How to change your card on file for Substack

Last reviewed September 14, 2026

Paid Substack newsletters renew monthly or yearly, and they all charge the card saved on your Substack account. You keep every card you carry — this just makes sure Substack renews on the one that earns the most.

Where to update it

In your Substack account: Settings → Payments → Payment method.

Step by step

Sign in at substack.com and open Settings.
Choose Payments.
Select Update payment method.
Add the card Pikt names. Every paid newsletter will use it.

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.