Plastiq Review: Use Referral Program to Pay Bills With a Credit Card With No Fee

by | Apr 14, 2020 | Free Points/Miles | 99 comments

Plastiq Review: Use Referral Program to Pay Bills With a Credit Card With No Fee

I periodically use Plastiq to pay bills (such as my mortgage and utility bills) that cannot directly be paid with a credit card.

While Plastiq is an easy and convenient way to pay bills using a credit card (and in the process meet credit card minimum spending requirements), Plastiq charges a fee of 2.50% of the payment amount. Fortunately, Plastiq has a referral program which allows you to earn the ability to make some bill payments with a credit card completely fee-free.

Plastiq Referral Program

Plastiq has a referral program which can earn you and your friends/family a sign up bonus (ability to make fee-free online bill payments).

For every person who registers with Plastiq via your referral link and makes a payment of at least $500, you’ll get 1,000 FFDs and that person will get 500 FFDs.  Fee-free dollars (FFDs) correspond to how much money you can send via Plastiq without any fees. Please note, if you don’t use or earn FFDs for 90 days, your balance will be reset to zero.

If you have not yet signed up for Plastiq, signing up with someone’s referral link is a great way to earn the ability to make $500 of bill payments fee-free. If you do not have a friend/family member to refer you to Plastiq, I would be grateful if you sign up for Plastiq with my referral link and you will earn $500 dollars of fee free bill payments.

If you already have signed up for Plastiq, you can earn fee free payments if someone signs up using your referral code.  One strategy is to make referrals to your family so that you both can maximize fee free payments.  (For example, if you are part of a couple, one of you can sign up with the other’s referral link and you will both earn fee-free payments that you can use to pay your bills).

You can find your referral link by logging into your account and clicking on the person icon on the top right corner and then clicking on “Rewards & Referrals”.

Plastiq reviews: Earn a sign up bonus with the Plastiq referral program and pay mortgage and rent with a credit card for no fee

After clicking on Rewards & Referrals, you will see how many FFDs you have, if any, and you will find your referral link which you can then share. If someone signs up using your referral link you will receive the fee free payments in your account within a day. You will also receive an e-mail from Plastiq informing you of that fact and also the name of the person who signed up with your link.

Plastiq Review: What is Plastiq?

For anyone unfamiliar with Plastiq, here is a brief review.  Plastiq.com is a website that allows you to pay bills online with a credit card. Some bills you can pay using a credit card with Plastiq include: mortgage, rent, tuition, taxes, utilities, insurance (but not credit card bills).

According to Plastiq.com, you can “pay any business, institution, or person who has provided a good or service in the US or Canada– even if they don’t accept cards. For example, you can pay your friend for walking your dog, but not for buying you dinner. The recipient of your payment won’t have to register with our service or make any changes to the payment methods they currently accept.”

You will not incur a cash advance fee for using a credit card.  Plastiq accepts MasterCard, Visa, Discover and American Express credit cards right now. (Update: You can no longer use Visa or Amex credit cards to pay your mortgage). Plastiq charges up to a 2.50% fee for credit card payments however in the past there had been some limited time promotions with lower fees.  You will see the percentage of the fee and the total fee amount before finalizing your payment. If you have earned free free payments you need to click on “Apply my Fee Free Dollars” right under the payment amount.

plastiq review: use the referral program to earn a sign up bonus and reduce plastiq fees

Plastiq has many businesses in their system which can be paid electronically.  If you don’t see the business you need to pay or for individuals, you can add them as a recipient and they will be paid via check payment.

I have read reviews about some people having issues with Plastiq sending payments but I have had no issues.  I use Plastiq to pay bills electronically to institutions already in the system so I do not have first hand experience with paying individuals.  I have read that Plastiq will sometimes ask for some proof of a service provided so you can’t just send checks to your family members.  If you decide to use Plastiq for the first time, I would recommend making your payment to a new recipient super early to avoid a late payment.

Plastiq Referral Code

As mentioned above, this post contains our referral links.  If you sign up to Plastiq.com with my referral link and make a $500 payment, you will earn a sign up bonus: the ability to pay $500 of bills without a fee and I will earn $1,000 fee-free payments. You are also welcome to leave your own Plastiq referral code in the comments below.

Note: Post was published in 2016 but has been revised to reflect that the Plastiq referral bonus was increased from $400/$200 to $1000/$500.

99 Comments

      • Dan on August 3, 2017 at 12:19 pm

        Used your. Here’s mine. Thanks!

        Referral code: 503340

        Reply
      • Tamino on May 22, 2018 at 6:55 am

        Get 500 fee-free dollars! Thanks for sharing. Here is the link for anyone interested in signing up.

        https://try.plastiq.com/773294

        Use the referral code 773294 & pay $500 worth of bills to get 500 fee-free dollars.

        Reply
    • Tamino on March 9, 2018 at 11:57 pm

      Thanks for sharing. Here is the link for anyone interested in signing up.

      https://try.plastiq.com/773294

      Use the referral code 773294 & pay $500 worth of bills to get 500 fee-free dollars.

      Reply
    • Melanie Anderegg-Norman on December 11, 2018 at 9:41 pm

      Many thanks to anyone who uses mine!
      https://try.plastiq.com/561750
      Pay $500 worth of bills to get 500 fee-free dollars

      Reply
  3. Tony on April 4, 2016 at 8:51 am

    Thank you Travel Sisters for allowing us to post our referral link.

    Here is my link: https://try.plastiq.com/402497

    Thanks again!
    Tony

    Reply
  9. Jenny on May 10, 2016 at 6:49 pm

    Want to pay utilities, mortgages, rent, loans etc and earn credit card rewards?
    Sign up under my link below.
    https://try.plastiq.com/398992

    For every person who registers with Plastiq via your referral link and makes a payment of at least $20, you’ll get 400 Fee Free Dollars and that person will get 200 Fee Free Dollars as well.

    https://try.plastiq.com/398992

    Reply
  10. Meaghen on May 13, 2016 at 9:41 am

    Please use my referral link. 200 Fee Free dollars. Never had a problem even with sending checks. Paid my daughter’s tuition with it.

    https://try.plastiq.com/416024

    Reply
  12. Danda on June 2, 2016 at 1:59 pm

    Please use my referral link. 200 Fee Free dollars. Never had a problem even with sending checks. Have been paying my Rent , Auto loan and student loan with it

    https://try.plastiq.com/373722

    Reply
  13. Natalia on June 5, 2016 at 1:03 am

    For every person who registers with Plastiq via your referral link and makes a payment of at least $20, you’ll get an additional 400 Fee Free Dollars and that person will get 200 Fee Free Dollars as well.

    https://try.plastiq.com/398992

    Reply
  14. Valerie on June 5, 2016 at 7:32 pm

    Be careful! I have been following up with Plastiq for 60 days without success as a payment has not been delivered to the third party service provider. Successful dealings with Plastiq customer service is virtually impossible due to the fact that one receives error messages when trying to submit a support ticket or initiate a customer chat. Further there is only a recorded message when one calls in person. It’s been an extremely frustrating and disappointing situation which is still awaiting resolution.

    Reply
    • The Travel Sisters on June 6, 2016 at 5:16 am

      Thanks for the warning-will keep that in mind. Have not had any issues yet and hopefully will not since they are so hard to reach. Hope you can eventually get a hold of them and get a resolution to your issue! Would love an update when there is one.

      Reply
  24. Pat Ganey on July 27, 2016 at 1:01 pm

    200 Fee Free dollars for you to try this. I’ve been using for a while and NEVER had a problem.

    Please use my link.

    https://try.plastiq.com/410873

    Reply
  25. Adam on August 11, 2016 at 12:27 pm

    My rent payment was received in 8 days (including the weekend). I would definitely recommend sending the payment with plenty of time before deadlines to avoid late payments. otherwise so far so good 🙂

    I would appreciate it if any new applicants would use my referral link (you’d get $200 fee-free dollars):
    https://try.plastiq.com/473671

    Thank you very much 🙂

    Reply
  27. Adam on August 19, 2016 at 10:20 am

    Plastiq service so far is reliable.. the mortgage payment takes about 5-7 days. The utility payments surprisingly takes 4-5 days. I still send the payments 15 days before the payment due date just in case.
    The credit card rewards help decrease the fees a lot (using my Citi Double cash back CC 2%!)

    If you are a new applicant, I would greatly appreciate it if you’d kindly use my referral link and you will get $200 fee-free dollars.
    https://try.plastiq.com/473671

    Thank you 🙂

    Reply
  28. Patrick on August 22, 2016 at 12:13 pm

    Use it to pay your mortgage and rent. I actually use it to pay down my principal. Here is my referral code for new customers.

    https://try.plastiq.com/325801

    Reply
  30. Becky on September 22, 2016 at 11:24 am

    Yay! Got my 200 fee-free dollars by signing up using one of the links above.
    Here is my referral link for new customers looking to sign-up –
    https://try.plastiq.com/514305

    Reply
  31. Josh on September 26, 2016 at 3:59 pm

    Wow, thank you so much for letting us put our own referral links on here. I would very much appreciate it if someone used mine to sign up for plastic. I signed up using one of the links someone else provided.

    https://try.plastiq.com/516160

    Reply
  32. Dax on October 26, 2016 at 1:37 pm

    Just used the last person’s link. Next person use mine please and thank you!

    Reply
  38. Ethan on November 24, 2016 at 12:49 pm

    I would appreciate you using my link. Here is my link for plastiq referral. Open an account and get $200 fee free dollars.
    https://try.plastiq.com/518063

    Reply
  41. David on January 14, 2017 at 8:32 pm

    I would highly appreciate you using my link. Here is my link for plastiq referral. Open an account and get $200 fee free dollars.

    https://try.plastiq.com/373722

    Reply
  42. pat on January 25, 2017 at 2:03 pm

    I used a link above. Would appreciate the next person using mine! Trying to get somewhere warm this winter!

    https://try.plastiq.com/404440

    Reply
  43. Jay on January 30, 2017 at 1:18 pm

    All the plastiq transactions have gone smoothly except when trying to unload gift cards.

    Plastiq is running an American Express cards promo at 2% fee until Feb 28, 2017, good time to try out your first payment.

    If anyone interested in signing up, you can use my referral link.

    https://try.plastiq.com/453087

    Reply
  45. PP on February 2, 2017 at 6:50 pm

    Pay any bills by credit cards.
    Please use my referral code to get 200 fee-free dollars after your first $20 payment.
    https://try.plastiq.com/555221

    Reply
  46. Julian Banks on February 20, 2017 at 12:00 pm

    Best plastiq promo so far!

    Make a payment of $100 or more in plastiq with my referral and we both get $2500 in no fee payments!

    Here’s my link:
    https://www.plastiq.com/cardholder_ui/start?referralCode=533212

    Details below:
    Refer any business with your unique code, and when they make a payment of at least $100 by March 31, 2017, both of you earn 2,500 fee-free dollars. That means you can pay $2,500 worth of bills without the Plastiq fee and there’s no limit to how many businesses you can refer!

    Your unique referral code is: 533212

    Reply
  49. davida on March 14, 2017 at 7:16 pm

    Increased sign up bonus.
    Here is my referral code for the $400 FFD ( not $200) : 455748

    or use link:

    https://try.plastiq.com/455748

    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.
    – Dan

    Reply
  50. PP on March 28, 2017 at 11:57 am

    Currently Plastiq is running a promo where you will earn $400 in fee-free dollars after making at least $20 in payment.
    I have recently tried out using the credit card and it works pretty smoothly.

    If anyone interested in signing up, you can use my referral link, the promo runs until April 28.

    https://try.plastiq.com/400961

    Reply
  51. Dan on March 28, 2017 at 1:28 pm

    For every referral you make by April 18, 2017, you will earn 800 fee-free dollars*, and the person you referred will earn 400 fee-free dollars.

    Your unique referral code: 503340

    Link: https://try.plastiq.com/503340

    Reply
  57. PP on April 24, 2017 at 1:25 pm

    There is a new promo on Plastiq where you will earn 500 fee free dollars after making $500 of payments.

    If anyone interested in signing up, you can use my referral link.

    https://try.plastiq.com/400961

    Reply
    • traveller on April 27, 2017 at 6:39 pm

      I would appreciate if the next person would use my code. Remember to make 500 dollar payment to get the FFDs

      Use referral link https://try.plastiq.com/325801

      Reply
  59. Ethan on April 28, 2017 at 6:48 pm

    There is a new promo from Plastiq where you will earn 500 fee free dollars after making $500 of payments.
    If anyone interested in signing up, you can use my referral link.
    https://try.plastiq.com/518063
    or Referral code: 518063

    Reply
  61. George on May 25, 2017 at 8:09 pm

    Great tip, I am in the same boat as many of you trying to meet min spend. 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. Appreciate if readers also using my link please.

    Referral code 648844
    Link: https://try.plastiq.com/648844

    Reply
  63. Sweet Yam on October 7, 2017 at 2:58 am

    Thank you John. Referral used.

    I would appreciate if the next person would use my referral code & get $500 FFDs after spending $500 in bills. Pass along. With gratitude.

    https://try.plastiq.com/805353

    Reply
  64. Kurt W. on October 31, 2017 at 1:01 am

    Most Recent Plastiq.com Referral Link:
    You will recieve $500 Fee-Free Dollars (FFDs) when you sign up for a new Plastiq account and pay $500 worth of bills.

    Please sign up with my unique referral code – 683412

    Pay $500 worth of bills/mortgage/rent/insurance through Plastiq (doesn’t have to be a one-time payment)
    Referral link: https://www.plastiq.com/cardholder_ui/start?referralCode=683412

    Thanks in advance!

    Reply
  66. Ben on March 23, 2018 at 12:51 pm

    Thanks for sharing. highly appreciate if using my code. Receive $500FFD when sign up a new plastiq account.

    https://try.plastiq.com/878948

    My referral code 878948

    Reply
  67. Dane on April 12, 2018 at 12:27 pm

    Used Ben’s link. Many thanks to anyone who uses mine!
    https://try.plastiq.com/503340
    Pay $500 worth of bills to get 500 fee-free dollars

    Reply
  68. Jay on May 9, 2018 at 3:42 pm

    https://try.plastiq.com/453087

    Pay any bills by credit card at Plastiq. Use my referral code & pay $500 worth of bills to get 500 fee-free dollars:

    Thanks in Advance.

    Reply
  69. Tamino on July 25, 2018 at 3:02 am

    Thanks for sharing. Here is the link for anyone interested in signing up.

    https://try.plastiq.com/773294

    Use the referral code 773294 & pay $500 worth of bills to get 500 fee-free dollars.

    Reply
  71. Adam on October 4, 2018 at 9:31 pm

    Learn to use bluebird and only pay 1.2% ($5.95 per $500 gift card). Fuck plastiq and its ridiculous fee.

    Reply
  72. Adam R on October 4, 2018 at 9:35 pm

    LOL learn to use bluebird y’all. Having to use referrals or pay a ridiculous fee is for the birds. I pay $5.95 per $500 gift card and can use it to pay ALL of my bills. If enough of you ask me how ill start my own blog and apparently will shut down this plastiq joke.

    Reply
  73. Lukas on October 6, 2018 at 12:45 am

    Thanks for letting us sharing the links. Here is my referral links for $500 fee-free dollars. bit.ly/plastiq500

    Reply
  74. Lukas on October 6, 2018 at 1:03 am

    Thanks for letting us sharing the links. Here is the link for anyone interested in signing up for $500 fee-free dollars.

    https://bit.ly/plastiq500

    Pay any bill by card with payplastiq. Use my referral link & pay $500 worth of bills to get 500 fee-free dollars.

    Reply
      • Lukas on December 26, 2018 at 10:23 pm

        I mistakenly posted someone else link back in October/6. Apologize for the multiple posts. This one (posted on December/20) is mine for for $500 fee-free dollars. Thank you 🙂

        Reply
  75. Melanie Anderegg-Norman on December 11, 2018 at 9:46 pm

    Please use mine. 🙂
    Many thanks to anyone who does!
    https://try.plastiq.com/561750
    Pay $500 worth of bills to get 500 fee-free dollars

    Reply
  76. San on January 25, 2019 at 12:12 pm

    Pay any bill by card with Plastiq. Use my referral code & pay $500 worth of bills to get 500 fee-free dollars:
    Click here to sign up – https://try.plastiq.com/1133005

    Reply
  80. siri on March 3, 2020 at 1:29 am

    Pay any bill by credit card with Plastiq. Sign up with referral code 1156262 and pay $500 or more worth of bills to get 500 fee-free dollars for the second transaction.

    https://try.plastiq.com/1156262

    Great way to meet minimum spend requirement on credit cards by paying the rent or the mortgage or other bills.

    Thank You

    Reply
  84. Ron on May 22, 2022 at 11:47 pm

    Sign up and make a payment of $2500 within 30 days! earn 1000 fee free dollars as referral bonus. The earlier poster makes a wrong statement. its not 2500 FFD for the referee.

    plastiq.com/invite/1069945 — here’s my link.
    Thanks to anyone using it.

    Reply

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