Paying car lease with credit card, ideally American Express?

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Paying car lease with credit card, ideally American Express?

Postby stephejo » Sat May 21, 2011 12:25 pm

I want to pay my car lease by credit card auto payment each month to rack up more miles on my AMEX Delta Reserve card. BMW will not allow credit card auto payment of lease payments, only bank accounts.

I would choose the make of my next lease based on this ONE CRITERION.

Does anyone know any??


(new member-- I did a search for the answer here first)

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Postby NYC_Dweller » Tue May 24, 2011 3:04 pm

I know BMW, Mercedez and Infiniti require bank account payments only (this is after down payments and deposits). I am not sure about other car manufactures since I don't have personal experiences with them. However, I am pretty sure they will all require a payment form that is linked to your banking account. This is from a financing experience and not leasing.

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Postby jeffysdad » Tue May 24, 2011 3:17 pm

You aren't going to find any dealer/manufacturer willing to debit your credit card for lease payments. Doing so would cost them at least $300/year in interchange and other CC-related fees, and that's based on a relatively modest three-year lease, by my calculations.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby danpass » Wed May 25, 2011 1:21 pm

like you, I'm trying to get everything onto my AMEX, essentially using it as a delayed debit card while racking up points.
(I'd been using my Paypal debit a lot for years now).

So far the car insurance will take VMC but not AMEX and the student loans only do ACH. But everything else I had on debit is good to go lol :D

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Postby MFR » Thu May 26, 2011 10:52 am

There is a company called 'Charge Smart' where you can pay your car lease or loan using credit cards from Visa, Mastercard and Discover but no American Express.

(I'm copy and pasting here) Mercedes, BMW, Harley Davidson, Mitsubishi, Nissan, Toyota, Lexus, Honda, Ford, GM, Hyundai, Chrysler, Volkswagen, Volvo and most private lenders like Bank of America, Citifinancial Auto Lending, Wells Fargo, Chase Auto Lease and more.

There is a fee for the service though that varies by company. That means your rewards might be a wash.
Primary Card: Amex Platinum (business version but used for personal, hoping to qualify for Centurion within 12 months)
Other Cards: BofA Cash Rewards Visa Signature (don't use b/c poor rewards), KeyBank Platinum (don't use for same reason), Amazon Visa (only use for Amazon)

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Solution to all problems

Postby aarag013 » Sat Nov 29, 2014 8:36 am


after searching for weeks, I came upon this website and it allowed me to pay my lease payment for my BMW with my mastercard credit card. They accept AMEX as well, basically any major card.

Happy thanksgiving.


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Re: Paying car lease with credit card, ideally American Express?

Postby alsante1 » Thu Jun 04, 2015 9:36 am

How can I be sure that they (chargesmart) will make the lease payments?
Do I just have to take a leap of faith and give them the cc info and wait?

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Re: Paying car lease with credit card, ideally American Express?

Postby Vermonster » Thu Jun 04, 2015 12:21 pm

This is quite an old thread so things may have changed. But honestly I wouldn't trust another place to make a payment for me. Noting could damage my livelihood more than having a car repossessed.

Plus most banks will offer a percent discount if you set up autopay from a checking account. We got 0.25% decrease on our APR which isn't bad.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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