Skip to content
RentGuide.

For Tenants

Best Pay Rent with Credit Cards in 2026

Paying rent with a credit card can be worth it for the rewards — hotel points, sign-up bonuses, or cash back — but most landlords don't accept cards directly, and the ones that do usually pass on a roughly 3% processing fee. The right pick depends on whether you want zero fees in exchange for using a specific card, the flexibility to pay any landlord (for a fee), or a portal your landlord can sign up for too.

Advertiser Disclosure: RentGuide is an independent, advertising-supported website. Some or all of the offers that appear on this page are from third party advertisers from which RentGuide receives compensation. For example, we may receive compensation when you click on a link, when an application is submitted, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Read full disclosure →

Our top picks

Bilt Rewards

4.7 out of 5

Best for rewards

Earn points on rent — with no transaction fee.

#1
  • 1x point per dollar on rent (up to 100K points/yr) with no transaction fee
  • Works whether or not your landlord accepts credit cards — Bilt sends a check or ACH on your behalf
  • Bilt Mastercard: 2x travel, 3x dining, no annual fee
  • Points transfer 1:1 to major airline and hotel partners
  • Requires the Bilt Mastercard (or the rent payment portal alone for some buildings)

Free; Bilt Mastercard has no annual fee

Visit site

Plastiq

4.3 out of 5

Most flexible

Pay any landlord by credit card — even one that doesn't accept them.

#2
  • Plastiq mails a check or sends ACH to any U.S. landlord on your behalf
  • Roughly 2.9% transaction fee per credit card payment
  • Supports Visa, Mastercard, Discover, and Amex (Amex has category restrictions)
  • Schedule one-off or recurring payments
  • Useful for hitting credit card sign-up bonuses on large monthly rent

~2.9% per payment (credit card)

Visit site

PayRent

4.2 out of 5

Best built-in portal

Pay rent online by card when your landlord uses PayRent.

#3
  • Credit card, debit, or ACH/eCheck — landlord chooses what's enabled
  • Roughly 3% fee on credit card payments; ACH/eCheck typically free
  • Auto-pay so you never miss a due date
  • Optional rent-payment reporting to credit bureaus
  • Both landlord and tenant need an account

~3% credit card; ACH often free

Visit site

What to look for

We're filling in the full buyer's guide for this category soon. In the meantime, the picks above are a solid starting point.