Pay Utilities by credit card for free


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, but thanks to an ongoing promotion (details here) Plastiq has been offering reduced rates (1.99%) when you pay with American Express or MasterCard.

Now, Plastiq has taken things further by offering free MasterCard payments to Utilities when you schedule 6 or more payments.

Pay Utilities by credit card for free

Does it matter?

In my case, all of my utilities can already be paid by credit card for free so I don’t have any good use for this special rate.  If your utilities don’t allow credit cards (or charge a fee for paying with a credit card), then this is a good deal since it will let you earn rewards while paying your bills.

How to schedule payments

I’ve found that the first time I add a biller to Plastiq, I’ve been unable to setup recurring payments with a new payment source until after I’ve made at least one immediate payment.  This shouldn’t happen.  If you get an error when setting up recurring payments, try sending a small one-off payment first.  Or, better yet, contact for help.

Important Notes

  • To secure these promotional rates, sign up for a new account using this link: (or, use a similar link found on another publication). Disclosure: I will earn a $5 referral fee for each person who signs up via this link, regardless of whether or not you use the service.
  • If you signed up for Plastiq during the earlier promotion (found here), then you do not have to sign up again. You will automatically qualify for these rates.
  • If you signed up for Plastiq without going through a promotional link, 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 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.
  • Payments can take a few weeks to process, so make sure to have payments sent well in advance of their due date.
  • If you pay your landlord for utilities, please contact  I don’t know whether or not they’ll be able to help you get the promotional rate, but they asked that people contact them in this situation.

Questions?  Is Plastiq reliable?  What payments are allowed or not allowed? Can gift cards be used?

Answers to all of these questions and more can be found here: The Complete guide to Plastiq credit card payments.

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