this post was submitted on 11 Feb 2026
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People already put rent on their credit card to pay it off in chunks. This is just Klarna tapping in that market
People using CC to pay rent isn't reassuring, it's more alarming. Paying for housing on short-term, high-interest credit is financial insanity and implies profound dysfunction if not desperation.
Well if you don’t pay they can evict you very fast. So if you need the money yesterday you have to accept 12%pa
12%? Chances are if you have to pay rent with your CC, your creditscore is around 400 and you pay more like 25-40% p.a.
Hence the implied desperation
I think the intention was to get the points. But, I'm sure some are not as diligent as they should be.
You get charged a 3% transaction fee for using a credit card, which more than wipes out the value of any points you might earn.
Tap for spoiler
(Excluding the Bilt card, which used to let you earn 1% on rent and they processed it like an ACH/bank debit, so no credit card fee. But they recently restructured their rewards and it’s not nearly as easy to profit now.)Not every card gets charged a 3% mine for example doesn't. I get 3% back on rent, housing and insurance on my card. There's no fees involved. So it's just a flat 3% discount.
Pay rent with card in the first, pay it off on the second when it posts.
Well, don't leave us hanging, which card is that?
It doesn't exist. There is no credit card which gives 3% cash back on rent specifically. Op might be confused about some cards which give rewards for "housing expenses" which means like Home Depot and shit.
Also I sometimes get a 3% fee for debit
X1 used to give 3 points and my buddy's rental house charged a 2 and change percent fee. He could only get full point values certain places so he'd save up all the points and that was his Christmas fund. He'd bank $600/yr ( about $500 real dollars from paying the transaction fee plus the extra hundred-ish bucks in points he'd get for free). They recently went to a 1.5 point model but kept the restrictions on where you could spend to get the full point value. Guess what card of his never gets used now.
I was thinking about that Bilt card.
You mean to say a very quick and hard market crash, like we haven't seen in a century or so.
I tend to forget that salaries are paid weekly in the US. Then this makes at least somewhat sense.
Not typically. Every other week is more common.
Well, I’m used to monthly, both for rent and for salaries. So biweekly is still strangely often to me.
But thanks for correcting me.
Monthly or biweekly are both common in the US for salaries. And biweekly being the most common for hourly. Really just depends on your employer.
But, bills always come in monthly, which makes the monthly budgeting simple. A biweekly bill would fuck over a bunch of people as occasionally it would hit three times in a month.
specifically, in statesia it depends on: the size of your employer (how many employees they have) and whether you have a union that has negotiated a specific pay term.
source:am expert, i think it's in publication 15B
I'm not sure how common it is, but my employer (in the US) runs on a twice monthly payroll system.
But then why isn't rent paid weekly?
Where I live, weekly or fortnightly pay is more common than monthly, and rent is almost always paid weekly.
Did you mean monthly in that last sentence?
The first is referring to the US, the second to where Dave lives (I assume New Zealand).
You said it makes sense that in the US people get paid weekly (and pay rent monthly) so having a service that lets you pay rent off each week makes sense.
I'm asking why in the US people don't pay rent weekly. Where I live it's the most common way of doing it.
Basically all bills in the US come in monthly. Keeps the number of transfers, letters, and emails down. And as everything is on the same schedule, it works pretty well.
A biweekly bill would fuck over a bunch of people as it would occasionally come in three times in a month; necessitating a larger amount of cash on hand to account for these months. (And people are, overall, really bad about having any cash on hand)
Edit: Rejiggered the comment a bit
Edit 2: People get paid in the US either monthly or biweekly.
Ah, this is different than the other comment implied. They said:
Us people get paid bi weekly like 98% of the time. Weekly pay is basically unheard of.
Almost fucking no where does weekly pay. It's 99% bi weekly with a rare monthly here and there.
It's probably like 98% every other week/twice a month, 1% monthly, and 1% weekly.
My credit card gives me 3% on rent. So I just put it on the card on the first, pay it off on the second. Give a 3% discount on rent every month. Lol
Take what you can, give nothing back.
A ton of property management companies charge like 3-5% “convenience” charge for using a credit card, meaning even with cash back you lose some money.
Given that those fees are typically meant to cover processing fees and credit cards typically offer rewards because they effectively give you a cut of the processing fee this would make sense.
I had to do this when I turned 18. Now I'm in $2k of debt.
thats less than rent so nice
Of you pay rent on credit, you should move into a cardboard box. I would.