Jan 31, 2017, 10:50 pm

FlyerTalk Forums Expert How-Tos and Guides

Last edit by: ed765

This is the thread for 2017. The previous discussion can be found here.

Successful Credit Cards Used (Posted as Purchase)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Virgin Atlantic MC
BofA - Amtrak World MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Hyatt Visa (x2)
Chase BA Visa
Chase United MileagePlus Explorer
Chase United MileagePlus Club
Chase Sapphire Preferred (should give 2x, similar to CSR -- probably expired as of 6/5/17)
Chase Sapphire Reserve (3x, coded as travel -- this appears to have expired as of 6/5/17)
Citi Prestige MC
Citi Premier MC
Citi AT&T Access More MC (3x for rent category, misc. government services)
Citi AA Platinum MC
FIA Fidelity Mastercard
US Bank Altitude Reserve Visa

Successful Payees:
AAA (Socal, Santa Ana) insurance: Electronic payment: Processed 5/21 (Sunday), Complete 5/23, Arrived-Posted 5/26
ACS: took about 2 weeks to post
BMW Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/19
Caliber Home Loans: Processed 12/09, Sent 12/11, Arrived-Posted 12/18
Cedent mortgage
Chase Mortgage (sends check): 2 week turnaround
Citi Mortgage: Electronic - less than 1 week turnaround as of May 2017
Citizen's Auto Finance - Around 1 week.
CRA Personal Tax & GST/HST remittances
Firstmark Services (student loan, electronically remitted)
Fidelity Bank (Mortgage) https://www.fidelitybank.com/ks/Home.aspx
Flagstar Bank (Mortgage), electronic payment, posts in 2-3 days.
George Mason University: Over a week and a half.
Infiniti Financial: Processed 10/13, Sent 10/14, Arrived-Posted 10/21
Lexus Financial. Processed 3/9/16, Posted 3/14/19
Morgan Stanley Home Loans: Processed 01/14, Sent 01/15, Arrived-Posted 01/21
NA Shade & Associates LLC
National Grid Electric MA: 1 week turnaround
National Grid Gas MA: 3 week turnaround, sends physical check
Nationstar Mortgage, electionic payment, post in 2-3 days.
New York Community Bank (NYCB) Mortgage: check mailed by Plastiq 4/27, posted 5/1.
"NJ City" Tax: Processed 01/21, Sent 01/22, Arrived-Posted 02/01
Penfed Mortgage: 1 week turnaround
PennyMac Mortgage: 1-1.5wk turnaround
TCF Mortgage: 1.5 week turnaround
TD Bank Mortgage (EFT)
Wawanesa USA Insurance
Wells Fargo Mortgage: Processed 10/8, Sent 10/9, Arrived-Posted 10/16
Wells Fargo Mortgage: Processed 8/6, Sent 8/9, Posted 8/16

Restrictions
New VISA payments are not being accepted for mortgages.

Plastiq for rent, tuition, utilities, etc.(2017)

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Dec 19, 2017, 10:13 am

#766

NBG007

Join Date: May 2008

Posts: 198

Quote:

Originally Posted by Ratamacue

It's unfortunate, but not really surprising. Looks like I'll have to be content with Citi TYPs from now on.

Citi TYP with plastiq?. I thought they code as Utilities with Plastiq?.

Dec 19, 2017, 10:41 am

#767

Ratamacue

Join Date: Oct 2014

Location: PHL

Posts: 226

Quote:

Originally Posted by sbalasu3

Citi TYP with plastiq?. I thought they code as Utilities with Plastiq?.

Reports indicate that the ATT Access More card still earns 3x.

Dec 19, 2017, 12:08 pm

#768

sdsearch

FlyerTalk Evangelist

Join Date: Jan 2005

Location: home = LAX

Posts: 25,932

Quote:

Originally Posted by sbalasu3

Citi TYP with plastiq?. I thought they code as Utilities with Plastiq?.

Which Citi TYP, and using Plastiq for what exactly?

Different TYP cards earn bonus points on different categories. Premier earns 2x on "entertainment" and gas and 3x on "the broadest defintion of travel". But ATT Access earns 2x and the semi-dead ATT Access More earns 3x on "online" purchases (but not all of them). So that's the ones which have been earning 2x or 3x on Plastiq up to now. But:

Meanwhile, not all Plastiq purchases code the same AFAIK, even with the same card. So it matters not just what card it is, but who exactly you're paying with Plastiq.

(Keep in mind that Citi has certain cards they call TYP cards, but then other cards they don't call TYP cards but which still earn TYP. So the term "CIti TYP cards" can be very ambiguous.)

Quote:

Originally Posted by Ratamacue

Reports indicate that the ATT Access More card still earns 3x.

3x on exactly what? This site:

https://www.uscreditcardguide.com/ci...e-credit-card/

says that Citi sent out a letter this summer that it would stop earning 3x on rental payments, but not everything on Plastiq comes through as a rental payment (even if it actually is). So it's unclear how Citi is (or plans to) decide what is a rental payment and what isn't. So it might work for one rental payment and not for another. And it might still work on many other things that aren't rental payments.

Dec 23, 2017, 12:41 pm

#769

frudd38

Join Date: Jan 2013

Programs: Hyatt Glb, MR Plat

Posts: 2,576

Quote:

Originally Posted by sdsearch

Based on the history of this thread, pretty sure you can assume rent/mortgage.

Dec 23, 2017, 5:42 pm

#770

ed765

Join Date: Dec 2006

Posts: 161

Visa not being accepted for mortgages

I notice they do not accept VISA for mortgage payments anymore. It appears previously scheduled VISA payments will go through, but a warning notice appears if you try to change the date of a previously scheduled VISA payment.

With their 2.5% fees, there are few cards for which this is worth using. A 5% GM Mastercard is still a possibility, but this pay off only when and if a GM car is bought (and the points expire), and for me that is too uncertain to make using that card useful this way.

Last edited by ed765; Dec 23, 2017 at 5:52 pm

Dec 26, 2017, 5:54 pm

#771

sdsearch

FlyerTalk Evangelist

Join Date: Jan 2005

Location: home = LAX

Posts: 25,932

Quote:

Originally Posted by ed765

With their 2.5% fees, there are few cards for which this is worth using. A 5% GM Mastercard is still a possibility, but this pay off only when and if a GM car is bought (and the points expire), and for me that is too uncertain to make using that card useful this way.

For ongoing use, perhaps. But for signup bonus minimum spend, it can very useful, since the signup bonus is almost always well over 5% in value. (But, of course, that only applies if you weren't going to meet the signup bonus minimum spend anyway without using Plastiq.)