It Lives! 3X ThankYou Points on Plastiq Payments With Citi AT&T Access More Card

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I suspected this might be the case!

My statement closed last night and I just got the PDF. I can confirm all my rent payments made through Plastiq on my last Citi AT&T Access More statement earned 3X Citi ThankYou points. Even the ones made after July 22nd.

citi plastiq 3X

3X is alive and well

The only things that didn’t earn 3X coded as utility payments… which Citi has always said will earn 1X anyway.

The other payments are coding as “Misc Government Services.”

a screenshot of a website

My test payment from August 1st earned 3X and coded this way

I’m not sure what this means, but it looks like 3X is alive and well!

Citi Plastiq 3X is still around

Reader Amar confirmed on August 8th that his mortgage payment earned 3X as well.

Further, I made a rent, mortgage, and HOA payment – all earned 3X.

Interestingly, a student loan payment I made on my new Citi Diamond Preferred also coded as “Misc Government Services.”


a screenshot of a computer

Effin’ Mohela, man

I made the payment this way to avoid paying interest until 2019. But that it coded the same way leads me to believe some student loan payments will earn 3X as well. Previously, these payments coded as “Education” (which makes sense).

Somewhere along the line, the coding changed. And while I’d say to keep an eye on it, it seems 3X is good to go – for now at least.

Just wanted to share the newest data point. Let me know if it works for you, too!

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About Harlan

Just a dude living in Memphis, traveling, and working toward financial independence.

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  1. In light of the new Plastiq promo to schedule 3 or more mortgage payments with your Mastercard by end of this year, and get a rebate on the first 3 payments so that your effective Plastiq fee is 1.5%… Are there any new data points that verify 3x TYP on the Access More is still working?

    • My September statement closes on Monday so I should know late Monday/early Tuesday. However, the payments I made this month coded the same as last month so I have good reason to believe they WILL still earn 3X!

          • My mortgage has been posting at 3x, but today I received a replacement card.
            Do I really have to activate the new plastic, and risk losing the 1.75% plastiq fee promotion? Boo!

          • Hey Bill! I got one too. Upon examination, the card has the same card number, expiration, and 3-digit security code. The only change is it when from “World” to “World Elite” MasterCard. So you should be able to use the card you already have on file. 🙂

            Let me know if that’s the case with your card, too!

  2. It looks like the 3X mortgage payment on Plastiq no longer works. I got the bill today and those payments only earned 1X. Another one bites the dust!

    • That’s rough. My statement closes on the 9th and the only thing I charged last month is my mortgage payment. I’ll keep a eye out for this. Thanks for the heads up!

        • Coded as misc government services. However, the merchant is Plastiq. it’s usually Citi mortgage for me when i pay my mortgage through plastiq

          • I honestly haven’t made a rent payment on my Citi AT&T AM card in months – been using the Chase BA card to complete the $20K spend needed to earn 100,000 Avios from their recent offer. My last rent payment was in late November and coded as “Services – MISC GOVERNMENT SERVICES” which is the same as code as mortgages. So I assume it would only earn 1X now, but haven’t checked this in a while. Hopefully someone else can confirm.

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