Top 5 Credit Cards That Allow Rent Payments Without Extra Charges
Top 5 Credit Cards That Allow Rent Payments Without Extra Charges
💳 Want to pay your rent with a credit card but hate those annoying extra fees? In 2025, several top credit cards make this possible—offering points, flexibility, and most importantly, no transaction fees when used the right way. Whether you’re a freelancer, renter, or digital nomad, this list is your rent-hacking cheat sheet.
Why Pay Rent With a Credit Card?
- 🏆 Earn rewards or cash back on your biggest monthly expense
- 📈 Improve your credit score with on-time payments
- 💸 Get short-term cash flow relief
- 🧾 Keep all bills centralized on one statement
The Best 5 Credit Cards That Let You Pay Rent Without Extra Charges in 2025
1. Bilt Mastercard® – No-Fee Rent Payments, Every Month
The Bilt Mastercard is purpose-built for rent payments. You can pay rent via the Bilt app—even if your landlord doesn’t accept credit cards—and you’ll pay zero fees.
- 🏠 Pay rent with no transaction fees
- 🎁 Earn points: 1x on rent, 2x on travel, 3x on dining
- 💳 $0 annual fee
2. Chase Sapphire Preferred® Card – Maximize Travel Rewards
With third-party rent payment platforms like Plastiq, Chase Sapphire Preferred becomes a powerhouse—especially if you can find promo offers that waive the usual fee.
- 🌍 2x points on travel and dining
- ✈️ Premium travel insurance and protection
- 💰 Transfer points to airline/hotel partners
3. American Express Blue Cash Preferred® – Offset Fees With High Cash Back
While this card doesn’t eliminate rent fees directly, you can stack serious cash back from groceries and streaming to balance it out—especially when paired with discount offers from rent platforms.
- 🛍️ 6% cash back at U.S. supermarkets
- 🎬 6% on select streaming services
- 🚗 3% on transit and gas
4. Citi® Double Cash Card – Straightforward 2% Cash Back
Get 1% when you buy and 1% when you pay. It’s one of the simplest ways to earn on every dollar—great for rent payments made via trusted services offering waived processing fees.
- 💵 2% total cash back on all purchases
- 💳 No annual fee
- 🔄 Flexible payment options
5. Venmo Credit Card – For Digital Rent Payments
If your landlord accepts Venmo—or you split rent with roommates—this card earns solid rewards based on your top spending category each month.
- 📱 3% cash back in your top spend category
- 💳 Integrated directly with your Venmo account
- 🎯 No annual fee
How to Pay Rent With a Credit Card Without Fees
Using a rent-friendly card like Bilt, or platforms that temporarily waive fees (like Plastiq promotions), lets you avoid charges. Some landlords accept Venmo or PayPal—great for cards like the Venmo Credit Card.
Tips to Make the Most of Rent Rewards
- 🎁 Stack rewards from groceries or dining to offset rent
- 🧠 Pay your balance in full to avoid interest
- 🔍 Look for sign-up bonuses that cover several rent cycles
Related Reading
💼 Also check out: Credit Cards For Freelancers — the best cards for independent earners and flexible spenders.
FAQs – Rent Payments With Credit Cards
Can I always avoid fees when paying rent with a credit card?
Not always, but cards like Bilt and occasional platform promotions make it possible. Some landlords also accept direct payments via Venmo or PayPal with no extra charge.
Is it worth using a credit card for rent?
If you can avoid fees and pay off your balance monthly, it’s absolutely worth it for the rewards and credit building potential.
Does rent payment affect my credit score?
Paying rent with a credit card can help boost your credit—if you pay on time and don’t let your utilization get too high.
Conclusion
Paying rent with a credit card no longer has to mean throwing money away on fees. With the right strategy—and one of these top cards—you can turn your rent into rewards, perks, and even better credit. Use this guide to choose the best rent-friendly credit card for 2025!