Can you pay Citizens Bank Mortgage with a credit card?
No. It does not take credit cards.
Based on the payment methods Citizens Bank Mortgage publishes; where it lists no card option, we read that as no.
Last checked October 19, 2026 by Bill Router; spot-checked by a person October 20, 2026. How we check
Ways to pay Citizens Bank Mortgage
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Payment options are online or mobile (one-time or recurring ACH), phone at 800.234.6002, and mail. No card option is listed. Fee amounts are not listed here; a separate 'Common Servicing Fees' section is linked. |
| Bank account (ACH) | Yes | Free | One-time electronic payment and recurring automatic ACH payments from a bank account. The fee is not published. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Citizens Bank Mortgage by bank transfer or check. Not affiliated with Citizens Bank Mortgage. |
| Bilt | With a Bilt card | No fee | Bilt pays housing from your bank account, not your credit line, and earns points when your other card spending unlocks them. How Bilt works |
What it is worth for your mortgage payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Citizens Bank Mortgage for you) | $60.79 | −$249 |
| Bilt (from your bank, no card fee)Earns Bilt points unlocked by your other card spending; see the calculator. | $0 | $0 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 1 mortgage payment of $2,000 by card for about $61 in fees, reach the Chase Sapphire Preferred bonus, and keep about $594 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
Watch out for
Funds must be in the bank account at withdrawal. No card option is listed.
Sources
Call 800.234.6002 to make a payment over the phone.
www.citizensbank.com · checked October 19, 2026Set up automatic recurring payments, including monthly and biweekly payments.
www.citizensbank.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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- Citadel Credit Union Mortgage · Debit only
See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.