This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. What is written in the article is the editor's opinion.
I just made my last round of rent, mortgage, and HOA payments through Plastiq with my Citi AT&T Access More card because Citi is removing those transactions from earning 3X starting next week.
But as I reviewed the transactions, I noticed they weren’t coding as rent like they had before. Instead, they’re coding as “Misc Government Services.” That gave me pause because of the language in Citi’s T&Cs:
But upon further review, I earned 3X in this very same category as early as this month. Which makes me wonder… will 3X live on for rent and mortgage payments with the Citi AT&T Access More card?
A history of Plastiq 3X With Citi AT&T Access More Card
The last time I used this card for rent/mortgage/HOA was in March 2017 (after that, I use my SPG biz Amex and then went some min spends).
Through Plastiq, those charges coded as “Real Estate Agents and Managers Rentals:”
Which was awesome, because at the time, 3X was going well for this category.
Flash forward to this week in July 2017. I made the exact same payments. But noticed they now code as “Misc Government Services:”
I haven’t edited the payees in any way. They’re simply coding differently. Something’s changed in the past couple of months.
The Citi T&Cs specifically say “government services” only earn 1X (see screenshot above). But, I made a mortgage payment earlier this month that coded the same way AND still earned 3X on my last statement:
I only had 5 transactions on my last billing statement, and 4 of the 5 charges – including the Plastiq mortgage payment – earned 3X Citi ThankYou points.
Here’s how that $1,600 charge coded:
Misc Government Services! (I never thought I’d type something like that with an exclamation point at the end.)
If that’s any indication, the charges from this week should earn 3X as well. It remains to be seen if they’ll earn 3X after July 22nd, 2017, but my hunch is they will… unless Citi really starts cracking down next month. Which I don’t think will really happen.
Either way, I’m going to do one more round of payments because this is enough to convince me that:
- Citi is coding Plastiq rent, mortgage, and HOA payments differently
- For whatever reason, they’re earning 3X even though they’re “government services”
- 3X for these payments might live on beyond July 2017
- Link: Sign-up for Plastiq (Get $500 in fee-free payments)
There’s no doubt Citi wants to stop giving 3X points for Plastiq payments. But I don’t think they’re flagging them well enough to actually prevent the charges from earning 3X. Unless something drastically changes by next week, which is doubtful.
I’m going to stick with this one more time for a couple of payments in August and see how they code. But seeing this, and how they’re coding, gives me a little hope that Plastiq 3X with Citi AT&T Access More will live on.
However, it will very much be a month-to-month scenario. I won’t be surprised if this gravy train comes to a sudden end. But until that happens, I’m gonna keep riding for as long as I can.
The 3X from this card, combined with the 10,000 annual bonus points, would make the case to continue using Plastiq payments. When this stops working, see why the Blue Business Plus Amex card is the next best card to use for rent and mortgage payments.
If you have recent data points, please share!
BEST Current Credit Card Deals
- Chase Sapphire Reserve - 50,000 Ultimate Rewards points - My review of this card.
- Discover it® Cashback Match™ Card - $50 after 1st purchase within 3 months of account opening - Why I love this card!
- Hilton Surpass Amex - 85,000 Hilton points - Why I picked up this card.
- Chase Hyatt card - 40,000 Hyatt points and a free night at a Category 1 through 4 hotel each year on your cardmember anniversary - Here are 5 great hotels to redeem your free night!