Manufactured Spending

Category Archives for Manufactured Spending.

Some Plastiq Mortgage Payments With Visa Cards Working Again!

Update: Some readers let me know not all mortgage payments are working, but many are!

Here’s an example from my account:

A mortgage payment you can still pay with Plastiq

As long as the “Submit Payment” button isn’t grayed out, you should be good to go! Let me know if it works for you!


More data points slash adventures with Plastiq.

So I just got a new Bank of America Alaska Airlines card – I get a new one every 45 days for a quick injection of 30,000 Alaska miles. Those are, of course, Visa cards, which Plastiq said would no longer work.

Well today, I paid the rent for one of my Airbnbs with this card on Plastiq.

plastiq visa payments

This Plastiq payment is clearly marked as rent

And it went through without a hitch:

Boom

Considering the minimum spending on this card is only $1,000, I was able to knock most of it out with a single rent payment. Then I sent $50 to my utility company to trigger the sign-up bonus. Minimum spending done in under a minute. AWESOME!

This isn’t a fluke. My friend Angie used her Chase Fairmont card to pay her mortgage via Plastiq recently, too – that’s also a Visa card. And I’ve heard others have had success, too.

Plastiq Visa payments

While I think 3X with the Chase Sapphire Reserve is long gone, using Plastiq to meet minimum spending on Visa cards is extremely easy. Even with the 2.5% fee considered, having it done in seconds sure beats having to monitor it for a few months. Especially if you need to spend a few thousand.

I also just confirmed 3X still works with the Citi AT&T Access More card. And wrote about why you’d even consider using the new Blue Business Plus Amex for Plastiq payments, too.

But given that I can still get 3X, the gravy train is still on – at least for now.

And moreover, it seems you can use your Visa cards again. So if you have a Visa and want to make some Plastiq payments for rent, mortgage, or HOA, they should go through just fine. 🙂

Have you had recent success using a Visa card for a rent payment through Plastiq? 

[DEAL IS DONE] Tomorrow at Exactly 12:00 PM Eastern: $1,300 in Free Credit Card Spending, Plus $25

Update: As of 5:32 pm Eastern time, PFS Buyers Club is not letting anyone else opt-in to the offer. DEAL IS DONE.

That went fast

Congrats to those who got in on this! Sign-up for PFS Buyers Club so you don’t miss the next deal when it pops up!


Via my friend Meghan, you can purchase a Platinum coin from the US Mint tomorrow for $1,300 + $4.95 in shipping, then get paid $25 a week later. And yes, you can use a credit card.

The coins become available at exactly 12:00 pm Eastern time tomorrow, July 6th, 2017. Sometimes these deals go within minutes, so set a reminder for 11:50 am so you can be ready, if you’re interested. And be sure to opt-in (details below).

PFS buyers club

Buy this coin, get free points and cash

Then, PFS Buyers Club will send you a pre-paid label and pay you $1,330 for your effort – which yields a profit of $25. They send a check or PayPal payment within 7 business days of when you send them the coin.

Here are a couple of tips if you’re interested in this deal.

About PFS Buyers Club

Read More

Airbnb Hosting by the Numbers: 2017 Update

Also see: 

Thought it was time to do an update on my Airbnb hosting. And the state of it. Mostly because if the numbers look good, I might get another one.

Long ago, I started my Airbnb operation in New York, which was a smashing success. Until it wasn’t. I no longer have properties in New York, as of last month.

So far it’s going well in Dallas. I have two here. They’re easy to track and manage for what they are because they’re on two separate profiles.

airbnb hosting 2017

My downtown Dallas Airbnb

In my opinion, a side business is the best way to “manufacture spend” these days. I easily put $6,000+ of expenses on my cards each month – and the bulk of that is in bonus categories.

I recently found out some rent payments code as 3X for “travel” with the Chase Sapphire Reserve. So that’ll keep me with an extra ~20,000 Chase Ultimate Rewards points per month – a handy ransom (if they all code as 3X)!

Airbnb hosting by the numbers

Read More

Did You Do the Kohl’s Appliance Deal? Get Back $2 per Item!

Out and Out reader Claudia let me know all the of the items included in last week’s awesome Kohl’s appliance deal are now on sale for $14.99 (at the time, they were all $16.99).

So if you’re crazy like I was/am, and bought 40 items in total, making a quick 15-minute call to Kohl’s can get you $80 back!

That obviously sweetens the previous deal – and saves you more.

Here are a couple of things to note.

Some tips for Kohl’s, and shopping in general

Read More

[EXPIRED] Hurry! ~$500 Moneymaker on Kitchen Appliances at Kohl’s With Discover It or Freedom

Update 10/4/16: It looks like Kohl’s gift card purchases from the MPX app are NOT coding as department store as expected. Peeps in the comments say it didn’t work with their Chase Freedom cards.

No dice here, either

No dice here, either 🙁

It looks to also be true with Discover It. My purchase coded as “Misc. General Merchandise.” So I lost the 10% cashback and will get 2% cashback instead.

I haven’t heard of this happening before now, so I will gather new data points before I recommend this moving forward. Thanks to all who let me know!

I’m bummed about this, but at least we got the 1,500 United miles (worth ~$30) as consolation. Though I would’ve preferred the cashback.

Update 10/3/16: This deal has expired. I plan on writing about my experience with it – here’s how to keep up with the blog so you’ll get the updates!

Need a little rush this weekend? How about buying $600+ worth of appliances at Kohl’s? 

Last year they had a similar appliance deal I didn’t take part in. But this year I did.

Now before you think I’m crazy (although it may be waaay too late for that), let me explain.

This is a moneymaker if you do it right!

Hat tip to Jill Cataldo for blogging about this and my friend Jas for turning me on to this deal!

Build the deal

I feel like I say this every time I write about Kohl’s, but… it’s no secret I freaking love Kohl’s.

Right now, they have a lot of appliances on sale for $17, including:

Lots of appliances for $17

Lots of appliances for $17

In total, there are 8 kitchen appliances at the $17 price. 

as

All of the items have a $12 Visa gift card rebate

And, all of the items linked above are eligible for a $12 mail-in rebate. You get a Visa gift card with a limit of 5 per product.

That means if you buy 5 of all 8 items, you can get 40 X $12 back, or $480.

Right now, there’s also a 15% promo code: SMS1871. And it does work for these items.

When you add all of them to your cart and add the promotion code, the total is ~$625. You also get $110 in Kohl’s cash to spend next week.

sa

I paid ~$625 for all 40 appliances

Note that taxes in your state might be different than mine! In Texas, the taxes came to ~$48.

And, you must purchase the items by tomorrow, October 2nd, 2016, to qualify for the rebate (here’s the rebate form). Cheers to the weekend!

Stack stack stack

Read More

Get an Extra 3X on Gift Cards at Staples (So 8X If You Have a 5X Office Supply Card)

Update: Wow, instant response! Chuck from Doctor of Credit let me know this may or may not work. So for now, I think the best thing to do is start slow at your local Staples (like try $5 and see if it works) and go from there, should you decide to try this. Thanks all for any info you want to add!

I was poking around as I am wont to do and assembled an 8X combination that I think will work.

Now, I haven’t done this myself, but it seems totally do-able.

What you’ll need to get started is:

  • The MileagePlus X app (which I’ve written about) AND
  • If you want 8X points, a Visa or MasterCard that earns 5X at office supply stores

Such as:

You can also get 5X on top of what you’ll earn from any other card with the exception of a couple of Amex cards.

Or, if you’re trying to meet a minimum spending requirement and want to get an extra 3X at office supply stores, this should work nicely.

Stack 3X through MileagePlus X with 5X on another card

Read More

Is the Citi AT&T Access More Card + RadPad a Viable MS Option?

Also see: 

I wrote earlier about my wishes for the Citi ThankYou program and increasing fascination with Citi.

Today, I had some sort of psychic break and picked up the Citi AT&T Access More card.

Oops, I did it again

Oops, I did it again

I applied for it instead of the Citi ThankYou Premier card. Based on my current spending habits, and the fact that I already have Citi Prestige, the Citi ThankYou Premier seemed redundant.

Except for its broad 3X category for all travel including gas. But then I thought, you know, no.

Before I go all-in with Citi ThankYou, I wanna see what’s next. I can pick up that card up any time. And use my Chase Sapphire Preferred (or some other card) for gas/other travel.

And then, thinking more on the Citi AT&T Access More card, I thought about why it could be better. Including for paying rent at RadPad, a topic I’ve mined frequently.

About the Citi AT&T Access More card

Read More

16 Points & Miles Predictions for 2016

Happy New Year! I thought I’d hop on the bandwagon with the predictions. So here’s my effort.

"Everyone else is doing it, so why can't we?"

“Everyone else is doing it, so why can’t we?”

2015 was a crazy year

A portrait of the Fidelity AMEX card

A portrait of the Fidelity AMEX card

Out and Out’s Points and Miles Predictions for 2016

Read More

Out and Out’s Best Posts of 2015

Wow. Out and Out made huge strides in 2015. A lot happened – and even more will happen in 2016.

Blog traffic tripled this year. In fact December 2015 is the biggest month ever for the blog (and it’s not over yet!). I’m thinking of how to improve things around here even more, and celebrating every step of the way because I couldn’t grow without your support.

Celebrate!

Celebrating!

You guys are awesome. I love my readers!

I’ve ironed out many ideas on here and found solid resolutions thanks to tons of community-focused comments. And meeting new peeps at the regular Reach for the Miles meetup has been fantastic.

I hope to continue the momentum and keep improving.

But first, I want to take a moment to pause and look back at where we’ve been this year.

Best of 2015

Read More

PayPal My Cash Cards With Credit Cards at CVS Still Working, but YMMV

Also see: 

Out and Out reader Jack commented:

Had trouble today for the first time loading my PayPal my cash card with a credit card at CVS.

Once the lady scanned the PayPal My Cash card the computer prompted her as CASH ONLY. She refused my credit card.

Did they finally hardcode?

I wanted to follow up because I had a similar experience here in New York City.

I went to a CVS on Houston Street, handed over 2 PayPal My Cash cards, and requested $500 on each, for a total of $1,007.90 after activation fees.

The cards scanned without a problem, and the total popped up.

I swiped my new Citi Prestige card, hoping to help meet the $3,000 minimum spending requirement this way, and then pay with rent with RadPad and the PayPal Business Debit MasterCard.

Like Jack, I got a similar prompt on the register. I asked if she wouldn’t mind just trying to swipe the card. It wasn’t declined. It simply didn’t process.

She said it looked like cash only – no credit cards allowed.

So I set out to try a store in southern Illinois over the Thanksgiving break.

Success! But it’s very YMMV

Read More

Get an Easy 1% Cash Back on Your Rent and Other Debit Card Purchases

Also see: 

I have to thank Out and Out reader Greg for pointing this out.  He says:

I have a Paypal Business Debit MasterCard that earns me 1% cash back on “credit” purchases. I don’t fund it, I just use it to pay almost all of my bills and have it linked to my bank account.

I get my 1% cash back on everything, don’t have to worry about my Paypal balance (as long as my bank balance is good), it makes me feel like I’ve added a layer of protection to my bank account, and it buys me some float time from when I make a purchase until it clears my bank account.

I don’t do “debit” transactions with it BC I don’t get 1% cash back and and money is immediately withdrawn from my bank account… Unless of course my Paypal account still has a balance left from my monthly cash back reward, then that is deducted before anything hits my bank account.

After doing a little digging, Greg is absolutely right!

I wrote about how to pay rent with RadPad and the PayPal Business Debit MasterCard.

You can add in PayPal My Cash cards purchased from CVS to earn points and miles, too. As long as you load up your account and ONLY take the money out through a purchase made from the PayPal Business Debit MasterCard.

asd

RadPad and PayPal play well together

And yes, RadPad specifically codes as a purchase and earns 1% cash back.

In application

Read More

List of AMEX Cards NOT Issued by American Express

Also see: 

Spoiler alert. On this list, I find the FIA Fidelity AMEX to be the most valuable. I just love that card so much.

List of AMEX Cards NOT Issued by American Express

Thank you for being a friend – and for NOT being issued by American Express

And this post is gonna be focused on Serve.

Note: It is possible to send money between Serve and REDbird, or Serve and Bluebird.

So if you’re managing multiple cards, you can get a Serve card, load it up for $1,000 each month, and send it to Bluebird or REDbird to pay bills that normally don’t accept credit cards. Like student loans, utilities, mortgage payments, or anyone else.

List of AMEX Cards NOT Issued by American Express: 

Read More