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Plastiq for rent, tuition, utilities, etc.(2018 onwards)

Plastiq for rent, tuition, utilities, etc.(2018 onwards)

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Old Apr 4, 19, 11:13 pm   -   Wikipost
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This is the thread for 2018. The previous discussion can be found here.

Updated Nov-2018: A lot of the personal Visa CCs are out at Plastiq. They will be treated as cash advance and won't receive any rewards. Only Capital One personal Visa CCs are not affected. Business Visa CCs are still good. The best CCs are Mastercard and Discover. AmEx CCs can still be used, but not on many of the payment types. Chase personal Visa cards are limited to the cash advance limit (typically 20% of CL). The details are listed as below:
https://help.plastiq.com/hc/en-us/ar...l-Card-Changes

Plastiq Fees:
The standard Plastiq fee is 2.5%. It makes most of the reward programs not profitable. Use Plastiq to meet welcome bonus spending requirement or to meet certain spend requirements to reach elite status or for large spend bonus. Also take advantage of Plastiq referrals and promotions.

Plastiq Referrals:
Standard Referral: When you refer your friend to Plastiq, after your friend charges $500 or more, your friend will get $500 FFDs (fee free dollar) and you'll receive $1,000 FFDs to spend.

Successful Credit Cards Used (Posted as Purchase, Visa info outdated)
Amex Blue Business Plus
Amex Open SPG Business
AMEX SPG (non-business)
AMEX Delta business
AMEX business platinum and business gold (Canadian)
BofA - Amtrak World MC
BofA - Business Advantage Travel Rewards MC
BofA - Virgin Atlantic MC
Barclaycard Aviator Red/Silver MC
Barclaycard Arrival World MC
Chase Ink Cash Visa
Chase Ink Plus Visa
Chase Ink Preferred 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)
Toyota Financial
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.
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Old Aug 18, 18, 9:07 pm
  #286  
 
Join Date: Aug 2018
Posts: 2
Cip earning 3x points on plastiq seems to be dead. Reported by several blogs, including doctor of credit and miles to memories.
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Old Aug 19, 18, 12:29 am
  #287  
 
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Originally Posted by rabbmd View Post
Best Mastercards for plastiq in my opinion are either citi doublecash, Citi or barclays American airlines varieties, barclays arrival varieties, citi thankyou point cards (the att access and more used to be MONEY for plastiq mortgages), or jetblue barclays (to help hit free mosaic status through spend to $40,000 and points of course).
Don't forget Virgin Atlantic MC.
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Old Aug 20, 18, 5:04 pm
  #288  
 
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Originally Posted by cwh82 View Post
If this is true, we can thank this guy: https://www.cnbc.com/2018/08/16/29-y...n-rewards.html
RIP.
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Old Aug 20, 18, 5:54 pm
  #289  
 
Join Date: Jan 2013
Programs: AA EP, SPG Plat
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Originally Posted by frudd38 View Post
Anyone having issues adding a new card in Citi Pay lately? Been trying it for a week and it keeps returning an error.
Originally Posted by josephstern View Post
Yup. Same. At one point, I was able to change my default to a different active card, but I cannot activate a new card.
I'm surprised this issue hasn't been reported here more.. it's been over 6 weeks since I've been able to activate a new card on Citi Pay..

Last edited by frudd38; Aug 20, 18 at 6:01 pm
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Old Aug 20, 18, 10:52 pm
  #290  
 
Join Date: Apr 2015
Posts: 150
Yeah I've been trying to add my Citi AAdvantage card and it keeps getting an error. I called Citipay and they said that the AAdvantage isn't eligible to add to Citipay. I was able to add my BofA Premier Rewards card though to Masterpass.
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Old Aug 21, 18, 12:26 am
  #291  
 
Join Date: Aug 2018
Posts: 27
Does anyone have first-hand confirmation that CIP no longer earns 3X on Plastiq? Or, has been told so by a Chase rep?
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Old Aug 21, 18, 8:32 am
  #292  
 
Join Date: Sep 2005
Location: Columbia, SC
Programs: AA Plat, SPG/Marriot Gold, HHonors Diamond, Hyatt Expl
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Originally Posted by alphakenny1 View Post
Yeah I've been trying to add my Citi AAdvantage card and it keeps getting an error. I called Citipay and they said that the AAdvantage isn't eligible to add to Citipay. I was able to add my BofA Premier Rewards card though to Masterpass.
This is incorrect. My AA card is available in Citipay, along with my Prestige.
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Old Aug 21, 18, 9:15 am
  #293  
 
Join Date: Jul 2014
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I also have AA, Prersitge and Thank you on CitiPay. Is it a new card? When I log in, Ijust see all my citi cards.
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Old Aug 21, 18, 12:25 pm
  #294  
 
Join Date: Jan 2017
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Originally Posted by LDoc View Post
Does anyone have first-hand confirmation that CIP no longer earns 3X on Plastiq? Or, has been told so by a Chase rep?
unfortunately yes. After seeing the news break that cip 3xur was dead I made a $10.00 test payment to my car loan I had been making for months (well I stopped to take advantage of masterpass for a few months). I had gotten 3x ur points multiple times to this payee. My payment was submitted 8/17, posted 8/19. Pending points on chase site show only 1x ur.
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Old Aug 21, 18, 2:17 pm
  #295  
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Originally Posted by rabbmd View Post
unfortunately yes. After seeing the news break that cip 3xur was dead I made a $10.00 test payment to my car loan I had been making for months (well I stopped to take advantage of masterpass for a few months). I had gotten 3x ur points multiple times to this payee. My payment was submitted 8/17, posted 8/19. Pending points on chase site show only 1x ur.
DId it change because the merchant category that the Plastiq payments report as changed, or is the merchant category the same as before? Ie, is the change because of how Plastiq encodes itself to Visa, or is the change because Chase is specifically doing something different when "Plastiq" is the merchant?

Without knowing what the merchant category that Plastiq payments report are now vs back when it was 3x, it's hard to know for sure why exactly the 3x stopped working.

But I've had trouble figuring out how to display the actual merchant category on Chase's website. It just shows the earning category, not the merchant category, as far as i can see.
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Old Aug 21, 18, 2:30 pm
  #296  
 
Join Date: Apr 2015
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Yea this is a new card. When I login with my citi login, it says that the cards in that account are in ineligible. I called masterpass and they confirmed. Maybe I'm unlucky!

Does it matter if its a business card?
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Old Aug 21, 18, 11:15 pm
  #297  
 
Join Date: Jan 2013
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Originally Posted by alphakenny1 View Post
Yeah I've been trying to add my Citi AAdvantage card and it keeps getting an error. I called Citipay and they said that the AAdvantage isn't eligible to add to Citipay. I was able to add my BofA Premier Rewards card though to Masterpass.
Originally Posted by akcae View Post
This is incorrect. My AA card is available in Citipay, along with my Prestige.
When did you activate your AA? My AA, ATT, Prestige all previously activated (6+ weeks ago) are still working as well. The problem is with someone else's account trying to activate a newly opened AA.

Originally Posted by chaser123 View Post
I also have AA, Prersitge and Thank you on CitiPay. Is it a new card? When I log in, Ijust see all my citi cards.
To clarify, I can see all my cards when logged in. It just won't let me activate a new card (that is displayed).
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Old Aug 22, 18, 12:11 pm
  #298  
 
Join Date: Sep 2005
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Originally Posted by frudd38 View Post
When did you activate your AA? My AA, ATT, Prestige all previously activated (6+ weeks ago) are still working as well. The problem is with someone else's account trying to activate a newly opened AA.
I've had my AA card for several years.
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Old Aug 22, 18, 12:55 pm
  #299  
 
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Originally Posted by akcae View Post
I've had my AA card for several years.
I meant when did you activate it on CitiPay, which is what the issue is at hand. All cards require an "activation/add" even if they're already shown on CitiPay.
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Old Aug 23, 18, 11:52 am
  #300  
 
Join Date: Sep 2005
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Originally Posted by frudd38 View Post
I meant when did you activate it on CitiPay, which is what the issue is at hand. All cards require an "activation/add" even if they're already shown on CitiPay.
I don't remember, so I imagine it's been a while (as in, a year or longer).
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