Pay any bill with a credit card - Revision history

Editor: /* Other payment services */

2021-09-21T21:39:44Z

‎Other payment services

Editor: /* Other payment services */

2021-08-04T04:57:11Z

‎Other payment services

Editor: /* Paying Businesses with Plastiq */

2021-04-17T03:45:37Z

‎Paying Businesses with Plastiq

Editor: Editor moved page Pay Any Bill with a Credit Card to Pay any bill with a credit card without leaving a redirect

2021-02-19T05:01:08Z

Editor moved page Pay Any Bill with a Credit Card to Pay any bill with a credit card without leaving a redirect

Editor at 21:19, 12 February 2021

2021-02-12T21:19:01Z

Editor: /* Other payment services */

2021-02-12T21:18:10Z

‎Other payment services

Editor at 21:17, 12 February 2021

2021-02-12T21:17:41Z

Editor: /* Pay off your student loans or save for college */

2021-01-08T08:02:36Z

‎Pay off your student loans or save for college

Editor: /* Paying Taxes */

2021-01-08T07:39:03Z

‎Paying Taxes

Editor: /* Paying Taxes */

2021-01-08T07:36:42Z

‎Paying Taxes

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 === Other payment services ===
-'''[//www.biltrewards.com Bilt]''' is a payment service that specializes in rental payments. Rather than paying a percentage of your rent payment and using any credit card, you earn rewards from Bilt and pay for them by earning a lower-than-normal rate on a certain amount of non-rent spending using the Bilt credit card.
+'''[//www.biltrewards.com Bilt]''' is a payment service that specializes in rental payments. Rather than paying a fee to use one of your existing cards, you need to get the Bilt credit card. Then when you pay rent, they'll send your landlord an electronic payment or a check, add the charge to your Bilt credit card, and give you rewards.
 '''[//www.meliopayments.com Melio]''' is a payment service that works similarly to Plastiq but has several additional limitations. The fee is slightly higher (2.9%). is meant to be used by small businesses (and they tend to verify), and is not supposed to be used for payments that are "personal in nature". The main reason to use it instead of Plastiq would be to take advantage of any attractive Melio promotions.

← Older revision		Revision as of 04:57, 4 August 2021
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	=== Other payment services ===		=== Other payment services ===
		+
		+	'''[//www.biltrewards.com Bilt]''' is a payment service that specializes in rental payments. Rather than paying a percentage of your rent payment and using any credit card, you earn rewards from Bilt and pay for them by earning a lower-than-normal rate on a certain amount of non-rent spending using the Bilt credit card.

	'''[//www.meliopayments.com Melio]''' is a payment service that works similarly to Plastiq but has several additional limitations. The fee is slightly higher (2.9%). is meant to be used by small businesses (and they tend to verify), and is not supposed to be used for payments that are "personal in nature". The main reason to use it instead of Plastiq would be to take advantage of any attractive Melio promotions.		'''[//www.meliopayments.com Melio]''' is a payment service that works similarly to Plastiq but has several additional limitations. The fee is slightly higher (2.9%). is meant to be used by small businesses (and they tend to verify), and is not supposed to be used for payments that are "personal in nature". The main reason to use it instead of Plastiq would be to take advantage of any attractive Melio promotions.

@@ Line 47: / Line 47: @@
 <li>'''Mortgage payments can only be made with Mastercards and Discover cards'''. Rent (and HOA fees) can be paid with all cards. </li>
-<li>'''You can only use Amex credit cards for a limited set of payments'''. The only acceptable payments are for "Government, Utilities, Education (not including student loans), Residential Rent, and Club Fees & Memberships".</li>
+<li>'''You can only use Amex credit cards for a limited set of payments'''. The only acceptable payments are for "Government, Utilities, Education (not including student loans), Residential Rent, and Club Fees & Memberships" and a variety of business-related services like building maintenance and secretarial services.</li>
 <li>'''There are a confusing set of limitations for Visa cards'''.

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 {{DISPLAYTITLE:{{Title|payment services}} (2021)}}
 {{seo|description=Use Plastiq and other services to pay your mortgage, rent, taxes, loans, childcare, tuition, and other expenses with your credit card (to earn extra rewards).}}
-{{Page|article|signups|signup bonuses}}
+{{Page|article|signups|initial spend}}
 {{Image|Plastiq.png|full}}
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 {{NextPages}}
 {{Next|Credit Cards 101}}
-{{Next|initial spend}}
+{{Next|signup bonuses}}
 {{Next|manufactured spending}}
 {{/NextPages}}
 {{/Page|article}}

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 {{Next|Credit Cards 101}}
 {{Next|initial spend}}
-{{Next|signup bonuses}}
+{{Next|manufactured spending}}
 {{/NextPages}}
 {{/Page|article}}

← Older revision	Revision as of 05:01, 19 February 2021
(No difference)

← Older revision		Revision as of 08:02, 8 January 2021
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	This can be a cheaper than paying them with Plastiq. The fee for a $500 gift card is only around 1.2%, but they aren't available in many stores. If you need to purchase online, you can only get cards up to $200 each with a fee of about 3%.		This can be a cheaper than paying them with Plastiq. The fee for a $500 gift card is only around 1.2%, but they aren't available in many stores. If you need to purchase online, you can only get cards up to $200 each with a fee of about 3%.
		+
		+	=== Other payment services ===
		+
		+	'''[//www.meliopayments.com Melio]''' is a payment service that works similarly to Plastiq but has several additional limitations. The fee is slightly higher (2.9%). is meant to be used by small businesses (and they tend to verify), and is not supposed to be used for payments that are "personal in nature". The main reason to use it instead of Plastiq would be to take advantage of any attractive Melio promotions.

	{{/Main\|article}}		{{/Main\|article}}

@@ Line 80: / Line 80: @@
 <li>'''You can pay your federal taxes with a credit card, and depending on your state and county, you can also pay your state taxes and property taxes'''. Convenience fees are around 2%. When this was written, the lowest fee for federal taxes was 1.96%. These fees are cheaper than Plastiq. [//www.irs.gov/uac/pay-taxes-by-credit-or-debit-card IRS Credit Card Payment webpage].</li>
-{{Image|TaxPayment.png}}
+{{Image|TaxPayment21.jpg}}
 <li>'''Any excess payments will be refunded, so you can use these services to generate any amount of spending'''. As long as you are willing to pay the fees, you could pay the IRS more than you owe them. Then when you file your taxes, you'll receive a refund. This can be handy if you need meet a very high spending requirement.</li>

@@ Line 78: / Line 78: @@
 <ul class="bulletlist">
-<li>'''You can pay your federal taxes with a credit card, and depending on your state and county, you can also pay your state taxes and property taxes'''. Convenience fees are around 2%. When this was written, the lowest fee for federal taxes was 1.87%. These fees are cheaper than Plastiq. [//www.irs.gov/uac/pay-taxes-by-credit-or-debit-card IRS Credit Card Payment webpage].</li>
+<li>'''You can pay your federal taxes with a credit card, and depending on your state and county, you can also pay your state taxes and property taxes'''. Convenience fees are around 2%. When this was written, the lowest fee for federal taxes was 1.96%. These fees are cheaper than Plastiq. [//www.irs.gov/uac/pay-taxes-by-credit-or-debit-card IRS Credit Card Payment webpage].</li>
 {{Image|TaxPayment.png}}
-<li>'''Any excess payments will be refunded, so you can use these services to generate any amount of spending'''. As long as you are willing to pay the fees, you could pay the IRS more than yo owe them. Then when you file your taxes, you'll receive a refund. This can be handy if you need meet a very high spending requirement.</li>
+<li>'''Any excess payments will be refunded, so you can use these services to generate any amount of spending'''. As long as you are willing to pay the fees, you could pay the IRS more than you owe them. Then when you file your taxes, you'll receive a refund. This can be handy if you need meet a very high spending requirement.</li>
-<li>'''Another alternative is to use your credit card to purchase (pin-enabled) Visa or Mastercard gift cards, and then use the gift cards to pay your taxes'''. The fees the tax payment companies will charge for using a debit card are very low, but you will be  additional fees to activate the gift cards. The only limitation is that you are typically limited to two payments with each tax paying service for each tax payment time-period. Since gift cards usually have a $500 maximum, this limits the total amount of taxes that you can pay with this method.</li>
+Of course, you won't be able to get your money back until some number of weeks after you file your taxes. You'll need to be able to "float" the money for a lengthy period of time and you need to factor in the opportunity cost of not being able to invest the money in the meantime. So this obviously works best the closer it gets to the date when you would file.
 <li>'''You can take advantage of any PayPal-related promotion by paying your taxes with PayUSATax'''. Occasionally, some credit cards will offer bonus rewards for PayPal purchases and paying your taxes is a great way to multiply the benefits of this type of promotion. </li>