Can you pay Select Portfolio Servicing (SPS) with a credit card?
No. It does not take credit cards.
Stated on Select Portfolio Servicing's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay Select Portfolio Servicing (SPS)
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Phone payments at 800-258-8602 are withdrawn from a bank account. The fee is up to $5 on the automated system and up to $15 with a representative. Online bank account, check, Western Union, wire and guest payment are also listed; none lists cards. |
| Bank account (ACH) | Yes | $0.00 | Automatic payments from a bank account are marked No Fee. A one-time online bank-account payment may incur a fee of up to $5. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Select Portfolio Servicing (SPS) by bank transfer or check. Not affiliated with Select Portfolio Servicing (SPS). |
| 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 Select Portfolio Servicing (SPS) 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
Pay-to-pay fees run up to $5 online or on the automated phone line, and up to $15 with a rep. Free only through autopay or a mailed check.
Sources
Credit and debit cards are not accepted.
www.spservicing.com · checked October 19, 2026The funds are automatically deducted from your bank account each month.
www.spservicing.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.
Something changed? Tell us
Other mortgage servicers
- Alliant Credit Union Mortgage · Debit only
- AmeriHome Mortgage · No credit cards
- Arvest Central Mortgage Company · No credit cards
- BMO Mortgage (formerly Bank of the West) · No credit cards
- Bank of America Home Loans · No credit cards
- Carrington Mortgage Services · No credit cards
- Chase Home Lending · No credit cards
- 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.