Can You Pay Your Mortgage with a Credit Card?

Ever found yourself asking, can you pay your mortgage with a credit card? You’re definitely not alone. Maybe you’re trying to rack up rewards or cash back, buy yourself some breathing room, or just make ends meet until payday. 

The answer is yes… but only if you enjoy jumping through hoops, paying fees, and possibly lighting your credit score on fire. Still, in rare cases, it’s a valid option.  

Let’s break down how to pay your mortgage with a credit card, whether it’s actually a good idea, and what to do instead if you don’t want to do a dangerous tango with interest rates.

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Is it possible to pay your mortgage with a credit card?

Technically? Yes. But don’t expect your mortgage lender to make it easy. Most lenders won’t accept credit card payments directly. To pay mortgage with credit card magic, you’ll need to route things through a third party — which often means fees. Here’s how to pay your mortgage with a credit card without getting burned.

How do I pay my mortgage using a credit card?

Wondering how to pay mortgage with credit card strategically, without getting slammed by fees or flagged by your lender? We’ve got you: Below are a few ways to use a credit card to pay mortgage payments. Here’s how each one works — plus when to run the other direction.

Third-party service

Platforms like Plastiq or similar let you use your credit card to pay your mortgage, then they cut a check to your lender.

• How much it costs: Fees typically range from 2.5% to 3% per transaction. (Plastiq is right in there at 2.9%.)
• When it makes sense: If you’re earning more in credit card rewards than you’re paying in fees (spoiler: rarely), or if you desperately need a stopgap.

Cash advance

This one’s risky. You withdraw cash using your credit card and use that to pay your mortgage.

• How much it costs: Cash advance fees (often 3%–5% and sometimes higher), plus immediate interest — typically with no grace period. Be sure to check the terms of your credit card before taking a cash advance. 
• When it makes sense: Pretty much never. You’re better off selling something on Facebook Marketplace.

Buy a money order

Some people try to skirt restrictions by buying a money order with their card and using that to pay the mortgage.

• How much it costs: Varies by provider — usually a small fee per money order, and may be treated as a cash advance.
• When it makes sense: When your card doesn’t code the transaction as a cash advance and you’re desperate (aka rarely).

Balance transfer check

Some credit card companies send checks you can use to pay off other debts — including mortgage balances.

• How much it costs: Often a 3%–5% balance transfer fee, but interest can be 0% for a limited time.
• When it makes sense: If you qualify for a solid 0% intro APR and actually pay it off before the promo ends.

Pros and cons of using a credit card to pay your mortgage

Let’s break it down — because there are a few perks, but also enough red flags to knit a scarf.

Pros	Cons
✅ You might earn rewards: If your card offers great points or cash back, this can add up — if you avoid fees and interest.	❎ You’ll probably pay fees: Most methods to pay mortgage with credit card include a 2–3% service fee.
✅ Can buy time in a pinch: Using a credit card can give you some breathing room if you’re cash-strapped (but be careful).	❎ Interest can snowball fast: Unless you’re on a 0% APR intro offer, you’ll rack up interest from day one.
✅ Can help manage cash flow: Helps if you’re juggling multiple due dates — but again, only if you have a payoff plan.	❎ Could hurt your credit: Maxing out your card to cover a mortgage can spike your credit utilization — and your score may take a hit.

Alternatives to using a credit card to pay for your mortgage

So what should you do instead of reaching for a credit card for mortgage payments? We’ve got you.

🔁 Negotiate with your lender: They may offer short-term relief or modified payment plans. Negotiating your rate can be awkward, but cheaper than a cash advance spiral.

🔁 Home equity line of credit (HELOC): Lower interest rates than credit cards and designed for homeowners. Just don’t treat it like a blank check.

🔁 Cash-out refinance: A cash-out refinance is when you replace your existing mortgage with a new, larger one and take the difference in cash. If you’re planning to stay in your home long-term, a cash-out refinance might lower your rate and give you extra cash.

🔁 Personal loan: Need to smooth out a financial rough patch? Consider a personal loan with a fixed rate — it’s often cheaper than credit cards.

When Credit Cards and Mortgages Mix: Handle With Care

So, we have your answer to “Can I pay my mortgage with a credit card: Yup. But should you? That’s a different story.

Between the fees, the interest, and the credit score risk, this hack only works in very specific scenarios — like if you’re using a credit card with a 0% intro APR, or stacking points for a very calculated win. If you’re looking for a safer, smarter workaround, check out other options like personal loans, HELOCs, or simply asking your lender for help.

Need more smart-money moves? Here’s how to pay off a loan faster without breaking a sweat — or your budget.

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