I am looking for a way to pay my largest monthly expenses with my credit card, daycare and my mortgage. I am planning out how to hit minimum spend for 2 cards I'm planning to open next month. Daycare accepts credit cards but they now charge an 8% fee. My mortgage does not take credit cards. I used a workaround with serve some years ago but haven't tried anything since. Please share your ideas for things I can do without paying large fees. Thanks!
You can try a service like Plastiq, https://www.plastiq.com/
They charge a 2.5% fee (with specials sometimes reducing this) which makes it less worthwhile for earning, but OK for minimum spend. Depends on the cards though, I think Amex and Visa cannot be used for mortgage.
Hmm I would love to do this on an ongoing basis though when I am not trying to meet min spend. I have the NFCU cash rewards card but I don’t have any checks. Did you have to request them?
Yep just request them. NFCU asks if you want 3, 6, or 9. I always got 9. Then after my 2nd batch, I didn’t even ask anymore. They knew when I was on my last one and sent 9 automatically.
And the nice thing is checks have your name and address imprinted on them. And you can go to bank to get checks same day.
Please note that if you're trying to hit a miminum spend or accrue points, checks most of the time pull from the cash advance side. Verify with your issuer more than once with different reps! You don't want to get hit with fees, a late pay because you forgot, etc. If you can't get a benefit rewards wise, just pay those bills normally.
Also, plastiq is a good service. Just check to make sure it will allow what you want based on your needs, bills, etc. YMMV