Exclusive Billhop discount for HfP readers – pay (almost) any bill with your Amex card
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Back in September we first wrote about Billhop, a Swedish company that lets you pay almost ANY bill with a credit or charge card – including American Express cards.
You can probably imagine how this situation could be useful in your points collecting ….
If you were interested in the Billhop concept but didn’t give it a go yet, Billhop has offered Head for Points readers an exclusive discount on their transaction charge.
About Billhop
Billhop was founded in Stockholm in 2012 – where it has proven very popular with the frequent flyer community – and launched in the UK earlier this year with plans to extend further in Europe.
The company is fully regulated in Sweden (which, under EU passporting rules, means they are regulated here as well). In any event, your money is fully protected because all payments are handled by an established bank. Billhop never has access to your funds, apart from the fee.
The most interesting part about Billhop is that you can pay almost any bill or invoice with any Amex, Visa or Mastercard card, have it treated as a purchase and earn reward points.
More importantly to HfP readers, payments made via Billhop will also count towards spend targets on American Express cards, either for a sign-up bonus or a spending bonus such as the British Airways American Express 2-4-1 voucher.
Registration with Billhop is free – see here – so you have nothing to lose by signing up and seeing how it works.
The only major exception is that you cannot use Billhop to pay instalments on loans, mortgages or credit card bills, ie anything paid to a financial services business. Tax paments to HMRC are OK.
Payments to private individuals are not permitted unless you are invoicing for a service – see below for more on this.
Too good to be true?
If this sounds too good to be true, there is a catch – the service is not free. There is a 2.95% charge on every payment you make, i.e. if you pay a bill of £100, you will pay £102.95 in total.
As you will see below, there is currently a special discounted fee available to Head for Points readers.
This means that, unless you also want the cashflow benefits of putting your bills onto a credit or charge card, this is an expensive way of earning miles or points. It is something that you may find useful if you are struggling to hit the ‘£2000 spend in 90 days for 20000 bonus points’ target on a new American Express Gold card for example.
Remember that if you run your own business and are paying company expenses, the Billhop fee is fully tax deductible.
How it works
If you’ve never used Billhop before, you need to create an online account on the Billhop website here.
Once you are signed up, you can pay almost any bill using any credit or charge card.
I explained the whole process of signing up and transferring money in this article.
In the example I transferred money into Rob’s account as neither one of us had any bills to pay at that time. Billhop has, however, changed its rules when it comes to paying a private person. You can now only send money to an individual if there is an invoice provided for a service rendered – so it would be OK if I was teaching his kids German and sent him a bill afterwards.
Exclusive HfP offer
For a short period Billhop is offering Head for Points readers a discount on their transaction fee. Instead of 2.95% you will only pay 2.25%.
This offer is for both existing and new customers. We didn’t want anyone who signed up after our earlier article to lose out.
Existing customers can enter the promo code H4P2017 under ‘Settings’ whilst new customers can enter the same promo code in the registration process under the ‘How did you find out about Billhop’ section.
This offer is valid until 14th January 2018.
You can sign up for Billhop, and find out more about how they operate, on their website here.
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Want to earn more points from credit cards? – July 2025 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.
SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.
American Express Preferred Rewards Gold Credit Card
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
British Airways American Express Premium Plus Card
30,000 Avios and the famous annual Companion Voucher voucher Read our full review
The Platinum Card from American Express
50,000 bonus points and great travel benefits – for a large fee Read our full review
Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
The American Express Business Platinum Card
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
The American Express Business Gold Card
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
Capital on Tap Visa
NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review
British Airways American Express Accelerating Business Card
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
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