Limited-Time! Top 5 Card Bonuses Which Are Now Easier to Unlock

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Limited-Time! Top 5 Card Bonuses Which Are Now Easier to Unlock

Million Mile SecretsLimited-Time! Top 5 Card Bonuses Which Are Now Easier to UnlockMillion Mile Secrets Team

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Considering applying for an AMEX card with a big welcome bonus, like the AMEX Business Platinum or AMEX Business Gold Rewards card, but unsure about meeting the minimum spending requirements?

Good news!  With Plastiq’s latest promotion, you can pay bills with a credit card for a reduced fee.  Which could be a great way meet a card’s minimum spending requirements and earn a big welcome bonus!

Limited Time Top 5 Card Bonuses Which Are Now Easier To Unlock
The Welcome Bonus From the AMEX Business Platinum Card Is More Than Enough Points to Fly to Europe. And Plastiq Can Help You Meet the Minimum Spending Requirements!

Here are 5 AMEX cards whose welcome bonuses are now easier to unlock.

An Easier Way to Meet AMEX Minimum Spending

Link:   Use AMEX With Plastiq for 2% Fee

Link:   Sign-Up for Plastiq

Yesterday, I let you know about a limited-time promotion from Plastiq.  That will help make meeting minimum spending requirements on American Express cards easier!

Million Mile Secrets team member Harlan has had success using Plastiq for things like rent, electricity, and student loan payments.

You can use the service to pay big bills that normally don’t accept a credit card.  This can be a huge help towards unlocking welcome bonuses!

Limited Time Top 5 Card Bonuses Which Are Now Easier To Unlock
Pay Almost Any Bill With a Credit Card Through Plastiq!

Here’s my full review of Plastiq.

Remember, AMEX only allows folks to get the welcome bonus ONCE per person, per lifetime on ALL their cards.

That said, AMEX small business cards are relatively easy to get.  And they will NOT hurt your chances of being approved for Chase cards.  

So if you’re wondering which AMEX card to use with this deal, here’s my list of 5 AMEX cards currently offering great welcome bonuses and perks!

1.   The Business Platinum® Card from American Express OPEN

Link:   The Business Platinum® Card from American Express

With the AMEX Business Platinum card, you can earn up to 100,000 AMEX Membership Rewards points after meeting tiered minimum spending requirements, when you apply by January 25, 2017.  But you’ll have to spend $15,000 on purchases in the first 3 months of opening your account to earn the full bonus.

That’s where Plastiq comes in handy!  Do you have a tax bill coming up, or maybe a college tuition bill?  Use Plastiq with your AMEX Business Platinum card to pay these bills, and put a dent in the card’s minimum spending requirement.

For example, say you owe $5,000 for your child’s college tuition.  You could use Plastiq to make the payment with your AMEX Business Platinum card, and meet a third of the card’s minimum spending requirement ($5,000 / $15,000).

Because Plastiq has lowered their fee for AMEX cards to 2% through February 28, 2017, you’ll pay $100 (2% X $5,000).  But I’d say paying $100 is worth it if it means you’ll be able to earn the 100,000 AMEX Membership Rewards point bonus (along with other great perks).  That’s worth $2,300 in paid airfare through the AMEX travel portal!

2.   The Business Gold Rewards Card from American Express OPEN

Link:   The Business Gold Rewards Card from American Express OPEN

Link:   My Review of the Business Gold Rewards Card 50,000 Point Offer 

The AMEX Business Gold Rewards card is currently offering 50,000 AMEX Membership Rewards points after spending $5,000 on purchases within the first 3 months of account opening.

As in the example above, you could use Plastiq to pay large bills that normally don’t accept credit cards, to help meet the minimum spending requirements on your AMEX Business Gold Rewards card.

Limited Time Top 5 Card Bonuses Which Are Now Easier To Unlock
Emily’s Looking Forward to Earning the 50,000 AMEX Membership Rewards Point Welcome Bonus With the AMEX Business Gold Card!

Emily recently applied for this card and was instantly approved!  She’ll have lots of flexibility in using the points she earns, because she can transfer the points to terrific airline partners like Air Canada or Delta!

3 and 4.   AMEX Starwood Cards (Personal & Small Business)

Link:   Starwood Preferred Guest Credit Card from American Express

Link:   Starwood Preferred Guest Business Credit Card from American Express

With both the personal and small business version of the AMEX Starwood cards you’ll earn 25,000 Starwood points after meeting minimum spending requirements.

You’ll need to spend $3,000 within the first 3 months of account opening with the personal version of the AMEX Starwood card.  Or $5,000 within the same timeframe to earn the bonus on the small business version of the card.

Let’s say you have a $2,000 tax bill.  You could use the personal AMEX Starwood card along with Plastiq to pay it.  Plastiq would charge a $40 fee under their current deal (2% X $2,000).  But that’s certainly worth it if it means you’ll earn 25,000 Starwood points!

That’s because you can transfer 20,000 Starwood points to lots of airlines at a 1:1 ratio.  And for every 20,000 Starwood points transferred you’ll get a 5,000-mile bonus (when the transfer ratio is 1:1).  25,000 airline miles (20,000 + 5,000) is good for a round-trip domestic ticket on both Delta and American Airlines!

Also, the $95 annual fee for both of these cards is waived the first year.  You can read my series on using Starwood points here.

5.   AMEX SimplyCash Plus Business Card

Link:   AMEX SimplyCash Plus Card

Link:   My Review of the AMEX SimplyCash Plus Card

Through January 25, 2017, you can earn up to $500 in statement credits with the AMEX SimplyCash Plus small business card after meeting tiered minimum spending requirements.

You’ll earn a $250 statement credit after spending $5,000 within the first 6 months of card membership.  And an additional $250 statement credit after spending an additional $10,000 on your card within the first year of card membership.

Limited Time Top 5 Card Bonuses Which Are Now Easier To Unlock
Nothing’s Easier Than Cold Hard Cash! If Your Small Business Spends a Lot in Certain Categories, the AMEX SimplyCash Plus Is a Good Choice

Using Plastiq to pay big bills with your AMEX SimplyCash Plus card would make meeting those higher minimum spending requirements much easier!

Check out this post about 7 types of folks who might consider the AMEX SimplyCash Plus card.

Bottom Line

Through February 28, 2017, Plastiq will charge a reduced fee of 2% (normally 2.5%) when you pay bills with your American Express card.  So you can use your AMEX to pay bills that don’t normally accept credit cards, like mortgages, rent, and car payments!

This can be a great way to meet minimum spending requirements at a lower cost.  And earn fantastic welcome bonuses from cards like the AMEX Business Platinum, AMEX Business Gold Rewards, and AMEX SimplyCash Plus.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Would you reccomend maxing out the bonuses on 5 chase cards before starting to apply for Amex?

Christopher A. Lin

Could even be better. If the bill being paid using Plastic is $5000 (or more) then you earn 2x points on that purchase. So if by chance you paid a $15K college tuition bill with Plastic you’d get a total of 130K MR points worth $2600 for $750 ($300 Plastic charge + $450 AMEX annual fee).

No idea why anyone uses the points to pay for ticket . Just save the points and transfer them to airline and use them for BC tickets around the world that usually are worth many times more in value

Trying to figure out how its $2300+ from AmEx Business Platinum sign up bonus. Whats the math there?

If I assume 1.5x…that gets me to $1725 for sign on bonus and minimum spend. Ofcourse I am assuming each point is worth a penny, which I could be wrong on.

You’ll have 115,000 AMEX Membership Rewards points after meeting the tiered minimum spending requirements. Each point is worth 2 cents when you use the Pay With Points perk to book paid airfare through the AMEX travel portal. So 115,000 x 2 cents = $2,300.

Here’s a post with more information:

https://millionmilesecrets.com/2016/12/06/american-express-business-platinum-activation/

If they are worth 2 cents, then yes. I just assumed they were worth a penny each when paying with points, but you get 50% back.

So in this case actually, then it should be worth way more than $2300 as you will get 50% points back, right?

Comparing Chase Reserve to this…Chase gives you 1.5x value for your points when booking through their portal. AmEx gives you 2x when booking flights through portal and 50% of your points back?

I figured my answer….50% refund makes it 2 cents.

Well while I can certainly use it, but not sure how useful it is for most people. You have to come up with certain number of points to book the flight before you get the refund. Just more hoops to jump through.