Pay taxes via credit card 2020 edition

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…

What’s new?

• October 15 2020:  Chase Freedom and Freedom Flex cards are offering 5X this quarter (Oct – Dec) for Paypal spend.  PayUSATax accepts Paypal, so it should be possible to get 5% back for paying taxes, up to the Freedom $1500 limit.
• Sep 9 2020: Clarified section regarding sending extra payments when filing jointly.
• July 13 2020:  Discover It is offering 5% back this quarter (July – September) for Paypal spend.  PayUSATax accepts Paypal, so it should be possible to get 5% back for paying taxes, up to the Discover It $1500 limit.
• June 27 2020: Visa gift cards weren’t working at Official Payments for a while, but as of June 27, 2020 (if not earlier), Visa gift cards have been working again.
• July 1: Plastiq bill payment fees increase to 2.85%

Important due dates

• January 15 2020: 4th quarter estimated taxes for 2019
• July 15 2020:
  • Final 2019 taxes due (usually April 15)
  • 1st quarter 2020 estimated taxes (usually April 15)
  • 2nd quarter 2020 estimated taxes (usually June 15).
• September 15: 3rd quarter 2020 estimated taxes
• January 15 2021: 4th quarter 2020 estimated taxes

Pay taxes via credit card: Key Info

Here is key information you’ll need to know about paying taxes with credit or debit cards:

Credit card fee 1.87% to 1.99% (or 2.85%)

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. Currently there are three separate payment processing companies on the list. At the time of this writing, debit card fees range from $2 to $3.95 per transaction and credit card fees range from 1.87% to 1.99%. Alternatively, you can pay taxes via the Plastiq Bill Pay service, but that will cost you more: 2.85% (as of July 1 2020).

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 6 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.

No cash advance fees

I’m often asked whether credit card companies charge cash advance fees when paying taxes by credit card. The answer is no. All three 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, here, and here.

Unlimited payments via Plastiq

If you’re willing to incur slightly higher fees, you can make an unlimited number of tax payments via the Plastiq bill pay service. Plastiq usually charges 2.85% 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.

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.

Tax payment history (how to see your info 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.

Reporting estimated 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 catch the error and refund the difference.

How to 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, PayUSAtax.com, or Plastiq.com/us-taxes) to pay your taxes. There is no need to mail in the 1040V payment voucher.

What happens if you over-pay your taxes?

Overpayments will be refunded: The IRS will refund any overpayment unless you owe a debt on your account.

Do you need to mail in payment vouchers?

No. No payment voucher required. You don’t need to send in a voucher if you pay by card.

Paypal

PayUSATax allows payments via PayPal.  Sometimes cards like the Discover It, Discover It Student, and Chase Freedom offer 5% rewards for Paypal purchases (up to $1500 combined spend per quarter).  Tax payments during these times should count!

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.

Amex Express Checkout

Since Amex is strict about not counting manufactured spending towards new credit card welcome bonuses, tax payments are a great alternative. The nice thing about Amex Express Checkout is that you can use it to make payments even if you don’t have your card. If you recently signed up for a new Amex card and added it to your online account but haven’t yet received the physical card, you should still be able to pay through Amex Express Checkout.

Top 5 reasons to pay federal taxes with a credit card or gift card

1. Profit

A number of credit cards earn cash rewards greater than 1.87%. One great option is to earn 3% cash back in your first year of card membership:

• 3% first year:
  

  Discover it Miles - Double Miles your first year     ➥More   ⓘ $100 1st Yr Value Estimate $100 + First Year Double Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee     Info 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: Great card to get for its first year 3% cash back. Card Type: Discover Base 1.5% Earning rate: 1.5 miles per dollar for all spend. Noteworthy perks: ⚬ No foreign transaction fees ⚬ Redeem miles for travel or for cash back (1 cent per mile either way) See also: Discover introduces a new card and a potentially VERY lucrative 1st year offer

Since you’ll earn 3% cash back on both the base tax payment and the processing fees with the above cards, your profit should be approximately 1.186% of your tax payment.

Example:

• $10,000 tax payment + 1.87% fee = $10,187
• Cash back earned at 3% = $305.61
• Profit = $305.61 – $187 = $118.61 (1.186% 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
Barclays JetBlue Plus Mastercard     ➥More   ⓘ $1131 1st Yr Value Estimate 100K Miles 100K: 50K after $1K spend in 90 days, plus 50K more after a total of $6K spend in 12 months $99 Annual Fee     Info 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 we've seen.
Chase Sapphire Preferred Card     ➥More   ⓘ $1045 1st Yr Value Estimate 80K Points 80K after $4K spend in the first 3 months $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None. This is the best offer we've seen.
Chase Freedom Unlimited     ➥More   ⓘ $840 1st Yr Value Estimate 20K points + 5X grocery + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Recent better offer: None. This is the best offer we've seen.
Chase Freedom Flex     ➥More   ⓘ $840 1st Yr Value Estimate 20K points + 5X grocery + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after $500 spend in 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Chase IHG® Rewards Club Premier Credit Card     ➥More   ⓘ $840 1st Yr Value Estimate 140K Points 140K after $3K in the first 3 months No Annual Fee First Year, Then $89     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: None.
UBS Visa Infinite     ➥More   ⓘ $825 1st Yr Value Estimate Up to 100K points (call to apply) 50K after $10K spend in 3 months + 50K after paying 2nd year annual fee No Annual Fee First Year, Then $495     Bonus offer is not available to either current or previous UBS credit cardmembers
Hilton Honors American Express Aspire Card     ➥More   ⓘ $776 1st Yr Value Estimate 150K Points 150K after $4K spend in 3 months. Terms apply. (Rates & Fees) $450 Annual Fee
Capital One Venture Rewards Credit Card     ➥More   ⓘ $775 1st Yr Value Estimate 100K "Miles" Earn 100K bonus miles when you spend $20K on purchases in the first 12 months from account opening, or still earn 50K miles if you spend $3K on purchases in the first 3 months $95 Annual Fee     Recent better offer: None. This is the best we've seen in recent years.
The Platinum Card® from American Express     ➥More   ⓘ $758 1st Yr Value Estimate 60K points + up to $300 in statement credits 60K after $5K spend in 3 months plus 20% back as a statement credit for restaurant purchases worldwide for the first 12 months up to $300 back. Terms apply. $550 Annual Fee     Via some browsers you may find a targeted 75K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler) Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Virgin Atlantic World Elite Mastercard     ➥More   ⓘ $734 1st Yr Value Estimate Up to 65K miles 60K after $2K spend plus 5K after adding 2 authorized users $90 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi AAdvantage Platinum Select World Elite Mastercard     ➥More   ⓘ $729 1st Yr Value Estimate 60K miles 60K miles after $3,000 spend in the first 3 months No Annual Fee First Year, Then $99     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Premier Card     ➥More   ⓘ $713 1st Yr Value Estimate 60K points 60K after $4K spend in 3 months $95 Annual Fee     Recent better offer: None
American Express® Gold Card     ➥More   ⓘ $712 1st Yr Value Estimate 60K Points 60K after $4K spend in first 6 months. Terms apply. (Rates & Fees) $250 Annual Fee     Recent better offer: This is the best we've seen
Air France KLM World Elite Mastercard     ➥More   ⓘ $690 1st Yr Value Estimate 50K miles + 60XP points + $150 statement credit 50K miles + $150 statement credit after $2K in the first 3 months + 60XP points upon approval $89 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase British Airways Visa Signature® Card     ➥More   ⓘ $613 1st Yr Value Estimate Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Chase Aer Lingus Visa Signature® Card     ➥More   ⓘ $613 1st Yr Value Estimate Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Chase Iberia Visa Signature® Card     ➥More   ⓘ $613 1st Yr Value Estimate Up to 100K bonus Avios Get 50K Avios after $3K spend in first 3 months + 50K more Avios after $20K spend in first year $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
U.S. Bank Altitude Reserve Visa Infinite Card     ➥More   ⓘ $608 1st Yr Value Estimate 50K points 50K after $4.5K spend in 90 days $400 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase IHG® Rewards Club Traveler Credit Card     ➥More   ⓘ $603 1st Yr Value Estimate 100K Points 100K after $2K spend in 3 months No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
American Express® Green Card     ➥More   ⓘ $596 1st Yr Value Estimate 50K Points 50K points after $2K spend in 3 months. Terms apply. See $150 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: Via certain browsers you may see an offer for 30K points plus up to $200 back for US grocery spend. Recent better offer: This is the best we've seen
Chase World of Hyatt Credit Card     ➥More   ⓘ $565 1st Yr Value Estimate You choose: Up to 50K points OR One Cat 1-7 free night certificate + $200 statement credit New cardmembers can choose between two bonus offers (each offer also comes with 10 elite night credits in 2020 and 10 elite night credits in 2021): OFFER 1: 50K points: 25,000 points after $3K spend in 3 months + 25,000 points after $6K total spend in 6 months. OFFER 2: $200 statement credit after first purchase + one Cat 1-7 free night certificate after $3K in purchases in the first 3 months $95 Annual Fee     This card is subject to Chase's 5/24 rule. Recent better offer: 60K: 40K after $3K in 3 months + 20K after $6K total in 6 months (Expired 1/9/19)
Wells Fargo Visa Signature Card     ➥More   ⓘ $563 1st Yr Value Estimate Up to 50K bonus points 5X rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months. (that's 1x normal earnings plus 4x bonus) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wells Fargo Rewards Visa® card     ➥More   ⓘ $563 1st Yr Value Estimate Up to 50K bonus points 5x rewards points on up to $12,500 in gas, grocery, and drugstore purchases for 6 months (that's 1x normal earnings plus 4x bonus) No Annual Fee     You may be able to get a 10K sign-up bonus if you are targeted or by applying in-branch. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AAdvantage Aviator Red World Elite MasterCard     ➥More   ⓘ $551 1st Yr Value Estimate 50K miles 50k miles after 1st purchase within 90 days and payment of the $99 AF $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: There is an in-flight offer for 60K after first purchase with the 1st year fee waived. See this link; code 999999 may work for the promo code. Recent better offer: None. This is the best we've seen.
Lufthansa Miles & More® Premier World MasterCard® issued by Barclays     ➥More   ⓘ $546 1st Yr Value Estimate Up to 75K miles Up to 75K miles: 50K after $3K spend in 90 days + 25K miles after $20K spend in first year $89 Annual Fee     Info 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 we've seen.
Amtrak Guest Rewards Platinum Mastercard     ➥More   ⓘ $508 1st Yr Value Estimate 20K points + $100 statement credit 20K points + $100 statement credit after $1K spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Platinum Card® from American Express for Schwab     ➥More   ⓘ $488 1st Yr Value Estimate 60K points 60K after $5K spend in 3 months. Terms apply. $550 Annual Fee     This card is only available to clients that maintain an eligible Schwab brokerage account. Info 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
The Platinum Card® from American Express Exclusively for Morgan Stanley     ➥More   ⓘ $488 1st Yr Value Estimate 60K points 60K after $5K spend in 3 months. Terms apply. $550 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Alaska Airlines Visa Signature     ➥More   ⓘ $486 1st Yr Value Estimate 40K + Companion Fare 40K + Companion Fare after $2K spend in 3 months No Annual Fee First Year, Then $75     Info 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: 65K after $8K spend expired 10/1/20
Chase Southwest Airlines Rapid Rewards® Plus Card     ➥More   ⓘ $475 1st Yr Value Estimate 40K Points 40K Points after $1K spend in the first 3 months $69 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]
Sonesta World Mastercard     ➥More   ⓘ $465 1st Yr Value Estimate 65K points 60K points after $1K spend in 90 days plus 5K points for adding an authorized user No Annual Fee First Year, Then $75     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Southwest Airlines Rapid Rewards Priority Credit Card     ➥More   ⓘ $463 1st Yr Value Estimate 40K Points 40K Points after $1K spend in the first 3 months $149 Annual Fee     Be sure to choose the card you want after clicking through the link. This card is known to be subject to Chase's 5/24 rule. Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]
Marriott Bonvoy Brilliant™ American Express® Card     ➥More   ⓘ $462 1st Yr Value Estimate 125K points + Platinum Status 125K points + Platinum Status: 100K points after $5K spend in the first 3 months + Platinum status for 2021 membership year (2/1/21 to 1-31-22) + 25K points after first anniversary. Terms apply. (Offer Expires 1/13/2021) $450 Annual Fee
Hilton Honors American Express Surpass Card     ➥More   ⓘ $457 1st Yr Value Estimate 130K Points 130K after $2K in the first 3 months. Terms apply.(Rates & Fees) $95 Annual Fee     Via some browsers you may find a targeted 140K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler)
Chase Sapphire Reserve Card     ➥More   ⓘ $455 1st Yr Value Estimate 50K Points 50K after $4K spend in 3 months $550 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Bank of America Premium Rewards     ➥More   ⓘ $450 1st Yr Value Estimate 50K points 50K after $3K spend in 90 days $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Spirit Airlines World Mastercard®     ➥More   ⓘ $447 1st Yr Value Estimate 30K miles + $100 statement credit 30K + $100: 15K after first purchase + 15K + $100 statement credit after $500 in purchases in first 3 months No Annual Fee First Year, Then $59     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Chase Southwest Airlines Rapid Rewards Premier Credit Card     ➥More   ⓘ $445 1st Yr Value Estimate 40K Points 40K Points after $1K spend in the first 3 months $99 Annual Fee     Be sure to choose the card you want after clicking through the link. This card is known to be subject to Chase's 5/24 rule. Recent better offer: Up to 75K points: 40K points after $1K spend in the first 3 months plus 35K after $5K spend in 6 months [Expired 2/10/20]
Delta SkyMiles® Gold Credit Card from American Express     ➥More   ⓘ $438 1st Yr Value Estimate 35K miles 35K miles after $1K spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee First Year, Then $99
Amtrak Guest Rewards World Mastercard     ➥More   ⓘ $429 1st Yr Value Estimate 20K points 20K after $1K spend in 3 months $79 Annual Fee     Info 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 + $100 statement credit after $2.5K spend in 3 months
Citi ThankYou Prestige Card     ➥More   ⓘ $393 1st Yr Value Estimate 50K points 50K ThankYou Rewards points after $4K spend in 3 months $495 Annual Fee     Info 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 after $7.5K spend in 3 months
Chase United Explorer Card     ➥More   ⓘ $391 1st Yr Value Estimate 40K Miles 40K miles after $2K spend in first 3 months $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 9/29/20: 60K miles after $3K spend
Choice Privileges® Visa Signature® Card issued by Barclays     ➥More   ⓘ $391 1st Yr Value Estimate 50K points 50K after $1K spend in 90 days No Annual Fee     Info 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: 64K points: 32K after $1K spend in 90 days + 32K after an additional $2K spend within the first 180 days
Avianca Vuela Visa Card     ➥More   ⓘ $371 1st Yr Value Estimate 40K LifeMiles 40K after first purchase $149 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Radisson Rewards Premier Visa Signature Card     ➥More   ⓘ $367 1st Yr Value Estimate 125K points 125K after $3K spend in the first 90 days $75 Annual Fee     Info 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-ever offer.
Marriott Bonvoy Boundless™ Credit Card     ➥More   ⓘ $367 1st Yr Value Estimate 75K points 75K after $3K in the first 3 months $95 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card? Recent better offer: Earn 5 50K free night certificates after $5K spend in 3 months [Expired 10/28/20]
Citi® Expedia®+ Voyager Card     ➥More   ⓘ $356 1st Yr Value Estimate 25K points 25K after $2K spend in 3 months $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Hilton Honors American Express Card     ➥More   ⓘ $344 1st Yr Value Estimate 80K Points 80K after $1K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee     Via some browsers you may find a targeted 95K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler) Alternate offer: You may see a better offer that includes a $100 statement credit during the booking process at Hilton.com.
HSBC Premier World Mastercard® credit card     ➥More   ⓘ $343 1st Yr Value Estimate 35K points 35K points after $3K in 3 months No Annual Fee First Year, Then $95     Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
The Amex EveryDay® Preferred Credit Card from American Express     ➥More   ⓘ $341 1st Yr Value Estimate 30K Points 30K after $2K spend in 3 months. Terms apply. $95 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank FlexPerks® Gold American Express® card     ➥More   ⓘ $335 1st Yr Value Estimate 30K points 30K after $2K spend in 4 months $85 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Best Western Rewards Premium MasterCard issued by First Bankcard     ➥More   ⓘ $314 1st Yr Value Estimate Up to 70K points Up to 70K: 50K after $1K spend in 3 billing cycles + 20K after $5K total spend in first 12 billing cycles No Annual Fee First Year, Then $59     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Cathay Pacific Visa Signature card     ➥More   ⓘ $303 1st Yr Value Estimate 40K miles 40K after $2K spend in 90 days $95 Annual Fee     Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. Info 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: 50K after $2,500 spend in 90 days
UBS Visa Signature     ➥More   ⓘ $300 1st Yr Value Estimate Up to 50K points (call to apply) 25K after $5K spend in 3 months + 25K after $50K spend in 12 months No Annual Fee     Bonus offer is not available to either current or previous UBS credit cardmembers
HSBC Premier World Elite Mastercard® credit card     ➥More   ⓘ $295 1st Yr Value Estimate 50K points 50K after $4Kspend in 3 months $395 Annual Fee
Frontier Airlines World MasterCard®     ➥More   ⓘ $291 1st Yr Value Estimate 40K miles 40K after $500 spend in 90 days $79 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wells Fargo Propel American Express® Card     ➥More   ⓘ $285 1st Yr Value Estimate 20K bonus points 20K after $1K spend in 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Blue Cash Preferred® Card from American Express     ➥More   ⓘ $280 1st Yr Value Estimate $300 Back Limited-time offer: $300 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees) (Offer Expires 12/10/2020) No Annual Fee First Year, Then $95     Recent better offer: Up to $350: 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. Plus, earn $150 back after $1K spend in 3 months. (Expired 5/3/17)
PNC Premier Traveler® Visa Signature Credit Card     ➥More   ⓘ $270 1st Yr Value Estimate 30K "miles" 30K after $3K spend in 3 months from account opening No Annual Fee First Year, Then $85     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
JetBlue Card     ➥More   ⓘ $249 1st Yr Value Estimate 20K miles 20K after $1K spend in 90 days No Annual Fee     Info 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: 9/2017: 15K after $1K spend
Korean Air SKYPASS Visa issued by US Bank     ➥More   ⓘ $244 1st Yr Value Estimate 30K miles 30K miles after $3K spend in 90 days $95 Annual Fee     Info 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 after $2.5K spend targeted (last reported 2/26/2016) 30K: 15K after first purchase + 15K after $2k spend in 90 days 25K: 15K after first purchase, 10K after $2K spend in first 3 months (expired 1/18)
United Gateway Card     ➥More   ⓘ $243 1st Yr Value Estimate 20K Miles + 3X Grocery 20K miles after $1K spend in first 3 months; Plus earn 3X at grocery stores, on up to $1,500 per month through 9/30/2021 No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details).
Asiana Airlines Visa Signature     ➥More   ⓘ $240 1st Yr Value Estimate 30K miles 30K after $3K spend in 90 days $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Capital One Savor     ➥More   ⓘ $240 1st Yr Value Estimate $300 Cash Back Earn a one time bonus: $300 after $3K spend in 3 months from account opening No Annual Fee First Year, Then $95     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Emirates Skywards Rewards World Elite Mastercard     ➥More   ⓘ $240 1st Yr Value Estimate 30K Miles + 1 Year Silver status 30K after $3K spend in 90 days $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Delta SkyMiles® Platinum Credit Card from American Express     ➥More   ⓘ $236 1st Yr Value Estimate 40K miles + 5K MQMs 40K miles + 5K MQMs after $2K spend in the first 3 months. Terms apply. (Rates & Fees) $250 Annual Fee
Bank of America Travel Rewards     ➥More   ⓘ $235 1st Yr Value Estimate 25K points worth $250 25K after $1K spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Hawaiian Airlines® World Elite MasterCard® issued by Barclays     ➥More   ⓘ $231 1st Yr Value Estimate 50K miles 50K after $2K spend in 90 days $99 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: You may be able to get 60K miles after 1st purchase via paper application distributed in-flight. Recent better offer: 50K after $2K spend in 90 days + 25K after $6K total in first 12 months
U.S. BANK ALTITUDE® GO VISA SIGNATURE® CARD     ➥More   ⓘ $230 1st Yr Value Estimate 25K points 25K after $1K spend in 90 days No Annual Fee
Citi AAdvantage® Executive World Elite MasterCard®     ➥More   ⓘ $228 1st Yr Value Estimate 60K miles 60K miles after $6K spend in first 3 months $450 Annual Fee     Info 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 after $7.5K spend in 3 months
Wyndham Rewards Earner Plus Card     ➥More   ⓘ $217 1st Yr Value Estimate 45K Points 45K after $1K spend in 90 days $75 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citi Rewards+ Card     ➥More   ⓘ $202 1st Yr Value Estimate 15K points 15K points after $1K spend in 3 months No Annual Fee
Marriott Bonvoy Bold Credit Card     ➥More   ⓘ $193 1st Yr Value Estimate 30K points 30K after $1K spend in 3 months No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). See Also: Are you eligible for a new Marriott card? Alternate offer: 1 Free Night Awards (worth up to 35K) after $1K spend in 3 months Recent better offer: 50K after $1K spend (expired 9/30/20)
Capital One Quicksilver     ➥More   ⓘ $193 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Capital One Venture One Credit Card     ➥More   ⓘ $193 1st Yr Value Estimate 20K "miles" One time bonus: 20K after $1K spend in 3 months from account opening No Annual Fee
Capital One Savor One     ➥More   ⓘ $190 1st Yr Value Estimate $200 Cash Back One time bonus: $200 after $500 spend in 3 months from account opening No Annual Fee
Citi® Expedia+ Credit Card     ➥More   ⓘ $190 1st Yr Value Estimate 15K points 15K after $1K spend in 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Disney Visa Card     ➥More   ⓘ $190 1st Yr Value Estimate $200 Cash Back $200 after $500 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
TD First Class Visa Signature® Card     ➥More   ⓘ $190 1st Yr Value Estimate 25K points 25K after $3K spend in first 6 billing cycles. No Annual Fee First Year, Then $89     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wyndham Rewards Earner Card     ➥More   ⓘ $187 1st Yr Value Estimate 30K Points + $50 30K after $1K spend in 90 days + $50 after first purchase. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Avianca Vida Visa Card     ➥More   ⓘ $184 1st Yr Value Estimate 20K LifeMiles 20K after first purchase $59 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Blue Cash Everyday® Card from American Express     ➥More   ⓘ $180 1st Yr Value Estimate $200 statement credit $200 back after $1K in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee     Note that some people find they are targeted for an offer of up to $350 back (20% back on Amazon.com for the first 6 months up to $200 back + $150 back after spending $1K within the first six months).
Norwegian Cruise Line® World Mastercard®     ➥More   ⓘ $180 1st Yr Value Estimate 20K points 20K after $1K spend in the first 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AAA Member Rewards Visa Signature Card     ➥More   ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Major League Baseball® BankAmericard Cash Rewards™ MasterCard® credit card     ➥More   ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Bank of America Cash Rewards     ➥More   ⓘ $180 1st Yr Value Estimate $200 Cash Back $200 after $1000 spend in 90 days No Annual Fee     Info 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: $200 back after $500 spend in 90 days [Expired 1/19]
American Airlines AAdvantage MileUp Card     ➥More   ⓘ $172 1st Yr Value Estimate 10K miles + $50 Earn 10K AA miles + $50 statement credit after $500 spend in 3 months No Annual Fee
BBVA Compass Select     ➥More   ⓘ $160 1st Yr Value Estimate 20K points 20K after $2K spend in 90 days No Annual Fee First Year, Then $125     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
ABOC Platinum Rewards     ➥More   ⓘ $150 1st Yr Value Estimate $150 Statement Credit $150 statement credit after $1200 in purchases within 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
The Amex EveryDay® Credit Card from American Express     ➥More   ⓘ $141 1st Yr Value Estimate 10K points 10K after $1K spend in 3 months. Terms apply. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: Some find they are targeted for an offer of 20K after $2K spend in the first 3 months.
The Morgan Stanley Credit Card from American Express     ➥More   ⓘ $141 1st Yr Value Estimate 10K points 10K after $1K spend in 3 months. Terms apply. No Annual Fee     Info 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
Affinity Cash Rewards Visa® Signature Credit Card     ➥More   ⓘ $140 1st Yr Value Estimate $200 cash back $200 cash back after $3K spend in first 90 days No Annual Fee     Join Affinity by donating at least $5 to the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
U.S. Bank Cash+     ➥More   ⓘ $140 1st Yr Value Estimate $150 $150 after $500 spend in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
TD Cash Visa Credit Card     ➥More   ⓘ $140 1st Yr Value Estimate $150 Cash Back $150 after $500 spend in 90 days. No Annual Fee     Info 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
American Express Cash Magnet® Card     ➥More   ⓘ $135 1st Yr Value Estimate $150 Cash Back $150 back after $1K in purchases in first 3 months. Terms apply. (Rates & Fees) No Annual Fee     Note that some people find they are targeted for $200 back after $1K in purchases in the first 3 months.
AT&T Access Card     ➥More   ⓘ $130 1st Yr Value Estimate 10K points 10K ThankYou Points after $1K Spend in 3 Months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
LATAM Visa Signature issued by US Bank     ➥More   ⓘ $124 1st Yr Value Estimate 20K miles 20K miles after first use. No Annual Fee First Year, Then $75     US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Delta SkyMiles® Blue Credit Card from American Express     ➥More   ⓘ $122 1st Yr Value Estimate 10K miles 10K miles after $500 spend in the first 3 months. Terms apply. (Rates & Fees) No Annual Fee     Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days Recent better offer: None
Discover it® for Students     ➥More   ⓘ $120 1st Yr Value Estimate $50 + First Year Double + $20/year Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Hotels.com Rewards Visa Credit Card     ➥More   ⓘ $117 1st Yr Value Estimate $125 Reward Night Get a reward night worth $125 when you spend $1,000 on purchases in the first 3 months. Excludes taxes and fees. If your reward night costs less than $125, you won't get the difference. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wyndham Rewards Visa issued by Barclays     ➥More   ⓘ $112 1st Yr Value Estimate 30K points 30K: 15K after first purchase plus 15K after $1,000 spend in 90 days (note that you'll need to choose the annual fee card after clicking through) $75 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Wyndham Rewards Visa issued by Barclays (no annual fee)     ➥More   ⓘ $105 1st Yr Value Estimate 15K points 15K after first purchase No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Celebrity Cruises® Visa Signature® Credit Card     ➥More   ⓘ $100 1st Yr Value Estimate 10K points 10K points after first purchase in 90 days No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Discover it Miles - Double Miles your first year     ➥More   ⓘ $100 1st Yr Value Estimate $100 + First Year Double Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
AARP Credit Card from Chase     ➥More   ⓘ $90 1st Yr Value Estimate $100 Cash Back $100 after $500 spend in 3 months No Annual Fee     This card is believed to not be subject to Chase's 5/24 rule Info 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: $200 after $500 spend in 3 months
Schwab Investor Card® from American Express     ➥More   ⓘ $85 1st Yr Value Estimate $100 Cash Back $100 statement credit after $1K in purchases in first 3 months No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Allegiant World Mastercard® Credit Card     ➥More   ⓘ $81 1st Yr Value Estimate 15K miles 15K after $1K in first 90 days $59 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
BBVA ClearPoints Credit Card     ➥More   ⓘ $70 1st Yr Value Estimate $100 statement credit $100 statement credit after $1.5K in first 90 days. Note: This card is not available online without an invitation code. You may need to first open a checking account and then apply by phone or apply in-branch. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Royal Caribbean® Visa Signature® Credit Card     ➥More   ⓘ $70 1st Yr Value Estimate 10K points + $50 Air2Sea program discount 10K points + $50 airfare discount: 10K after first purchase in the first 90 days + $50 Air2Sea program discount after $3.5K total in first 90 days (excludes students) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Korean Air SKYPASS Select Visa issued by US Bank     ➥More   ⓘ $69 1st Yr Value Estimate 30K miles 30K miles after $3K spend in 90 days $450 Annual Fee     Info 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: 30K after $3K in 90 days
Discover it®     ➥More   ⓘ $50 1st Yr Value Estimate $50 + First Year Double Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
CNB Crystal Visa Infinite Credit Card     ➥More   ⓘ $50 1st Yr Value Estimate None No bonus at this time. $400 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Marvel MasterCard from Synchrony     ➥More   ⓘ $25 1st Yr Value Estimate $25 Cash Back $25 after first purchase No Annual Fee     Info 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
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank     ➥More   ⓘ $10 1st Yr Value Estimate $10 Cash Back $10 after first purchase No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Fidelity Rewards Visa     ➥More   ⓘ $0 1st Yr Value Estimate None There is currently no welcome bonus offered. No Annual Fee     Info 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: $100 back after $1K in first 3 months
Citizens Bank Cash Back Plus® World Mastercard®     ➥More   ⓘ $0 1st Yr Value Estimate 5% back everywhere until 3/31/20 5% back everywhere through 3/31/19: Card ordinarily earns 1.8% back everywhere. There is currently an in-branch offer to earn an additional bonus of 3.2% back everywhere through 3/31/20 (to be paid out in May 2020) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Huntington Voice     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Costco Anywhere Visa     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco
United Club℠ Infinite Card     ➥More   ⓘ $0 1st Yr Value Estimate $0 intro annual fee No Annual Fee First Year, Then $525     This 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. Recent better offer: Expired 9/29/20: 100K miles after $5K spend
Citi Double Cash Card     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Recent better offer: None
Alliant Cashback Visa Signature Card     ➥More   ⓘ $0 1st Yr Value Estimate None This card no longer features a first-year bonus. No Annual Fee First Year, Then $99     Join Alliant by donating at least $10 to Foster Care to Success Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Emirates Skywards Premium World Elite Mastercard     ➥More   ⓘ $-30 1st Yr Value Estimate 40K Miles + 1 Year Gold status 40K after $3K spend in 90 days $499 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Delta SkyMiles® Reserve Credit Card from American Express     ➥More   ⓘ $-81 1st Yr Value Estimate 40K miles + 10K MQMs 40K miles + 10K MQMs after $3K spend in the first 3 months. Terms apply. (Rates & Fees) $550 Annual Fee     Via some browsers you may find a targeted 70K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler) Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

3. Buy miles cheaply

Several credit cards offer up to 1.5 miles per dollar for spend. In these cases, a 1.87% tax payment fee means that you can essentially buy miles for 1.22 cents per dollar. Even better, some cards earn 2 miles per dollar.  The Amex Blue Business Plus credit card earns 2 Membership Rewards points per dollar on up to $50K spend per year. And the Citi Double Cash card earns 2 cents per dollar uncapped. Those cash rewards can be converted to Citi ThankYou points and then to airline miles. With these 2X everywhere cards you can essentially buy miles for 0.92 cents per dollar.

2X Example:

• $10,000 tax payment + 1.87% fee = $10,187
• Miles earned at 2X = 20,374
• Cost per mile = $187 / 20,374 = 0.92 cents per mile

1.5X Example:

• $10,000 tax payment + 1.87% fee = $10,187
• Miles earned at 1.5X = 15,281
• Cost per mile = $187 / 15,281 = 1.22 cents per mile

Cards that offer 2X airline miles per dollar:

• 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 large selection of airline programs.
  

  Citi Double Cash Card     ➥More   ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee     Recent better offer: None     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. Card Type: Mastercard World Elite Base 2X (2.9%) Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase) Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases

• 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.
  

  The Blue Business℠ Plus Credit Card     ➥More   ⓘ $158 1st Yr Value Estimate 10K points 10K after $3K spend in 3 months. Terms apply. (Rates & Fees) No Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Alternate offer: Up to $300 in statement credits: up to $100 in statement credits at each of the following stores for purchases in the first 3 months: Dell, DocuSign, and FedEx. Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)     FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner. Card Type: Amex Credit Card Base 2X (3.1%) Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

Cards that offer 1.5X 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:
  

  Chase Freedom Unlimited     ➥More   ⓘ $840 1st Yr Value Estimate 20K points + 5X grocery + 15 months 0% APR Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5x Ultimate Rewards points (worth 5% cash back) on grocery purchases for 1st year (on up to $12K in purchases, excludes Target & Walmart). 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Recent better offer: None. This is the best offer we've seen.     FM Mini Review: Great for 3x categories and 1.5X everywhere else. Excellent companion card to Sapphire Reserve, Sapphire Preferred, or Ink Business Preferred. Card Type: Visa Signature or Platinum Base 1.5X (2.25%) Travel 5X (7.5%) Dine 3X (4.5%) Other 5X (7.5%) Earning rate: 5x travel booked through Chase ⚬ 5X Lyft ⚬ 3x dining ⚬ 3x drugstores ⚬ 1.5X everywhere else Noteworthy perks: Free DashPass for up to 3 months upon activation See also: Chase Ultimate Rewards Complete Guide

  Chase Ink Business Unlimited     ➥More   ⓘ $728 1st Yr Value Estimate 50K points 50K after $3K spend in 3 months No Annual Fee     See: How to sign up for Chase Ink cards     FM Mini Review: Great signup bonus for a fee-free card. Good option for earning 1.5X everywhere. Good companion card to Ink Business Preferred, Sapphire Reserve or Sapphire Preferred. Card Type: Visa Signature Business Base 1.5X (2.25%) Other 5X (7.5%) Earning rate: 1.5X on all purchases ⚬ 5X Lyft See also: Chase Ultimate Rewards Complete Guide

• Amex Membership Rewards. Amex offers two cards that are capable of earning up to 1.5X. In either case, points can be transferred to a large selection of airline programs or to a few hotel programs.
  

  The Business Platinum Card® from American Express     ➥More   ⓘ $530 1st Yr Value Estimate 75K points 75K points after $15K spend in the first 3 months Terms apply. (Rates & Fees) $595 Annual Fee     Via some browsers you may find a targeted 95K offer with a refer-a-friend link. You can find our refer-a-friend link here (Note: this refer-a-friend link is not an affiliate link. Information about this link was collected independently by Frequent Miler) Recent better offer: 150K after $20K Spend (Targeted)     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. Card Type: Amex Charge Card Base 1X (1.55%) Travel 5X (7.75%) Other 1.5X (2.33%) Earning rate: 5X flights and prepaid hotels at AmexTravel.com ⚬ 1.5X points per dollar on eligible purchases of $5000 or more (up to 1 million additional Membership Rewards points per year) ⚬ 1X elsewhere Noteworthy perks: ⚬ Up to $200 a year in statement credits for airline incidental fees ⚬ Up to $200 a year in statement credits for Dell purchases ($100 Jan-June; $100 July-Dec) ⚬ $100 Global Entry fee reimbursement.⚬ Airport lounge benefits ⚬ Rental car elite status ⚬ Marriott Gold status ⚬ Hilton Gold status ⚬ Terms Apply. (Rates & Fees) See also: Amex Platinum Guide

  The Amex EveryDay® Preferred Credit Card from American Express     ➥More   ⓘ $341 1st Yr Value Estimate 30K Points 30K after $2K spend in 3 months. Terms apply. $95 Annual Fee     Info 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: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available. Card Type: Amex Credit Card Base 1X (1.55%) Gas 2X (3.1%) Grocery 3X (4.65%) Earning rate: ⚬ 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x) ⚬ 2x points at US gas stations ⚬ 1x points on other purchases. Noteworthy perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

• Capital One Miles. Capital One offers two cards that earn 2X rewards miles everywhere. These “miles” can be transferred to real airline miles, usually at a rate of 2 to 1.5. This means that the following cards are capable of earning 1.5X airline miles everywhere:
  

  Capital One Venture Rewards Credit Card     ➥More   ⓘ $775 1st Yr Value Estimate 100K "Miles" Earn 100K bonus miles when you spend $20K on purchases in the first 12 months from account opening, or still earn 50K miles if you spend $3K on purchases in the first 3 months $95 Annual Fee     Recent better offer: None. This is the best we've seen in recent years.     FM 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 at a 2 to 1.5 ratio. Card Type: Visa Signature Base 2X (2.1%) Other 5X (5.25%) Earning rate: 2X everywhere. Through 1/31/21: 5X Uber Eats. Noteworthy perks: Receive up to $100 application fee credit for Global Entry or TSA Pre✓® ⚬ Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees

  Capital One Spark Miles Business Credit Card     ➥More   ⓘ $485 1st Yr Value Estimate 50K "miles" One time bonus: 50,000 Capital One miles after $4.5K spend in 3 months No Annual Fee First Year, Then $95     Note: Capital One Business cards DO count against Chase's 5/24 Rule Info 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: Earn up to 200K "miles": 50K after $5K spend in the first 3 months from account opening and an additional 150K after $50K spend in the first 6 months from account opening [Expired 1/27/20]     FM Mini Review: This card is basically the same as the Spark Cash for Business, but rewards are intended to be used to offset travel purchases. One big advantage over cash back: Capital One allows transfering their "miles" to airline miles at a 2 to 1.5 ratio and "miles" can be combined with other cards or other customers. Card Type: Mastercard Base 2X (2.1%) Travel 5X (5.25%) Earning rate: 2X everywhere ⚬ Earn 5X miles on hotel and rental car bookings through Capital One Travel Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ⚬ Convert "miles" to airline miles at a (mostly) 2 to 1.5 ratio ⚬ No foreign transaction fees ⚬ Fee credit for either $85 TSA Pre✓® application fee or $100 Global Entry application fee

• Airline miles. A few airline branded cards offer 1.5 miles per dollar for all spend:
  

  Virgin Atlantic World Elite Mastercard     ➥More   ⓘ $734 1st Yr Value Estimate Up to 65K miles 60K after $2K spend plus 5K after adding 2 authorized users $90 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.     Card Type: Mastercard World Elite Base 1.5X (1.95%) Brand 3X (3.9%) Earning rate: 3X Virgin Atlantic ⚬ 1.5X everywhere else 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). See also: Virgin Atlantic World Elite Mastercard Deep Dive: Maximize Earnings and Status

  Air France KLM World Elite Mastercard     ➥More   ⓘ $690 1st Yr Value Estimate 50K miles + 60XP points + $150 statement credit 50K miles + $150 statement credit after $2K in the first 3 months + 60XP points upon approval $89 Annual Fee     Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.     Card Type: Mastercard World Elite Base 1.5X (1.95%) Brand 3X (3.9%) Earning rate: 3X on Air France, KLM, and SkyTeam purchases ⚬ 1.5X everywhere else 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 year Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.

  Chase United MileagePlus® Club Card     ➥More   ⓘ $-450 1st Yr Value Estimate This card is no longer available for new applications. Click here to read about this card's replacement, the United Club Infinite Card $450 Annual Fee     This card is subject to Chase's 5/24 rule (click here for details). Info 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: While pricey, the Chase United MileagePlus® Club Card is a great choice for those who want a United club membership and waived close-in award fees. Card Type: Visa Signature Base 1.5X (1.95%) Brand 2X (2.6%) Earning rate: ⚬ 2X United ⚬ 1.5X everywhere else Noteworthy perks: ⚬ United Club membership ⚬ No fees on close-in awards ⚬ Priority check-in, security screening, baggage handling, and boarding ⚬ Free 1st and 2nd checked bags ⚬ Hertz President's Circle Elite Status ⚬ Primary auto rental collision damage waiver

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:

• Amex Delta Reserve or Delta Reserve Business: Spend $30,000, get 15,000 Medallion Qualifying Miles (towards elite status). At $60,000, $90,000, and $120,000 you’ll get another 15,000 Medallion Qualifying Miles.
• Amex Delta Platinum or Delta Platinum Business: Spend $25,000, get 10,000 Medallion Qualifying Miles (towards elite status). At $50,000 spend, get another 10,000 Medallion Qualifying Miles.
• Southwest Plus, Southwest Premier, or Southwest Business: With Southwest, when you earn 125,000 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 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: $2.00, $2.55, or $2.58 (depending upon the tax processor you use). In other words, your cost to liquidate $500 gift cards will be approximately half a percent (0.5% to 0.54%). That’s pretty cheap.

If you use $500 Visa/MasterCard gift cards, then you can pay the following amounts:

• PayUSAtax.com ($2.55 fee): Make a $497.45 payment.
  • NOTE: Vanilla Visa gift cards are not recognized as debit cards at PayUSAtax.com.
  • NOTE: The ability to pay with Mastercard gift cards through PayUSAtax seems to come and go.  As of July 23, 2020 Vanilla brand gift cards were working.
• Pay1040.com ($2.58 fee): Make a $497.42 payment.
  • NOTE: Mastercard gift cards are not currently being recognized as debit cards and so they are charged the credit card fee.  Most recent report of this problem: 8/6/20.
• OfficialPayments.com ($2 fee): Make a $498 payment.
  • NOTE: The ability to pay with gift cards at OfficialPayments seems to come and go over time. As of March 1 2020, it did not seem to be working for Visa gift cards, but it was working for Mastercard gift cards.  Then, as of June 27, 2020 Visa gift cards were working again!

The biggest problem with this is the IRS imposed 2 payments per processor limit. This means that you can liquidate no more than 6 gift cards per type of tax payment.  In the past, Official Payments allowed more payments via phone.  Recent reports, though, indicate that this is no longer the case.

See also: Best options for buying Visa and MasterCard gift cards.

Email:* Please enter all required fields Correct invalid entries