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Credit card to pay rent

Using a credit card to pay rent

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It’s that time again — your rent payment is due. But this feels like the millionth check you’ve had to write. Is there any way to pay rent with a credit card instead?

The answer is yes. And paying by card can be much more convenient than sending a check to your landlord. However, it’ll probably come with extra fees.

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You can use a credit card — but it could cost you

Paying rent by check has one big advantage. Yes, you might have to walk it over to your building’s office or mail it to your landlord, but you won’t have to pay any big fees.

Using a credit card to pay rent will cost you extra. If your landlord accepts credit cards, banks typically charge them a 2% to 3% fee for each transaction, which they’ll likely pass on to you.

So if your rent is $1,000 and you pay with a credit card, you could pay a fee of $30.

How to pay rent with a credit card

First, ask your landlord if they accept credit cards for rent payments. Most landlords won’t let you pay rent with plastic — they’ll insist on checks or direct deposits. If you’re lucky, they’ll take cards without adding a surcharge.

If your landlord doesn’t take credit cards, you still have options. You can use your credit card with an online rent-pay service, which collects your payment and mails a check to your landlord on your behalf.

Though your credit card payment to the rent-pay service is instant, it generally takes two to seven days for your landlord to receive the actual check.

Here are a few popular rent-pay services out there.

ServiceCredit card feeCredit cards accepted
Plastiq2.5%Mastercard, Discover, Amex
Radpad2.99%Visa, Mastercard, Discover, Amex
Rentshare2.99%Visa, Mastercard, Discover, Amex
RentMoola2.99%Visa, Mastercard, Amex
TIOVaries — typically around 2.8%Visa, Mastercard, Discover
Venmo3%Visa, Mastercard, Discover, American Express

How to pay your landlord through a rent-pay service

  1. Sign up for an account on the rent-pay service of your choice.
  2. Initiate a new payment.
  3. Add your landlord’s name and address.
  4. Add your payment info and submit your payment.

Compare credit cards to pay your rent with

Updated October 20th, 2018
Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
95
0%
1
Unsecured
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
0%
1
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
550
1
Unsecured
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
680
0%
1.5
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
720
0%
Unsecured
$0
13.99% variable
0% for the first 15 months (then to variable)
A low, variable APR on purchases, balance transfers and cash advances.
680
1
Unsecured
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
680
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
680
95
2
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
680
95
3
Unsecured
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
680
3
Unsecured
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
715
495
0%
1
Unsecured
$495
16.99% variable
0% for the first 15 billing cycles (then to variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
195
0%
1
Unsecured
$195
16.99% variable
0% for the first 15 billing cycles (then to variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
715
995
0%
2
Unsecured
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
620
39
Unsecured
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
620
99
Unsecured
$75 annual fee for the first year ($99 thereafter)
23.9% variable
With this card you get a 23.9% Variable APR.
300
48
0%
Unsecured
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
300
Unsecured
Up to
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Earn more cash back for the things you buy most.
720
95
1
Unsecured
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
720
450
1
Unsecured
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
690
0%
1.5
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
680
95
1.5
Unsecured
$95
17.74% to 24.74% variable
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
690
0%
1.5
Unsecured
$0
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day
690
0%
1
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
680
1.5
Unsecured
$0
16.99% to 24.99% variable
for the first 12 months (then 16.99% to 24.99% variable)
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
680
0%
Unsecured
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
750
95
2
Unsecured
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable

Compare up to 4 providers

Why you should — and shouldn’t — pay rent with a credit card

For most people, paying rent with a credit card is a losing proposition. Weigh the pros and cons to decide for yourself.

Consider paying rent via credit card if:

  • You’re trying to meet your credit card’s minimum spend for a signup bonus. Many signup bonuses require you to spend a minimum of thousands of dollars. Since rent is a significant expense that you have to pay anyway, using a card can get you closer to meeting that minimum. Just make sure that your card’s fees don’t eat up what you’ll earn in cash back, points or miles.
  • It’s extremely inconvenient to pay with methods currently available. Maybe your landlord accepts mailed checks only, and the closest post office is several miles away. Or you’re traveling abroad. Paying your rent with a credit card might make sense if it’s much more convenient — even if you have to pay a fee.

Avoid paying rent via credit card if …

  • You’re just trying to kick the can down the road. You can defer your rent payment by putting it on your credit card. But next month, the same payment will be due like clockwork. If you’re having trouble paying your rent, contact your landlord: They may be willing to work with you to make rent payments more manageable.
  • It’s not much more convenient than paying through existing methods. On a rent payment of a few hundred or thousand dollars, a 3% fee can hurt making regularly payments by credit card an expensive option.
  • You’re keeping an eye on your credit score. Putting a big charge on your credit card will raise your credit utilization ratio, which could put a dent in your credit score. If you’re looking to open a line of credit soon — such as a mortgage, car loan or another credit card — it may be wise to avoid taking on more debt right now.
  • You’ll have trouble keeping up with credit card payments. It’s rarely a good idea to rack up a lot of debt on your credit card without paying it off quickly. If you plan on paying only the minimum toward your balance each month, consider passing on a credit card rent payment. You stand to quickly accumulate interest that will balloon your debt.

Using a credit card to pay taxes

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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