they are working toward meeting a spending threshold for waiving annual fees or want to accumulate miles for future travel. Additionally, credit cards may offer cashback that could offset some of the transaction costs.

How do credit cards that accumulate miles based on USD impact the cost-effectiveness of bill payments?

Credit cards that accumulate miles based on the USD may not be as cost-effective for bill payments now, as the value of the dollar is high. This could lead to paying more for miles than in previous years when the dollar was weaker.

Is it always worth paying a bill with a credit card even if there is a fee?

It depends on the situation. If you are earning significant cashback or miles, and the fee is relatively low, it may be worth it. However, if the fees are high and the benefits (cashback or miles) don't justify the cost, it might not be worth paying bills with a credit card.