Meet Piñata:
Pay rent.
Get rewards.
Build credit.

For every rent payment, Piñata builds your credit score and rewards you every step of the way. Download the app and join for only $5/mo!
Prefer to join on the web? Sign up now!

We report your rent payments to all three major credit bureaus so you get maximum impact.

   As seen in:

“I’m already paying rent so why shouldn’t I get the long-term financial benefits?”

With Piñata, you can build your credit score and earn monthly points to redeem from our curated rewards—all for just $5 a month. A strong credit score means better deals on car leases, credit cards, home mortgages, and qualifying for loans.

Build Credit

Increase your credit score with your rent payments!

Rent Reporting

Piñata reports your on-time rent payments to all three major credit bureaus for “maximum impact.”

Free Back Reporting

While other charge upwards of $25, Piñata includes this vital first step to improving your credit score.

Track your progress

Monitor your credit score and gain valuable insights with our dashboard and education hub.

*Based on a sample of users taken between Nov 2022 and Jan 2024.

Get Rewards

Unlock awesome rewards and gift cards every month!

Get $100+ Rewards

From day one, you earn points to spend on gift cards and curated products for home, family and life.

Win Epic Giveaways

Enter to win epic prizes like a Samsung Smart TV, a month of free rent or a shopping spree at Target

Save On Expenses

Our deals marketplace gives you more ways to save on everyday items from groceries to automative and everything in between.

Meet Piñata Pay!

The no-fee debit card for renters!

Piñata’s No-Fee Checking Account is part of your Piñata Membership and will change everything about how you pay rent!



Win game-changing giveaways
Get tickets to win mega prizes for every $1 you deposit. Every month, Piñata Pay gives away prizes like a state-of-the-art kitchen or home theater makeover.

Get rewards for everything you buy!
It’s simple: Get cash back or Piñata Points to use for rewards you know and love.

So, how does this all add up?

Only

$5
monthly
Join Piñata

The Piñata Membership

The Value

Rent reporting through Piñata helps you build your credit score by reporting your monthly rent payments to major credit bureaus. This can have a significant impact on your credit history and help you qualify for loans or lower interest rates.

Piñata offers back reporting for past rent payments, meaning it can help you boost your credit score even for past payments. This service is invaluable if you’ve been paying rent consistently but haven’t had the chance to build your credit until now.

Earn reward points every time you pay your rent. These points accumulate over time and can be redeemed for various perks and benefits, including gift cards, discounts, and more. The more you pay, the more you earn!

Access a marketplace full of exclusive deals and discounts. With Piñata, you can save on everything, thanks to the partnerships with major brands offering significant savings on various products and services.

Piñata hosts weekly giveaways, giving you the chance to win big! Each week, $2,000 is given away through exciting, engaging contests and prizes. Don’t miss out on your opportunity to win by simply being part of the Piñata community

Building your financial future is serious business. 


That’s why you’ll pay a yearly rate instead of a monthly, so that we can build your credit score in a stable, secure way.

Frequently
Asked Questions

Still have questions?
No worries we are here to help you.
Contact us >
Your membership gives you credit reporting to all 3 major bureaus, points every rent day to spend in our rewards shop and a no-fee checking account, Piñata Pay. You’ll also get access to big ticket giveaways and special offers from our partners to save on everyday expenses!
We have a free “limited rewards-only” version of Piñata. This gives you a chance to start your Piñata rewards journey! However, this membership misses out on the full Piñata experience, like credit building, premium rewards, giveaways and more. Never fear, you can upgrade from the free membership at any point!
Nope! If your landlord is part of Piñata, then you already have an account waiting for you. If your landlord is not part of Piñata, you can create an account on your own anytime!
Your Piñata membership gives you access to Piñata Pay, the most rewarding way to pay rent! This no-fee checking account gives you rewards when you save and rewards when you spend. It’s the benefits of a credit card without going into debt! Although you don’t need to use Piñata Pay to pay rent, it’s sort of a no-brainer to use it as your source of payment and get more back for rent!
Every month, we report your rent payment to all three major credit bureaus: Experian, TransUnion and Equifax. This ensures that no matter where someone checks your score, they’ll get a score with your rent payments included! The boost people see from this varies, but our renters have seen an average 60 point increase in the 1st year of reporting!
Rest assured, we only submit on-time rent payments to the credit bureaus. However, know that your property manager/landlord is always able to directly report missed payments to credit bureaus, regardless of if they’re part of Piñata.
We encrypt all key personal data and only use trusted partners like Stripe and Plaid, which are used by major banks and other financial institutions. Piñata can never see users’ personal information or access bank account credentials.

Piñata for Landlords

Level up your renter relationships and create custom incentives for your renters.

Become a Piñata property manager

Piñata for Brands

Connect to new customers through our reward experiences.

Become a Piñata partner

Piñata on Instagram

Follow us @pinata.ai