Best credit card for PennyMac

The Bilt Blue Card earns the most at PennyMac: about 2.0% back.

Best overall

No annual fee

2.0%

1x points

counts as Mortgage · 0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.

Best with no annual fee

Bilt Blue Card

No annual fee

2.0%

1x points

Best of your cards Add your cards to see yoursTakes 30 seconds. No account, no bank login.

Every card ranked at PennyMac

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1
Bilt Blue Card
No annual fee · counts as Mortgage · 0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.
2.0%
1x points
2
Bilt Obsidian Card
$95/yr · counts as Mortgage · 0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.
2.0%
1x points
3
Bilt Palladium Card
$495/yr · counts as Mortgage · 0.5X–1.25X depending on how much you spend on everyday purchases vs. your housing payment (1X at 75%), or up to 1X by redeeming Bilt Cash. No fee to pay rent or mortgage through Bilt.
2.0%
1x points
4
American Express® Gold Card
$325/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
5
Capital One Quicksilver Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
6
American Express® Green Card
$150/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
7
Chase Sapphire Reserve®
$795/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
8
Chase Freedom Flex®
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
9
Marriott Bonvoy Bountiful™ Card
$250/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
10
Blue Cash Everyday® Card from American Express
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards

Show all 87 cards

11
Capital One SavorOne Cash Rewards Credit Card
$39/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
12
Capital One Venture Rewards Credit Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
13
U.S. Bank Altitude® Go Visa Signature® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
14
Discover it® Cash Back
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
15
SoFi Unlimited 2% Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
16
Bank of America® Premium Rewards® Elite Credit Card
$550/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
17
AT&T Points Plus® Card from Citi
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
18
Southwest Rapid Rewards® Plus Credit Card
$97/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
19
United℠ Explorer Card
$150/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
20
Hilton Honors American Express Surpass® Card
$150/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
21
United Club℠ Card
$695/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
22
Hilton Honors American Express Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
23
Bank of America® Travel Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
24
Marriott Bonvoy Bevy™ American Express® Card
$250/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
25
United Quest℠ Card
$350/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
26
Wyndham Rewards Earner® Plus Card
$75/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
27
Marriott Bonvoy Bold® Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
28
Citi Strata Premier℠ Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
29
Bank of America® Premium Rewards® Credit Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
30
Amazon Prime Visa
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
31
Costco Anywhere Visa® Card by Citi
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
32
Citi® / AAdvantage® Globe™ Mastercard®
$350/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
33
Navy Federal More Rewards American Express® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
34
Delta SkyMiles® Blue American Express Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
35
Delta SkyMiles® Gold American Express Card
$150/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
36
PenFed Platinum Rewards Visa Signature® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
37
IHG One Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
38
Apple Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
39
JetBlue Plus Card
$99/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
40
Delta SkyMiles® Reserve American Express Card
$650/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
41
Citi® / AAdvantage® Executive World Elite Mastercard®
$595/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
42
Cashback Rewards Plus American Express® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
43
American Express® Blue Cash Preferred® Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
44
Wells Fargo Autograph℠ Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
45
Atmos™ Rewards Ascent Visa Signature®
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
46
Citi Strata Elite℠ Card
$595/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
47
Discover it® Miles
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
48
Citi Double Cash® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
49
Wells Fargo Active Cash® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
50
Bank of America® Customized Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
51
Capital One VentureOne Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
52
Barclays View™ Mastercard®
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
53
Marriott Bonvoy Brilliant® American Express® Card
$650/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
54
Citi Strata℠ Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
55
Southwest Rapid Rewards® Premier Credit Card
$99/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
56
Chase Sapphire Preferred® Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
57
World of Hyatt Credit Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
58
Delta SkyMiles® Platinum American Express Card
$350/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
59
Marriott Bonvoy Boundless® Credit Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
60
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
$99/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
61
Hilton Honors American Express Aspire Card
$550/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
62
Bread Cashback® American Express® Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
63
Chase Freedom Unlimited®
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
64
United Gateway Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
65
QuicksilverOne Rewards
$39/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
66
Chase Freedom Rise® Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
67
U.S. Bank Cash+® Visa Signature® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
68
Southwest Rapid Rewards® Priority Card
$229/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
69
IHG One Rewards Premier Credit Card
$150/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
70
Capital One Savor Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
71
Navy Federal Flagship Premier Visa Signature
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
72
IHG One Rewards Premier Select Credit Card
$350/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
73
Capital One Venture X Rewards Credit Card
$395/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
74
Bank of America® Unlimited Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
75
Wells Fargo Autograph Journey℠ Card
$95/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
76
Discover it® Chrome Gas & Restaurants Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
77
OnePay CashRewards Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
78
Robinhood Gold Card
$50/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
79
Robinhood Platinum Card
$695/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
80
Wells Fargo Reflect® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
81
Citi Simplicity® Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
82
Discover it® Secured Cash Back
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
83
Discover it® Student Cash Back
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
84
Discover it® Student Chrome
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
85
Capital One Quicksilver Secured Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
86
Capital One Savor Student Cash Rewards Credit Card
No annual fee · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards
87
The Platinum Card® from American Express
$895/yr · counts as Mortgage · Paying this by card usually means a ~3% fee, which wipes out the rewards
0.0%
No rewards

Rates are effective value per dollar (points × what a point is worth to you). Rankings reflect PayWithThis’s own methodology; we’re independent and not paid by issuers. Verify current terms with the issuer.

Common questions

What's the best credit card to use at PennyMac?

The Bilt Blue Card earns the most at PennyMac: about 2.0% back.

What do purchases at PennyMac count as for credit card rewards?

Purchases at PennyMac usually code as Mortgage. Mortgage payments.

Which of my cards should I use at PennyMac?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at PennyMac.

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