Rent & Bills
Rent is the largest payment most UK households make, and almost none of it earns anything, because landlords and letting agents take bank transfer. Card-payment platforms exist to bridge that gap: they charge your card, then pay the landlord by ordinary transfer, for a percentage fee. The reward-led question in this sector is unusually blunt, because the fee is certain and the benefit is not. A percentage of four-figure rent is real money, so we publish the fee beside the reward every time and say plainly which side of the arithmetic a new joiner lands on. Payr is the UK platform we cover.
What to look for here
- The percentage fee is stated in cash terms against realistic UK rents
- Whether the new joiner receives anything is answered directly, not implied
- The landlord or agent needs to do nothing and pays nothing
- Accepted card networks are listed, including American Express
- Onboarding requirements are published before you start, not after
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Rent questions
Does a new Payr user get a welcome bonus?
No. Payr's invite programme pays £30 to the person who invited you once you complete three payments, and Payr publishes no joining bonus for the new tenant. What a new user gets is the service itself — the ability to put rent on a card, including Amex, where the agent only accepts bank transfer.
What does paying rent by card actually cost?
Payr charges a 1.99% payment execution fee on every payment, shown in the total before you confirm. That is £19.90 on £1,000 of rent and £29.85 on £1,500 — roughly £240 to £360 a year on a typical tenancy.
When is it worth paying a fee to put rent on a card?
Mainly when the spending is doing a second job: clearing a credit card's welcome-bonus minimum spend, or covering a genuine short-term cashflow gap more cheaply than an unarranged overdraft. On ordinary rewards earn rates, the fee costs more than the points return.