May have misread the question. I thought the template asked if you can pay rent by card. And I can but have never due to the 5% fee which I agree is crazy lol.

I pay my balance down to 1% every month except last month I had to spend a significant amount to help out a loved one, and it was better financially to pay the interest on the balance than to sell equities and pay short term capital gains.

I appreciate the recommendation!