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Through the end February, you can pay your bills with your American Express card via Plastiq with just a 2% processing fee instead of the usual 2.5%.

This is good news for those of you who recently signed up for Amex cards with high minimum spending requirements like the Business Platinum Card ($15,000 in three months for the 100,000 Membership Rewards) or the Business Gold Rewards Card ($5,000 in three months for 50,000 Membership Rewards).


Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Travel Credit Cards.

But should you pay your bills on your Amex via Plastiq if you’re not trying to meet a minimum spending requirement? Probably not, but that depends on how much you value Membership Rewards. We value them at 2 cents each, so to us, paying a 2% fee to earn them is like breaking even. Read Is Plastiq Worth It? Paying Your Bills Online with Credit Cards to Earn Miles to learn more.

Back up… what’s Plastiq?

Plastiq is an online bill payment processing system that “empowers you to use your existing debit and credit cards to pay any bill, regardless of acceptance”. The normal charge for that convenience is 2.5% of each payment on a credit card and 1% on a debit card. At the moment they accept Visa, MasterCard, and American Express. You can pay with Visa, MasterCard, and American Express gift cards as well but the 2.5% credit card fee is applied.

I’ll let their infographic explain the rest.


Who and What You Can and Cannot Pay via Plastiq

Examples of Who and What You Can Pay

  • Anyone providing a good or a service
  • Tuition and housing fees
  • Taxes (income and property)
  • Rent
  • Utilities
  • Insurance
  • Mortgages
  • Car payments
  • Home loan payments
  • Home repairs/construction

Examples Who and What You Cannot Pay

Never Used Plastiq?

Register via my referral link. When you make you first payment of at least $20, you’ll get 200 “Fee Free Dollars”, meaning you can make $200 in credit card payments free of any processing fees.

What to Do

You don’t have to do anything specific to activate the processing fee discount aside from using your American Express to charge the payment and making sure it’s scheduled for no later than February 28, 2017.

If you’re going to use Plastiq to pay any bills this month or next month, make sure to give the bill plenty of time to arrive before it’s due since Plastiq has to send it in the mail.

The following statement is from’s terms and conditions page:

“Delivery of funds to the Merchant typically takes between forty-eight (48) and seventy-two (72) hours but may take additional time.”

Bottom Line

You can pay your bills on your American Express card on through the end of next month at a 2% cost versus the normal 2.5%. Meeting the minimum spending requirements on American Express cards is a little cheapier and easier for the time being.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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