The Pros and Cons of Using Credit Cards for Money Orders

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Understanding Money Orders: A Comprehensive Guide

Understanding Money Orders: A Comprehensive Guide

At O1ne Mortgage, we prioritize consumer credit and finance education. This guide will help you understand money orders, where to buy them, and the best payment methods. For any mortgage service needs, call us at 213-732-3074.

What Is a Money Order?

A money order is a secure form of payment similar to a paper check but not linked to your checking account. It is often used by individuals without a checking account, those sending money overseas, or anyone who prefers not to share their banking information. Unlike personal checks, money orders do not contain information that could lead to identity theft.

Since money orders are prepaid, the recipient is assured of the payment, unlike personal checks that might bounce. Cashing a money order usually requires identification, adding an extra layer of security.

Where Can You Buy a Money Order?

Money orders can be purchased at various locations:

  • U.S. post office branches, including military post offices
  • Banks and credit unions
  • Retail locations such as Walmart, supermarkets, convenience stores, and drugstores
  • Check-cashing stores

Before buying a money order, check the following:

  • Required identification
  • Accepted forms of payment
  • Amount limitations
  • Fees, which typically range from $1 to $5

Note that not all locations handle international money orders, so verify this if you need to send money abroad.

Can You Pay for a Money Order With a Credit Card?

Generally, you cannot use a credit card to buy a money order. Most places accept only cash or debit cards. While some locations like Western Union and 7-Eleven used to accept credit cards, this is no longer the case. Personal checks are also not accepted.

If you don’t have cash, you could get a credit card cash advance to purchase a money order, but this is usually not advisable due to high fees and interest rates.

Should You Buy a Money Order With a Credit Card?

Using a credit card cash advance to buy a money order is generally not recommended for several reasons:

  • Higher annual percentage rates (APR) for cash advances compared to purchases
  • Fees for cash advances, often $10 or 5% of the advance amount
  • Potential negative impact on your credit score due to increased credit utilization
  • Immediate interest accrual on cash advances
  • Payments may be applied to purchase balances before cash advance balances, increasing interest costs

Check your credit card agreement or contact your issuer for specific terms related to cash advances.

The Bottom Line

Money orders are a secure way to make payments or transfer funds. However, there are simpler alternatives like checks, payment apps (Zelle, PayPal, Venmo), wire transfers, or online bank transfers. Using cash to buy a money order won’t affect your credit, but using a credit card might. Regularly monitor your credit report to manage potential risks.

For any mortgage service needs, contact O1ne Mortgage at 213-732-3074. We’re here to help you make the best financial decisions.



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