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Plastiq is running a promotion where you can earn fee-free dollars by making payments with a Mastercard for a limited time. In case you’re not familiar with Plastiq, it is a payment service that lets you pay bills with a credit card that do not normally accept credit card, for a fee of course.

Details on the Plastiq promotion

This promotion runs through the end of the month and effectively credits you 1 fee-free dollar (FFD) for every dollar you make on all payments processed on or before October 31, 2018. Any payments must use the standard 2.5% fee rate. You cannot pay with FFDs to earn more FFDs, or use another promotion that cuts the fee percentage. Since you earn 1 FFD for each dollar of your payment(s), the effective fee rate is halved to 1.25%, making it one of the better Plastiq promotions I’ve seen.

The first card that came to mind for maximizing this promotion is the Citi AT&T Access More, which used to earn 3x ThankYou Points for online purchases. Plastiq payments no longer earn 3x, however. The deal died earlier this year. A decent alternative is the Business Blue Plus card from American Express, which earns 2x Membership rewards points on the first $50,000 of spend each year.

Generally, I don’t find Plastiq to be a great deal for paying bills, since the 2.5% fee wipes out the value of most rewards points you can earn. Obviously, if you value points or miles above this, it could still make some sense. But you’re effectively buying points. But I generally only use them if I’m trying to meet minimum spend or hit another spend threshold on a card.

All FFDs from the promotion will be credited on November 1. You can read Plastiq’s rundown on the promotion here.


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