Pay mortgage, rent, and more by credit card. Plastiq offers 1.99% Amex and MasterCard promo rate!

Plastiq is a card-based payment service that allows consumers to use credit cards to pay bills where credit cards are not normally accepted.  Common examples include rent, mortgage, tuition, etc.

Plastiq usually charges a flat 2.5% fee for this service.  That’s already cheaper than most competitors, but for a limited time, Plastiq is offering reduced rates (1.99%) when you pay with American Express or MasterCard.

Plastiq offers 1.99%

The only way to get this reduced rate is to sign up for Plastiq via a promotional signup link like this one: plastiq.com/promos/r/FM-1.  Once you have signed up for the service using this link, you can browse directly to Plastiq.com to pay bills and you will receive these special rates for as long as the promotion is active.

Important Notes

  • To secure these promotional rates, sign up for a new account using this link: plastiq.com/promos/r/FM-1 (or, use a similar link found on another publication)
  • If you signed up for Plastiq before this promotion started, you can re-register with a different email address in order to get the promotional rates.
  • Once you have signed up for the service using the above link, you can browse directly to Plastiq.com to pay bills and you will receive these special rates for as long as the promotion is active.
  • The end date for this promotion has not yet been set.  One way to lock in lower rates is to setup recurring payments.
  • Plastiq does accept Visa, MasterCard, and Amex gift cards for payment.  As with regular credit cards, Visa gift card payments will incur the standard 2.5% fee whereas MasterCard and Amex payments will be charged 1.99%.
  • Disclosure: I will earn a $5 referral fee for each person who signs up via the link shown above.

Questions?

Please see: The Complete guide to Plastiq credit card payments.

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63 Comments on "Pay mortgage, rent, and more by credit card. Plastiq offers 1.99% Amex and MasterCard promo rate!"

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FlyerDad
Guest

Great news, especially since I bought AGC through TopCahBack today at the higher casuback rate. Do you know how long the Plastiq promotion will last?

FlyerDad
Guest

Sorry–just read your email more carefully saying that no end date has been announced.

anthonyjh21
Guest

So my mortgage payment is $2002 and amusingly $2 above the $2,000 AGC I usually purchase.

Do you know if it’s possible to pay a bill from two different sources, say $2k AGC+ another source to hit the $2002 I need in one transaction? In essence, a split tender.

I had no idea Plastiq allowed AGC. Thanks for that information.

Kent C
Guest

Adjusted rate?!

Sid
Guest

The only use for this I see is a cheap convenient way to meet the min. spend on a new card for thr signup bonus. Also, amex GCs. Beyond those two options is there any way to profit off using this service with a credit card? Besides Marukai JCB card @ 3%, is there anything else? Im sure im missing something so anyone wanna chime in with their thoughts? Thanks!

Tony
Guest

•Plastiq does accept Visa, MasterCard, and Amex gift cards for payment. As with regular credit cards, Visa gift card payments will incur the standard 2.5% fee whereas MasterCard and Amex payments will be charged 1.99%.

Jeff
Guest

Please clarify…can I pay credit card bills using platiq? (ie if I buy $10,000 AGC using my Chase Ink can I then use the AGC thru Platiq to pay my Chase Ink credit card?)

Dave
Guest

So AMEX (and presumably MC) gift cards can be used… do they have to be the personalized ones, or can regular non-personalized gift cards be used as well?

Rebecca from Plastiq
Guest

The regular, non-personalized gift cards can be used as well.

Dave
Guest

Also, what’s the practical difference between paying via bank transfer vs check? Does one get to the payee faster? They both are eligible for the 1.99% fee?

Rebecca from Plastiq
Guest

Bank transfer is faster than check but they are both eligible for the 1.99% fee.

EL
Guest

To someone’s comment earlier, doesn’t need to be a personalized AMEX GC as long as the billing zip code is correct. My question is it sounds like if I already have an account and using it regularly, I won’t be eligible for the special rate unless a new account is created?

Lucia August
Guest

Also, I just qualified for the Chase Sapphire so I’m going to use plastiq to pay off my min spend. It also seems like I could double dip by by buying GC with the Chase card. No?

trackback

[…] Pay mortgage, rent, and more by credit card. Plastiq offers 1.99% Amex and MasterCard promo rate […]

trackback

[…] I announced a new promotion: if you sign up for the Plastiq bill payment service via a promotional link, credit card payment […]

Sam
Guest

I set up a recurring payment but I need to change the dates. The website will not let me. I can only change the dates individually. Anyone else have this problem?

Shannon
Guest

So just to clarify, to really maximize this promotion, you need to have bills that are 2k or higher, otherwise you’re hit with the 1.99% fee for each bill? Any ideas on monthly bills that can be combined to reach 2k? E.g. Some cable/telephone companies let you pre-pay your bills, could it be done with a mortgage? I’ve never tried.

Juno
Guest

Shannon, you actually cannot send a payment over $2000. You have to pay a fee no matter how much you send. whether it’s $100 or $1000. The promotion is that the fee is reduced to 1.99% rather than the usual 2.5% for AmEx and MC.. (not visa)

The trick is that if you can purchase AmEx Gift cards with your points earning Credit Cards and get 2% rebate from rebate websites like TopCashBack then you can use those AmEx gift cards on Plastiq. Now you are paying your bills (earning credit card points) for practically free.

Juno
Guest

Oops.. I didn’t write that correctly. You can pay any amount you want with Plastiq but in the conversations above, the are talking about paying with AmEx Gift Cards. It’s just that when you try to pay with a AmEx gift card of $2000, you have to account for the fee for 1.99% charged. So in the case mentioned above you can’t pay $2000 bill because there will be almost $40 in fee and you’ll need a gift card worth $2040.

S
Guest

Question: Am I able to pay my student loan via Plastique? Thanks.

S
Guest

Plastiq 😀

shauly101
Guest

im not getting the 1.99%!!

Clifford
Guest

Is there anyway I can create a referral url too? I didn’t see anything on plastiq.com (I’ve already signed up through FM)

trackback

[…] Plastiq usually charges a flat 2.5% fee for this service, but thanks to an ongoing promotion (details here) Plastiq has been offering reduced rates (1.99%) when you pay with American Express or […]

pamela
Guest

Hi,
Is the link no longer available? I get a page that says: “Forbidden

You don’t have permission to access /content/built/landingpages/promo1 on this server.”
Thanks!

Chris
Guest

If you send a check for a payment, does Plastiq update the status from Processed? My card was charged 8/23 and there’s been no record of payment yet at the vendor. Or does it just go from Processed to Paid?

trackback

[…] Pay mortgage, rent, and more by credit card. Plastiq offers 1.99% Amex and MasterCard promo rate! […]

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[…] Pay mortgage, rent, and more by credit card. Plastiq offers 1.99% Amex and MasterCard promo rate! […]

Patrick
Guest

I am using Plastiq to pay my mortgage and currently have the 1.99% promotion for paying with MC. The amount of my monthly payment just increased. When I try to change it in Plastiq it tells me the rate will go up to 2.5%. I tried editing just one payment and all future payments. It made no difference. Do I need to make an extra payment every month to compensate or am I doing something wrong?
Thank you for your help.

MJM
Guest

Hello FM – Does the promotional rate for new members still apply? What is the link to use ala the Aug. post? Thanks.

VK
Guest

Any promos still going on or is it all at 2.5% again?