Top Credit Cards for Paying Rent: Maximize Rewards and Benefits in 2025
Paying rent can be one of the largest monthly expenses, but did you know you can earn rewards and maximize your benefits by using the right credit card? In this blog, we’ll explore the top credit cards that allow you to pay rent efficiently, earn points, cashback, and even unlock special offers

Rent is often one of the largest monthly expenses for many people. While most renters pay their rent using traditional methods like checks, bank transfers, or even cash, did you know you can use a credit card to pay your rent and earn valuable rewards or cashback in the process? That's right – with the right credit card, you can get more out of your rent payments and even rack up points, cashback, or miles that you can use for travel, shopping, or saving for the future.
In this blog, we’ll explore some of the top credit cards for paying rent in 2025 and show you how to make the most of your rent payments.
1. Chase Sapphire Preferred® Card
Best for: Earning Travel Rewards
The Chase Sapphire Preferred® Card is known for its robust rewards program, making it a top pick for those who want to turn their rent payments into future travel experiences. While you can’t pay rent directly through Chase, services like Plastiq allow you to pay rent with this card (note: there’s a small fee for using services like Plastiq).
Key Benefits:
- 2X points on travel and dining
- 1X point on other purchases
- 60,000 bonus points when you spend $4,000 in the first three months
- 25% more value when redeemed for travel through Chase Ultimate Rewards
This card is ideal for renters who frequently travel and want to earn points that can be redeemed for flights, hotels, or car rentals.
2. Citi® Double Cash Card
Best for: Earning Cashback
The Citi® Double Cash Card is a solid choice if you're looking for a simple, straightforward cashback card. With 2% cashback on every purchase – 1% when you make the purchase and 1% when you pay it off – this card allows you to earn cashback on your rent payments, which can add up quickly over time.
Key Benefits:
- 2% cashback on every purchase (1% when you buy and 1% when you pay)
- No annual fee
- 0% introductory APR on balance transfers for 18 months
- Easy-to-use rewards that can be redeemed for statement credits or checks
Whether you’re paying rent, groceries, or any other expenses, this card ensures you’re getting cash back on everything.
3. The Platinum Card® from American Express
Best for: Luxury Benefits and Perks
If you're someone who enjoys luxury perks, the American Express Platinum card could be the right choice for paying your rent. Although there’s a hefty annual fee, the benefits and rewards far outweigh it for frequent travelers and those looking to maximize their spending.
Key Benefits:
- 5X points on flights booked directly with airlines or through American Express Travel
- 5X points on prepaid hotels booked on amextravel.com
- $200 in annual statement credits for airline fees
- Access to premium airport lounges, travel concierge, and more
Although this card’s rewards structure is geared toward travel, using it for rent payments can help you earn valuable points if you're paying through a service like Plastiq.
4. Wells Fargo Active Cash® Card
Best for: Unlimited 2% Cashback
For those looking for a no-hassle cashback card, the Wells Fargo Active Cash® Card is another excellent option for paying rent. This card offers 2% cashback on all purchases, meaning that every rent payment gets you rewarded.
Key Benefits:
- 2% cashback on every purchase (with no categories to track)
- $200 cash rewards bonus if you spend $500 in the first 3 months
- 0% intro APR on purchases for the first 15 months
- No annual fee
It’s a great card if you want to keep things simple and earn cashback on all your purchases, including rent payments.
5. Bilt World Elite Mastercard®
Best for: Paying Rent Directly and Earning Points
Bilt Rewards is one of the few programs that allow renters to pay rent directly through the card without any third-party services like Plastiq. This makes the Bilt World Elite Mastercard® an excellent option for renters who want to earn points on their rent payments with zero fees.
Key Benefits:
- 1X point on rent payments, travel, and dining
- 2X points on travel purchases booked through Bilt
- 3X points on dining purchases
- No annual fee, and no fees for paying rent
Bilt points can be redeemed for various options, such as travel, fitness memberships, and even direct deposit to your bank account. With no fees for rent payments, it’s the perfect card for renters who want to earn rewards without any added costs.
Conclusion: Which Card Should You Choose?
When choosing the best credit card for paying rent, consider what works best for your lifestyle and spending habits. If you travel frequently, the Chase Sapphire Preferred® Card and The Platinum Card® from American Express offer fantastic travel rewards. If you prefer cashback, the Citi® Double Cash Card and Wells Fargo Active Cash® Card provide excellent returns. For those who want to make rent payments even easier, the Bilt World Elite Mastercard® stands out with no fees for rent payments and points you can use for a variety of rewards.
Make sure to also account for factors like annual fees, interest rates, and rewards categories before making a final decision. And remember, paying rent with a credit card can sometimes incur fees through third-party services, so always evaluate the costs to ensure you’re truly benefiting.
By leveraging the right credit card for rent payments, you can start earning valuable rewards and cashback that add up over time, making your rent payments work for you in more ways than one
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