How to Pay Rent With a Credit Card – Best No-Fee Options
Yes, you can pay rent with a credit card — and in 2025, you can do it without fees! Here’s how.
Many renters wonder whether it’s possible to pay rent using a credit card. While the answer is yes, most services charge a 2–3% fee — unless you’re using the right card or platform.This guide reveals how to pay rent with your credit card — and more importantly, how to avoid fees while doing so in 2025.
Why Pay Rent With a Credit Card?
- 🏆 Earn points, miles, or cashback on your biggest monthly expense
- 🕒 Enjoy payment flexibility or float during tight months
- 💳 Build credit history with consistent on-time payments
Now, let’s dive into the best no-fee credit card options that let you pay rent in 2025.5 Best No-Fee Credit Cards for Paying Rent
Bilt Mastercard®
Best for: Paying rent with no fees + earning points
- ✔️ No annual fee
- ✔️ Pay rent directly through the Bilt app — no fee
- ✔️ Earn points on rent and everyday purchases
- ✔️ Transfer points to travel partners
Chase Freedom Unlimited®
Best for: High flat-rate cashback + PayPal rent payments
- ✔️ 1.5% cashback on all purchases
- ✔️ No annual fee
- ✔️ Can be used with services like Plastiq (fee may apply)
Wells Fargo Active Cash® Card
Best for: Flat 2% cashback on rent payments
- ✔️ 2% unlimited cashback on purchases
- ✔️ No annual fee
- ✔️ Useful for rent payments through third-party platforms
Blue Cash Everyday® Card from American Express
Best for: Everyday savings and flexible reward usage
- ✔️ No annual fee
- ✔️ 3% cashback on groceries, gas, and online retail
- ✔️ Can pair with rent-payment services
PayPal Cashback Mastercard®
Best for: 2% cashback when paying rent via PayPal
- ✔️ No annual fee
- ✔️ 2% cashback on all purchases
- ✔️ Compatible with landlords accepting PayPal
Tips for Paying Rent With a Credit Card
- 👉 Check with your landlord if they accept cards or PayPal
- 👉 Use services like Plastiq or RentRedi if direct card payments aren’t accepted
- 👉 Always pay your credit card in full to avoid interest
- 👉 Watch for transaction fees and compare rewards to cost
Frequently Asked Questions
Is it legal to pay rent with a credit card?
Yes, but it depends on your landlord. Some accept credit card payments directly, while others require third-party services.
Does paying rent with a credit card hurt your credit score?
Not if you pay on time. In fact, consistent on-time payments can help improve your credit score.
How can I avoid fees when paying rent by card?
Use a rent-specific card like Bilt Mastercard® or take advantage of promotions through PayPal or Plastiq.
Are rent payments eligible for rewards or points?
Yes — especially with cards that offer flat-rate cashback or partner with rent platforms.