Using a credit card to pay a mortgage

To pay your mortgage with your credit card, look into third-party bill pay.

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When it comes to paying your mortgage, using a credit card can sound like a good option.

With big mortgage payments, for example, you could collect a lot of rewards points. And instead of having to spend money on your mortgage immediately, you could instead shell out the dough when your card bill arrives.

Unfortunately, most mortgage servicers don’t allow credit card payments. Furthermore, you’ll usually have to pay processing fees if you use your card.

But you do have a way to get around any restrictions: using a third-party bill pay service.

How to pay your mortgage with a credit card

To pay your mortgage with your credit card, consider two third-party bill pay services: Tio and Amex Bluebird.


Through Tio (formerly ChargeSmart), you can pay your mortgage with a few dozen servicers. Wells Fargo, Quicken Loans, Sallie Mae, Farmers Insurance, Bank of America Home Loans and Chase Home Finance are just a few options.

To pay by credit card, through, Tio charges a processing fee equal to about 2.8% of your transaction.

American Express Bluebird

Amex Bluebird is a checking alternative through which you can pay your bills. Unfortunately, it’s not the most convenient option if you want to pay your mortgage with plastic.

The key reason is because you can’t load your Bluebird account directly with a credit card — instead, you’re limited to options like your checking account, savings account and debit card.

You can add money to Bluebird through credit card, albeit indirectly. A common method is to use plastic to purchase pin-activated Visa gift cards that work like debit cards. They cost around $5 apiece, and you can use them to load your Bluebird account and subsequently pay your mortgage.

Though you’ll have to pay for the Visa gift cards, you won’t have to pay anything to open a Bluebird account online. Paying bills through Bluebird is free too.

Compare credit cards

Updated January 26th, 2020
Name Product Filter values Rewards Purchase APR Annual fee
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 14.99% to 24.99% variable)
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
CardMatch™ from
See terms
See issuer's website
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Capital One® VentureOne® Rewards Credit Card
1.25x miles on all purchases and 10x miles at
0% intro for the first 12 months (then 13.49%, 19.49% or 23.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Simplicity® Card
0% intro for the first 12 months (then 16.24% to 26.24% variable)
Enjoy one of the longest intro APRs on balance transfers, no late fees, no penalty rate and no annual fee.

Compare up to 4 providers

Why you should — and shouldn’t — use a credit card to pay your mortgage

If you’re able to use your credit card to pay your mortgage, you might pay processing fees of 2% to 3%. And such high fees could erase any rewards you’ll earn from credit card rewards.

That said, you’ll find situations where using your card could save you money or time.

Consider paying your mortgage with a credit card if you want to:

  • Reach a minimum spend for a signup bonus.
    Signup bonuses typically require spending a few thousand dollars. You can reach yours more easily by paying your mortgage with your credit card. Just make sure that processing fees don’t erase what you’d gain from your bonus.
  • Defer your mortgage payment.
    You can take advantage of your credit card’s grace period, during which your balance won’t accrue interest. Instead, you can use the funds for something else before your card bill is due.

Which credit card is the best for rewards?

There’s no “best” credit card — but that’s part of the fun. It means you can compare the pros and cons of many cards to find the best one for you. To get started, take a look at our list of 2020’s best credit cards.

Consider not paying your mortgage with a credit card if:

  • You’re having trouble making your mortgage payments.
    Putting mortgage payments on your card can lead to a mountain of debt due to snowballing interest. If you’re in a financial difficulty, your mortgage servicer may be willing to work with you to avoid foreclosure.
  • You just want a convenient payment option.
    Instead of paying a processing fee to use your credit card, pay your mortgage for free through your bank account. Many mortgage servicers even offer autopay.

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