5 Credit Cards That Let You Pay Rent Without Fees in 2025
5 Credit Cards That Let You Pay Rent Without Fees in 2025
💸 Tired of extra charges when using your credit card to pay rent? In 2025, a handful of credit cards make it easy to cover your biggest monthly expense—without the usual fees. Whether you’re looking to earn rewards, build credit, or just keep things convenient, these cards can help. Let’s dive into the best options available today!
Why Use a Credit Card to Pay Rent?
- ✅ Earn rewards or cash back
- ✅ Build your credit score
- ✅ Flexibility in monthly budgeting
- ✅ Avoid late rent fees when funds are tight
Top 5 No-Fee Rent Payment Credit Cards in 2025
1. Bilt Mastercard® – Best Overall for Rent Payments
The Bilt Mastercard is the only credit card designed specifically to let you pay rent without fees. With it, you earn points on rent payments without paying a transaction fee—even if your landlord doesn’t accept cards.
- 🏠 No fee to pay rent through the Bilt app
- 📈 Earn 1x on rent, 2x on travel, 3x on dining
- 💳 No annual fee
2. Chase Sapphire Preferred® Card – Travel Rewards + Rent
While not rent-specific, pairing Chase Sapphire with third-party rent services like Plastiq (with fee waivers or offers) makes it powerful. Plus, the rewards on travel and dining are excellent.
- 🌍 2x points on travel & dining
- 💵 Point transfer to travel partners
- 💼 Potential to offset fees via rewards
3. American Express Blue Cash Preferred® – For Everyday Spending + Rent
With 6% cash back on groceries and streaming, this card helps offset rent payment fees when used with rent platforms offering discounts or promotions.
- 🛒 6% at U.S. supermarkets (up to $6,000/year)
- 🎬 6% on select streaming services
- 💸 Use rewards to cover rent expenses indirectly
4. Citi® Double Cash Card – Simple Cash Back Option
If you want straightforward 2% cash back (1% when you buy, 1% when you pay), Citi Double Cash is a solid choice. Combine it with a rent payment app offering free transfers and you’re set.
- 💵 2% cash back on all purchases
- 📱 No need to track categories
- 🧾 No annual fee
5. Venmo Credit Card – Pay Rent via App with Flexibility
Use Venmo’s rent split features or pay landlords directly who accept Venmo. With the Venmo Credit Card, you earn up to 3% on your top spending category.
- 📲 Seamless rent split or P2P payments
- 🎯 Up to 3% cash back in select categories
- 🏦 Backed by Synchrony Bank
How to Pay Rent with a Credit Card in 2025
Most landlords don’t accept credit cards directly. But platforms like Bilt, Plastiq, Venmo, and PayPal make it possible. Choose the right card and platform combo, and you could earn points while skipping the fees.
Tips to Avoid Rent Payment Fees
- 🏷️ Use platforms offering promo codes or fee-free trials
- 🎁 Redeem points or cash back toward rent
- 📅 Set up auto-pay to never miss a due date
- 🔍 Read the fine print to avoid hidden processing fees
Related Resource
👨💻 Explore our guide: Credit Cards For Freelancers – Get the most out of your cards whether you’re renting or running your own business.
FAQs – Paying Rent with a Credit Card
Is it smart to pay rent with a credit card?
It can be! If you use a no-fee card like Bilt or earn rewards that offset fees, paying rent with a card can actually be a smart financial move.
Will it hurt my credit score?
Not if you’re responsible. In fact, regular on-time payments can boost your credit score. Just avoid maxing out your limit.
Are there hidden fees?
Some platforms charge up to 2.9%—always read the terms. But with the cards listed above, there are ways to avoid or reduce these fees completely.
Final Thoughts
Rent is one of your biggest monthly bills—why not get rewarded for it? With these 5 credit cards, you can pay rent without fees in 2025, build credit, and rack up points along the way. Just be sure to use them wisely and never carry a balance long-term.