Paying rent with a credit card isn’t always straightforward — or even advisable. Most landlords prefer bank transfers or standing orders, and many charge processing fees if they do accept credit cards. So while it is possible to pay rent with a credit card, it’s not always an option and not always a sensible one.
But there is a clever workaround for people who split rent with a partner or housemates:
you can pay rent with a credit card when you’re using Cino to share the expense.
If your landlord or letting agency accepts card payments for rent or bills, Cino makes it easy for everyone in the household to link their own credit card to your shared virtual card — meaning you can earn credit card points or cashback on one of your biggest monthly expenses, while splitting the cost fairly and automatically.
Here’s how it works.
Cino is a bill-sharing app that splits payments instantly using a shared virtual card. Instead of one person paying the full amount and the others transferring their share later, everyone’s portion is deducted from their own card the moment the payment is made.
That means:
It’s the most seamless way for couples and housemates to share rent, utilities, groceries, takeaways and every other household expense.
Because it actually removes the admin — rather than reorganising it.
For many people, Cino becomes the single, central place to handle every shared cost.
Here’s where it gets interesting.
Most people can’t pay rent with a credit card because their landlord only accepts bank transfers. But if your landlord, rental platform or agency does accept debit or credit card payments, Cino unlocks a new way to pay rent — and earn rewards while doing it.
If your landlord accepts card payments, Cino becomes the simplest, cleanest way to:
That last point is the real win.
Rent is often your largest monthly cost. Most people can’t use a credit card for it — meaning they miss out on:
By linking your credit card to your Cino shared card (when your landlord accepts card payments), you can turn your rent into a rewards-generating transaction every month.
The same is true for other bills:
Anything you can pay with a card, you can use Cino to split — and route through your credit card if you want to accelerate your rewards.
That includes travel points, cashback or hitting a welcome bonus that requires a certain spend.
This is one of the biggest reasons couples and housemates are adopting Cino: shared bills become a reward-earning opportunity rather than a chore.
If you paid rent on a credit card alone, you would still need to chase everyone else to pay you back. That means you’re:
With Cino:
✔ You pay your share
✔ They pay theirs
✔ All instantly
✔ No stress or admin
The bill is balanced at the moment it happens — and you still earn the rewards.
Paying rent with a credit card won’t be possible for everyone. It only works if your landlord or letting agent accepts card payments instead of bank transfers. But if they do, Cino gives you an easy, automated way to split rent and household bills using credit cards — and unlock rewards on payments that normally sit outside the card ecosystem.
For couples and housemates, it’s the smartest way to:
If you’re looking for a bill-sharing app that makes shared living simpler and more rewarding, Cino is the clear winner.
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