1.82–1.87% fee to pay IRS on card — profitable only when SUB or 2%+ back.
IRS-approved processors (Pay1040, ACI Payments, PayUSAtax) accept credit-card payment of estimated taxes and 1040 balances for 1.82–1.87% fee. Strategy: route $50K–$500K/yr of tax obligations through 2%+ rewards cards (Fidelity 2%, US Bank Smartly 2.5–4%, Alliant 2.5%) for a NET 0.15–2.5% profit AFTER the fee. Also useful to hit business-card SUBs on $10K–$50K minimum-spend requirements in one shot.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.