How to pay commercial rent with a credit card

Most businesses pay rent the same way: ACH transfer or check, month after month, with zero rewards to show for it.

That changes now.

PayRewards lets you pay commercial rent with a credit card—even when your landlord doesn’t accept cards. You choose your payment method, we handle delivery to your landlord’s account, and you earn points on every dollar.

Your landlord gets paid the way they want. You get the rewards you deserve.

Turn monthly lease payments into reward points

Your property manager wants ACH. Your business credit card earns points. Those two things don’t usually connect.

PayRewards bridges that gap.

You submit your business rent payment through our platform using Visa, Mastercard, or American Express. We process it and send funds directly to your landlord via ACH, wire, or check—whatever works for them. The payment arrives in 2–3 business days.

Nothing changes on their end. Everything changes on yours.

The math on commercial rent rewards

Let’s look at real numbers.

Take a design agency in Atlanta paying $5,200 monthly for studio space. That’s $62,400 annually going to a landlord who won’t touch plastic.

The agency owner uses a Capital One Spark Cash card earning 2% back on all purchases. Running that commercial lease through PayRewards generates $1,248 in cash back every year.

Add the PayRewards Points Plus tier (2 points per dollar), and the agency earns an additional 124,800 PayRewards Points. Those transfer 1:1 to airline partners.

One year of business rent payments could fund multiple round-trip flights or premium hotel nights.

Three reasons to pay your office rent with a credit card

• Cash flow breathing room. Your card’s billing cycle creates a buffer between when you pay and when funds actually leave your account. Most business cards offer 25–55 days before payment is due. That timing can smooth out irregular revenue cycles or seasonal dips.
• Hitting bonus thresholds fast. Many business cards offer signup bonuses after spending $5,000 or $10,000 in the first few months. Commercial rent gets you there in one or two payments instead of months of accumulated purchases.
• Cleaner books. One monthly credit card charge replaces multiple payment confirmations, check copies, or ACH receipts. Your bookkeeper will thank you.

Other business expenses that earn points

Commercial lease payments are just the start.

PayRewards handles vendor invoices, utility bills, insurance premiums, and equipment purchases. We process payments to contractors, advertising platforms, and SaaS subscriptions.

If you currently pay it by check or bank transfer, you can likely earn points on it through PayRewards.

What it costs

PayRewards pricing is straightforward.

Credit card payments cost 2.9% per transaction. That covers fraud protection and processing for all major card networks.

If you fund payments through your bank account via ACH, there’s no processing fee. You’ll only pay delivery charges: $16 for wire transfers, $5 for paper checks.

The PayRewards Points program adds another option to earn rewards faster. Choose your earning rate:

• Core: Pay 1.75% to earn 1 point per dollar
• Plus: Pay 3.25% to earn 2 points per dollar

When you pay with a credit card, PayRewards Points stack on top of your card rewards. When you fund with ACH, the tier fee is your only cost.

Run the numbers based on your card’s earn rate and your annual rent spend. For most businesses paying significant commercial rent, the rewards outweigh the fees.

Getting set up

You can onboard your business in minutes.

Create a PayRewards account and verify your business details. Add your landlord as a payee with their payment details. Choose your funding method and delivery preference. Submit your first payment.

You’ll earn rewards from day one.

Most businesses schedule recurring payments for their commercial lease, so rent goes out automatically each month. Set it once, earn points forever.

Written by PayRewards

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