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The 6 Best Credit Cards for Paying Rent [2024]

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For many Americans, rent is one of the biggest recurring expenses. However, not many know that paying your rent with a credit card is possible.

If you’re looking to pay your rent with a credit card, you are most likely looking to accumulate rewards for the payment. Paying thousands of dollars in rent each year and not using the right credit card can mean you may miss out on thousands of points and miles each year.

However, there are some things that you need to look out for. Often, using a credit card to pay rent comes with additional fees.

In this guide, we will look at what you need to consider when paying rent with a credit card and some of the best cards you should use. Let’s get started!

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The 6 Best Credit Cards for Paying Rent

The 6 Best Credit Cards for Paying Rent

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Card

Welcome Bonus and Annual Fee

Card Benefits

Bilt World Elite Mastercard® Credit Card
  • No welcome offer available.
  • Annual fee of $0

1x Bilt Rewards points on rent (up to 100,000 points per calendar year)

Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)

2x Capital One miles on every purchase, including rent

Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)

2x Capital One miles on every purchase, including rent

Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
  • Annual fee of $0

1.5% cash-back on every purchase, including rent

The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual fee of $0 (rates & fees)

2x Membership Rewards points on every purchase (up to $50,000), including rent

Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0

1.5% cash-back on every purchase, including rent

What To Consider When Paying Rent With a Credit Card

Rewards vs. Fees

There are generally fees associated with using a credit card to pay rent. These fees are usually charged as a percentage of the payment amount and can vary significantly but typically hover around 2.5% to 3.5%.

For example, let’s assume your rent is $1,500, and the apartment complex charges a 3.5% fee to pay using a credit card. This means that you would pay a fee of $52.50 on top of your rent just to use a credit card. Generally, the only time you should ever consider paying rent with a credit card is if the rewards you’ll earn outweigh the cost of earning those rewards.

For example, let’s say you use a card that earns 2x points per dollar for the amount in the example above. This means you will earn at least $30 in points, assuming those points are worth 1 cent per point. Fortunately, most transferrable point currencies, such as American Express Membership Rewards or Chase Ultimate Rewards, are worth much more.

If you only had a card that earns 2% cash-back (with the points being worth 1 cent per point), it would be best to avoid paying rent with that credit card unless your landlord charges a fee of less than 2%.

If you have done the math and the rewards you can potentially earn are higher than the fees you need to pay, then using a credit card to pay your rent is an obvious choice.

Plastiq for Bill Payments

Plastiq, a popular third-party service, allows you to use debit or credit cards to pay bills that don’t typically accept cards as payment.

Plastiq charges you a processing fee, which can be expensive. As of January 2024, the fee is 2.9% for both credit and debit cards. Although the fee charged for the convenience is quite high, using the right credit card can still put you ahead. Plastiq also has occasional promotions that can reduce your costs.

All you need to do is add a credit card to your Plastiq account and charge it in the amount of the rent bill. Plastiq will then cut a check to your landlord on your behalf.

It is worth noting that some issuers may consider this type of purchase a cash advance, which does not earn rewards and comes with extremely high interest rates and fees. It is best to do your due diligence before using this service.

Meeting a Minimum Spending Requirement

Another great option for paying rent with a credit card, despite additional fees, is when you are meeting a minimum spending requirement for a new welcome bonus.

For example, say you have a minimum spending requirement of $10,000 in 3 months, but you typically only spend $2,000 per month. Charging your rent to your card can help you meet the minimum spending requirement, which can result in a huge welcome bonus.

Because welcome bonuses are incredibly valuable when earning travel rewards, paying the associated fees using a credit card to pay your rent can make sense.

The 4 Best Personal Credit Cards for Paying Rent

As mentioned above, paying rent with a credit card can help you earn thousands of extra points each month. Now that we know the concept behind the fees associated with paying your rent with a credit card, let’s look at some of the best credit cards to help maximize your rewards.

Bilt Card (Best for No-Additional-Fee Rent Payments)

Bilt World Elite Mastercard® Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Bilt's secure site)
$0

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt card has to offer to help you decide whether the card makes sense for you.

Pros
  • 3x points per $1 at restaurants
  • 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
  • 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year
Cons
  • Does not offer a welcome bonus
  • Must use the card 5 times each statement period to earn points
  • $0 annual card fee
  • 1X points on rent payments with no transaction fee (up to $100,000 in rent payments every calendar year) and on other purchases
  • 2X points on travel (when booked directly with an airline, hotel, car rental or cruise company)
  • 3X points on dining
  • Use the card 5 times each statement period to earn points
  • Select Learn More to learn more about the product features, terms, and conditions
Financial Snapshot
  • Foreign Transaction Fees: $0

The best credit card for paying your rent would be one created just for that purpose. The Bilt card is the first of its kind and allows you to earn credit card rewards on your rent without paying any sort of transaction fee.

Although the Bilt card doesn’t have a welcome bonus, it has some great bonus categories that can help you earn points faster. With the Bilt card, you can earn:

  • Up to 5x points on Lyft rides
  • 3x points on dining
  • 2x points on travel (when booked directly with an airline, hotel, car rental, or cruise company or through the Bilt travel portal)
  • 1x points on rent (up to 100,000 points per calendar year)
  • 1x points on other eligible purchases

You must make at least 5 transactions per statement to earn the bonus rewards for spending. Cardholders can earn up to 100,000 Bilt Rewards points per year on rent.

Unlike nearly every other credit card, you can use the Bilt card to pay rent and earn points without the transaction fee. Not paying a transaction fee to pay rent could mean not spending hundreds of dollars per year on fees. Best of all, the Bilt card provides all this value and does not have an annual fee.

Bilt also has its own network called the Bilt Rewards Alliance, which consists of landlords all around the country that accept rent through payments on the Bilt card. However, if your landlord is not a part of the Bilt Rewards Alliance and only accepts checks, you can still participate in the program and charge your rent to the Bilt card. Bilt will then write a check to your landlord on your behalf.

The Bilt Rewards points you earn are also quite valuable. As with most transferrable points programs, there are numerous Bilt transfer partners, including British Airways Executive Club, United MileagePlus, and World of Hyatt, among others.

According to our valuations, Bilt Rewards points are worth 1.8 cents per point. If your rent is $1,500 and you charge it to the Bilt card, you can earn an extra 18,000 Bilt Rewards points each year, worth $324. That is a significant return for a card with no annual fee.

Hot Tip:

Thanks to the program’s many transfer partners, Bilt Rewards points are highly valuable. Check out our guide on the best ways to earn lots of Bilt Rewards points.

Capital One Venture Card (Best for Earning Miles on Every Purchase)

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

The Capital One Venture card is an excellent all-around travel rewards card with a very reasonable $95 annual fee (rates & fees). It has a solid welcome bonus offer and good miles-earning rates on everyday purchases. It also earns valuable Capital One miles and offers several different redemption options.

Cardholders earn an unlimited 2x miles on every purchase, making the card an excellent option for everyday spending. It also serves as a great card for non-bonus spending categories, like rent, that other cards may not have. The Capital One Venture card also earns 5x miles on hotels and rental cars booked through Capital One Travel.

The Capital One Venture card’s benefits include purchase security, travel insurance, and auto rental insurance. Being a travel rewards card, you also get some perks like a Global Entry or TSA PreCheck application credit of up to $100. The Capital One Venture card has no foreign transaction fees (rates & fees).

This card allows the opportunity to earn Capital One miles. According to our valuations, Capital One miles are worth 1.8 cents per point. This means that any everyday spending, including rent, on the Capital One Venture card is equivalent to getting a 3.6% return on spend. As long as the fees associated with paying rent with a credit card are less than 3.6%, paying rent with the Capital One Venture card is a solid option.

Capital One Venture X Card (Best for Earning Miles & Premium Benefits)

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

The Capital One Venture X card is easily one of the best credit cards available today. The ultra-premium travel rewards card offers a fantastic welcome bonus offer, solid rewards-earning potential, and numerous travel benefits.

Bonus categories include an unlimited 10x miles on hotels and rental cars purchased through Capital One Travel, 5x miles on flights purchased through Capital One Travel, and 2x miles on all other purchases.

As a luxury travel card, the Capital One Venture X card also offers lounge access to Priority Pass lounges, select Plaza Premium Lounges, and Capital One Lounges. The card also comes with a credit of up to $100 for Global Entry or TSA PreCheck.

The Capital One Venture X card does come with a hefty $395 annual fee (rates & fees). However, the card also comes with an annual travel credit of up to $300 for bookings made through Capital One Travel, which helps mitigate the annual fee. Additionally, you’ll receive 10,000 bonus miles, equal to $100 towards travel, every year, starting on your first anniversary.

The 2x miles on all non-bonus purchases make the Capital One Venture X card a solid option for paying rent. Similar to the Capital One Venture card, the Capital One Venture X card also earns Capital One miles, worth 1.8 cents per point according to our valuations. As long as the fees associated with paying rent with a credit card are less than 3.6%, the Capital One Venture X card is an excellent card to use.

Freedom Unlimited Card (Best for Cash-Back on Every Purchase)

UP TO $300 BACK
Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Thanks to its simple yet high earning potential, the Freedom Unlimited card is another excellent card.

With the Freedom Unlimited card, you can earn 5% cash-back on travel purchased through the Chase Travel portal and 5% cash-back on all Lyft rides through March 31, 2025. You can also earn 3% cash-back on dining and drugstore purchases. All other non-bonus category spending earns an unlimited 1.5% cash-back.

Although the Freedom Unlimited card earns highly valuable Chase Ultimate Rewards points, the points cannot be transferred to Chase’s hotel and airline transfer partners unless the card is paired with one of Chase’s premium travel cards, like the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card. You can significantly increase the value of your rewards when you redeem Chase Ultimate Rewards points vs. cash-back.

The Freedom Unlimited card’s 1.5% cash-back on all non-bonus category spending is excellent, especially when it comes to paying rent. There’s no limit to how many Ultimate Rewards points you can earn, and your rewards will not expire for as long as you have the card.

According to our valuations, Chase Ultimate Rewards points are worth 2 cents per point, meaning that the Freedom Unlimited card’s 1.5% cash-back can be worth 3%. However, this is only true when transferring Ultimate Rewards points to Chase’s transfer partners.

If the Freedom Unlimited card is the only Chase Ultimate Rewards-earning card you have, it may not be worth using it to pay rent as the value of the points is significantly less. However, if the fee for paying rent with a credit card is less than 3% and you hold a more premium Chase travel rewards credit card, the Freedom Unlimited card is a solid option.

The 2 Best Business Credit Cards for Paying Rent

Now that we looked at some of the best personal cards to pay rent, we thought it would be worth mentioning some business credit cards for small business owners.

Amex Blue Business Plus Card (Best for No Annual Fee, Intro APR Offer)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros
  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost
Cons
  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply
Financial Snapshot
  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is one of the best overall small business credit cards available.

It has a simple earning structure of 2x Membership Rewards points on everyday business purchases up to $50,000 per year. After reaching that threshold, the card earns 1x points. Best of all, the Amex Blue Business Plus card does not have an annual fee.

According to our valuations, American Express Membership Rewards points are the most valuable from any credit card loyalty program at 2.2 cents per point.

This means that all spending (up to $50,000 per year) will earn you a 4.4% return on spend. If the fees associated with paying your business’ rent with a credit card are less than 4.4%, using the Amex Blue Business Plus card is a good option.

Hot Tip:

American Express Membership Rewards can be quite valuable for award travel. Check out our guide on the best ways to redeem Amex Membership Rewards points for max value.

Ink Business Unlimited Card (Best for Unlimited Cash-Back on Every Purchase)

Ink Business Unlimited® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros
  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Cons
    • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The Ink Business Unlimited card is another excellent small business credit card that offers a simple rewards-earning structure with no annual fee.

Every purchase earns an unlimited 1.5% cash-back, and since the card does not have any bonus categories, it is a solid choice for those who want simplicity in earnings.

The Ink Business Unlimited card also earns Chase Ultimate Rewards points. However, like the Freedom Unlimited card, the points earned cannot be transferred to Chase’s travel partners without the help of a more premium Ultimate Rewards credit card, such as the Ink Business Preferred® Credit Card.

Final Thoughts

Just because you can pay rent with a credit card does not mean you should.

When it comes to paying rent with a credit card, the decision is generally quite simple. Unless you carry the Bilt card, you should only pay your rent with a credit card if the rewards you’ll earn are worth more than the cost of earning the rewards.

Since fees vary from one apartment complex or landlord to the next, it’s important to know how much your complex may charge to use a credit card. Knowing how much you will pay in fees will make your decision to pay rent with a credit card that much easier.

Fortunately, the credit cards covered in this article provide a ton of value and can help you earn thousands of extra points and miles each year.


For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.

Frequently Asked Questions

Is there any fee for paying rent with a credit card?

Fees depend on your apartment complex. Typically, fees are associated with using a credit card to pay rent.

Is it a good idea to pay rent with a credit card if there is a fee?

Generally, you should only consider paying rent with a credit card if the rewards you’ll earn outweigh the cost of earning those rewards.

Does the Bilt card have an annual fee?

No, the Bilt card does not have an annual fee.

Is there a limit on how much you rent you can charge on the Bilt card?

The Bilt card earns 1x points on rent up to 100,000 points per calendar year.

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About Ehsan Haque

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

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