Which energy suppliers let you pay your bill with an American Express card?
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Gas and electricity is a substantial monthly outlay for most people, but it is rare that you find a way of putting the cost of gas and electricity onto an American Express card.
This is unfortunate, as it would make a major dint into the spend you need to trigger a sign-up bonus or your annual British Airways American Express 2-4-1 companion voucher.
There IS a way to pay via credit card, however, and it works with many of the newer suppliers. You are unlikely to get very far with any of the legacy utility companies, unfortunately.

How to pay your energy bill with an American Express card
Whilst most energy suppliers will prefer to set up a monthly or quarterly direct debit to keep costs down, many will let you top up your account at any time.
This can often be done using an American Express (or other credit) card.
Doing a top-up does NOT mean that your next Direct Debit payment is not taken. Energy companies will try to charge you a flat monthly figure throughout the year even though your usage is higher in Winter. This means you build up a balance during the Summer and it unwinds during the Winter. Making a top up payment simply increases this balance.
Some suppliers do, however, let you reduce your monthly direct debit, although it may depend on how much of a buffer you have in your account.
Your money should be safe if you do top up. Whilst a lot of small energy companies have gone bust recently, Ofgem has a system in place to ensure whoever takes over your account honours outstanding credit balances. If this failed – which seems unlikely – you would still have protection via your payment card.

Using American Express with Octopus Energy
Back in 2021, when we last ran this article, a number of suppliers allowed you to top up your account using a credit card. Unfortunately the recent energy crisis has wiped out virtually all of these start-ups, leaving just one major supplier, Octopus, accepting payment cards such as American Express.
One added benefit with Octopus is that its standing charges are 4% lower than the Energy Price Guarantee which most other suppliers are charging.
Octopus has proven itself a reliable supplier and is now the UK’s fifth largest, having absorbed other companies such as Bulb Energy and Avro Energy. I’ve been using Octopus for over four years now and have always been extremely satisfied with their service and price.
(If you are an ex-Bulb customer, you can still top up your balance with an American Express card via the Bulb website. I’m not sure about Avro Energy.)
To top-up your account, click on ‘Make a one-off payment’ in your account:

Once done you are taken to a payment page. Amex is accepted.
You can reduce your direct debit to as low as £1 per month in your online account to avoid overpaying.
Octopus supplies 100% renewable electricity and also offers a £50 refer a friend sign-up bonus when you sign up via my link.
You can also sign up via the Virgin Red app, which offers you 7,400 Virgin Points for a dual fuel switch and 3,700 Virgin Points for a single fuel. If you are not a Virgin Red member, you will need to register – free – here.
This works for other providers too
According to recent comments on HfP, a number of other energy suppliers let you pay via American Express. No-one on the HfP team has any experience of these suppliers, however.
These include:
- Outfox the Market
- geuk
Please post any other options in the comments.
These are smaller players in the energy market but, as mentioned above, you should be protected in case the company goes bust by both Ofegem and your payment card under Section 75 coverage.
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Want to earn more points from credit cards? – February 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 February 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.

American Express Preferred Rewards Gold
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
30,000 Avios and the famous annual 2-4-1 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:

American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold
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 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback when you spend at least £2,000 per month.

Barclaycard Select Cashback Business Credit Card
Get 1% cashback when you spend at least £2,000 per month* Read our full review
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