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Why Pay Rent with a Credit Card?
Keep your cash when you need it most
Pay with your card and hold onto your cash for daily operations, growth, or unexpected expenses.
Pay anyone—no matter how they prefer to get paid
Whether your landlord accepts checks, ACH, or wire, Zil Money takes your card payment and delivers it in the format they prefer. No setup required on their end.
Earn points, cashback, or miles
Turn your rent payments into credit card rewards. It’s like getting something back on money you were going to spend anyway.
Stop worrying about missed deadlines
Use your credit card to pay rent on time—even if your bank account isn’t ready. Then pay your card later when it fits your cash flow.
No extra fees for your landlord
Your landlord gets the full amount through their preferred method. You just pay a small 2.90% fee—standard for card transactions.
Using Credit Cards to Save Money on Business Expenses
Cash Back Rewards
Earn Cash Back: Credit cards like the Capital One Spark Card offer 2% unlimited cash back, while the American Express Plum Card offers 1.5% unlimited cash back.
Offset Fees: Using a credit card with cash back can partially offset the 2.90% process fee, reducing the effective cost.
Tax Benefits
Tax-Deductible Fees: The 2.90% process fee can be filed as a tax-deductible business expense, offering some financial relief.
Additional Tax Breaks: Depending on the jurisdiction and tax codes, you may be eligible for additional tax breaks for using credit cards for business expenses.
Cash Flow Management
Cash Float Period: Credit cards often provide a 30 to 45-day payment window, allowing businesses to manage their cash flow better.
Utilize Funds: During this period, the funds can be invested in short-term opportunities or other revenue-generating activities.
Floating Revenue from Bank
Float Revenue – Cash Incentive Earnings: The funds in your bank account for 30 to 45 days could earn Cash incentive or be invested in short-term revenue-generating activities.
Capital Utilization: The cash float period allows you to strategically utilize your capital for other pressing needs or investment opportunities.
Detailed Example: Capital One Spark Card
- Process Fee: 2.90%
- Cash Back: 2%
- Tax Break: 0.06%
- Final Fee: 0.35%
- Additional Benefit: 30-45 days of cash flow management and float revenue.
Why Zil Money!
A technology-first approach to payments and finance
Easy to Access
High Security
Easy Payment
How It Works
Enter your landlord’s payment details (check, ACH, or wire).
Pay with your credit card through Zil Money.
The platform send the rent on your behalf—fast and securely.
You get a travel points, and reward points.
Bonus: That 2.90% fee? You can write it off
The processing fee counts as a business expense if the rent is for commercial property. That means you can deduct it during tax season and reduce your taxable income.
Safe. Easy. Instant
Whether it’s your office lease, retail space, or warehouse—Zil Money gives you the power to pay rent on your terms, with the flexibility and benefits you deserve.
FREQUENTLY ASKED QUESTIONS
Why can't I normally pay rent with a credit card?
What if my landlord refuses credit card payments?
I'm short on cash—can I still pay rent on time?
Is the credit card processing fee worth it?
Can I track and prove the rent payment for my records?
Credit Card vs Expense Card
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