Minimum Spend Strategies for July 2018: Gift Cards, Pre-Paying Taxes, RoomiPay, Plastiq

Minimum spend refers to meeting a set spend requirement on a new credit card to receive the signup bonus. The landscape changes quickly, so we'll most likely create a monthly video about new strategies. 

Buying Store Gift Cards

If you're near the end of the 90 day period to meet a minimum spend amount, I recommend buying store gift cards; NOT cash equivalents like the Visa Vanilla card. 

Pick gift cards to places you would shop at anyway like grocery stores or gas stations. 

Pre-Pay Taxes or Utilities

If you have a small business, you can choose to pre-pay your quarterly taxes with a credit card.

The same goes for utilities if you want to pay a couple of months in advance for internet services. 

Pay Your Rent with a Credit Card: RoomiPay

RoomiPay is a service that lets you pay your rent with a credit card, and it charges a 2.5% fee.

They usually send an email on the 22nd of the month with the email title "RoomiPay will be live..."


Here's how to register:

  1. Go to and sign-up
  2. Once logged in, go to your profile
  3. Click on "Get Verified."

If you are someone new to RoomiPay, you'll need to create an account and verify your identity.

Plastiq + Masterpass Promo

For existing Plastiq users, if you enroll your Mastercard in Masterpass, you can submit unlimited 0% fee payments of $250 or less. This promotion ends on September 30, 2018.

The promotion will apply for each Masterpass transaction, and you can submit unlimited transactions. The first $250 of each payment will be fee-free. 

Try Plastiq and get $500 in fee-free payments after you spend $500 (referral link):

Promotions: 0% via Masterpass

  • 0%  fee on up to $250 of each Masterpass payment
  • Unlimited use
  •  Ends Sept 30, 2018

Good use cases:

  • mortgage
  • IRS/tax
  • tuition

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.