Limited Time: Earn Double Plastiq Referral Credits

In the interest of full disclosure, One Mile At A Time earns a referral bonus for purchases made through some of the below links. These are products and services we use ourselves, and are the best offers we know of. Check out our Advertising Policy for further details. Thanks for your support!

I’ve been using Plastiq for quite a while to occasionally pay bills with a credit card that I otherwise could not. I’ve used them to pay our mortgage, insurance, electric bill, and property taxes, all bills that I used to grumble about not being able to earn miles and points for.

There are fees involved, of course, so I don’t always use Plastiq, but there are plenty of times where it can really make sense. Like if you need to meet the minimum spend requirement on a newly acquired credit card, for example. At any rate, you need to make a conscious decision and crunch your own numbers to see if it’s a good deal.

Plastiq also has a nice referral program. And for a limited time, it’s even better. But first, let’s review how it works.

Plastiq’s Referral Program

You normally earn 400 fee-free dollars for each person you refer to Plastiq. After they setup an account and make a payment, you get 400 fee-free dollars deposited into your account.

This basically means that you can make a $400 bill payment without incurring the service fee. Given that the fee is normally about 2.5%, that essentially means  you are getting a $10 credit for each person you refer. Not bad.

The person being referred normally gets $200 fee-free dollars.

Double Plastiq Referral Credits

From now until April 18, Plastiq is offering double referral credits. That means you’ll earn 800 fee-free dollars for anyone you refer between now and then, effectively doubling the credit to $20.

Double Credit promo

The key is that they need to use your referral code and make a payment of at least $20 by 11:59 PM EDT on April 18, 2017. I’m just guessing here, but to me it seems like this date might be nicely timed for tax season. Which of course would also be a candidate bill to pay with Plastiq.

The person being referred also gets the double bonus, so they get 400 fee-free dollars.

I would be happy to refer you and you can signup using my referral link hereOr I’ve also invited OMAAT readers to share their code in the comments, so feel to use one of those.

How To Use Your Fee Free Credits

Plastiq says it can take up to a business day for the fee-free credits to show up in your account. But anecdotally, I think it can be almost instantaneous. I mean, I don’t really know that because they don’t tell you the name of the person who earned you your fee-free credits, probably for privacy reasons. But one of the personal friends I referred was IM’ing me as he was setting up his account. Literally about a minute after he said he made his first payment, I got an email from Plastiq saying I had just earned $400 fee-free credits. Coincidence? Who knows.

Anyway, the credits show up in your account and are ready for use on your next bill payment pretty quickly. I seem to remember that Plastiq would automatically apply them to your next payment. But now you have to actually specify that you want to use them. Here’s how it looks before you apply the fee-free dollars.


And here’s how it looks after you click the button.


I don’t necessarily like having to remember to click this link, but I get the reasoning behind it. And I actually think they added this as a feature to benefit us, not them necessarily.

Since Plastiq occasionally runs promotions that reduce the service fee for paying your rent / mortgage, or for paying with a Mastercard, or whatever, you might actually choose to pay the reduced service fee and save your credits for later when there is no promotion running.

So the logic makes sense, and more features are better than fewer, but you still need to remember to click the button!

Bottom line

I’m a pretty big fan of Plastiq. I’ve used them to make a bunch of payments over the past year or so, and have had generally good experiences. In the times where I’ve had a question or a minor issue, their customer service team quickly worked with me to straighten it out. I also like their referral program and am excited to see this promotion where we can get double referral credits.

So remember to refer your friends! And feel free to leave your Plastiq referral code in the comments.


  1. Referral Code: 597060

    Hi if anyone would like to use my referral code it is above! I usually use Plastiq to pay my rent (undergrad student) and would love to reduce that fee! Thanks so much!

  2. Thanks in advance for anyone who considers signing up using my link:

    You’ll earn 400 fee-free dollars after successfully making the first payment of at least $20 between March 14, 2017 and April 18, 2017, 11:59 p.m. EDT.

    Please note that both of us will get double fee-free dollars. Normally the person being referred gets only 200 fee-free dollars, so getting 400 ffd is a limited-time double-amount offer. It seems that Travis made a mistake in his post by claiming that “the double bonus (does not apply to) the person being referred”.

  3. I got the CSR a couple of weeks ago. I plan on paying my rent with it.

    I have seen conflicting info on if Plastiq is coded as “purchase” or a “cash advance.” From what I understand, I need to get it coded as a purchase or it doesn’t count towards the sign-up bonus. I have seen online that specifically Chase cards will code as cash advances at other payment websites similar to Plastiq.

    I really want to get it right the first time. Has anyone had experience with this before? If so, how long ago was it; and did you have to “jump through any hoops” to make it happen?

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

    Your unique referral code: 613365

  5. Thanks in advance for anyone who considers signing up using my link:

    You’ll earn 400 fee-free dollars after successfully making the first payment of at least $20 between March 14, 2017 and April 18, 2017, 11:59 p.m. EDT.

  6. @BAJ If you are using a Visa credit card and paying a new payee that has never been added into Plastiq’s database, it is highly possible that your purchase will be coded as a cash advance. Plastiq will display a warning in this situation before you submit the payment for processing.

    You may avoid being charged as a cash advance by only choosing the recipients with whom Plastiq has already set up a relationship, or simply using a Mastercard or AmEx instead of a Visa credit card.

    BTW, my referral code is 562960. I’d appreciate anyone who signs up for Plastiq with my code.

  7. I got my 800 FFD ($20 equivalent) and my friend got 400 FFD ($10) today.
    I referred my friend on 3/14, he made 1st payment on 3/15, we both got our FFDs today.

    Note: Plastiq did not bother to change the old 400 + 200 FFD wording, but we got the enhanced offer posted!

    Please consider using my referral link:

  8. @ame @BAJ You’re both right. I was planning on paying my mortgage on the CSR to meet the spend requirements, but my mortgage service provider “does not have a relationship” with Plastiq. This is kind of a pertinent point, as it doesn’t make a whole lot of sense to refinance your home or move to a new apartment just to meet the spend on a credit card sign up bonus. Highly disappointing that this never came up in the reviews.

  9. Great post and a great promotion. $400 when you use my code 613286 instead of the normal $200. You can follow these steps to sign up for this promo:

    1) Click the blue “Sign Up” button on the home page.
    2) Enter the email address you would like your account associated with and click “Continue”.
    3) Check your email for confirmation and follow the link to set your password.
    4) Once you enter your password, click on “Add Referral Code” below the blue button.

    Thank you for using my code 613286.

  10. Here is my referral code for the $400 FFD : 518063

    or use link:

    You can earn 400 fee-free dollars by using my link to sign up.

    NOTE The first payment of at least $20 should be made before April 18, 2017, 11:59 p.m. EDT. to avail the $400 FFD benefit.

    Thanks for using my link.

  11. Please use my referral code…

    Pay any bill by card with @payplastiq. Use my referral code to get 400 fee-free dollars after your first $20 payment. Use code 663179 or link : Try Plastiq!

    Note: the first payment of at least $20 should be made before April 18, 2017 for the $400 FFD benefit.

    Thank you!

  12. Plastiq is complete sh*t ! I signed up on the recommendation of this site and sure enough they can’t process my payment. After wasting my time with support they confirmed it isn’t an issue with my card (VISA) and suggested I use another payment method other than VISA. Like most of you I’m using the service to meet a minimum spend on a credit card for points/miles, but Plastiq is unreliable and they have no ETA on when the issue with VISA will be fixed. So you if you are planning on using them, just don’t!

  13. Thanks for the great article!
    I have posted my referral code below, please use it if you are so inclined!

    Code: 665222

  14. Wow! It works! My friend that I referred got $500 FFD after he made payment as of May 7, 2017. I am using it to meet my min spend for SPG. I did the referral and I got the credit the same day! (It can take up to 1 day). Appreciate it if you use my link below:

    Referral code 648787

  15. Working link:

    Receive $500 FFD when you sign up to a new Plastiq account and pay $500 worth of bills through Plastiq (doesn’t have to be a one-time payment). To get the credit, you must sign up using the referral code 670832.

    Remember that this deal is only for a limited time!

  16. Huge bonus from Plastiq lately to use for your minimum spend requirements by using it to pay for your mortgage. You can get $500 FFD (as July 10, 2017). I have been using it as last resort to meet the min spend for my AMEX SPG. Remember, only AMEX and Mastercard works for mortgages, not Visa if you plan on using with Plastiq!


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

    Please sign up with my unique referral code – 683412

    Pay $500 worth of bills/mortage/rent/insurance through Plastiq (doesn’t have to be a one-time payment)
    Referral link:

    Thanks in advance!

Leave a Reply

Your email address will not be published. Required fields are marked *