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Folks expressed concern they’d no longer earn cash back from RadPad because of an email update PayPal sent about which types of purchases count.
But it’s still working as an easy way to get free money each month when you pay your rent!
I’ll help you make the most of this service. And show you how to use RadPad to earn miles & points!
Link: RadPad FAQs
Or, you can pay a fee to pay with a credit card – more on that in a bit!
Your landlord does NOT need to make an account. Because she or he simply gets a check in the mail from RadPad with your information on it. And they can cash it like any other check.
It only takes ~2 minutes to sign-up. To get started, fill in your rent amount, due date, and email on the RadPad website.
Note: You can NOT use RadPad to pay other bills, your mortgage, or HOA dues.
Get an Easy 1% Cash Back!
When you pay your rent via RadPad with the PayPal Business Debit Card, you earn 1% cash back. Because it counts as a purchase.
Some folks expressed concern they’d no longer earn cash back from RadPad because of recent updates to how PayPal processes what counts for cash back.
But 2 of my friends have had success earning cash back this month!
One friend already received an email from PayPal confirming he earned cash back from a RadPad purchase this month.
And another person I know also earned 1% cash back from RadPad. PayPal categorizes RadPad rent payments as “purchases eligible for cash back.”
So, this is still an easy way to get a rebate on your rent payment!
Earn Miles or Points, and Meet Minimum Spending Requirements!
RadPad recently recently lowered their fee on MasterCard credit card payments to 1.99%. I wrote about why it might be worth it to pay with a credit card to help meet minimum spending requirements. Or to earn extra miles and points!
You’ll offset the 1.99% fee if you’re able to get a value of more than ~2 cents per mile or point you earn (such as redeeming them for Business or First Class flights). So you’ll come out ahead using RadPad and MasterCard!
Here are some MasterCards that work with RadPad that you might consider if you need to meet their minimum spending requirement. Or want to earn more miles or points:
- Barclaycard Arrival Plus
- Chase IHG Rewards
- Citi® / AAdvantage® Executive World Elite™ MasterCard®
- Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®
- Citi ThankYou Premier
- Citi Prestige
And depending on how you like to use your miles & points, it could be worth using RadPad on a regular basis (not just to meet minimum spending requirements) to earn more Big Travel.
For example, you’ll always come out ahead with the Barclaycard Arrival Plus card. Because you’ll earn 2 Barclaycard Arrival miles per $1 spent. And you’ll get 5% of your miles back when you redeem them for travel purchases of $100+.
So you’ll pay ~$20 for each ~$1,000 you spend on RadPad as a fee. But you’ll earn 2,000 Barclaycard Arrival miles. And when you redeem them, you’ll get back 100 miles.
If you’re close to earning the required 10,000 miles to cover a travel purchase of $100+, using RadPad could make sense.
Paying rent on RadPad with the PayPal Business Debit Card is a fantastic way to earn extra cash back each month for something you’d have to pay anyway.
There was concern that PayPal had changed their rules. But I’m happy to report purchases made on RadPad still earn cash back!
And, if you want to earn more miles and points, or meet minimum spending requirements, you can use a MasterCard like the Barclaycard Arrival Plus or Citi ThankYou Premier. But keep in mind you’ll have to pay a 1.99% fee.
It’s not worth it all the time. But you can come out ahead, depending on how you like to redeem your miles.