Learn how to pay your hire or mortgage with a bank card

For many people, hire or mortgage funds are amongst our highest month-to-month bills. And loads of the time, you are caught making these funds via financial institution accounts as an alternative of utilizing bank cards to earn useful journey rewards in your spending.

Nevertheless it would not should be that method. The truth is, there are various corporations in the marketplace that make it doable to make hire or mortgage funds with a bank card — and earn rewards whereas doing so. Plus, Bilt added the flexibility to earn useful Bilt Factors on mortgage funds (along with hire) in its sweeping refresh earlier this yr, providing another choice.

This is what it’s good to find out about paying for housing bills with a bank card.

Paying your hire or mortgage with out charges

It is fairly uncommon to seek out an condominium advanced or landlord keen to just accept bank card funds with out an interchange payment. Nonetheless, it is price mentioning if you go condominium searching, as a result of lease funds can lead to vital rewards.

For instance, in case your hire is $1,500 month-to-month, and also you pay with the Chase Freedom Limitless® (see charges and charges), the cardboard will earn 1.5% money again (which might be transformed to 1.5 Final Rewards factors per greenback spent, in case you pair it with an eligible card). After 12 funds (spending $18,000 on hire), you should have earned $270 in money again or 27,000 Final Rewards factors, price about $554 per TPG’s April 2026 valuations.

Nonetheless, you will seemingly be charged a processing payment on hire funds made with a bank card.

Utilizing Bilt to earn factors

You may earn useful Bilt factors on housing bills with out paying a transaction payment in case you maintain a Bilt bank card and use the Bilt program to pay your hire or mortgage.

So long as you pay with certainly one of Bilt’s three bank cards and permit Bilt to debit the hire or mortgage cost out of your financial institution through automated clearing home, you may unlock factors in your hire — all whereas avoiding any transaction charges.

There are some additional steps members must take to make sure they will earn factors on their hire or mortgage funds. And, for the reason that Bilt program was revamped early this yr, these funds now not go towards a credit score line, so they are not precisely bank card funds.

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Nonetheless, that is how I pay my month-to-month hire, since I like accumulating useful Bilt factors. Per TPG’s April 2026 valuations, Bilt factors are price 2.2 cents every.

I’ve the premium Bilt Palladium Card (see charges and charges), however the identical goes in case you carry the mid-tier Bilt Obsidian Card (see charges and charges) or no-annual-fee Bilt Blue Card (see charges and charges).

An important consideration right here is that Bilt members have to pick a pathway to earn rewards on these funds. There are two choices:

Bilt Money (as much as $100 of Bilt Money earned rolls over to the following yr): With this technique, you will earn 4% again in Bilt Money on all nonhousing purchases made together with your Bilt card. Then, you may redeem Bilt Money for numerous rewards, together with unlocking Bilt factors on housing funds at a charge of three cents per level to unlock as much as 1 level per greenback spent on Bilt housing funds every month.

For example, in case you pay $1,000 for hire every month, you may redeem as much as $30 of Bilt Money monthly to unlock as much as 1,000 Bilt factors monthly. So, you’d must spend $750 on nonhousing purchases together with your Bilt card to earn $30 in Bilt Money.

Housing-only rewards: You may nonetheless earn Bilt factors on housing, whether or not you could have one of many Bilt bank cards or not. For those who select to make your housing funds with an eligible Visa, Mastercard, American Specific or Uncover bank card, you will pay a processing payment and often earn 1 level per $2 spent (excluding hire fee charges). For those who pay hire through Bilt with a debit card or every other sort of bank card, you will earn 250 factors per month-to-month fee.

Lastly, you may pay hire via Bilt with an eligible Atmos Rewards card to earn 3 Atmos Rewards factors per greenback spent on hire*. You can too pay with an eligible United MileagePlus card to earn 2 United miles per greenback spent on hire*.

*On as much as $50,000 per yr.

Associated: Do you have to pay your hire or mortgage with Bilt? We crunch the numbers

Paying your hire with a bank card

Some third-party service suppliers will permit you to pay your hire, mortgage and virtually every other invoice with a variety of bank cards and debit playing cards. Nonetheless, you will should pay a payment.

This is a chart of two third-party fee suppliers that settle for bank cards, together with their respective charges.

Plastiq is by far the most well-liked service. It additionally runs occasional promotions that additional scale back the charges. With Venmo, you will incur a 3% payment when paying one other consumer with a bank card, however you will not pay any further charges when paying with a debit card.

That mentioned, the payment for paying your hire with a bank card through Plastiq has elevated a number of occasions over the previous few years.

Associated: Learn how to earn factors and pay decrease charges with Plastiq

Paying your mortgage with a bank card

It’s typically inconceivable to make mortgage funds with a bank card, until you wish to incur excessive charges (as with hire).

Nonetheless, Plastiq means that you can make these funds via its program in case you pay with a Diners Membership, Uncover or Mastercard card. American Specific and Visa playing cards will not be eligible.

And Plastiq sometimes rolls out promotions for brand new customers that supply decrease charges. For those who decide in for Plastiq throughout a 2%-fee promo, you may come out forward by paying your mortgage with the Citi Double Money® Card (see charges and charges).

The Citi Double Money card earns 2 ThankYou factors per greenback — 1 level if you make the acquisition and 1 level if you pay your invoice. For those who pay a $2,000 mortgage via Plastiq throughout a 2% promo, you will pay $40 in charges and earn $76 price of factors, per TPG’s April 2026 valuations.

Associated: These are one of the best bank cards for on a regular basis spending

When does it make sense to pay a payment?

There are some choose situations by which it is smart to pay a payment to make housing funds with a bank card and earn factors or miles.

For one, in case you’re working to satisfy a minimal spending requirement to earn a welcome supply, particularly with playing cards requiring $5,000 or extra inside a specified time interval, it may make sense to place hire on the cardboard.

The Citi Strata Elite℠ Card (see charges and charges) requires you to spend $6,000 within the first three months from account opening to earn 75,000 bonus factors. That bonus is price $1,425, per TPG’s April valuations, so in case your charges are lower than that quantity (and you do not have different strategies to satisfy the spending requirement), it may make sense to incur them.

In any case, calculate the worth of the factors or miles you will earn to find out if they’re price greater than the payment you will pay. If the charges for paying with a bank card are higher than the worth of the rewards you will earn, it is seemingly not the only option to pay your hire or mortgage with a bank card.

Nonetheless, when Plastiq has promos, or in case you get sufficient family and friends members to enroll via your promo code (which supplies you fee-free {dollars}), you may come out forward.

Associated: Ought to I pay with a rewards bank card even when it incurs charges?

Finest bank cards to pay your hire or mortgage

In terms of one of the best bank cards for paying your hire or mortgage, I might advocate one which earns greater than 1 level or mile per greenback spent on all purchases, in addition to playing cards that combine properly with the Bilt ecosystem.

Playing cards with standout welcome affords are additionally price contemplating.

Atmos™ Rewards Summit Visa Infinite® bank card: Earn 100,000 bonus factors and a 25,000-point World Companion Award after spending $6,500 or extra on purchases throughout the first 90 days from opening your account. Moreover, obtain a 50% flight low cost code for a qualifying future flight after opening your account.Bilt Palladium Card: Earn 50,000 bonus factors and Bilt Gold standing (via the remainder of the calendar yr by which it was earned and the next calendar yr) after spending $4,000 on nonhousing purchases within the first three months from account opening. Cardholders additionally obtain $300 in Bilt Money upon approval.Capital One Enterprise X Rewards Credit score Card: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.Citi Double Money: Earn $200 money again after you spend $1,500 on purchases within the first six months from account opening.Chase Freedom Limitless: Earn a $250 bonus after spending $500 on purchases throughout the first three months from account opening.United Quest℠ Card (see charges and charges): Earn 90,000 bonus miles and three,000 PQPs after spending $4,000 on purchases within the first three months from account opening. Plus, earn 10,000 bonus miles after including a licensed consumer within the first three months from account opening.

Associated: How to decide on one of the best bank card for you

Backside line

For those who resolve to pay your housing bills with a bank card, there are various routes you may take.

For those who aren’t fortunate sufficient to barter a fee-free fee technique, chances are you’ll wish to use one of many third-party fee suppliers. Or, in case you go along with Bilt, you will must consider the way you wish to earn rewards — and the truth that your housing fee can be pulled straight out of your checking account via ACH.

In any other case, it is best to anticipate to pay transaction charges in case you decide to pay hire or a mortgage with a bank card, typically. However, in case you’re working to satisfy a high-value welcome bonus, the place the worth outweighs how a lot you will pay in processing charges, it might make sense to pay with a bank card regardless.

Associated: New TPG Bilt calculator helps you simply maximize the Bilt 2.0 program