No-Fee Credit Cards That Let You Pay Rent Easily in 2025
Yes, you can pay rent with a credit card — and with the right cards, you won’t pay a cent in fees. Here’s how to do it in 2025.
Paying rent with a credit card sounds like a dream — until you see the 2.5% processing fee. Luckily, 2025 brings better options. Several credit cards and payment platforms now let you pay rent with zero fees, while still earning cashback or rewards. Let’s dive in.
Why Use a Credit Card for Rent?
- 💰 Earn rewards or cashback on rent
- 📈 Improve your credit score through regular payments
- 🕐 Delay payment with 0% APR offers or float during tight months
- 🎁 Access signup bonuses faster with large transactions
Top No-Fee Credit Cards to Pay Rent in 2025
Bilt Mastercard®
Best for: Paying rent directly with no fees
- ✔️ Pay rent with no transaction fees through Bilt app
- ✔️ Earn 1x points on rent, up to 100,000 points/year
- ✔️ Points transfer to major travel partners
- ✔️ No annual fee
Wells Fargo Active Cash® Card
Best for: Unlimited 2% cashback
- ✔️ 2% cashback on all purchases — including rent via Plastiq
- ✔️ No annual fee
- ✔️ Intro 0% APR for 15 months on purchases
Chase Freedom Unlimited®
Best for: Flat-rate rewards & flexibility
- ✔️ Earn 1.5% cashback on all purchases
- ✔️ Combine points with Sapphire cards for travel
- ✔️ No annual fee
PayPal Cashback Mastercard®
Best for: Rent payments via PayPal
- ✔️ 2% cashback on everything when paid through PayPal
- ✔️ Works with landlords who accept PayPal
- ✔️ No annual fee
Blue Cash Everyday® Card from American Express
Best for: Cashback plus Amex perks
- ✔️ No annual fee
- ✔️ 3% cashback on groceries, gas, and online retail
- ✔️ May work with rent services like RentTrack
Venmo Credit Card
Best for: Paying rent through Venmo split or business accounts
- ✔️ 3% cashback in top spend category
- ✔️ Use with landlords who accept Venmo
- ✔️ No annual fee
How to Avoid Rent Payment Fees
- ✅ Use cards like Bilt Mastercard that directly support rent payments
- ✅ Pay via platforms like Plastiq, RentRedi, or PayPal
- ✅ Avoid cards that treat rent as a cash advance
- ✅ Always compare rewards vs any possible fees
Frequently Asked Questions
Can I really pay rent with a credit card without fees?
Yes. Cards like Bilt Mastercard allow you to pay rent directly without fees, while other cards work with third-party apps that sometimes waive fees during promotions.
Will using a credit card for rent hurt my credit?
Not if managed responsibly. In fact, it can improve your score by increasing your credit mix and payment history.
Is rent considered a cash advance?
It depends on the platform. Always check the terms — using the right services will ensure it’s treated as a normal purchase.
Can I earn rewards when paying rent?
Absolutely! Cards like Bilt, Wells Fargo Active Cash, or PayPal Mastercard let you earn cashback or points even on rent.