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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

Credit Cards
November 24, 2021

Is credit card interest tax deductible?

The IRS only allows individuals to deduct interest on business purchases made with a credit card.

In the eternal search for tax breaks, interest paid on credit cards is not a reliable place to start. Credit card interest is only deductible on business-related purchases.

But let’s review the basics, so you know how to use your cards in a tax-smart way. If you have any questions, always consult a tax professional. What we’re offering here is only an overview and not to be used as tax advice. 

It is complex to understand the world of tax deduction and many individuals do not know about the deductibility of their credit card interest. By understanding credit card deductions and taxes, you can unlock a portion of credit card interest. In this blog, you will learn about credit card deduction.

What is the interest rate on a credit card?

Credit card interest is charged if you do not pay your balance in full before the due date of a billing cycle. The unpaid portion is carried over to the next billing cycle, and on your next bill, you’ll see your credit card issuer charging you interest on the unpaid balance.

The interest rates on credit cards vary widely, and many of them have different terms and conditions. 

What is the difference between credit card interest and credit card fees? 

Your credit card's interest rate is the amount you’re charged when you don’t pay your full balance before your due date. 

Credit card fees typically refer to other charges, like annual, late, over-the-limit, and cash advance fees. These are in addition to interest charges and can be significant, varying widely between card issuers. 

Like interest charges, credit card fees only deduct business expenses paid by credit cards, not individuals. 

Is credit card interest deductible on my taxes?

Credit card interest paid on business purchases is a legitimate tax deduction. Any fees charged on a credit card specifically identified as a business account can also be deducted. 

But the same tax breaks aren’t available for personal credit cards or purchases on a business account.

Here's what you need to keep in mind 

  • Separate Business and Personal Expenses: Maintaining clear records of business and personal expenses on your business credit card statement is crucial. The IRS requires documentation to verify the business purpose of the charges for which you claim the interest deduction.
  • Reasonable Expenses: The IRS (Internal Revenue Service) also considers the reason for the business expenses you claim. For example, deducting interest on excessive travel or entertainment expenses might be challenged.

Are business credit card payments tax deductible?

Yes, business credit card interest, annual fees, and other credit card fees are generally tax deductible. So, keeping business and personal credit card expenses separate is essential. This allows management of the tax deduction process. You can identify and document the deductible business-related charges.

What interest is deductible on taxes?

Generally, credit cards are not tax-deductible for personal expenses. The Credit Card Interest Tax Deductible 1986 Act eliminated the personal interest deduction. The interest must be charged for the business activity. Business interest expenses, including credit card interest, are generally tax-deductible for businesses.

What are the tax implications of a card debt settlement?

If you cannot pay your credit card debt and decide to work with a debt counselor, be mindful that the debt cleared in a settlement might be considered taxable income. 

The IRS often sees forgiven debt as income you might owe federal income taxes.

Strategies to Minimize Credit Card Interest and Taxes

You can't deduct personal credit card interest; there are strategies to minimize its impact on your finances and potentially reduce your tax burden in other ways. Let's explore some approaches:

  • Pay Down Your Debt: This is the most effective long-term strategy. You eliminate the interest charges by paying off your credit card balance. Create a budget and prioritize debt repayment to achieve this.
  • Balance Transfer: If you have a high-interest credit card debt, consider transferring the balance to a card with a 0% introductory APR. This lowers your interest charges, allowing you to focus on paying down the principal. However, carefully check balance transfer fees and ensure you plan to pay off the debt strategically. 
  • Negotiate Lower Interest Rates: Contact your credit card issuer and inquire about a lower interest rate. This works especially if you have a good credit history.
  • Maximize Tax-Deductible Expenses: You can optimize many tax-deductible expenses to offset some of the income tax you owe potentially. Explore deductions for charitable contributions, mortgage, student loan interest (under certain circumstances), and medical expenses. Consult a tax professional to identify relevant deductions for your situation.

How Bright can help

Having high-interest credit card debt feels like a burden. You make payments, but the interest keeps adding up. Plus, unlike some other types of interest, credit card interest typically isn't tax-deductible.

Bright Credit offers a way to refinance your high-interest credit card debt with a potentially lower APR. We save your money on interest charges and help you pay off your debt faster.

Here's how Bright Credit can help:

  • Lower Interest Rates: Our APRs start at 9%, potentially saving you significant money compared to your current credit card interest rates.
  • No Hidden Fees: There are no application fees, origination fees, late fees, or prepayment fees. You only pay interest on the amount you use.
  • Flexible Payment Options: Choose a monthly minimum payment that fits your budget, and pay extra whenever you can.

Ready to eliminate the high-interest charges and start saving money?

FAQs

1. How can I determine if credit card interest is tax deductible?

If you want to know that your credit card interest is tax deductive, consult a qualified tax professional or refer to IRS guidelines. They help you to understand the relevant tax laws.

2. What documentation do I need to support credit card interest deductions?

To support credit card interest deductions on your tax return, maintain accurate records of your credit card statements, showing the interest charges incurred and the nature of the expenses financed with the card. Keep receipts or other documentation to substantiate business or investment-related expenses if claiming deductions for those purposes.

3. Can I deduct credit card interest for personal expenses?

No, credit card interest incurred for personal expenses, such as groceries, clothing, or entertainment, is generally not tax deductible. The IRS does not allow individuals to deduct interest on personal debt.

Suggested Readings

What are some Credit Card Debt hacks?

Is Credit Consolidation a Good Idea?

Reference

https://www.tnmca.com/is-business-credit-card-interest-tax-deductible/

https://claritastax.co.uk/knowledge/the-tax-deductibility-factsheet/

Pranay Chirla
Technical Content Writer

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Credit
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Credit
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[1] Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loans are made through Even Financial Corp and its network of financial partners who will determine if you are eligible for a loan independent of Bright. Deposit accounts are provided by Evolve Bank & Trust, Member FDIC. Bright is a financial technology company, not a bank. [2] The $50 deposit is used to pay any outstanding balance on the Bright Builder account first, and the amount left over after settling outstanding balance will be returned to your preferred checking account.
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