Updated November 13, 2013

How to Pay Rent with a Credit Card


In the past, some things were considered unchargeable: rent, medical bills, taxes. But these days it's getting easier and easier to use your credit card for just about anything.

So can you charge your rent bill to your card and get cashback, travel miles, and other bonuses? The answer is, in general, yes.

However, to do so, you need to take some indirect routes, some of which you may find more convenient than just handing over cash to your landlord. Here's are your options.

Option 1: Williampaid, PayDivvy, or Rentpayment.com

Sites like Williampaid, PayDivvy, and Rentpayment.com allow you to pay your rent with a credit card just by signing up. With these services, your landlord doesn't even have to register; the companies send your landlord a check every month on a date of your choosing.

Not only will you get benefits from your card issuer every time you pay your rent, you gain the convenience of setting up automatic payments for your rent. Beware of fees, though; Williampaid charges 2.95% and PayDivvy’s services costs 3.5% per transaction.

Option 2: Paypal or Square

If your landlord is tech savvy, ask if he or she uses Paypal or Square. While these peer-to-peer services have taken off with many small retail businesses, many landlords are still stuck in the 20th century. Still, it doesn't hurt to ask!

Landlords with several units might find the automation of these services convenient, and worth the fees that they’ll have to pay by accepting these transactions. The benefit for you, the renter, is that Paypal and Square don't charge you to send money. Because of the convenience factor, you may be able to use your ability to pay with one of these services as a negotiating tactic when you're about to sign a new lease.

Option 3: Convenience Checks

Finally, a third option that some credit card issuers will offer is convenience checks that you can use like personal checks to pay for things. While many card issuers offer a limited number of these checks to new cardholders, some are also happy to offer more checks to existing card members – all you have to do is ask. Since these checks are as good as personal checks from the landlord's perspective, they can easily be used to pay your rent bill.

Keep in mind, credit card issuers usually consider "convenience checks" as a cash advance. That means you'll incur the higher interest rate usually associated with cash advances, and interest starts accruing on the amount used immediately. Plus, they usually charge a fee, typically 3 to 5 percent of the amount. Occasionally credit card issuers might offer a promotional deal, but even then, study the fine-print carefully.

There are a number of ways to use credit cards to pay your rent, either with a third-party solution or some creative thinking. Before you go ahead with one of these options, ask yourself if it's worth the effort and possibly extra cost of paying with a card. And be sure you’ll be able to pay off what you charge – you don’t want to end up paying more in interest just for the sake of convenience or rewards.

More Articles in Money Tips


Articles on How to Pay Rent with a Credit Card

    Best Cities to Rent

    By Lauren Ward - Money Tips
    For some people, at certain times in their lives, renting makes the most financial sense. It may depend on their preferences: Renters don't have to worry about shoveling out driveways or making house repairs. It may depend on their credit ...

Leave a comment about How to Pay Rent with a Credit Card?


glowing turista

How to Start a Conversation with a Girl Online

So you've set up an online dating profile. You've been browsing around. You see some girls you like. Now it's time to talk to them.







About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.