{"id":6537,"date":"2023-02-20T20:30:43","date_gmt":"2023-02-20T20:30:43","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/02\/20\/plastiq-review-how-to-earn-more-points-and-pay-lower-fees-the-points-guy\/"},"modified":"2023-02-20T20:30:43","modified_gmt":"2023-02-20T20:30:43","slug":"plastiq-review-how-to-earn-more-points-and-pay-lower-fees-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/02\/20\/plastiq-review-how-to-earn-more-points-and-pay-lower-fees-the-points-guy\/","title":{"rendered":"Plastiq review: How to earn more points and pay lower fees &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><em>Editor\u2019s note: This is a recurring post, regularly updated with new information.<\/em><\/p>\n<hr class=\"jsx-924131068\"\/>\n<p>If maximizing points and miles on big purchases is your game, <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26673162%26cr%3D27840%26last_updated%3D1595032147\" target=\"_blank\" rel=\"noopener\">Plastiq<\/a> can help you get there. The payment platform is popular among those looking to earn rewards on expenses that normally can\u2019t be charged to a credit card. We\u2019re talking about <a href=\"https:\/\/thepointsguy.com\/guide\/paying-rent-credit-card\/\" target=\"_blank\" rel=\"noopener\">rent and mortgage payments<\/a>, <a href=\"https:\/\/thepointsguy.com\/guide\/paying-taxes-credit-card\/\" target=\"_blank\" rel=\"noopener\">taxes<\/a>, <a href=\"https:\/\/thepointsguy.com\/guide\/college-tuition-credit-card\/\" target=\"_blank\" rel=\"noopener\">tuition<\/a>, a new car and pretty much everything in between.<\/p>\n<p>But before you get too excited about the miles you\u2019re going to earn paying your kid\u2019s college tuition, keep in mind that Plastiq does charge a fee. There are also restrictions on the type of payments you can make with specific credit cards. Below, we&#8217;re covering some workarounds for these issues along with everything else you need to know about Plastiq.<\/p>\n<p><a id=\"what-is-plastiq\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">What is Plastiq?<\/h2>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.640625%\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2018\/02\/what-I-wish-I-knew-about-points-and-miles.jpg?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">Paying bills online. HERO IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Plastiq is a payment platform that allows you to pay and accept pretty much any bill with a debit or credit card. It\u2019s a great option for earning points on spending that you normally can\u2019t put on a credit card. This includes some of your biggest living expenses, like housing, cars and tuition.<\/p>\n<p>You can pay these merchants with a credit card and Plastiq will send them a check or wire transfer on your behalf. It also has <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=http%3A%2F%2Fplastiq.com%2Facceptpayments%3Futm_source%3Daffiliate%26utm_content%3D1643319%26utm_campaign%3D2020_07_PlastiqAccept\" target=\"_blank\" rel=\"noopener\">Plastiq Accept<\/a> for small businesses and a <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=http%3A%2F%2Fplastiq.com%2Fglobalpay%3Futm_source%3Daffiliate%26utm_content%3D1643319%26utm_campaign%3D2020_07_GlobalPay\" target=\"_blank\" rel=\"noopener\">global payments solution<\/a> as well.<\/p>\n<p>You can even set up automatic payments, so you don\u2019t have to worry about scheduling them manually every month.<\/p>\n<p><a id=\"plastiq-fees-and-how-to-avoid-them\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">Plastiq fees and how to avoid them<\/h2>\n<p>Plastiq currently charges a credit card processing fee of up to 2.9%. You can <a href=\"https:\/\/thepointsguy.com\/guide\/how-to-get-your-plastiq-bill-payment-fee-waived\/\" target=\"_blank\" rel=\"noopener\">offset this fee<\/a> by signing up with a <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26673162%26cr%3D27840%26last_updated%3D1595032147\" target=\"_blank\" rel=\"noopener\">referral link<\/a> and referring others to the platform. You\u2019ll earn bonus Fee-Free Dollars for signing up with a referral link or by referring someone who then makes $2,500 in payments during the first 30 days after sign-up.<\/p>\n<p><a id=\"plastiq-promotions\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">Plastiq promotions<\/h2>\n<p>While the 2.9% fee can be tough to justify, Plastiq does run occasional promotions that cut down the fee. In the past, it&#8217;s sent out targeted offers for reduced fees or bonus Fee-Free Dollars you could apply to future payments.<\/p>\n<p>To make sure you don\u2019t miss out on these promotions, sign up to receive email notifications from Plastiq. Whether you\u2019re targeted for a special offer or notified of public promotions, signing up for email notifications ensures you don\u2019t miss out on these deals.<\/p>\n<div class=\"EmailSignUp_container__XqB82\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 130 124\" fill=\"none\"><circle cx=\"62\" cy=\"62\" fill=\"url(#a)\" r=\"62\"\/><mask id=\"b\" style=\"mask-type:alpha\" maskunits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"124\" height=\"124\"><circle cx=\"62\" cy=\"62\" fill=\"#fff\" r=\"62\"\/><\/mask><g mask=\"url(#b)\"><circle cx=\"49.547\" cy=\"60.043\" r=\"31.978\" fill=\"#FDF268\"\/><path opacity=\"0.424\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M75.068 83.272a4.66 4.66 0 0 0-7.696-3.452c-3.15-3.953-8.035-6.454-13.48-6.36-.068.002-.136.008-.204.01-.774-2.911-3.445-5.035-6.592-4.98a6.689 6.689 0 0 0-5.046 2.431c-1.319-4.982-5.889-8.62-11.273-8.526a11.424 11.424 0 0 0-8.215 3.69 6.706 6.706 0 0 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stop-color=\"#48A5C1\"\/><\/lineargradient><lineargradient id=\"w\" x1=\"53.528\" y1=\"43.427\" x2=\"55.457\" y2=\"153.913\" gradientunits=\"userSpaceOnUse\"><stop stop-color=\"#00FFF3\"\/><stop offset=\"1\" stop-color=\"#48A5C1\"\/><\/lineargradient><lineargradient id=\"y\" x1=\"3.999\" y1=\"108.03\" x2=\"3.895\" y2=\"102.046\" gradientunits=\"userSpaceOnUse\"><stop stop-color=\"#23698C\"\/><stop offset=\"1\" stop-color=\"#3689AA\"\/><\/lineargradient><lineargradient id=\"A\" x1=\"4.447\" y1=\"101.588\" x2=\"4.342\" y2=\"95.577\" gradientunits=\"userSpaceOnUse\"><stop stop-color=\"#23698C\"\/><stop offset=\"1\" stop-color=\"#3689AA\"\/><\/lineargradient><lineargradient id=\"C\" x1=\"5.204\" y1=\"95.15\" x2=\"5.081\" y2=\"88.097\" gradientunits=\"userSpaceOnUse\"><stop stop-color=\"#23698C\"\/><stop offset=\"1\" stop-color=\"#3689AA\"\/><\/lineargradient><\/defs><\/svg><\/p>\n<div class=\"EmailSignUp_form__a_UTq\">\n<p>Sign up for our daily newsletter<\/p>\n<\/div>\n<\/div>\n<p><b>Related: <\/b><a href=\"https:\/\/thepointsguy.com\/guide\/earning-credit-card-minimum-spending-bonus-refunded-purchases\/\" target=\"_blank\" rel=\"noopener\"><b>How to hit your card\u2019s minimum spending bonus \u2014 even if you\u2019ve recently returned purchases for refunds<\/b><\/a><\/p>\n<p><a id=\"the-plastiq-referral-program\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">The Plastiq referral program<\/h2>\n<p>If you have lots of friends and family eager to earn miles on big purchases, you can earn Fee-Free Dollars by referring them to Plastiq. You\u2019ll earn <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26673162%26cr%3D27840%26last_updated%3D1595032147\" target=\"_blank\" rel=\"noopener\">2,500 FFDs<\/a> for every person you refer who makes $2,500 in payments during the first 30 days after they sign up. Occasionally, you can also earn bonus FFDs during a promotion.<\/p>\n<p>Just keep in mind that FFDs expire 90 days after they\u2019re issued. An easy way to ensure they don\u2019t expire is to use them for your mortgage or rent payments every month. These are bound to be high enough to use up any expiring FFDs you\u2019ve got lying around.<\/p>\n<p><a id=\"the-best-credit-cards-for-plastiq-bill-payments\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">The best credit cards for Plastiq bill payments<\/h2>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:56.25%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAACCAIAAADwyuo0AAAACXBIWXMAAAsTAAALEwEAmpwYAAAAJUlEQVQImQEaAOX\/AO7p3KCdlNvHv\/\/55QAABQfIq4f\/482wqqvfWhB99o7sEwAAAABJRU5ErkJggg==&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2019\/08\/Generic-Credit-Card-Wallet_Montreal-August-2019-18.jpg?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">ISABELLE RAPHAEL\/THE POINTS GUY<\/figcaption><\/figure>\n<p>The best credit cards for Plastiq bill payments are ones that earn rewards that are more valuable than the fees you\u2019re incurring. Using Plastiq to meet spending requirements on a <a href=\"https:\/\/thepointsguy.com\/news\/cards-with-100k-point-bonuses\/\" target=\"_blank\" rel=\"noopener\">card with a big welcome <\/a>offer is another great option. For example, the <span class=\"jsx-47a555216f5cc362\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-preferred%e2%84%a0-credit-card\/?tid=post\" rel=\"noreferrer noopener\" data-amp-addparams=\"0\" data-amp-replace=\"0\" target=\"_blank\" class=\"jsx-47a555216f5cc362 applyLink\">Ink Business Preferred Credit Card<\/a><\/span> is currently offering 100,000 bonus points after you spend $15,000 on purchases in the first three months after account opening. If you\u2019re having difficulty meeting the spending requirement, Plastiq is one option for getting it done.<\/p>\n<p>Similarly, a credit card that offers elite status or <a href=\"https:\/\/thepointsguy.com\/guide\/cards-bonuses-for-annual-spending\/\" target=\"_blank\" rel=\"noopener\">annual spending bonuses<\/a> would also be a great contender for Plastiq bill payments. If the card you\u2019re using earns more than 1 point per dollar spent, that\u2019s even better.<\/p>\n<p><b>Related: <\/b><a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-cards-large-purchases\/\" target=\"_blank\" rel=\"noopener\"><b>The top 6 credit cards to maximize large purchases<\/b><\/a><\/p>\n<p><a id=\"how-does-plastiq-work\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">How does Plastiq work?<\/h2>\n<p>Plastiq is pretty simple to use. After signing up, you can add credit cards to your wallet and set up payment profiles. You can set up one-time or recurring payments for virtually any merchant. When you make a payment using a credit card, Plastiq pays the merchant via check or transfer.<\/p>\n<p>Since payments can take up to 11 days to be received, you\u2019ll want to keep this in mind when choosing your payment options.<\/p>\n<p>Plastiq has a payment calendar that shows you when the payment will post so you can adjust the payment date accordingly. If you\u2019re making a payment at the last minute, you can pay extra to get it expedited.<\/p>\n<h3>How to add a new recipient in Plastiq<\/h3>\n<p>If you\u2019re making a payment for the first time or adding a new vendor, you need to log in and click the blue plus sign to &#8220;make a payment.&#8221;<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:42.5251256281407%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAACCAIAAADwyuo0AAAACXBIWXMAAAsTAAALEwEAmpwYAAAAI0lEQVQImWNgYJNKzq399\/\/\/779\/GRgYJfPKm3\/\/\/\/\/79x8AoTMOzF0CFcoAAAAASUVORK5CYII=&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.06.41-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<p>On the next screen for &#8220;Who do you want to pay?&#8221;, you\u2019ll type the vendor&#8217;s name. The system will search its network to see if your vendor is on file, and if not, you can add the information manually.<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:49.56989247311828%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAACCAIAAADwyuo0AAAACXBIWXMAAAsTAAALEwEAmpwYAAAAI0lEQVQImWMoLCqUV1CeOWvu3r37GOQVFBgYGP7\/\/3\/nzh0AghALr4KPHhkAAAAASUVORK5CYII=&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.09.23-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<p>You can choose to send your payment via paper check, automated clearing house bank transfer or domestic wire. Wire transfer is the fastest option, while paper checks can take up to 11 days to process.<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.34408602150538%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAACCAIAAADwyuo0AAAACXBIWXMAAAsTAAALEwEAmpwYAAAAJUlEQVQImQEaAOX\/AMDAvFlZWqWmp9\/g4ABUWFwAAgfR0NH+\/\/+zzQ5ZZxkNwwAAAABJRU5ErkJggg==&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.12.10-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<h3>Payments by check<\/h3>\n<p>If you want Plastiq to send your payment via check, you\u2019ll be asked to provide the recipient\u2019s address.<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:80.86225026288118%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAADCAIAAAA7ljmRAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAMklEQVQImQEnANj\/ABkZGAAAAGlpap+fnwDc29ujoqKBgYHV1dUADBUZDBUZ\/\/\/\/8vLyJHUSJthTJgUAAAAASUVORK5CYII=&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.13.49-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<p>Finally, you\u2019ll need to specify the services provided by the vendor. Options include business purchases, clubs and membership, general inventory, labor and payroll and insurance.<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:41.81626187961985%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAABCAIAAAB2XpiaAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAFUlEQVQImWPQMTFlYOI8der0v\/\/\/ARiLBfzDA+9rAAAAAElFTkSuQmCC&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.15.15-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<h3>ACH and wire<\/h3>\n<p>For automated clearing house or wire payments, you\u2019ll be prompted to enter the vendor&#8217;s name, bank account number and routing number.<\/p>\n<figure class=\"jsx-19345235 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-185092990 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:65.82809224318659%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url(&quot;data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAQAAAACCAIAAADwyuo0AAAACXBIWXMAAAsTAAALEwEAmpwYAAAAIUlEQVQImWMICw2WkpDo7e17\/Pgxg4ScIgMT+\/\/\/\/4AcAHvrC586KrpuAAAAAElFTkSuQmCC&quot;)\"\/><noscript><img alt=\"\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/02\/Screenshot-2023-02-20-at-12.17.40-PM.png?width=3840\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" loading=\"lazy\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-19345235 figcaption\">PLASTIQ.COM<\/figcaption><\/figure>\n<p>Making a payment through Plastiq is straightforward and requires just a few simple steps. Once you\u2019ve added a recipient, you can bypass most of these steps on future payments.<\/p>\n<p><b>Related: <\/b><a href=\"https:\/\/thepointsguy.com\/guide\/beginners\/\" target=\"_blank\" rel=\"noopener\"><b>Beginners guide to points and miles<\/b><\/a><\/p>\n<p><a id=\"plastiq-faq\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">Plastiq FAQ<\/h2>\n<p>Here are some of the most common questions we\u2019ve received about Plastiq:<\/p>\n<h3>Which bills can you pay with Plastiq?<\/h3>\n<p>Using a credit card, you can pay virtually any bill or merchant through Plastiq. This includes your rent, mortgage, car payments, your landscaper and pretty much anything in between.<\/p>\n<p>The only payment restrictions are for \u201cdebt products,\u201d investments and other people. Plastiq is meant to be a consumer-to-business product, so you can\u2019t use it as a <a href=\"https:\/\/thepointsguy.com\/guide\/tpgs-venmo-guide-for-beginners-how-to-make-the-most-of-small-but-mighty-perks\/\" target=\"_blank\" rel=\"noopener\">Venmo<\/a> alternative to send money to friends or family.<\/p>\n<h3>Which credit cards does Plastiq accept?<\/h3>\n<p>Plastiq accepts many major credit cards, including Visa, Mastercard, Discover and Diners Club. However, keep in mind there are limitations regarding which bills you can pay with each card type.<\/p>\n<p>Plastiq has a <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=https%3A%2F%2Fsupport.plastiq.com%2Fs%2Farticle%2Fsupported-payments-by-card-brand\" target=\"_blank\" rel=\"noopener\">handy guide<\/a> that lists all the different bills you can pay with your eligible card.<\/p>\n<p>Note that as of Feb. 10, Plastiq no longer accepts American Express. Any Amex cards that were already added to an account have been automatically removed, and new Amex cards cannot be added.<\/p>\n<p>Payments also cannot be made with personal Capital One credit cards. However, Capital One business credit cards are accepted for certain types of bills.<\/p>\n<h3>Can I use Plastiq to pay a credit card bill?<\/h3>\n<p>Unfortunately, you can\u2019t use Plastiq to make a credit card payment since that falls under the \u201cdebt product\u201d restriction. While a mortgage is technically a debt product, Plastiq makes an exception in allowing you to pay it with a credit card. That\u2019s pretty handy since mortgage payments are such a big expense for most people and there isn\u2019t really another way to earn points while paying it.<\/p>\n<h3>What are some alternatives to Plastiq?<\/h3>\n<p>There are a few alternatives to Plastiq, depending on the type of bill you\u2019re paying. If you\u2019re looking to <a href=\"https:\/\/thepointsguy.com\/guide\/paying-taxes-credit-card\/\" target=\"_blank\" rel=\"noopener\">pay taxes with a credit card<\/a>, a cheaper option is to go with an IRS-approved payment processor. Many of them accept credit cards for less than a 2% processing fee.<\/p>\n<p>If you want to use a credit card to pay rent with no transaction fees, consider the <span class=\"jsx-47a555216f5cc362\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bilt-mastercard\/?tid=post\" rel=\"noreferrer noopener\" data-amp-addparams=\"0\" data-amp-replace=\"0\" target=\"_blank\" class=\"jsx-47a555216f5cc362 applyLink\">Bilt Mastercard\u00ae<\/a><\/span>. This no-annual-fee card (<a href=\"https:\/\/thepointsguy.com\/apply\/bilt-mastercard-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">see rates and fees<\/a>) allows you to pay rent with it and <a href=\"https:\/\/thepointsguy.com\/guide\/bilt-rewards-guide\/\" target=\"_blank\" rel=\"noopener\">earn points<\/a> where you otherwise may not be able to.<\/p>\n<p><em>TPG founder Brian Kelly is a Bilt adviser and investor.<\/em><\/p>\n<p>If you\u2019re looking to <a href=\"https:\/\/thepointsguy.com\/guide\/college-tuition-credit-card\/\" target=\"_blank\" rel=\"noopener\">earn points on tuition payments<\/a>, check with your university first because you may end up paying a lower card processing fee than Plastiq charges \u2014 or none at all.<\/p>\n<p>PayPal is an option for peer-to-peer payments using a credit card since Plastiq doesn&#8217;t allow those types of payments. The platform charges 2.9% plus a $0.30 processing fee per transaction. That brings your total for a $1,000 payment to $29.30.<\/p>\n<p><b>Related: <\/b><a href=\"https:\/\/thepointsguy.com\/guide\/pay-credit-card-bills-right-way\/\" target=\"_blank\" rel=\"noopener\"><b>The right way to pay your credit card bills<\/b><\/a><\/p>\n<h3>When is using Plastiq worth it?<\/h3>\n<p>With the fees involved, you may be wondering whether Plastiq is worth it. There are a few scenarios where incurring a 2.9% fee makes sense. For starters, if you\u2019re trying to <a href=\"https:\/\/thepointsguy.com\/guide\/ways-to-meet-minimum-spending-requirement\/\" target=\"_blank\" rel=\"noopener\">meet a large spending requirement<\/a> to earn a credit card sign-up bonus, Plastiq might be worth considering. You\u2019ll pay roughly $29 per $1,000 payment, which could be worthwhile depending on the size of the sign-up bonus.<\/p>\n<p>For example, the <span class=\"jsx-47a555216f5cc362\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-preferred%e2%84%a0-credit-card\/?tid=post\" rel=\"noreferrer noopener\" data-amp-addparams=\"0\" data-amp-replace=\"0\" target=\"_blank\" class=\"jsx-47a555216f5cc362 applyLink\">Ink Business Preferred<\/a><\/span> currently offers 100,000 bonus points after you spend $15,000 in the first three months of account opening. Making $15,000 in payments through Plastiq will cost you about $435 in fees. While that\u2019s certainly not a small amount, keep in mind that you can redeem the Ink Preferred welcome bonus for $1,250 worth of travel booked through the <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-rewards-travel-portal\/\" target=\"_blank\" rel=\"noopener\">Ultimate Rewards travel portal<\/a>. Even if you end up redeeming part of your sign-up bonus for cash back to offset the Plastiq fee at 1 cent per point, you\u2019ll still come out ahead.<\/p>\n<p>Of course, our recommendation is to <a href=\"https:\/\/thepointsguy.com\/guide\/redeeming-chase-ultimate-rewards-maximum-value\/\" target=\"_blank\" rel=\"noopener\">transfer<\/a> your points to one of <a href=\"https:\/\/thepointsguy.com\/guide\/sweet-spots-chase-ultimate-rewards\/\" target=\"_blank\" rel=\"noopener\">Chase\u2019s travel partners for premium award redemptions<\/a>. In fact, you can get well over <a href=\"https:\/\/thepointsguy.com\/guide\/monthly-valuations\/\" target=\"_blank\" rel=\"noopener\">$2,000 in value<\/a> by going this route.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-133228390 anchor\"\/><\/p>\n<h2 class=\"jsx-133228390\">Bottom line<\/h2>\n<p>Plastiq is a solid option if you\u2019re looking to earn points on big purchases or need a little help meeting a large spending requirement. While the 2.9% fee can be substantial, you can save by signing up with a <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fhow-plastiq-works&amp;url=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26673162%26cr%3D27840%26last_updated%3D1595032147\" target=\"_blank\" rel=\"noopener\">referral link<\/a> or referring others. The occasional promotion can also knock out a big chunk of those fees. And if using Plastiq gets you a big credit card sign-up bonus, redeeming it for a high-value award can also take the sting out of paying those fees.<\/p>\n<p><em>For rates and fees of the Bilt Mastercard, click <a href=\"https:\/\/thepointsguy.com\/apply\/bilt-mastercard-rates-fees\/?tid=post\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><br \/><em>For rewards and benefits of the Bilt Mastercard, click <a href=\"https:\/\/go.skimresources.com\/?id=108360X1565867&amp;sref=https%3A%2F%2Fthepointsguy.com%2Fguide%2Fbilt-mastercard-review&amp;url=https%3A%2F%2Fwww.biltrewards.com%2Fterms%2Frewards-and-benefits\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/em><\/p>\n<p><em>Additional reporting by Emily Thompson.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/guide\/how-plastiq-works\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Editor\u2019s note: This is a recurring post, regularly updated with new information. If maximizing points and miles on big purchases is your game, Plastiq can help you get there. The payment platform is popular among those looking to earn rewards on expenses that normally can\u2019t be charged to a credit card. We\u2019re talking about rent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6538,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-6537","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/6537","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=6537"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/6537\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/6538"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=6537"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=6537"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=6537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}