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(Reposting as this promotion ends tomorrow February 28th – so if you were close to meeting your goal to get this promotion, you only have a day or so left to do it!)

I got an email last night from Plastiq, the company that lets you pay mortgage or rent (or anything else) with a credit card.  I have been paying the mortgages on my rental houses with Plastiq for several months and have not had a problem.  I also recently paid my property taxes with Plastiq

(SEE ALSO: My experiences using Plastiq to pay mortgages for “free” money)

There is a fee to use Plastiq – the standard fees are 2.5% for a credit card or 1% for a debit card, though they do often run promotions.  Last year there was a promotion that got the fee down to 1.75% and there is currently a promotion on American Express cards.

I use my AT&T Access More card, which gives 3x ThankYou points on online purchases, including Plastiq.

Promotional Plastiq email

Yesterday, I got an email from Plastiq with the subject line “Interested in 10,000 fee-free dollars?”.  Turns out that Plastiq is running a special


I did reach out to Plastiq support and they confirmed that this is in ADDITION to the 400 Fee Free dollars that you normally get when you refer someone. They did say that it was only for people that got the email, so YMMV if you didn’t get the email.  Still, it might be worth checking your email and/or trying to confirm with Plastiq to see if the promotion is attached to your account.

An MS opportunity?

Obviously most people will probably not have 20 people that they know that a) haven’t signed up for Plastiq and b) are interested in signing up.

But it occurred to my enterprising brain that this might be a way to MS some points, if your Plastiq account is eligible for this promotion.  If you just signed up 20 new accounts, you’d get

  • 400 FFD from the 20 referrals – 8000 FFD total
  • 200 FFD on each of the 20 new accounts ( 4000 FFD total)
  • The 10,000 FFD bonus

Each of the 20 accounts would have to make a $20 payment, meaning $400 at the 2.5% fee so $10 but you’d get 22,000 fee-free dollars, which you could (theoretically) use to send yourself payments and pick up 66,000 ThankYou points (or the miles / points / cashback currency of your choice)

Total YMMV as I have no idea how much Plastiq might vet new accounts – I’d imagine you would have to use different addresses and maybe even credit card numbers.  Am I missing something besides that?  Probably – I’m not sure I’d want to risk all that but that’s just how my brain spins… 🙂

(EDIT: Plastiq actually reached out to me and said that they have ways to detect this, so I wouldn’t try it)

If you haven’t signed up for Plastiq yet and want to give it a try, you will get 200 fee free dollars if you sign up through my referral link and make a one-time payment of $20

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