Using a credit card to pay rent
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.

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 August 15th, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
12.74%, 16.74% or 20.74% variable
0% for the first 18 months from account opening (then 12.74%, 16.74% or 20.74% variable)
$0
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
0% for the first 15 billing cycles (then 16.74% variable)
$995
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.
24.74% variable
$39
Designed to help build credit history with no deposit required and access to benefits.
23.9% variable
$75 annual fee for the first year ($99 thereafter)
With this card you get a 23.9% Variable APR.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
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®.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 Months of opening your account
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
17.74% to 24.74% variable
$95
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.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

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.

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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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