We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Before Year-End, Don’t Forget This Easy Medical Bill Payment Trick (I Used It to Unlock a 75,000-Point Marriott Card Bonus!)

  • Million Mile Secrets

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

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

    Do you contribute to a Flexible Spending Account (FSA) at your job?  If so, you likely have to use the funds in your account before the end of the year.  Some employers allow you to carry over $500 to the following year.  But most plans are use-it-or-lose-it.

    Many FSA plans issue a debit card you can use to pay for eligible medical expenses (co-pays, prescriptions, etc.), but you don’t earn rewards when you use a debit card.  That’s why I ALWAYS pay medical expenses with my own personal credit card.  Then, I submit a receipt to the FSA provider for reimbursement.

    I recommend checking with your FSA plan provider to ensure you’re eligible to pay with a personal card.  But I recently did this to pay a $2,650 medical bill.  The purchase helped me meet minimum spending requirements on the Marriott Rewards® Premier Plus Credit Card.  So I was able to take advantage of the card’s 75,000-point sign-up bonus!  That’s enough points for a free night at ANY Marriott hotel, even luxurious Ritz-Carlton or St. Regis hotels.

    Paying a Large Medical Bill With My Own Card Helped Me Unlock a Huge Marriott Card Bonus! The Points Are More Than Enough for a Free Night at ANY Marriott Hotel, Even the Luxurious St. Regis New York!

    I’ve been making eligible FSA purchases with a personal credit card and submitting reimbursement requests for several years.  It’s a painless process.  You just have to submit receipts and proof of payment to the FSA provider.  And I typically get a reimbursement check within 2 to 4 weeks.

    Chase Marriott 75,000-Point Offer

    Link:   Marriott Rewards® Premier Plus Credit Card

    I’m a loyal Marriott fan because I enjoy taking advantage of my Platinum status perks, like late checkout and room upgrades.  And having the Chase Marriott card in my wallet will help me continue to earn Platinum status each year.

    Plus, when you sign-up for the Marriott Rewards® Premier Plus Credit Card, you’ll earn 75,000 Marriott points after spending $3,000 on purchases in your first 3 months from account opening.  This means you’ll have at least 81,000 Marriott points after meeting the minimum spending requirements (75,000-point sign-up bonus + at least 6,000 points from minimum spending).

    With the Chase Marriott Premier Plus, you’ll also get:

    The card’s $95 annual fee is NOT waived the first year.

    Note:   If you’ve opened 5 or more credit cards from ANY bank in the past 24 months (excluding certain small business cards and Chase business cards), Chase will NOT approve you for many of their best travel rewards credit cards.  And the Chase Marriott Premier Plus card WILL count toward your 5 card limit.

    Apply for the Chase Marriott Card to Earn Valuable Points You Can Use

    Marriott is the largest hotel chain in the world (based on the total number of rooms).  This means folks with the Chase Marriott Premier Plus card have lots of ways to earn bonus points on paid stays at these brands:

    Is a Flexible Spending Account part of your minimum spending strategy?  Leave a comment below!

    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! :)