How one can pay your lease or mortgage with a bank card

For many people, lease or mortgage funds are amongst our highest month-to-month bills. And plenty of the time, you are caught making these funds via financial institution accounts as a substitute of utilizing bank cards to earn worthwhile journey rewards in your spending.

However it does not need to be that method. The truth is, there are various firms in the marketplace that make it attainable to make lease or mortgage funds with a bank card — and earn rewards whereas doing so. Plus, Bilt added the power to earn worthwhile Bilt Factors on mortgage funds (along with lease) in its sweeping refresh earlier this 12 months, providing another choice.

Here is what you should find out about paying for housing bills with a bank card.

Paying your lease or mortgage with out charges

It is fairly uncommon to seek out an residence advanced or landlord prepared to simply accept bank card funds with out an interchange price. Nonetheless, it is price citing once you go residence searching, as a result of lease funds can lead to vital rewards.

For instance, in case your lease 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, when you pair it with an eligible card). After 12 funds (spending $18,000 on lease), you’ll have earned $270 in money again or 27,000 Final Rewards factors, price about $554 per TPG’s April 2026 valuations.

Nonetheless, you may seemingly be charged a processing price on lease funds made with a bank card.

Utilizing Bilt to earn factors

You possibly can earn worthwhile Bilt factors on housing bills with out paying a transaction price when you maintain a Bilt bank card and use the Bilt program to pay your lease or mortgage.

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

There are some further steps members must take to make sure they will earn factors on their lease or mortgage funds. And, because the Bilt program was revamped early this 12 months, these funds not go in opposition to a credit score line, so they are not precisely bank card funds.

Nonetheless, that is how I pay my month-to-month lease, since I like accumulating worthwhile 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 when 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 12 months): With this methodology, you may 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 price of three cents per level to unlock as much as 1 level per greenback spent on Bilt housing funds every month.

As an illustration, when you pay $1,000 for lease every month, you could possibly redeem as much as $30 of Bilt Money per thirty days to unlock as much as 1,000 Bilt factors per thirty days. So, you’d must spend $750 on nonhousing purchases together with your Bilt card to earn $30 in Bilt Money.

Housing-only rewards: You possibly can nonetheless earn Bilt factors on housing, whether or not you may have one of many Bilt bank cards or not. Should you select to make your housing funds with an eligible Visa, Mastercard, American Specific or Uncover bank card, you may pay a processing price and often earn 1 level per $2 spent (excluding lease cost charges). Should you pay lease by way of Bilt with a debit card or another kind of bank card, you may earn 250 factors per month-to-month cost.

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

*On as much as $50,000 per 12 months.

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

Paying your lease with a bank card

Some third-party service suppliers will assist you to pay your lease, mortgage and virtually another invoice with a variety of bank cards and debit playing cards. Nonetheless, you may need to pay a price.

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

Plastiq is by far the preferred service. It additionally runs occasional promotions that additional scale back the charges. With Venmo, you may incur a 3% price when paying one other person with a bank card, however you will not pay any further charges when paying with a debit card.

That mentioned, the price for paying your lease with a bank card by way of Plastiq has elevated a number of instances over the previous few years.

Associated: How one can earn factors and pay decrease charges with Plastiq

Paying your mortgage with a bank card

It’s usually unimaginable to make mortgage funds with a bank card, except you need to incur excessive charges (as with lease).

Nonetheless, Plastiq permits you to make these funds via its program when you pay with a Diners Membership, Uncover or Mastercard card. American Specific and Visa playing cards are usually not eligible.

And Plastiq sometimes rolls out promotions for brand new customers that supply decrease charges. Should you decide in for Plastiq throughout a 2%-fee promo, you could possibly 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 once you make the acquisition and 1 level once you pay your invoice. Should you pay a $2,000 mortgage via Plastiq throughout a 2% promo, you may pay $40 in charges and earn $76 price of factors, per TPG’s April 2026 valuations.

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

When does it make sense to pay a price?

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

For one, when 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 might make sense to place lease 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 might make sense to incur them.

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

Nonetheless, when Plastiq has promos, or when 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?

Greatest bank cards to pay your lease or mortgage

Relating to the very best bank cards for paying your lease or mortgage, I would advocate one which earns greater than 1 level or mile per greenback spent on all purchases, in addition to playing cards that combine effectively with the Bilt ecosystem.

Playing cards with standout welcome gives 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 inside 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 12 months by which it was earned and the next calendar 12 months) 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 inside 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 certified person within the first three months from account opening.

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

Backside line

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

Should you aren’t fortunate sufficient to barter a fee-free cost methodology, you might need to use one of many third-party cost suppliers. Or, when you go together with Bilt, you may must think about the way you need to earn rewards — and the truth that your housing cost will likely be pulled immediately out of your checking account via ACH.

In any other case, you must anticipate to pay transaction charges when you decide to pay lease or a mortgage with a bank card, usually. However, when you’re working to satisfy a high-value welcome bonus, the place the worth outweighs how a lot you may pay in processing charges, it could make sense to pay with a bank card regardless.

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