Plastiq Promotion Great For Meeting Minimum Spends


For each referral you make on Plastiq through April 18, you will earn double the standard amount of Fee Free Dollars. That’s $800 Fee Free Dollars per referral instead of $400.

Plastiq is an online bill payment processing system that allows you to pay bills you’d normally pay in cash or with a check on a debit card (for a 1% fee) or credit card (for a 2.5% fee). Fee Free Dollars are credits you earn to make payments without that fee when someone signs up and uses Plastiq through your referral link.

What to Do to Earn Double Fee Free Dollars

If you haven’t signed up for Plastiq yet, you can do so using my referral link. Then create a referral link of your own and leave it here in the comments for others to use so we can spread the Fee Free Dollar love.

Your referral has to make a payment through Plastiq of at least $20 by April 18, 2017 at 11:50 PM ET for it to count towards the promotion.

How Plastiq’s Referral Program Normally Works

Everyone that signs up on for an account on is given a referral link they can share with anyone new who is signing up. You and the person both receive benefits once they make a payment of $20.

The following screenshots were taken from Plastiq’s blog:

Screen Shot 2016-05-02 at 8.36.13 PM

Screen Shot 2016-05-02 at 8.36.21 PM

FFDs are “Fee Free Dollars”–basically amounts of payments you can make without the card processing fee. You have 90 days to use the FFDs after you earn them.

To read more of the specifics about the current double FFD promotion, read Plastiq’s blog.

Back up…How Does Plastiq Work?

You simply specify who you want to pay, and Plastiq pays them either via check or electronic transfer depending on what the recipient accepts. You are notified once your payment is received.

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

Read Is Plastiq Worth It? Paying Your Bills Online with Credit Cards to Earn Miles to learn who and what you can and cannot pay via Plastiq.

Did you scoop up one of the Starwood Preferred Guest Credit Cards with a temporarily elevated sign up bonus? Each one comes with 35k SPG points through April 5. The payoff is big, but the minimum spending requirements are pretty high–$5k for the personal card and $8k for the business card. Using Plastiq to pay your mortgage, taxes (it’s that time of year folks!), rent, car payments and more can really boost your spending power.

Bottom Line

Plastiq can be quite helpful for meeting large minimum spending requirements when you might not otherwise be able to. Even without Fee Free Dollars, using Plastiq for this purpose is probably worth it if the return is high–i.e. the sign up bonus is large.

But even better, you can pay your bills with no fee if you accrue FFDs. And from now through April 18, when one of your friends signs up through your link and makes a payment over $20, you’ll get 800 FFDs instead of 400.

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

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.

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Sarah Page Maxwell became a miles nerd after moving her base to Buenos Aires and beginning a transient lifestyle that would be otherwise too expensive without miles and points. In addition to travel, her other passions include hot sauce, yoga, and her boston terrier Omar.


  1. Here is my referral code for the $400 FFD : 518063

    or use link:

    You can earn 400 fee-free dollars by using my link to sign up.

    NOTE The first payment of at least $20 should be made before April 18, 2017, 11:59 p.m. EDT. to avail the $400 FFD benefit.

    Thanks for using my link.

  2. Here is my referral code for the $400 FFD : 518063
    or use link:
    You can earn 400 fee-free dollars by using my link to sign up.
    NOTE The first payment of at least $20 should be made before April 18, 2017, 11:59 p.m. EDT. to avail the $400 FFD benefit.
    Thanks for using my link.

  3. Pay any bill by card with @payplastiq. Use my referral code to get 400 fee-free dollars after your first $20 payment. Use code 663179 or link : Try Plastiq!

    Note: the first payment of at least $20 should be made before April 18, 2017 for the $400 FFD benefit.

    Thank you!

  4. Great advice, I am using it to meet my min spend for SPG. Plastiq is a great alternative to meet your minimum spend requirements (like Chase Sapphire Reserve or AMEX SPG). I just did a referral and I got the credit the same day! (It can take up to 1 day). Appreciate it if you use my link below.

    Referral code 648787

  5. Great tip, I am in the same boat as many of you. Got the Chase Ink Preferred and AMEX SPG recently and trying to finish meeting min spend. I used Plastiq and my mortgage payment went thru in 5 days (even though they indicated 7 days). There is huge bonus from Plastiq lately to use for your minimum spend requirements by using it to pay for your mortgage. You can get $500 FFD (as May 25, 2017). I have been using it as last resort to meet the min spend.

    Referral code: 648842


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