If you choose to pay in full in advance in January, you can pay with a credit card and get reward points. If you choose to "pay as you go" each month, you must pay by direct debit from a US bank account. If you sign up to pay monthly, at any time during the year you can pay all or part of the balance with a credit card. That can be helpful if you have a lot of other bills due in January but want to get credit card reward points for at least some part of the annual fees.