Posted by William Charles on April 12, 2017
Manufactured Spending

Published on April 12th, 2017 | by William Charles

111

Plastiq Coding Some Purchases As Lodging (Earning 3x On CSR)

Update: No longer working.

Last week reader audi0l0gic posted a comment letting us know that their payment through Plastiq using the Chase Sapphire Reserve Capital One coded as lodging/travel. For some reason, I disregarded it as I thought it had always coded that way but didn’t earn 3x points on the Chase Sapphire Reserve. Harlan from Out and Out just earned 3x points from a Plastiq purchase on the Chase Sapphire Reserve as well.

It seems only rent/mortgage payments are coding this way. Keep in mind if that you’re new to Plastiq you can earn $800 in fee free payments, if you’re an existing user you can share your referral links in that post. The fee to pay bills/rent/mortgage with Plastiq is 2.5%, if you’re earning 3x Chase Ultimate Rewards for the purchase you’re ultimately coming ahead as if you redeem those points for cash they are worth 1¢ each.



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111 Comments on "Plastiq Coding Some Purchases As Lodging (Earning 3x On CSR)"

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Primer
Primer

Use my referral code to get fee-free dollars after your first $20 payment

[referral removed, please don’t post them unless it’s specifically allowed]

Kevin
Kevin

Interesting. My rent payment made on 3/20 coded as “all other purchases.”

Kevin
Kevin

Here is my referral link: [removed, put it in the dedicated post]

XP1
XP1

Hope this doesn’t mess up Citi AAM 3x.

MontyFC
MontyFC

Just tried CSR for BoA mortgage. As I have previously used Amex, it didn’t pop-up the cash advance window.

At Chase end, it is showing pending with description as “Bank of America”. Will update with the results once it posts.

DSP
DSP

That guy posted on reddit saying he was mistaken and that he actually paid with a capital one card. And the other blogger paid his AirBnB. Not sure if this is proven just yet.

Gary Leff

He didn’t make a payment TO Airbnb, he paid charges on a property that he rents out via Airbnb

Credit User1234
Credit User1234

Does anyone know if this will also count toward the travel credit? I assume if its 3X points for “travel” the travel credit also applies. That would be great

Bob
Bob

If it is travel then the auto system will use the travel credit against it

chenyuetian
chenyuetian

Paid a mortgage with CSR through Plastiq last month, and it is 1x on CSR. So I think it is YMMV
Mar 20, 2017 SUNTRUST MORTGAGE Sale Hide details about this transaction
This transaction posted on Mar 22, 2017
Additional merchant and transaction information
http://WWW.PLASTIQ.C, CA 941030000 US
Online, Mail, or Telephone transaction
Rewards earned with this transaction
How we calculate rewards
+ 1 Point per $1 on all other purchases
2,050.00
Total Points
2,050.00
Print activity

Harry
Harry

Thanks for your DP. Can you also post what was category Plastiq listed this (not CSR but Plastiq) as and also if it went as check or transfer?

chenyuetian
chenyuetian

Hi, in Plastiq, the payment was categorized as “Rent, Mortgage, and Real Estate”, and it was sent via check.

Harry
Harry

Thanks again. Very good DPs.
The only 2 things that could change from your DP are:
1) the date (someone has to do it in April and report back (Mine is scheduled late April).
2) ACH instead of Check.

I see from latest comments though that it appears to be a recent change.

chenyuetian
chenyuetian

Thanks. Yes the date really matters. Try to schedule a payment on 4/13, and it is 3x. Here is the detail.

Apr 13, 2017 SUNTRUST MORTGAGE Sale Hide details about this transaction
This transaction posted on Apr 14, 2017
Additional merchant and transaction information
http://WWW.PLASTIQ.C, CA 941030000 US
Online, Mail, or Telephone transaction
Rewards earned with this transaction
How we calculate rewards
+ 3 Points per $1 earned on travel
61.50
Total Points
61.50

Aaron
Aaron

From what I’ve seen it’s a very recent change. Maybe just a week or so.

chenyuetian
chenyuetian

Thanks. Yes the date really matters. Try to schedule a payment on 4/13, and it is 3x.

hg
hg

Incorporating gaming of MCC by these companies is the beginning of the end of unlimited category spend.

Bob
Bob

Not in this case. Using Plastiq for rent to the extent that it becomes a money loser for banks is a little too niche, even for the churning/MS community

chenyuetian
chenyuetian

My previous comment has been deleted?
Not sure the reason, but I don’t think I gave out any privacy info (don’t think the payment amount and the mortgage company name were privacy) , just want to give a DP to show the 3x on mortgage is YMMV. I got only 1x to pay mortgage with CSR last month on Plastiq.

NinjaX
NinjaX

i dont get it. did i miss the memo? thot CSR always codes 3x on plastiq. no? or maybe thats only with apple/android pay? so now you can charge direct? so then anyone know if you can use all CC with travel bonus?

NinjaX
NinjaX

wait.. maybe i am confusing this with radpad…

Dee
Dee

Yes you are

Harry
Harry

This is big if it really works for all rent/mortgage. Note that some users will have an offer to waive first months plastiq fee if you setup 6 months recurring mortgage/rent payment which makes the deal even better. If you have this offer, you might want to wait for DPs from others before sending out that small trial since the offer may not show up once you make the initial payment.

I do have a DP to confirm though that not all Plastiq codes that way. I used Plastiq to pay property tax using CSR and it coded as 1x only.:
Additional merchant and transaction information
HTTPSWWW.PLAS, CA 941030000 US
Online, Mail, or Telephone transaction

I have not tried mortgage/rent yet, but may do so now that it seems it may code as travel…I still have to do something for the 300 travel credit on my CSR and have no planned travel at least for the next couple months and this is a good opportunity.

Shyam
Shyam

Did anyone got 2x using Sapphire Preferred in Plastiq.

Albert H
Albert H

Curious question on the AirBNB 3x coding.

Why not use CSR on AirBNB, does it not code as 3x? Perhaps plastiq passes on the coding similar to mileage plus?

physixfan

Note that different payees in Plastiq may be coded as different categories, so it’s really YMMV.

Harry
Harry

“Rent & Real Estate” is the category to aim for based on what they have posted in the other forum. I checked and see that my previous property tax payment was sent as “Utilities” which is what caused it to earn only 1%. I have now gone ahead and done a scheduling for next month with CSR on my mortgage payment and will report back when it posts. I figured the worst that can happen is Plastiq will charge me the fee (which they waived now for having scheduled 6 months payments) and I lose lose 1.5% of my payment though I will earn UR which would reduce my losses even more since I could use them at 1.5x.

joE
joE

What constitutes a new user, just changing email address or all info like name and address needs to be different?

I signed up long time ago and never used their service due to all the issues they were first having but willing to try them now.

joe
joe

joE you don’t have to be a new user to get the 1 month fee free rental payment (when scheduling 6)

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