Can you pay rent with a credit card? Absolutely – and it’s becoming more common than you might think.
With the rise of digital payment platforms and flexible billing systems, many renters are exploring this option to earn rewards, manage cash flow, or just make ends meet.
But before you swipe your card for rent, it’s worth taking a closer look. There are some major benefits – and some real risks.
In this guide from Available Cards, we’ll walk you through how it works, when it’s worth it, and what to watch out for.
Can You Pay Rent With a Credit Card?
Yes, in many cases you can. Some landlords accept credit cards directly through a payment portal, while others don’t – but that doesn’t mean you’re out of options.
Several third-party services allow you to pay rent with a credit card even if your landlord only accepts checks or bank transfers. Platforms like Plastiq, PlacePay, or RentTrack work as intermediaries, processing your card and then sending a check or bank deposit to your landlord.
However, these services typically charge a processing fee, usually between 2% and 3% of your rent amount. That may not sound like much, but it adds up fast – especially on high monthly rent.
Some apps like PayPal or Venmo can also work for rent payments if your landlord is set up to receive them, though they come with similar fees for credit card use.
And then there’s Bilt – a credit card designed specifically to let you pay rent with no fees, even if your landlord doesn’t accept credit cards. It’s a rare case, but definitely worth considering if you’re a renter who wants to earn points.
How It Works – Paying Rent With a Credit Card in Practice
Here’s how the process usually unfolds:
If your landlord allows card payments, you’ll enter your credit card information into their payment portal. Simple as that. The charge goes through like any other transaction, and you get a confirmation of payment.
If your landlord doesn’t take cards, you’ll use a service like Plastiq. You provide your rent details, enter your credit card, and the service sends the payment on your behalf (usually via ACH transfer or a physical check). This method can take a few days to process, so plan ahead.
One key warning: some credit card issuers may classify rent payments through certain services as a cash advance. That means higher fees and immediate interest – not what you want. Always check the card’s terms and the platform’s reputation before using it.
Pros of Paying Rent With a Credit Card
So why would anyone choose to pay rent with a credit card, especially with added fees? Let’s look at some of the upsides.
Short-Term Flexibility
When cash is tight, putting rent on a credit card can buy you a few extra weeks to pay it off. It’s not ideal as a habit, but it can bridge a gap in an emergency.
Earn Rewards and Points
This is the most common reason people do it. If your card offers 2% cash back and the rent fee is 2.5%, you’re almost breaking even – and if you’re using a no-fee setup like Bilt, you’re coming out ahead.
Hit Spending Bonuses
Trying to reach a spending threshold for a new card bonus? A $1,000+ rent payment might help you get there fast. Just make sure you’re not spending beyond your means just to earn rewards.
Cons of Paying Rent With a Credit Card
Of course, there’s a flip side – and it’s not small.
High Processing Fees
Third-party services usually charge between 2% and 3% per transaction. On a $1,500 rent, that’s $30–$45 every month. Over a year, that’s hundreds of dollars down the drain.
Interest Charges If You Don’t Pay in Full
If you can’t pay your credit card balance in full, interest will kick in – often at rates above 20%. That makes rent dramatically more expensive over time.
Possible Credit Score Impact
Using a large portion of your available credit to pay rent can increase your credit utilization ratio. That’s a key factor in your credit score, and if it stays high, your score could take a hit.
When It Might Be Worth Paying Rent With a Credit Card
So when does it actually make sense? Here are some scenarios where the benefits might outweigh the downsides:
- You can pay your balance in full every month. That way, you avoid interest and get the convenience and perks without the costs.
- You’re using a card like Bilt. This is one of the few options that lets you earn rewards on rent with no processing fees.
- You’re chasing a sign-up bonus. If you’re a few hundred dollars away from unlocking a welcome offer, a rent payment might tip the scale.
- You’re in a temporary cash crunch. As long as you have a plan to pay it off soon, this can help smooth out a rough month without relying on riskier options like payday loans.
The key is to run the numbers and know what you’re getting into. Tools like the Available Cards comparison engine can help you evaluate cards with strong rewards, low fees, and favorable terms for these types of payments.
Alternatives to Paying Rent With a Credit Card
If the fees or risks make you nervous, there are still plenty of ways to pay your rent responsibly:
- ACH or bank transfers: Often free and direct. Many landlords prefer this method.
- Checks or money orders: A bit old-school, but still widely accepted.
- Debit cards or apps: If your landlord accepts PayPal, Venmo, or Zelle linked to a bank account, you might avoid fees.
- Negotiate with your landlord: In some situations, landlords may accept a payment plan or one-time arrangement during tough times.
Before turning to your credit card, explore these options first – especially if you’re tight on funds.
FAQs – Frequently Asked Questions
Can you pay rent with a credit card and not pay a fee?
Only in select cases. The Bilt Mastercard is a notable exception that allows fee-free rent payments.
Will paying rent with a credit card hurt my credit score?
It could if it increases your credit utilization or leads to missed payments. Paying on time helps your score.
Is rent considered a cash advance?
Sometimes. Some cards treat rent paid via third-party services as a cash advance. Always check with your issuer.
Do all landlords accept credit cards?
No. Many don’t. But third-party platforms can help you pay with a card even if your landlord doesn’t accept them directly.
Can you earn rewards by paying rent with a credit card?
Yes – but only if your card allows it and you’re not losing more money on fees than you’re earning in rewards.
Final Thoughts – Should You Use a Credit Card to Pay Rent?
Paying rent with a credit card can be a smart move in the right situation – or a costly mistake if done without planning. If you’re using it to rack up points, unlock a sign-up bonus, or get a little extra flexibility, it might be worth the fee.
But if you’re rolling over the balance or relying on it month after month, that’s a sign it’s time to revisit your budget.
With tools like Available Cards, you can compare credit cards that support rent payments, check reward structures, and see what makes the most sense for your goals. Before you swipe for next month’s rent, make sure the math – and the strategy – add up.