Pay Rent With Credit Card

Pay Rent with a Credit Card — Even If Your Landlord Doesn’t Accept It

Running low on cash, but rent is due? No problem. Zil Money lets you pay your rent using a credit card, even if your landlord doesn’t accept cards. The platform convert your payment into a check, ACH, or wire—you get flexibility, rewards, and peace of mind.

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Zil Money is a financial technology company, not a bank. Zil Money offers banking services through partnership with FDIC member banks Silicon Valley Bank and Texas National Bank.

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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

  1. Process Fee: 2.90%
  2. Cash Back: 2%
  3. Tax Break: 0.06%
  4. Final Fee: 0.35%
  5. 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.

A Woman Using A Mobile And Holding A Credit Card to Make Payroll Payments. Represents Fund Justworks Payroll By Credit Card for Improved Financial Management
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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

Frequently Asked Questions(FAQ)

Why can't I normally pay rent with a credit card?

Most landlords don't accept credit cards directly due to processing fees or limited infrastructure. Zil Money solves this by letting you pay with your card, and we send the payment as a check, ACH, or wire—whichever your landlord prefers.

What if my landlord refuses credit card payments?

That's okay—they don't even need to know you used a card. Zil Money handles everything behind the scenes. You pay us using your credit card, and the platform send the payment to your landlord in their preferred method. They get paid like usual—no extra steps or setup required.

I'm short on cash—can I still pay rent on time?

Yes! That's the power of using your credit card. With Zil Money, you can pay rent on time even if your bank balance is low, then pay off your card later based on your billing cycle. It's a great way to avoid late fees and maintain a good relationship with your landlord.

Is the credit card processing fee worth it?

For many businesses—absolutely. The 2.90% fee is the cost of gaining flexibility, avoiding cash flow gaps, and earning rewards like cashback or miles. this fee is typically tax-deductible as a business expense.

Can I track and prove the rent payment for my records?

es. Zil Money provides payment confirmations, transaction history, and downloadable receipts, which are perfect for accounting, audits, or lease documentation. Every payment is fully trackable.

Credit Card vs Expense Card

Individuals can borrow funds using credit cards from the card issuer up to a specified limit for purchases or cash withdrawals. In contrast, cards are directly linked to a bank account, allowing users to withdraw only the available funds. With Zil Money, you can manage transactions efficiently and make payments both easily and securely.
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RATING: 4.6 ( 10164 ratings )
Price: $49.99/Year

Every Customer Review is a Story of Trust

During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.

Greg Forrest

Owner of Spherion Staffing & Recruiting

Best partner of your life! Zil Money is my new bestfriend!

Sharmaine Buen Maloloy-on

Sales Account Manager at Bigleap Technologies Inc

Looking for better options for your business? Zil Money accompanies you.

Sergio Alvarado Garcia

Community Manager at Rebeca Nails Art

I enjoy using Zil Money for 3 key reasons. Record keeping, as it keeps a database of the checks each unique user has loaded. Being able to navigate and cut checks from different bank accounts. Pulling up the 1099s at the end of the year for vendors and ensuring all of the checks we cut to them can be easily accessed and a number is given.

Alonso Noriega

Accounting Manager at LT Property Management LLC

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