Mark Harris for BuzzFeed News

Each month, Jack Lamarre, a 24-year-old social media manager in San Francisco, pays his $2,600 rent using his credit card. As a TikToker incentivized by credit card rewards, he was eager to get something in exchange for paying his landlord on time. So he signed up for a new Wells Fargo credit card that encourages people to use their credit cards for rent, including a workaround to dodge the transaction fee that many landlords charge for credit card payments. Cardholders get points that they can use on travel, shopping, or future housing payments. Users must charge more than their rent to the card — they need to put at least five total transactions on it each month to get the points — so Lamarre also uses the card for coffee and some app subscriptions.