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You can use a credit card to pay your rent or mortgage, but you'll usually have to pay fees.
It can still be worth it if the rewards you'll earn outweigh the fees charged for using a credit card.
The Bilt Mastercard® is a fee-free way to pay rent and earn valuable points, but mortgages aren't an option.
For most people, housing is by far their most significant living expense. In fact, according to the 2021 Census Bureau's housing survey, the median rent payment is $1,184, while the median mortgage payment comes to $1,200 per month.
Imagine if you could turn that considerable expense into an almost-free vacation. While it used to be impossible to charge your rent or mortgage payments to a credit card to earn points, that has changed in recent years.
Several services let you pay your housing expenses with a credit card, and there's even a credit card designed for this very purpose. If you're looking to maximize your biggest expense, here's how to earn points on rent and mortgage payments and the best credit cards to use.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Services to pay your rent and mortgage with a credit card
Most banks don't accept credit cards for mortgage payments and you often can't pay your landlord directly with a card. You can still earn points on your rent and mortgage payments by utilizing a processing service. These platforms will let you pay with a credit card and send a bank transfer or check to your landlord.
Most of these platforms charge a fee, though there are ways to reduce or eliminate these fees altogether. Here's a look at each service and what you'll pay to earn points on rent and mortgage payments:
Earn 3x points on dining. Earn 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1x points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
Earn 3x points on dining. Earn 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1x points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
The Bilt Mastercard® is the first credit card to offer rewards for paying rent without additional fees — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you're not a renter, you should consider other no-annual-fee rewards credit cards as well.
Details
Rewards
Earn 3x points on dining. Earn 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1x points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Terms
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
Only credit card to offer rent payments to any landlord
Excellent range of airline and hotel transfer partners through the Bilt App
World Elite Mastercard benefits and no annual fee
Cons
If you’re not a renter, other cards offer better welcome bonuses and rewards
Must make 5 transactions per statement period to earn points
Highlights
More Information
$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.
Bilt Rewards is a relative newcomer but has already made a big splash with a competitive loyalty program and a rewards credit card. Bilt lets members earn points on rent payments, fee-free. Simply join Bilt Rewards and earn 250 points per rent payment made in the app.
If you're a Bilt Mastercard® holder, you'll earn 1 point per dollar spent on rent, up to $100,000 per year. And if your landlord doesn't appear in Bilt's extensive database of property management companies, Bilt will still let you pay with a credit card and send a check or bank transfer on your behalf.
You don't have to be a Bilt Mastercard® holder to use the Bilt rewards program. You'll just be limited to earning 250 points per payment and you can't use the bank transfer/check option if your landlord isn't listed in the Bilt network.
The card also lets you earn additional points on everyday spending. It offers 3x points on dining, 2x on travel, and 1x on rent payments every month (up to $100,000 per year). It also lets you earn points on referrals (2,500 points per successful referral), and now every fifth successful referral earns you an additional 10,000 points (up to 2,025,000 referral points per year).
Overall, both the Bilt Rewards program and the credit card are excellent products, considering they earn valuable rewards in common spending categories with no annual fee.
Venmo
If your landlord accepts Venmo, you can earn points on rent payments by sending the money directly. The only downside is that Venmo charges a 3% fee on credit card transactions. This is really only worth doing if you're trying to meet a minimum spending requirement for a large credit card sign-up bonus. You'll pay a $35.52 fee for a $1,184 rent payment, which could be worthwhile in certain circumstances.
So if you're spending $120 to knock out the spending requirement via rent payments, it's worth it because of the outsized return. Still, you should explore other options before going this route.
Plastiq
Plastiq lets you pay both mortgage and rent with a credit card for a 2.85% fee and accepts most major issuers, except American Express. Plastiq is unique because it runs regular promotions that waive or reduce transaction fees. This can make earning points on rent and mortgage payments much cheaper.
In the past, Plastiq offered discounted fees on payments made with Mastercard. The best way to make sure you don't miss out on these promotions is to opt-in to receive email notifications from Plastiq.
Credit cards to use on rent and mortgage payments
Once you have a program picked out that lets you pay your rent or mortgage with a credit card, you'll want to choose a credit card that offers maximum rewards. Most of the above-mentioned platforms won't trigger category bonuses. So you'll want to use a credit card that earns more than 1 point per dollar spent on all spending or spending-based rewards.
The Citi® Double Cash Card is an excellent option for earning rewards on rent and mortgage payments. The card effectively earns 2 points per dollar — worth 2% cash back— on all spending (1 point per dollar when you spend and 1 point per dollar when you pay the balance off). It's not currently offering a welcome bonus.
Citi ThankYou is an excellent program with valuable partners like Avianca Lifemiles, Flying Blue, and Turkish Miles&Smiles. These programs offer some exceptional sweet spot awards that are significantly cheaper than most domestic reward programs.
7,500 Turkish miles each way for an economy-class ticket to Hawaii
15,000 Flying Blue miles each way for an economy ticket to the Caribbean
44,000 Etihad Guest miles one-way for Royal Air Maroc business class between the East Coast and Morocco
50,000 Virgin Atlantic points one-way for Delta One Suites to Europe
87,000 Avianca Lifemiles miles one-way for Lufthansa first class to Europe, without fuel surcharges
By charging your rent or mortgage to the Citi® Double Cash Card, these awards could be easier to reach.
Capital One Venture and Venture X
Capital One Venture Rewards Credit Card
4.55/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Details
Rewards
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Annual Fee
$95
Intro offer
75,000 miles after spending $4,000 on purchases within three months from account opening
75,000 miles after spending $4,000 on purchases within three months from account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% - 28.99% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.55/5
4.55 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
No bonus categories to keep track of
Includes up to a $100 statement credit for Global Entry or TSA PreCheck
Cons
Other credit cards offer higher rewards in certain categories of spending
Highlights
More Information
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
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®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
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
Use your miles to get reimbursed for any travel purchase - or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and statement credits that can help offset the annual fee — which is much lower than similar premium cards.
Details
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Show more
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.99% - 28.99% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4.85/5
4.85 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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 your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available. Be sure to check out the full terms and conditions for Premier Collection (https://capitalonetravel.com/premier-collection/) and Capital One Travel (https://travel.capitalone.com/terms-of-service/)
What's great about these Capital One Venture cards is how flexible the rewards are. You can apply your Capital One miles towards travel purchases made with your card at 1 cent each or transfer them to over a dozen airline and hotel partners. These partners include Air Canada Aeroplan, British Airways, and Wyndham Rewards, giving you lots of solid options to redeem points for domestic or international travel.
The Blue Business® Plus Credit Card from American Express
4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
N/A
Rewards
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
The Blue Business® Plus Credit Card from American Express
4/5
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$0
Intro offer
N/A
Rewards
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.
Details
Rewards
Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.49% - 26.49% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 12 months from account opening
Editor's Rating
4/5
4 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
The rare no-annual-fee card to earn Amex Membership Rewards points
Solid earning rate on the first $50,000 in purchases each year
Cons
For spending above $50,000 each year, you will only earn 1 point per dollar
Highlights
More Information
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.
The Blue Business® Plus Credit Card from American Express is another underrated yet exceptional rewards card. It earns 2 Amex Membership Rewards points per dollar on the first $50,000 in purchases every year (then 1x) and it's a great card to keep in your wallet since it has no annual fee. The only downside is that this is a business card and not everyone likes mixing their personal and business spending.
However, if you don't mind parsing out a single monthly expense from your business card spending, then it can be worthwhile. After all, the value of Amex points is among the highest on the market, with 20 airline and hotel transfer partners.
Southwest credit cards
Southwest Rapid Rewards® Premier Credit Card
3.65/5
Annual Fee
$99
Intro offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
The Southwest Rapid Rewards® Premier Credit Card is worth considering if you fly Southwest, even occasionally. This card strikes the best balance between valuable benefits and a moderate annual fee.
Details
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Annual Fee
$99
Intro offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Editor's Rating
3.65/5
3.65 out of
5 Stars
Pros & Cons
Pros
You get 6,000 points each year after anniversary
You can earn Tier-Qualifying Points toward Southwest elite status for spending on the card
Cons
Annual fee
Highlights
More Information
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
6,000 anniversary points each year.
Earn 3X points on Southwest® purchases.
Earn 2X points on local transit and commuting, including rideshare.
Earn 2X points on internet, cable, and phone services; select streaming.
Southwest® Rapid Rewards® Performance Business Credit Card
4/5
Annual Fee
$199
Intro offer
80,000 points after you spend $5,000 on purchases in the first three months from account opening
Rewards
Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Southwest® Rapid Rewards® Performance Business Credit Card
4/5
Annual Fee
$199
Intro offer
80,000 points after you spend $5,000 on purchases in the first three months from account opening
Rewards
Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Annual Fee
$199
Intro offer
80,000 points after you spend $5,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Intro Annual Percentage Rate (APR)
N/A
Editor's Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
4x bonus points on Southwest purchases
Valuable Southwest perks including four upgraded boardings per year, in-flight Wi-Fi credits, and 9,000 points each year on your anniversary
Cons
$199 annual fee is on the high side
Highlights
More Information
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
9,000 bonus points after your Cardmember anniversary.
Earn 4X points on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car rental partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
The Southwest credit cards will only earn 1 point per dollar on rent and mortgage payments. But charging this considerable monthly expense to your card can be worthwhile for one significant reason: The Southwest Companion Pass. This coveted Companion Pass is one of the best deals in travel. It allows you to fly a designated companion with you for just the cost of taxes. This applies to both paid fares and award tickets.
The Southwest Companion Pass requires you to earn 135,000 points in a calendar year. The best way to earn qualifying points towards the Southwest Companion Pass is with welcome bonuses and spending from Southwest credit cards.
Apply for a card, throw in an average $1,184 rent or $1,200 mortgage payment, and you could earn enough points to earn free travel for a companion for at least a year.
Chase offers five Southwest cards:
Find the right Southwest credit card for you
Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Priority Credit Card
Southwest® Rapid Rewards® Premier Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
Our recommendation
Best for occasional Southwest flyers
Intro Offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 2X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Annual Fee
$69
Our recommendation
Best Southwest card with a sub-$100 annual fee
Intro Offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Annual Fee
$99
Our recommendation
Best for frequent Southwest flyers
Intro Offer
50,000 bonus points after spending $1,000 on purchases in the first three months from account opening
Rewards
Earn 3X points on Southwest® purchases. Earn 2 points on Rapid Rewards hotel and car rental partner purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1 point for every $1 spent on all other purchases.
Annual Fee
$149
Our recommendation
Best Southwest card for small-business owners
Intro Offer
60,000 points after you spend $3,000 on purchases in the first three months your account is open
60,000 points after you spend $3,000 on purchases in the first three months your account is open
Show more
Rewards
Earn 3X points on Southwest Airlines® purchases. Earn 2X points on Rapid Rewards® hotel and car partners. Earn 2X points on local transit and commuting, including rideshare. 1 point per $1 spent on all other purchases.
Annual Fee
$99
Our recommendation
Best Southwest card for premium perks
Intro Offer
80,000 points after you spend $5,000 on purchases in the first three months from account opening
Rewards
Earn 4X points on Southwest® purchases. Earn 3X points on Rapid Rewards® hotel and car partners. Earn 2X points on rideshare. Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Annual Fee
$95
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
If you like staying at Hyatt hotels, The World Of Hyatt Credit Card is an excellent complement to Hyatt's generous and competitive loyalty program that offers free nights and a path toward higher-tier elite status. Even if you're not a hardcore Hyatt fan, the card's useful benefits can appeal to most travelers — and make the card worth keeping year after year.
Details
Rewards
Earn up to 9 points total for Hyatt stays (4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member). Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships. Earn 1 point per $1 spent on other purchases.
Annual Fee
$95
Intro offer
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and up to 30,000 more bonus points by earning with 2 points per dollar, up to $15,000, on purchases that normally earn 1 point in the first six months of account opening
Show more
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
21.49% - 28.49% Variable
Editor's Rating
4.3/5
4.3 out of
5 Stars
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
Show more
Pros & Cons
Pros
Valuable annual reward night
Hyatt points are valuable, and this card earns 2x points on several bonus categories
If you spend a lot on this card, you can earn a second free night
Cons
Not too many extra benefits
Highlights
More Information
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
World of Hyatt is one of the few loyalty programs that still publish an award chart. That means you can plan and save up for a hotel stay in advance without worrying about whether redemption rates will significantly change when you're ready to redeem points.
The World Of Hyatt Credit Card is an excellent card to charge your rent and mortgage payments to because of its elite status and free night incentives. Cardholders earn two nights towards elite status for every $5,000 spent, plus a free night after each account anniversary valid Category 1-4 hotels — and another free night (Category 1-4) for spending $15,000 in a calendar year.
Top-tier Hyatt Globalist status is incredibly valuable. It offers perks like complimentary breakfast, lounge access, and bonus points on paid stays. Not to mention, you earn Milestone awards on your way to top-tier status. Overall, this is a rewarding program that will pay off nicely if you charge your rent and mortgage payments to its co-branded card.
Is paying your rent or mortgage with a credit card worth it?
If you can earn points on rent and mortgage payments without massive fees, it's absolutely worth it. Hotel points and airline miles can be worth upward of 2 cents each. Of course, the exact value varies greatly depending on the program and how you redeem your rewards. So keep in mind how you plan on using your rewards to determine whether the fees are worth it.
If you're trying to meet a spending requirement for a credit card sign-up bonus, paying fees through one of these services can certainly be worthwhile if the welcome bonus out-values the fees.
Ariana Arghandewal is a credit card and reward travel expert and is the founder of Pointchaser. She has worked as an editor at The Points Guy, NerdWallet, and FlyerTalk.Her work has also appeared in Forbes, Fodor's Travel, and U.S. News Weekly.
Top Offers From Our Partners
Betterment Cash Reserve Account
New Customer Offer: Earn 5.50% (variable) APY* when you open your first cash account with qualifying deposit
*The annual percentage yield (APY) on the deposit balances in Betterment Cash Reserve (Cash Reserve) is 4.75% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the Program Banks) and is current as of August 1, 2023. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.
For rewards and benefits of the Bilt Mastercard, please click here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
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
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