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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.

Our pick to offset fees of paying rent with cash back: American Express Cash Magnet™ Card

  • Earn up to $250 back. Here’s how: Earn a $150 statement credit 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 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
  • Unlimited 1.5% cash back on your purchases.
  • Cash back is received in the form of reward dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • With Plan ItSM, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
  • Over 1.5 million more places in the US started accepting American Express® Cards in 2017.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
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Compare cash back credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$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
$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
$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. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

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.

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.
  • Your credit card offers rewards that outweigh your fees. If the rewards you earn from using your credit card to pay rent are greater than the fee charged by your landlord, then this could be a good option for you.

Find your ideal rewards credit card

See our recommendation in two clicks.


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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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

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29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
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variable

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