How to Pay Rent with a Credit Card

in Saving Money on by

Imagine not having to write a rent check every month, not dealing with the hassle of late fees if you forget to drop off your check (which has probably been sitting on your kitchen counter since the first of the month, just waiting for you to deliver it to your landlord) in time, and never having to worry about bouncing a rent check. How can all of this be possible? The magic of the credit card.

Yes, in today’s cash- and check-averse society, you can pay for anything with a credit card, even your living space. Paying rent by credit card is becoming more and more popular for a variety of reasons. If your landlord or apartment complex is already willing to receive credit card payments for rent, you’re all set—just talk to your landlord about the process for accepting credit card payments, and charge away. You can set it up so that your card is charged each month for the amount of your rent, or you can charge your rent only occasionally, perhaps during the holiday season when you’re temporarily short on funds.

Landlords like credit card payments for the same reasons tenants do: ease of use, and guaranteed payments. Landlords don’t have to mess with collecting as many checks or paying check processing fees, and they don’t have to assess as many late fees if your credit card is charged automatically. The deal can be sweet for you, too—you can earnreward points for using your credit card for such a big purchase, and you can also avoid the hassle of forgetting about rent or having to pay the dreaded late fees.

Of course, paying rent with your credit card is not simply an idyllic wonderland of living free and easy. You’re still going to get that credit card bill eventually, and you’re still going to have to make payments on it with real money. The interest and late fees on your credit card bill are likely to be more costly than the late fee your apartment complex assesses. Moreover, failing to pay your credit card bill affects your credit card rating even more directly than failing to pay rent, and charging your rent can keep you in a place you can’t afford much longer than you can really afford to be there.

Stay smart and don’t use your ability to make credit card rent payments as an excuse to live somewhere out of your means. If you’re already having trouble scraping up the money for rent, paying by credit card isn’t the appropriate way to fix the situation. Consider finding cheaper lodgings or a second job, or take on a roommate to help with rent (if your landlord will allow it). You might also look into receiving unemployment benefits or housing assistance.

If your apartment complex doesn’t currently offer the opportunity to pay rent by credit card, see if you can get a group of tenants together to request the service. It’s likely that your landlord will respond to a collective request more positively than to an individual request. Most landlords seem to find that a significant portion of tenants take advantage of the chance to pay by credit card, and that the ability to pay rent by credit card can make a difference for prospective tenants when they’re choosing where they want to live. Online sites like PropertySolutions, RentPayment, and others offer landlords the opportunity to accept credit card payments from tenants. Encourage your landlord to look into this option, as paying rent by credit card will surely become more popular in the future.

In addition to paying rent by credit card, you might also be able to pay rent using a debit card linked to your checking account. This eliminates the hassle of paying rent each month.

Work with your credit card company and landlord to know the ease that is paying rent with plastic, but beware of falling further into debt if you’re already behind on credit card payments. Keep in mind that rent costs real money, not just credit card promises, and you’ll have to pay up eventually no matter what. Paying rent by credit card may not be for everyone, but it could be for you—if you have the level head and good credit history.

27 Responses to “How to Pay Rent with a Credit Card”

  1. March 30, 2006 at 8:47 pm, Guest said:

    This is good advice.


  2. June 15, 2006 at 2:34 pm, Guest said:

    you can get a loan online to get help with rent and the intrest rate is lower. I found a good site to help.


  3. October 23, 2006 at 8:54 pm, Guest said:

    Here’s a better Idea. Pay for all of your expenses including the rent with your credit card. leave all of your money in the bank and pay the card in full. Be a freeloader and pay no interest at all.


  4. October 30, 2006 at 4:33 pm, Guest said:

    Payday loans are theft – PAYDAY LOANS ROB YOU. You pay them up to ***HUNDREDS*** of times more for the money that you “borrowed”.


    It’s a TRUE CASE of “If it looks too good to be true, it probably IS!”

    Don’t fall for the PAYDAY loan scam – do something, anything else – but don’t fall for giving someone your NEXT paycheck as well as many others if you happen NOT to be able to pay it back “on time”.


  5. June 04, 2007 at 9:03 am, Guest said:

    I can’t wait to try this out…next you know you’ll be able to pay rent with your paypal account like you can purchase a pixel here,


  6. July 19, 2007 at 7:13 pm, Guest said:

    nice to meet you!


  7. December 28, 2007 at 8:28 pm, Guest said:

    What if you are renting a house from someone and your house is their sole rental and they do not currently take credit cards? Any way to make use of the card without paying cash advance fees etc?


  8. December 31, 2007 at 10:56 am, Guest said:

    Check out


  9. January 23, 2008 at 10:55 am, Guest said:

    “Here’s a better Idea. Pay for all of your expenses including the rent with your credit card. leave all of your money in the bank and pay the card in full. Be a freeloader and pay no interest at all.”

    I agree… do it with a frequent flyer credit card or reward based program and get cool trips or merchandise!


  10. March 25, 2008 at 3:26 pm, Guest said:

    You can pay your rent with a credit card using


  11. April 22, 2008 at 8:54 pm, Guest said:

    Yeah… looks pretty good!


  12. May 02, 2008 at 1:02 am, Guest said:

    I’ve just launched a new site – that lets you pay rent with your card – no matter what. We process your payment and send the owner/property manager a check in your name. There is a service fee based upon the amount of your payment, usually between 2.5% and 3.5%. If the owner of your rental home/apartment is not listed in their system you can add them and and make a payment immediately. You can also schedule automatic payments each month. Check it out and I would love to know what you think of the service.


  13. May 03, 2008 at 11:23 am, Guest said:

    Check out as it is less expensive than bill charger.


  14. June 09, 2008 at 5:37 pm, Guest said:

    What are ramsrent’s transaction fees?


  15. June 10, 2008 at 4:23 pm, Guest said:

    They are all expensive.


  16. June 13, 2008 at 12:34 pm, Guest said:

    Pay your rent with Credit Card or electronic check online like I do every month!!! Very convenient and no more late fees!!!!

    I use, the most affordable solution, easy and secure!


  17. June 13, 2008 at 12:35 pm, Guest said:

    I use PayLease (, It’s the most affordable one!


  18. August 01, 2008 at 2:21 pm, Guest said:

    Ramsrent isn’t expensive at all


  19. September 22, 2008 at 6:00 pm, Guest said:

    I’ve used PayLease at my old apartment complex. They did a good job, easy to use.


  20. December 29, 2008 at 10:47 pm, Guest said:

    I use Paylease and it is very user friendly and you can call and make payments. Great customer support and very cheap! Highly recommend


  21. February 17, 2009 at 5:44 am, Tanya B. said:

    You made some good points there. I did a search on the topic and found most people will agree with your blog.


  22. March 05, 2009 at 9:21 am, Kevin said:

    As a Newbie, I am always searching online for articles that can help me. Thank you


  23. April 30, 2009 at 11:37 pm, Rob said:

    If your apartment complex already takes credit cards, why not put the rent on a cash-back reward card? Assuming your a responsible and pay your card In-Full every month, it will just give you more cash back in your pocket.

    EX: My rent is $1,400 a month. My Pentagon Federal Reward Visa gives me 1.25% cash-back on all “other” purchases. That’s $17.50 a month off my rent, $210 a year.

    Not to bad just for putting a roof over my head…


  24. April 01, 2010 at 7:50 pm, Sean said:

    If you are doing this to get cash back by using your card there are service fees to consider. Your apartment, like any other business, has to pay a processing fee when you use a card (2.5 %). Because rent is a big hunk of cash those fees can add up for your apartment, and most will make the tenant pay that processing fee. They don’t want to absorb those fees, they want to make money!


  25. April 14, 2010 at 12:56 pm, John said:

    I wish I could pay my rent on a credit card. I pay $3,000/month for my apartment. If I could put it on my Amex Gold Rewards I would earn 51,000 Amex Rewards points. (You get a 15k bonus after spending 30k) 51,000 reward points is worth about $900-$1200 after I convert to airline miles and use them.


  26. July 16, 2012 at 1:14 am, dan said:

    It’s not this simple. You get usually 1-2% cash back on credit cards and the fees associated to use one are higher than that, so you still in the red. If a complex accepted credit card payment for no fee then its worth it


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