Join Piñata for $5/mo and automatically be entered to win YEAROFFREERENT! Learnmore>
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.
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
You can build your credit score by 150 points*
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 Nov2022 and Jan2024.
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
Rent reporting
Back reporting
Rewards points
Deals marketplace
Weekly giveaways
The Value
$60 a year on the market
$25 with competitors
$100+ in yearly rewards
$1,000+ in yearly savings
$2,000 given away weekly
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.
Only
Join Piñata
The Piñata Membership
Rent reporting
Back reporting
Rewards points
Deals marketplace
Weekly giveaways
The Value
$60 a year on the market
$25 with competitors
$100+ in yearly rewards
$1,000+ in yearly savings
$2,000 given away weekly
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 >
What do I get with a membership?
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!
Is there a free Piñata membership?
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!
Does my landlord need to be a Piñata member?
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!
Do I pay rent with Piñata?
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!
How does credit building work?
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!
What if I am late with my rent payment? Is it also reported?
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.
Is Piñata secure?
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
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