You might not like paying taxes, but when you pay taxes via credit card can be quite rewarding. The key is to earn credit card rewards that more than offset tax payment fees. For example, if you’ve signed up recently for a card that requires large spend to get a big welcome bonus, paying taxes via credit card can be the solution.
Here’s everything you need to know about paying taxes with credit cards…
Important due dates
2025 Tax Year Due Dates
- June 16th, 2025: 2nd Quarter 2025 estimated taxes due.
- September 15th, 2025: 3rd Quarter 2025 estimated taxes due.
- January 15th, 2026: 4th Quarter 2025 estimated taxes due.
- April 15th, 2026: 2025 annual tax filing due
For Tax Year 2025, you can begin making quarterly payments on the following dates:
- March 1, 2025, 9am Eastern Time through May 15, 2025, 7am Eastern Time.
- May 15, 2025, 7am Eastern Time through July 15, 2025, 7am Eastern Time.
- July 15, 2025, 7am Eastern Time through October 15, 2025, 7am Eastern Time
- October 15, 2025, 7am Eastern Time through January 1, 2026, 7am Eastern Time
5 reasons to pay federal taxes with a credit card or gift card
1. Profit w/ a Cash Back card earning up to 3%
A number of credit cards earn cash rewards greater than 2%. Some even earn up to 3% cash back:
- The Discover It Miles card earns 3% for the first year of card membership (you earn 1.5% and then at the end of the year all cash back earned is doubled).
- The Robinhood Gold card earns 3% cash back on all spend.
- Several Bank of America cards earn 2.62% everywhere for those with Platinum Honors status. Details here.
Example:
- $10,000 tax payment + 1.75% fee = $10,175
- Cash back earned at 3% = $305
- Profit = $305 – $175 = $130 (1.3% of $10K)
For more examples of cards that earn better than 2% rewards, see: Best Rewards for Everyday Spend.
2. Meet minimum spend requirements
If you recently signed up for new credit cards, chances are good that you have to spend thousands of dollars in order to earn the associated signup bonuses. Paying taxes is a cheap and easy way to accomplish that.
Below are some of the most valuable current welcome bonuses for consumer cards. If you’re interested in business cards, please click here to see the best business card offers.
Click on a card for details; Press “Next” to see more offers:
Card Offer
Click to learn about first year value estimates125K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler125K after $8K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual FeeThis card is only available to clients that maintain an eligible Schwab brokerage account.Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
Click to learn about first year value estimates5 x 50K Free Night Certificates ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offerEarn five 50K free night certificates after spending $5,000 on eligible purchases within the first 3 months
(Offer Expires 7/16/2025)$95 Annual FeeThis card is subject to Chase's 5/24 rule (click here for details).Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: None
Click to learn about first year value estimates90K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer90K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees)$325 Annual FeeAlternate Offer: 75K points after spending $6,000 in 6 months + 20% back at restaurants worldwide (limit $250 back)Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only]FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee.
Click to learn about first year value estimates175K Points + free night certificate ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply.
(Offer Expires 8/13/2025)$550 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: (Expired 4/29/25) 175K after $6K spend in first 6 monthsFM Mini Review: This card is loaded with valuable perks that are more than worth the card's annual fee if you stay in Hilton resorts at least twice per year.
Click to learn about first year value estimates5 x 60K Free Night Certificates ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerFive 60K free night certificates after $5K spend in 3 months after account opening.$99 Annual FeeThis card is subject to Chase's 5/24 rule (click here for details).Recent better offer: Five 60K free night certificates after $4K spend in 3 months (Expired 6/2/24)
Click to learn about first year value estimates100K points + 10x Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler100K points after $8K spend in 6 months + 10x points at restaurants worldwide on up to $25K spend in 6 months. Terms apply.$695 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 175K points after $8K spend in 6 months.FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.
Click to learn about first year value estimates65K miles + Companion Fare Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler65k miles + companion fare after $3K spend in 90 days $95 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 75K miles + companion fare after $3k in spend (expired 6/5/25)FM Mini Review: Alaska miles are quite valuable so this offer is better than it appears
Click to learn about first year value estimates75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer75k miles after $4k spend within first 3 months. $395 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first yearFM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review
Click to learn about first year value estimates80K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerLimited Time Offer: Earn 80,000 bonus miles after you spend $3,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees)
(Offer Expires 7/16/2025)$0 introductory annual fee for the first year, then $150Alternate Offer: Dummy booking offer of 50K + $500 credit. See this for more details.FM Mini Review: Priority boarding, and free checked bag make this a reasonably good option for Delta flyers who do not have elite status. However, those who can make use of an annual companion certificate would do better with the Delta Platinum card.
Click to learn about first year value estimates65K Points + $100 Voucher Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler65K points plus $100 companion voucher after $1K spend in 90 days (enter any 110662 as "employee code")$0 introductory annual fee for the first year, then $79Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Click to learn about first year value estimates80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler80K after $8K spend in first 6 months. Terms apply.$695 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 150K after $8k spend in the first 6 months. (Expired 6/11/25)FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.
Click to learn about first year value estimates60K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerEarn 60,000 bonus points after spending $5,000 within the first three months from account opening.$95 Annual FeeRecent better offer: Expired 5/14/25: 100K after $5K spendFM Mini Review: Great welcome offer. Unlocks ability to transfer points to hotel & airline partners. Solid option to pair with no annual fee Ultimate Rewards cards such as the Freedom cards, Ink Business Cash, and Ink Business Unlimited.
Click to learn about first year value estimates130K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer130K points after $3K spend within the first 6 months. Terms apply.
(Offer Expires 8/13/2025)$0 introductory annual fee for the first year, then $150Recent better offer: (Expired 4/29/25) 130K points + free night certificate after $3K spend within the first 6 months.FM Mini Review: Easy way to secure Hilton Gold status (which offers free breakfast among other perks). Those who want Diamond status may be better off with the Aspire card.
Click to learn about first year value estimates60K points Non-AffiliateThis is NOT an affiliate offer.60K after $4,000 spend in first 3 months.$95 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Click to learn about first year value estimates60K points + Free Night Certificate ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer60K points + 50K Free Night Certificate after $2k spend. Terms apply. No Annual FeeThis card is subject to Chase's 5/24 rule (click here for details).Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: NoneFM Mini Review: The best use for this card is probably to downgrade from the Ritz or Boundless card to avoid the annual fee. That way, you can always upgrade again when you need the annual free night or other perks
Click to learn about first year value estimates90K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerLimited Time Offer: Earn 90,000 bonus miles after you spend $4,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees)
(Offer Expires 7/16/2025)$350 Annual FeeAlternate Offer: Dummy booking offer of 70K + $400 credit. See this for more details.FM Mini Review: Good choice for frequent Delta flyers who can make use of annual companion certificate
Click to learn about first year value estimatesLimited Time Offer: 70K Miles + 500 PQPs ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer70K miles and 500 PQPs after $4K spend in the first 3 months. Plus, earn an extra 5,000 miles after you add an authorized user to your account in the first 3 months your account is open.
(Offer Expires 6/22/2025)$350 Annual FeeThis card is subject to Chase's 5/24 rule (click here for details).Recent better offer: 90K Miles + 500 PQP after $4K in spend (expired 5/8/25)
Click to learn about first year value estimatesUp to 150K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerEarn 100K points after $6k in eligible purchases and an extra 50K after an additional $2K within your first 6 months of card membership. Terms apply. (Rates & Fees)$650 Annual FeeRecent better offer: 185k points after $6K spend within the first 6 months. [Expired 5/14/25]FM Mini Review: Decent ultra-premium option for Marriott fans, especially those aiming for lifetime status tiers
(Offer Expires 6/16/2025)$99 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: None, this is the best that we've seenFM Mini Review: The reward fee rebate can make this card worth keeping if you'll be booking award flights with Qatar Avios
Click to learn about first year value estimates60K Points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer60K after $5K spend in 3 months$550 Annual FeeAlternate Offer: 70K after $4K spend showing on some accounts when logged-in to ChaseRecent better offer: Expired 12/1/22: 80K after $4K spendFM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no annual fee Chase Freedom Flex, Freedom Unlimited & Chase Ink Cash cards Click here for our complete card review
Click to learn about first year value estimates100K Points + $100 Statement Credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer100K points + $100 statement credit after $2K spend within the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 8/13/2025)No Annual FeeRecent better offer: 70K points + free night certificate after $2K spend within the first 6 months. (Expired 4/29/25)FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Surpass card.
Click to learn about first year value estimates60K points Non-AffiliateThis is NOT an affiliate offer.60K points (worth up to $600) after $4K spend in 90 days$95 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: This card has best-in-class earnings for those with $100K+ invested with BOA. With that level of investment, you would earn 3.5X travel & dining and 2.62X everywhere else.
(Offer Expires 7/16/2025)$695 Annual FeeThis card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 95k miles after $5k spend in first 3 months (expired 5/8/25)FM Mini Review: While pricey, the Chase United Club Infinite Card is a great choice for those who want a United club membership and other perks like a 10% discount on saver awards. .
Click to learn about first year value estimates100K miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerLimited Time Offer: Earn 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first 6 months of card membership. Terms apply. (Rates & Fees)
(Offer Expires 7/16/2025)$650 Annual FeeFM Mini Review: Excellent choice for frequent Delta flyers who can make use of Delta Sky Club® access and companion certificate. Also a good choice for big spenders seeking Delta elite status.
(Offer Expires 6/16/2025)$499 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: None, this is the best that we've seenFM Mini Review: Getting complimentary oneworld Sapphire for one year could be appealing for folks who value the Admiral's Club access. Beyond that, the card's steep annual fee will probably make this most appealing for those who actually fly Qatar regularly, especially now that there's the reward fee rebate
Click to learn about first year value estimates75K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler75K (worth up to $750) after $5K spend in 90 days$550 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: With $100K+ invested with BOA / Merrill Edge or Merrill Lynch, you would earn 3.5X travel & dining and 2.62X everywhere else. With the 20% discount on flights booked via the BOA Travel Center, this card effectively earns 4.375% on travel & dining and 3.28% back everywhere else when used toward flights for those with Platinum Honors status.
(Offer Expires 7/16/2025)No Annual FeeThis card is subject to Chase's 5/24 rule (click here for details).
(Offer Expires 6/16/2025)$79 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: (Expired 1/10/25) Earn 50K bonus miles + 10K status miles after $2.5K in first 90 daysFM Mini Review: The two free checked bags per year and two lounge passes could justify the annual fee, but this card isn't a clear win for most people.
Click to learn about first year value estimates$150 + 5K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler$150 statement credit after first purchase + 5,000 points after spending $500 in the first 90 daysNo Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Click to learn about first year value estimates$150 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer$150 Amazon gift card upon approval. Terms apply. No Annual FeeRecent better offer: $200 Amazon gift card after first purchase (expired 12/5/24)FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases.
Click to learn about first year value estimates$150 Amazon Gift Card ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerEarn up to a $150 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.No Annual FeeFM Mini Review: Not as compelling as the Prime Visa Card and, if you buy enough Amazon items to be interested in it, you should probably be a Prime member anyway.
Click to learn about first year value estimates30K points + $200 Resort Credit Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler30K points after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. $249 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 40K points + 10K tier credits after $5K spend in the first 3 billing cycles + $200 resort credit on account opening. (Expired 6/1/25)FM Mini Review: Could be a decent option for MGM loyalists who spend at MGM resorts.
Click to learn about first year value estimatesNone Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent MilerNo bonus at this time.$400 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).
Click to learn about first year value estimatesNone (call to apply) Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent MilerThis card does not currently have a welcome offer$495 Annual FeeBonus offer is not available to either current or previous UBS credit cardmembersInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: May be worth considering if you highly value the card's perks and if you can maximize rewards by purchasing flights costing as close to $900 as possible for 50,000 points (up to 1.8 cents per point value)
![](http://cdn.nextinsure.com/imaging/opt/baae32df-1232-4695-9568-ff3584dc31bf.png?w=300" alt="American Express® Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/09d4a050-a29b-4322-9c43-9e2b7aad2ec3.png?w=300" alt="The Platinum Card® from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/eb233dca-b4f3-4d23-813c-614789753d27.jpg?w=300" alt="Delta SkyMiles® Platinum American Express Card" />)
![](http://cdn.nextinsure.com/imaging/opt/78194071-052d-428a-ac7c-204876e29293.png?w=300" alt="Marriott Bonvoy Bevy® American Express® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/9f8c8210-3d62-4663-8cd9-52f0feb9f6d4.png?w=300" alt="Marriott Bonvoy Brilliant® American Express® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/e671653b-c490-4729-9c84-06cd764bdbe0.png?w=300" alt="Hilton Honors American Express Card" />)
![](http://cdn.nextinsure.com/imaging/opt/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg?w=300" alt="Blue Cash Preferred® Card from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/38f795f6-02b0-48ac-8a40-3d1c6dcbe774.png?w=300" alt="Blue Cash Everyday® Card from American Express" />)
3. Buy points cheaply
Several credit cards offer as much as 1.5 transferable points or miles per dollar. In these cases, a 1.75% tax payment fee means that you can essentially buy miles for 1.15 cents each. Even better, some cards earn 2 transferable points per dollar for all qualifying purchases. With these 2X everywhere cards you can essentially buy points/miles for 0.86 cents each. Either way, if you plan to use your points toward high value awards, this is a cheap way to acquire those points.
2X Example:
- $10,000 tax payment + 1.75% fee = $10,175
- Miles earned at 2X = 20,350
- Cost per mile = $175 / 20,350 = 0.86 cents per mile (round up to 1 cent per mile)
1.5X Example:
- $10,000 tax payment + 1.75% fee = $10,175
- Miles earned at 1.5X = 15,263
- Cost per mile = $175 / 15,263 = 1.15 cents per mile
Cards that offer 2X transferable points per dollar:
Note that some cards offering 2x everywhere are not included below because their points are worth much less than airline miles. An example is that most Marriott cards offer 2x everywhere rewards.
- Citi Double Cash: Earns 2 cents per dollar, uncapped. Cash rewards can be converted to ThankYou points, and when paired with a Citi Premier or Prestige card, those points can be transferred to a selection of airline and hotel programs.
Card Offer and Details 
ⓘ $299 1st Yr Value EstimateClick to learn about first year value estimates20K points Non-AffiliateThis is NOT an affiliate offer.$200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points.No Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines. Click here for our complete card reviewEarning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase). ✦ Earn 5% total cash back on hotel, car rentals, and attractions booked on Citi TravelSM Portal through 12/31/25.Base: 2X (3%)Card Info: Mastercard World Elite issued by Citi. This card imposes foreign transaction fees.Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases ✦ 24 month extended warrantySee also: Citi ThankYou Rewards Complete Guide - Amex Blue Business Plus: Earns 2 Membership Rewards points per dollar on up to $50K spend per calendar year. Points can be transferred to a large selection of airline programs or to a few hotel programs.
Card Offer and Details ![](//cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />)
ⓘ $233 1st Yr Value EstimateClick to learn about first year value estimates15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%,, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual FeeAlternate Offer: Some people have been targeted for an offer in their online account for 75K points after $15K in purchases in their first 12 months.FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Click here for our complete card reviewEarning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)Base: 2X (3.1%)Card Info: Amex Credit Card issued by Amex. This card imposes foreign transaction fees. - Capital One Venture, Venture X, or Spark Miles. Capital One offers three cards that earn 2X “Miles” per dollar on all qualifying spend. These “miles” can be transferred to airline miles & hotel points, usually at a 1 to 1 rate. This means that the following cards are capable of earning 2X miles everywhere:
Card Offer and Details 
ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer75k miles after $4k spend within first 3 months$95 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: 75k miles after $4k spend within first 3 months + a one-time $250 Capital One Travel credit to use in your first cardholder yearFM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card reviewEarning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One TravelCard Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.Noteworthy perks: Receive up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees
ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265
Click to learn about first year value estimates75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer75k miles after $4k spend within first 3 months. $395 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first yearFM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card reviewEarning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else.Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees.Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership (lounges only) after enrollment ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points![](//cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />)
ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerEarn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 RuleFM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs.Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One's travel booking siteBase: 2X (2.9%)Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees.Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees ✦ Up to $120 fee credit for TSA PreCheck® application fee or Global Entry application fee
![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />)
Cards that offer 1.5X points or airline miles per dollar:
- Chase Ultimate Rewards. Two no-fee cards in Chase’s lineup earn 1.5 Ultimate Rewards points per dollar for all spend. Pair either one with a premium card (e.g. Sapphire Reserve, Sapphire Preferred, Ink Business Preferred) to transfer points to several airline or hotel programs:
Card Offer and Details 
ⓘ $296 1st Yr Value EstimateClick to learn about first year value estimates$200 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offerEarn $200 (*awarded as 20,000 points) after spending $500 in the first 3 monthsNo Annual FeeThis card is likely subject to Chase's 5/24 rule (click here for details).Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Click here for our complete card reviewEarning rate: 5x travel booked through Chase Travel℠ ✦ 3x dining ✦ 3x drugstores ✦ 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 ✦ 1.5X everywhere elseCard Info: Visa Signature or Platinum issued by Chase. This card imposes foreign transaction fees.Noteworthy perks: Free DoorDash DashPass for 6 months upon activation ✦ $10 quarterly credit for non-restaurant DoorDash ordersSee also: Chase Ultimate Rewards Complete Guide
ⓘ $1074 1st Yr Value EstimateClick to learn about first year value estimates$750 cash back* ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer$750 (*awarded as 75,000 points) after $6k spend in 3 monthsNo Annual FeeFM Mini Review: Great welcome offer for a no annual fee card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Click here for our complete card reviewEarning rate: 1.5X on all purchases ✦ 5X Lyft through September 2027Card Info: Visa Signature Business issued by Chase. This card imposes foreign transaction fees.Noteworthy perks: ✦ Complimentary Instacart+ for 3 months (must activate by 12/31/27) ✦ $20 monthly Instacart creditSee also: Chase Ultimate Rewards Complete Guide - Amex Membership Rewards. The Business Platinum card earns 1.5 points per dollar for purchases of $5,000 or more. Important: The tax payment and tax payment fee will be charged separately and so the tax payment alone on a Business Platinum card must be $5,000 or more in order to earn 1.5x rewards.
Card Offer and Details ![](//cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />)
ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150
Click to learn about first year value estimatesLimited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. (Rates & Fees)
(Offer Expires 6/30/2025)$695 Annual FeeRecent better offer: 250K after $20K spend expired 2/10/25FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. Click here for our complete card reviewEarning rate: Earn 5X flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. ✦ 1.5X points per dollar on eligible purchases of $5000 or more (on up to $2 million of those purchases per year) ✦ 1.5x on US construction/hardware stores, US electronic goods, and US shipping ✦ 1X elsewhere ✦ Terms apply.Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.Noteworthy perks: Select one qualifying airline and receive up to $200 in statement credits per calendar year for qualifying charges ✦ Up to $400 a year in statement credits for Dell purchases ($200, twice-yearly) ✦ Up to $200 in Hilton credits ($50 per quarter) ✦ Up to $120 in wireless services credits per year ($10 per month) ✦ Global Entry statement credit every 4 years ($120) or TSA PreCheck statement credit every 4.5 years ✦ Global Lounge Access benefits: Priority Pass membership (Lounges only) with 2 guests, Centurion Lounge access. Also, Delta Sky Club® access (when flying an eligible Delta flight): 10 visits per year February 1 until January 31 of the next calendar year (after 10 visits have been used, additional visits can be purchased for $50 each or earn unlimited visits after spending $75K/calendar year on the card). Access limited to eligible card members ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Gold status. ✦ $199 CLEAR® fee reimbursement annually ✦ 35% Airline Bonus: Get 35% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Enrollment required for select benefitsSee also: Amex Platinum Guide - Airline miles. A few airline branded cards offer 1.5 miles per dollar for all spend:
Card Offer and Details 
ⓘ $-100 1st Yr Value EstimateClick to learn about first year value estimatesNoneCard is currently not available to new applicants.$90 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.Earning rate: 3X Virgin Atlantic ✦ 1.5X everywhere elseCard Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.Big spend bonus: Companion award ticket with $25K annual spend ✦ 7,500 bonus points with $15K cardmember year spend + an additional 7,500 points with $25K cardmember year spend ✦ 25 tier points towards elite status per $2,500 spend (max 50 tier points per month).
ⓘ $787 1st Yr Value EstimateClick to learn about first year value estimates70K miles + 100XP Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler70K miles + 40XP after $3K in the first 90 days + 60 XP upon approval$89 Annual FeeAlternate Offer: Some people get an offer for $100 statement credit while doing a dummy booking.Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card reviewEarning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere elseCard Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous yearNoteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.
![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />)
4. Earn valuable big spend bonuses: elite status, free nights, companion pass, etc.
Many credit cards offer bonuses for meeting high spend thresholds. You can find a comprehensive list here: Best big spend bonuses. Here are a few examples:
- Southwest Plus, Southwest Premier, or Southwest Business: With Southwest cards, when you earn 135,000 points in a calendar year (including points earned from credit card spend) you get a companion pass good for an unlimited number of flights for the rest of that year and all of the next calendar year.
- Barclaycard JetBlue Plus, or JetBlue Business: Spend $50,000 and get Mosaic 1 status which offers free changes and cancellations; free checked bags; expedited security; early boarding; free drinks; enhanced point earnings; and 15,000 bonus points upon qualifying.
5. Liquidate Visa/MasterCard gift cards cheaply
Visa and MasterCard gift cards are debit cards. As such, they qualify for low flat fees for debit tax payments: $2.10 or $2.15 (depending upon the tax processor you use). In other words, your cost to liquidate $500 gift cards will be slightly less than half a percent. That’s pretty cheap.
If you use $500 Visa/MasterCard gift cards, then you can pay the following amounts:
- Pay1040.com ($2.15 fee): Make a $497.85 payment with a $500 gift card.
- What is known to work:
- Metabank/Pathward-issued Visa gift cards (including from Simon Mall) appear to be working again. JustSaying 11/24 and Steve 5/2025.
- Sunrise Visa working as debit at Pay1040.
- Vanilla brand Mastercard gift cards work at Pay1040. Reported by Yue and JN2. Or maybe not (Ryan 4/25)?
- What is reported not to work:
- Metabank-issued Mastercard gift cards are not working as debit cards. Reported Jeff 4/25 .
- Simon Mall Visa gift card: Stoneme 11/24 and Mel 11/24.
- Vanilla brand Visa gift card: Colabus 12/24 and Hoko 4/24
- Secure Spend (Incomm): Nitpicker 5/25.
- What is known to work:
- ACI Payments ($2.10 fee): Make a $497.90 payment with a $500 gift card.
- What is known to work:
- Metabank/Pathward-issued Visa gift cards appear to be working (note though that this seems to come and go over time). Most recent positive DP reported by Steve 5/25.
- Vanilla brand MC gift cards work at ACI.
- What is reported not to work:
- Metabank/Pathward-issued Mastercard gift cards are not working as debit cards. Reported by Jeff 4/25.
- Simon Mall Visa Gift Card: Mel 11/24.
- Vanilla brand Visa gift card: Reported by Colabus 12/24 and Hoko 4/25.
- Secure Spend (Incomm): Nitpicker 5/25.
- What is known to work:
The biggest problem with this (besides the fact that what works and what doesn’t work keeps changing!) is the IRS imposed 2 payments per processor limit. This means that you can liquidate no more than 4 gift cards per type of tax payment now that PayUSATax is no longer available. In the past, Official Payments allowed more.
See also: Best options for buying Visa and MasterCard gift cards.
How to pay taxes via credit card: Key Information
Here is key information you’ll need to know about paying taxes with credit or debit cards:
Credit card fee 1.75% to 2.95%
The IRS maintains a list of companies that accept credit and debit cards towards tax payments. You can find the current information by clicking here. Alternatively, you can pay taxes via the Plastiq Bill Pay service or Melio Bill Pay service.
Pay 1040 fees
- Consumer or Small Business Credit card: 1.75%
- Commercial credit or debit card: 2.89%
- Consumer debit card: $2.15
ACI Payments
- Consumer Credit Card: 1.85%
- Business Credit or Debit Card: 2.95%
- Consumer debit card: $2.10
Plastiq fee
- Credit or debit card: 2.9% + $1.49 per payment
Melio fee for paying business taxes
- Credit or debit card: 2.9%
Additional Info Direct from the IRS
The IRS page that lists options for paying by credit or debit card also lists the following “Additional Information”:
- No part of the card service fee goes to IRS.
- You don’t need to send in a voucher if you pay by card.
- Card processing fees are tax deductible for business taxes.
- You must contact the card processor to cancel a card payment.
- IRS will refund any overpayment unless you owe a debt on your account.
- Your card statement will list your payment as “United States Treasury Tax Payment” and your fee as “Tax Payment Convenience Fee” or something similar.
- Federal tax lien releases can take up to 30 days after we receive full payment; liens may remain for other individuals who haven’t fully paid their portion.
- When you pay while filing your taxes through online software, different card fees apply.
Two payment limit per processor
The IRS maintains a table of frequency limits for paying taxes via credit or debit card (found here). In general, they say you can make up to two payments per tax period per type of tax payment. For example, you can make 2 payments every quarter to your quarterly estimated taxes, and you can make 2 payments every year to your annual taxes. Important: In my experience, these limits are enforced per payment processing company. That means that you can really make up to 4 payments per tax period per type of tax payment, (or more if you make Plastiq bill payments as well). An IRS advisor I spoke with several years ago did not think that there would be any problem with making more than 2 payments by using different processors. Since then, I have made more than 2 payments per tax period many times and never had any issues. That is, of course, just my own personal experience. I can’t guarantee that your outcome would be the same.
Twice as many potential payments when filing jointly
If you file jointly with a partner, you can make payments in each person’s name, separately. These payments will still apply to the one overall tax return, but not always automatically. According to reader reports, in some cases the IRS matches these payments to the combined return automatically. In other cases, people have reported the need to call the IRS to ask them to combine the payments. I recommend calling shortly after filing your annual taxes to ensure that the IRS has correctly applied both sets of payments to the same return.
Obviously if you are filing separately, you can each make your own payments without any issues.
Unlimited payments via Plastiq
If you’re willing to incur higher fees, you can make an unlimited number of tax payments via the Plastiq bill pay service. Plastiq usually charges 2.9% + $1.49 to pay bills (including taxes) via credit card, but they occasionally offer lower fees via short term promotions. For details, please see: Plastiq Bill Payment Service.
To pay taxes via Plastiq, use Plastiq’s tax payment screen: plastiq.com/us-taxes.
Unlimited business tax payments via Melio
Melio is a bill payment service like Plastiq (see above), but it only allows paying business expenses. If you’re paying taxes for your business, that should be fine. Melio charges a 2.9% fee to pay by credit card.
For details, including the latest Melio welcome offer, see: Melio – Pay business bills by credit card.
Pay with PayPal
Both payment processors allow payments via PayPal. Sometimes cards like the Discover It, Discover It Student, and Chase Freedom Flex offer 5% rewards for PayPal purchases (up to $1500 combined spend per quarter). Tax payments during these times should count!
This might also be a good option for payments with a commercial credit or debit card as this might bypass the higher 2.89%-2.95% fee and only charge the lower 1.75%-1.85% fee.
Something important to be aware of though is that if the selected card in your PayPal Wallet doesn’t work for one reason or another, PayPal will try different cards in your wallet. This could lead to a sub-optimal card being used.
PayPal has setting for turning off backup payment methods that you can find here. It’s always good practice to make sure that it’s set to “off” if you do keep multiple card in your virtual wallet. However, the only 100% surefire way to prevent the wrong card from being charged is to delete all other cards – as well as any linked checking accounts – from your account, leaving only the one card you do want used.
Pay with Samsung Pay & Google Pay
Some tax payment websites support mobile wallet payments such as Samsung Pay or Google Pay. The US Bank Altitude Reserve card earns 3X for mobile wallet payments, so it should be a great match. However, readers have reported that Samsung Pay and Google Pay are only supported through Visa Checkout and that this does not trigger the Altitude’s 3X rewards.
Frequently Asked Questions
What should I do if a processor won’t let me use business card to pay personal taxes?
There are some processors that will give you an error if you try to use what it identifies as a business credit card. Fortunately, there’s usually an easy workaround: add your business card to your PayPal account and use that to pay.
Will I be charged a cash advance fee when paying taxes with a credit card?
I’m often asked whether credit card companies charge cash advance fees when paying taxes by credit card. The answer is no. Both official IRS payment processors agree (via their FAQ pages) that the payment is treated as a purchase not a cash advance. You can find FAQ info here and here.
Are tax payment fees deductible?
Fees are no longer deductible for personal taxes: Tax preparation fees used to be deductible when itemizing deductions for personal tax returns, but that is no longer the case.
Card processing fees are tax deductible for business taxes: This can substantially reduce your net cost of using payment services.
How can I see my tax payment history online?
Once you’ve made payments through online processors, Plastiq, or other means, you may want to see proof that the IRS received the amount you sent. You can view past payments by signing up here: irs.gov/payments/view-your-tax-account.
When should I report estimated tax payments?
Estimated payments should be reported when filing your annual taxes. In my experience, if you make a mistake and forget to report some of these payments, the IRS will eventually catch the error and refund the difference.
How should I pay end of year taxes?
Tell your tax preparer or tax software that you’ll pay via check. Then, browse to the appropriate tax payment site (e.g. Pay1040.com, OfficialPayments.com, or Plastiq.com/us-taxes) to pay your taxes. There is no need to mail in the 1040V payment voucher.
What happens if I over-pay my taxes?
Overpayments will be refunded: The IRS will refund any overpayment unless you owe a debt on your account.
How do I request a refund if it doesn’t come automatically?
Schedule an appointment with the Taxpayer Assistance Center by calling 844-545-5640. When you finally speak to an agent, explain that you overpaid and would like a refund rather than applying the extra to next year’s taxes. Hat Tip: Rapid Travel Chai via personal communication.
Do I need to mail in payment vouchers?
No. No payment voucher is required. You don’t need to send in a voucher if you pay by card.
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Tried for the first time to use my BAR Aviator Silver card on pay1040 for the reduced fee and it didn’t work. Did that deal die?
Just noticed that starting early this year, I’ve been getting dinged with 2.9% for using Paypal to pay with my Synchrony Paypal card on Pay1040. I never looked closely since it was 1.8% all prior years.
$500 Vanilla VISA issued by Pathward bought at Speedway failed on Pay1040
I thought this used to be in the article, but here are the dates for when payments can be made for each quarter.
For 1040-ES – Estimated Tax – Tax Year 2025, you can begin making quarterly payments on the following dates:
● March 1, 2025, 9am Eastern Time through May 15, 2025, 7am Eastern Time.
● May 15, 2025, 7am Eastern Time through July 15, 2025, 7am Eastern Time.
● July 15, 2025, 7am Eastern Time through October 15, 2025, 7am Eastern Time
● October 15, 2025, 7am Eastern Time through January 1, 2026, 7am Eastern Time
Thanks for posting – I had been looking for this!
Just a reminder that Q2 personal payments are due June 16, not July 15.
Per BofA, the IRS does not accept temporary credit cards. I said “but BofA issues real credit card numbers, it should work!” But no.
Data points for $500 Visa gift cards from Staples (issued by Pathward):
Blackhawk MC worked at pay1040
Secure Spend cards didn’t work at either processor (incomm-pathward card). I’ve used them in the past.
Did anyone try Secure Spend cards via paypal?
FYI – beware paying with Paypal and getting the correct card charged.
Used the ACI payment portal. I was trying to charge a Hawaiian Biz card and ACI would not accept it directly. So then chose to use Paypal for payment. I have had this issue before so I deleted all the credit cards from my Paypal account. I just had my linked bank account and the one card I wanted to be charged. I set the card to be my ‘preferred’ payment in Paypal. Within ACI, I got a window that showed my Paypal options and the Hawaiian Biz card was already selected as the payment choice. Proceeded to complete the tax payment and then went to Paypal to check the transaction – only the fees were charged to the card, the actual tax payment was charged to my bank account. ARGH. So annoying and frustrating.
I then tried to do another Paypal charge in ACI, since I still had more taxes to pay. I deleted the bank account, now the only thing in my Paypal wallet was the credit card. I got an error code from ACI saying that Paypal would not process the payment. Bastards. Went to Pay1040 and had no issues using the cards at all.
@GemGal just as another datapoint. I had no issues today when using PayPal on ACI. ACI had me log into PayPal and made it very easy to choose my preferred card. I then confirmed that the correct card was charged at the 1.85% fee.
However, I did first try Pay1040, and even though I was using a personal card (Chase Freedom Unlimited) with PayPal it was going to charge me the 2.89% reserved for business credit cards instead of the 1.75%.
Greg, is this a recent development on Pay1040 with PayPal and consumer cards? I don’t think this was the case in years’ past???
I experienced the same thing today: Pay1040 was charging 2.89% for any PayPal payment regardless of source (bank, personal CC, business CC) and ACI was only charging 1.85% for personal or business CC. Since I wanted to make a $5K payment toward my Biz Plat SUB as well as a PayPal 5x-on-$1500 Chase Freedom Unlimited offer, that is what I opted for in both cases.
ACI is refusing to allow a business card for personal tax return.
Is this confirmed? I did try with ACI and wasn’t mathing properly and the fee using Paypal with a business gold was coming out to 2.89%. I went through and it looked like it was successful (even received a receipt from Paypal) but ACI returned an error (and I never received a receipt either). Went over to Pay1040 and it worked just fine (Paypal @1.95%). Now I’m stuck hoping ACI properly cancels the payment…
Tried to use a personal card with a special 5% via paypal offer to pay taxes on 1040 site. the fee was higher than expected at 2.89. Called 1040. Yes, as of Jan 1 they are now charging the higher fee on paypal transactions (like they charge for AMEX). We need to upgrade the fee grid that goes out from FF. Note: there is no mention of increased fee on 1040 website.
Vanilla Visa Issued by Sutton and Serviced by Incomm failed on both Pay1040 and ACI
Ready to file taxes via Turbo Tax, option is to pay through them, fee is 2.49% via a credit card or mail a check. Can one say mail a check and go online and pay taxes via a credit card on the 14th April ?
Yes, I do that every year.
Does anyone know if I can use my credit card to pay for a parents tax bill?
Yes you can. You can even pay mine if you want 🙂
Pathward MC $500 gift card is declining the transaction from both Pay1040 and ACI. It’s not the sites rejecting the card, it’s the debit card declining. I can see the declined transaction in the card’s activity. With both, tried amounts that with the fee will total $500, and also tried amounts totaling $450 and $400.
Same here – $500 Pathward MC from CVS is getting declined when attempting a payment on both sites. I thought I was able to use these a few months ago.
Also tried “Click to Pay” and it doesn’t work either.
It might be worth making a small purchase on the card first to “prime” it. And then liquidating the remaining balance for your taxes. That strategy worked for me recently when MO purchase for the full $500 was being declined by the GC issuer (I assume due to some over zealous fraud prevention algorithm). If you give it a try, please let us know the outcome.
CapitalOne Spark Business Cash Plus card, via PayPal. Pay1040 recognized it being a business card and and was gonna charge me 2.9%. Didn’t commit to pay. Used ACI instead and the fee was 1.85%.
InCommon vanilla master card doesn’t work for pay1040. Declined, anyone experience same ?