Are there any ways to earn rewards on rent besides the following?

[TyrannicalDuncery]

Here are all the ways I've found (so far) to earn rewards for paying rent. Are there more? What are they?

• Bilt Mastercard
• Bilt app without Bilt Mastercard on Bilt properties
• Landlords that let you pay with credit/debit
• Other landlord-specific
• A rewards card used with PayPal bill pay (if your landlord is on there)
• Cards that give cashback on campgrounds or travel, if where you live counts as that
• Bank[-like] accounts that give cash back, such as Enzo

[CaptJOB]

Plastiq is another one. Has gotten progressively worse as the years have gone by. I never actually used it but had considered it.

[SUPERSQUID]

I dont know about saving money but i intentionally lose about 10 bucks a month paying my rent with a navy cc to pump up my spend, and its working. i got a navy cr in december with a 3700 sl. i immediately started paying my rent with it about 1k a month. the service fee to pay my rent 1s 24 and the card gives me 1.5 cb so i lose about 10 per month ... but

i made the sub quickly and scooped that 250 plus i would have to pay the 1k monthly anyway so its easy peasy spend. my first cli at 3 months was 6k, now my cl is 9700 and the card is upgraded to a signature visa plus they gave me a platinum with a baby limit 1k. on the platinum i have been putting my cable and cell bill about 200 a month on it and passing up cb on that in the hopes of a nice cli at 91/3 so i can take advantage of a bt.

[TyrannicalDuncery]

Thanks! Am I correct about the following?

• Plastiq Pro: works with any card
• Plastiq Pro: works with any landlord, even the ones that only take checks
• Plastiq Con: charges 2.85% fee (if true, is there a way to get out of this?)

[Anonymous]

FWIW (maybe very little) this lists a number of third party apps for paying rent with a cc:

How to Pay Rent With a Credit Card: Complete Guide for 2022 (wallethub.com)

[Credit12Fico]

Enzo. But that's not a credit card. 

[TyrannicalDuncery]

I'm actually about to sign up with Enzo! Do you have any thoughts/experience?

My landlord only takes checks, so I think I will have to either

a) wait for the bill pay feature they have been hyping, or

b) get a money order ($0.50-1.00 fee/month I think) and mark it as rent (which is what Enzo customer service advised me to do, lol)

[Credit12Fico]

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@TyrannicalDuncery wrote:

I'm actually about to sign up with Enzo! Do you have any thoughts/experience?

My landlord only takes checks, so I think I will have to either

a) wait for the bill pay feature they have been hyping, or

b) get a money order ($0.50-1.00 fee/month I think) and mark it as rent (which is what Enzo customer service advised me to do, lol)

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I don't have an account with them but have heard of them.

This is the only fine print that I think you will want to be aware of:

Eligible accounts that meet the minimum requirements can earn 10% cashback on Uber, 5% on DoorDash, 2% on rent or mortgage payments, and 1% on everything else, limited to $20 per calendar month and $150 per calendar year. Once the monthly and/or annual limits have been reached, you will continue to earn 0.25% on all of your card spend. The maximum total cashback you can earn in a calendar year is $2,500.

Cashback on rent or mortgage payments is limited to one transaction per month. Enzo reserves the right to request additional documentation providing proof that the payments are bona fide rent or mortgage payments if it suspects unusual activity. Terms are subject to change. Cashback will be credited to your account the following month for qualifying transactions made the previous month.

It's limited to $1000 spend per month at the bonus rates, then only 0.25% back on anything above $1000 in the bonus cats. So you would still get something out of it depending on how much your rent is. I honestly can't think of any other rewards program that could match it. 

The alternative with credit cards would be to open a new account for a sign up bonus, and use a service like Plastiq (pay w/ credit and they mail a check) to pre-pay rent for a couple months in advance in order to hit the sign up bonus, netting you much more than 2% back. But that strategy only works if you are okay with opening a card every 6 months or so. 

[Bockrocker]

I used Enzo for the first time this month now that PayPal Key is dead.  It worked and seems like the best option for now.  There are some caveats though.

1. You now have to maintain a $2000 balance or have $1500 in direct deposits to get "premium cashback" (more than 0.25%)

2. Rent cashback is limited to $20/month, $12.5/month once you take the yearly cap of $150 into account

3. They already changed the cashback rate in January and then capped it in March, so things are still changing quickly.  It's not really clear how sustainable this is.

That said it's a nice app and support is responsive.  They also offer 1% cashback on PayPal transactions now, which someone on DoC mentioned can be used for billpay.

[Bockrocker]

Just a little update, paying bills through PayPal billpay with the Enzo debit card has been officially endorsed.  For most bills that would be less attractive than using a credit card, but there's one exception: paying the credit card bill itself.  Using this feature essentially turns your 3% card into a 4% card.  I tested with several different credit cards and they all worked great with 1-2 business days to credit.  The CEO says it's funded by interchange fees and sustainable for them.

Also of note they are turning it into a high interest checking account.  The current rate is 1.49%, going to 2.15% Aug 1.  The first 25000 "founders" will get a rate of 3.1% when they reach the milestone (they currently have 6000).