How to change your card on file for Microsoft 365

Last reviewed September 14, 2026

Microsoft 365 renews monthly or yearly — make sure your best card is on file. You keep every card you carry — this just makes sure Microsoft 365 renews on the one that earns the most.

Where to update it

In your Microsoft 365 account: account.microsoft.com → Services & subscriptions → Payment.

Step by step

Sign in at account.microsoft.com.
Open “Services & subscriptions” and find Microsoft 365.
Choose “Manage” → “Change how you pay”.
Add the card Pikt recommends and save.

Make your recurring payments count.

Create your Pikt account to personalize recommendations to the cards you carry and the reward preferences you set. In Subscriptions, compare those cards for recurring bills before you change a card on file. Pikt Checkout brings the same estimate to online checkout and names the card likely to earn the most. You choose the card and pay with your own card. No credit card required to sign up for beta.

Pikt credit card rewards

Your best card before you pay online.

Pikt estimates which card in your wallet is likely to earn the most. Issuers decide. You choose the card and pay as usual.