One Day Left to Pay Any Bill With a Credit Card for Just 1.5% Fee and Earn Miles, Meet Minimum Spend

Key link: Plastiq special 1.5% bill payment offer

I’ve written about the different offers from Plastiq to pay bills with your credit card (they charge your card, mail a check to your payee).

Their offer of just a 1.5% fee (their usual fee is 2.5%) when making any payment of $500 or more with a MasterCard ends tomorrow (Tuesday October 13). You can schedule as many future payments as you wish, however, and receive that 1.5% fee — as long as you do it by tomorrow. Plastiq says this is their last currently-planned promotion.

1.5% is a huge offer that makes sense to me for:

  1. Meeting minimum spend requirements for a signup bonus.

  2. Spending enough on a card to earn a spending threshold.

  3. Everyday spend, if you have the right card or if you need to top off for the right award. At 1.5% even an airline co-branded MasterCard probably makes sense.

Even at 1 mile per dollar (unbonused spend) you can buy as many miles at 1.5 cents apiece as you have bills — or even can prepay bills, or schedule out bills into the future.

What Bills Can You Pay With Plastiq?

Plastiq will let you pay an US or Canada business or person for any amount. The only restriction is that the payment has to be for a good or service. You can pay an individual person, for instance, if they’re your landlord and you’re paying them rent or if they are your contractor or landscaper.

Just don’t try to pay yourself, a spouse, or another person just to send money (a “peer to peer transfer”), that’s not allowed, and I’ve seen reports of some individuals receiving payment being asked for documentation that there was a bona fide good or service involved for which they’re being paid. It’s not like the ‘good old days’ where you could send $5000 to your spouse for free with Google Wallet, and they could send you the same back.

While you can pay bills with credit cards issued outside the US and Canada, payment recipients need to be in either of those countries.

They don’t allow payments to credit card companies, either (so you can’t pay your credit card bill with a credit card) and no “trust/retirement accounts” either.

Frequently Asked Questions

Will this code as a purchase or cash advance?

I have not heard of any payments coding as a cash advance. Plastiq does flag one possible instance:

For the vast majority of payments, these are not coded as cash advances. The instances that are are if you’re paying specific Canadian merchants with a Visa card. If you are doing this, please email to determine if it will fall under this

Can you pay bills with a gift card or debit card?


I heard it can take awhile to pay someone.

That’s not a question. But some transactions get flagged and require additional information. This is especially true if you’re paying an individual. Say your landlord is a person not a company, they may contact you wanting a copy of your lease. They aren’t a peer-to-peer payments service and are coding transactions as purchases, they need to keep their paperwork good to continue being able to process bill payments like this, and at low rates. And process could take a few days once you provide the documentation they’re looking for. I don’t advise paying bills, especially the first time with a business, close to the due date. Remember that even if you aren’t paying an individual, as long as you aren’t giving them electronic transfer information, they’re mailing a check.

For avoidance of doubt I will not benefit from your signing up with Plastiq or scheduling bill payments through them.

Key link: Plastiq special 1.5% bill payment offer

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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  1. Great blog but ages since you did any trip reports.

    Have you stopped doing reports?

    Best regards


  2. @Paul I have a couple of hotel reports in the queue and plan to write reports of two upcoming trips — Bangkok and Doha onboard the A380 first class products of Emirates, Etihad, and Qatar… and a second Etihad First Apartment report that will also feature premium cabins of China Eastern and flyDubai. Sadly most of my travel the past few months has been of the mundane variety. Lots of domestic segments and mid-market city hotels…

  3. Before you rush out and pay with Plastiq as I almost did, check the options with the company you are paying. PG&E for example charges a fixed $1.25 fee for MC, VI or DS payments. And you have the advantage of paying directly with the company for easier proof of payment.

  4. gary,
    The 1.5% link does not seem to work. I have setup my account today and scheduled some tuition payments and will likewise do a bunch of real estate tax payments scheduled for December, 2016.
    I wrote Plastiq and cited your article so they can respond to my query. They are closed for Columbus day though.

  5. I have student loan payments that I can not otherwise pay with credit card. Is it worth using my premier or prestige card to make payment in order to earn TY points or is it a lost at 1.5%? My other MCs are citi AA plat and Barclays arrival plus (The barclays card I am likely going to get rid of in Jan so that is probably out).

  6. I don’t see any mention of 1.5% after clicking through, either. And is there a maximum transaction amount allowed?

    @askmrlee: As I understand it, Plastiq processes the credit card, not PG&E. They get a check or EFT. You would not have to pay the $1.25 fee.

  7. @Tim I don’t see anything about it either, but when I fill out my bill payment info and select MC the rate changes to 1.5% automatically. I’m not sure what the max transaction is or if there is one. I have done a little over 2k at one time in a single payment and that was fine.

  8. Thanks for the reply.

    Would be useful to chat again – UK couple here based in Malta looking for advice to maximise points, at present we mainly buy revenue tickets and always fly business class, always.

    We really require a good agent to book hotels and flights for us.

    Best regards


  9. Sadly this ended before today… I did one yesterday for my mortgage and it was at 1.5% but when I add my car payment today its at 2.5%… That is too much for me so I’ll cancel it. I took it all the way to be added to be sure it didn’t reduce at some point back to the 1.5%..

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