1
Best no-fee pick
BILT Blue
Earn points on rent with no transaction feeBILT Rewards
Best Credit Cards for Housing (Rent & Mortgage)
The only cards that earn meaningful rewards on rent payments without a processing fee. Some issuers also code mortgage payments as a bonus category.
Most landlords charge a 2–3% card processing fee — BILT avoids it entirely
1.5%
Avg no-fee back
2.5%
Avg with-fee back
3%
Best rate available
$245
Avg with-fee cost/yr
Spend about $24,500/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
The short answer
No-fee pickBILT BlueEarn points on rent with no transaction feeFee pickBILT Obsidian3x on rent + premium earning ratesPremiumCapital One Venture XCatch-all 2x — most landlords charge a card processing fee, so only worth it if you need Capital One Miles for a specific redemption or to hit a sign-up bonus
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Citi Double Cash
Catch-all 2x — most landlords charge a card processing fee, so only worth it if you need ThankYou Points for a specific redemption or to hit a sign-up bonusThankYou Points
Top picks — with annual fee
Pays for itself if used right1
Best overall
BILT Obsidian
3x on rent + premium earning ratesBILT Rewards$95/yr
2
Best value
Capital One Venture X
Catch-all 2x — most landlords charge a card processing fee, so only worth it if you need Capital One Miles for a specific redemption or to hit a sign-up bonusCapital One Miles$395/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
2 cards
#1
BILT Obsidian Mastercard
Transferable Points
1x Rent (no processing fee — 5 transactions required per statement)
- 3x Dining or Grocery (grocery capped $25k/yr)
- 2x Travel
- 1x Rent (no processing fee — 5 transactions required per statement)
- 1x everything else
Click to see redemption options
$200 BILT Cash on opening
#2
BILT Palladium Mastercard
Transferable Points
2x on all purchases (excluding rent)
- 2x on all purchases (excluding rent)
- 1x Rent (no processing fee — 5 transactions required per statement)
Click to see redemption options
50,000 BILT points after $4,000 in 3 months
No dedicated card earning more here? Use your best catch-all card.
Best catch-all cards →Not sure which one fits you?
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Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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