Minimum Spend Strategies for June 2018: Urbanr, RoomiPay, Plastiq

The landscape of hitting minimum spend requirements to receive signup bonuses is continuously changing due to regulations and company policy changes. This post will focus on everyday spend that the average person has like rent and mortgage payments.


Urbanr is a service that lets you pay your rent with a credit card. With a 1.5% card processing fee, Urbanr has the lowest processing fee in the industry.

Urbanr (as of June 2018)

  • Not accepted: American Express
  • Accepted: Visa, Mastercard, Discover
  • Not taking payments for June 2018; they'll be back July 2018
  • 1.5% fees
  • Requires landlord to signup for the site as well

One drawback is that your landlord will need to signup for the service as well, otherwise, you will not be able to submit payments.


We've talked about RoomiPay in the past, and it seems like they've moved on from variable pricing. As of June 2018, RoomiPay has a flat 2% processing fee for everyone, and you need to submit an ID for verification.

The big drawback is that you will need to obtain your landlord's ACH info to use the service.

RoomiPay (as of June 2018)

  • Fixed 2% fee instead of variable (0%, 2%, 3%)
  • Accepted: Visa, Mastercard, Discover, Amex
  • Requires account on Roomi (
  •  Requires ID verification (front/back of license)
  • Payment form: ACH
  • Requires landlord's ACH info


Plastiq is experiencing temporary issues with personal Visa cards coding as a cash advance. If you're affected by this issue and scheduled payments ahead of time, you will receive an email from them. 

Per Plastiq's blog post, they're working with Visa to resolve the issue. If you are planning on using a Visa card with Plastiq, I strongly encourage you to look through the list to see if your card is affected. Mastercard and American Express cards are unaffected by this change.

Visa business cards remain unaffected, so the Chase Ink Preferred is still earning 3x without issues (this can change at any time).

Chase personal Visa cards are limited to 20% of their credit limit. Using third-party services to make payments doesn't really make sense outside of minimum spend though for most people.

Do NOT use Bank of America or Citi Visa cards on Plastiq until they resolve the situation.

Plastiq (as of June 2018)

  • 2.5% fee
  • Works for: taxes, tuition, rent, mortgage (MC), etc.
  • Payment: ACH or check
  • Visa: Temporary issue?
  • Business cards = unaffected
    • i.e., Chase Ink Preferred still earns 3x without issue
  • Chase (personal) cards = limited to 20% of credit limit
    • i.e., CSR ($10,000 limit) = max payment is $2,000
  • Capital One (all) cards = unaffected
  • Other Visa = cash advance = DO NOT USE FOR JUNE

If your merchant accepts ACH or wire transfers, the following timelines apply:

  • Domestic Wire (Payment arrives same-day)
  • International Wire (Payment arrives next-day)
  • ACH Direct Deposit (Payment arrives in 4-5 business days or expedited option available)

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

Plastiq 0% fee via Masterpass Promotion

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. 

Promotions: 0% via Masterpass

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

You can view credit card offers by going to the "Credit Card Offers" tab. Find offers for the respective cards in "Hotel Credit Cards" and "Airline Credit Cards." You don't have to use our links, but we're grateful when you do. Thank you for supporting AskSebby!

Some Mastercards to consider (if you're over 5/24):

Chase IHG Premier

  • 80k IHG points after $2,000 spend
  • $89 annual fee BUT keeper card

Barclays JetBlue Plus

  • 40k JetBlue miles after $1,000 spend
  • $99 annual fee w/ downgrade path

Citi AA Platinum
 - 60k AA miles after $3,000 spend
 - $99 annual fee (waived) w/ downgrade path