For most Americans, your utility bill will usually charge a convenience fee when paid by a credit card.

The reason is quite simple. Credit card companies and third-party payment processors charge fees for utility transactions. So in order to recuperate that cost in an equitable manner, utility companies charge a convenience fee.

If credit card companies stopped charging fees, this issue would cease to exist. But asking credit card companies to not charge fees, would be like asking for the world to become completely sustainable by tomorrow – it simply couldn’t happen.

For those of you that are thinking, “well convenience fees aren’t showing up on my bill, so I’m in the clear,” you might want to think twice. Many utilities build the convenience fees into the rates you end up paying for electricity. So if you’ve ever wondered why your bill is a tad high, chances are it’s because it includes the convenience fee from when you paid with your credit card.

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At times, credit card companies will take advantage of situations like these by offering different credit cards with higher cash back bonuses and more rewards – as a way to sell you the benefit of using your credit card to pay off your utilities. The only problem with this though, is that sometimes the accumulated convenience fees end up costing more than the cash back or points earned from that transaction.

If you feel a bit angry at the thought of having to pay a convenience fee, we’ve got a solution for you. Most Americans use credit cards and debit cards to pay off their utilities. According to a 2017 J.D. Power study, electronic bill-pay increased, as mail payments were reduced by 3 percent: overall. Mail payments went from 20 percent in 2016 to 17 percent in 2017.

This shouldn’t come as a surprise, because we live in a digital age. Nonetheless, consumers like you shouldn’t have to continue to carry the burden of convenience fees. This brings us to the benefits of Arcadia.

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Why you should already use Arcadia to pay your utilities.

Do you want to stop paying transaction fees and actually earn the full rewards that come from using your credit card?

Who doesn’t like to save? So once you’re done reading this article, be sure to sign up for Bill Pay with Arcadia.

Arcadia offers Bill Pay to help you avoid convenience fees. Additionally, by connecting your local utility account to our clean energy and savings program, you can ensure that your energy usage supports renewable energy products. You’ll also earn monthly savings on your electricity bill.

Do yourself a favor: check out Arcadia. No longer should you sacrifice your cash back rewards for a fee that should’ve never been yours in the first place.