Divide a payment across multiple cards
Enter the total payment amount
Choose a split mode (Equal or Custom)
Add cards and enter names (up to 10)
Click Calculate to see the amount per card
Split payment means dividing a single transaction across multiple cards. It is used when a single card is near its limit or to maximize rewards from several cards simultaneously.
Equal Split divides the total evenly across all cards, adding any remainder to the last card. Custom lets you manually set the amount for each card.
You can add between 2 and 10 cards. Add or remove cards to match your needs.
In Equal Split mode, any remainder from dividing the total by the number of cards is automatically added to the last card so the amounts sum exactly to the total.
Learn methods, tips, and precautions for split card payments.
Split payment is useful when a single card limit is insufficient, when you want to earn rewards or cashback from multiple cards at once, or when combining a corporate card with a personal card. It is especially common for large purchases like appliances, travel packages, and medical bills.
Not all merchants accept split payments. Always confirm with the merchant before paying. Some card issuers limit the number of cards allowed per transaction, and certain cards may not apply rewards or discounts when used in a split payment.
Split payment lets you maximize the benefits of each card. For example, combine a dining cashback card with a shopping points card, or pair a low-fee card with a high-reward card to increase your effective discount rate. Use this calculator to plan the amounts in advance and enter them in order at checkout.