Can you pay Planet Home Lending with a credit card?
No. It does not take credit cards.
Based on the payment methods Planet Home Lending 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 Planet Home Lending
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Payment options are online electronic payment draft, automated phone system, mail or overnight check or money order, and AutoPay. No card option is listed. No fee is listed for phone payments. |
| Bank account (ACH) | Yes | $0.00 | AutoPay (automatic monthly bank-account deduction) is free. One-time online electronic payment draft is also available; no fee is listed. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Planet Home Lending by bank transfer or check. Not affiliated with Planet Home Lending. |
| 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 Planet Home Lending 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
Planet does not say cards are refused; cards are simply not among the listed methods (bank draft, phone, check).
Sources
Call 1 (866) 882-8187 to make a payment via Planet’s automated phone system.
planethomelending.com · checked October 19, 2026AutoPay service is FREE!
planethomelending.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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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.