Piñata:Build Credit and
Earn Rewards
Every Month
or download the app
A Good Credit Score Unlocks Better Financial Opportunities.
Your credit score determines the rates, approvals, and limits that shape your financial life. Here’s what building a stronger score gets you:
Better Lease Terms
A higher credit score improves apartment and auto lease approval odds and can reduce security deposit requirements.
Lower Loan Interest Rates
Borrowers with good credit pay significantly less over the life of personal loans and auto loans.
Premium Credit Cards
A credit score above 700 qualifies you for cards with higher limits, lower APRs, and stronger cashback or travel rewards.
Lower Mortgage Rates
A good credit score can save you tens of thousands of dollars in interest over a 30-year home mortgage.
Your Rent Payment Is Your Largest Monthly Expense.
Make It Build Your Credit.
Most landlords don’t report rent to credit bureaus — so renters miss out on credit-building opportunities every month. Piñata fixes that. Sign up and start turning every on-time payment into lasting credit score progress.
What Sets Piñata Apart.
Piñata automatically reports your on-time rent payments to the major credit bureaus as you sit back and watch the rewards pile up.
Build Credit with Rent Reporting to All 3 Bureaus.
Rent Reporting to All 3 Major Credit Bureaus
Every on-time payment is reported to the three bureaus lenders rely on most: Experian, Equifax, and TransUnion.
Free Rental History Back-Reporting
Piñata includes up to 24 months of back-reporting at no extra charge. Competitors charge $25 or more for this step alone.
Credit Score Monitoring & Education
Track your credit score in real time and build financial knowledge through Piñata's dashboard and education hub.
Earn Renter Rewards Just for Paying Rent.
Piñata members earn points every month that can be redeemed for gift cards, home products, and everyday essentials—automatically, with no extra effort.
Earn $100+ in Annual Rewards
Redeem points for gift cards and curated products across home, family, and lifestyle categories.
Monthly Prize Giveaways
Enter to win prizes including free rent, electronics, and major retailer gift cards.
Exclusive Member Deals Marketplace
Save hundreds on the things you buy every day with Piñata's deals marketplace. Plus, earn points with every purchase to fast-track your next reward.
The Piñata Membership
The Value
Rent reporting
$60 a year on the market
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.
Back reporting
$25 with competitors
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.
Rewards points
$100+ in yearly rewards
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!
Deals marketplace
$1000+ in yearly savings
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.
Weekly giveaways
$2000 given away weekly
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.
Point Breakers!
As seen in:
Start Building Credit with Rent for $5/Month.
Piñata reports your rent payments to all three credit bureaus and rewards you with monthly points—for just $5/month. Members use their improved credit scores to qualify for better car leases, credit cards, home mortgages, and personal loans.
Your rent is already your biggest monthly expense. Put it to work.
What do I get with a Piñata membership?
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?
No. Piñata is not a rent payment platform. You continue paying rent exactly as you do today. Piñata securely verifies your rent payments through our trusted partner, Plaid, and then does the rest: reporting eligible payments to the credit bureaus, helping you build credit, and rewarding you for being a responsible renter. No changes to how you pay rent. Just more value from the rent you’re already paying.
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.