Pay landlords, mortgages, and vendors that don't take cards — for a 2.9% fee.
Plastiq, Melio, and PayZerk push credit-card payments to any US bank account or check payee for a 2.9% fee. Runs rent, mortgage, taxes, tuition, contractor invoices, and vendor A/P through your card. Profitable ONLY when you're chasing a signup bonus (SUB), hitting spend thresholds for elite status, earning >2.9% back, or bridging a 0% APR window. Not a standalone play — always paired with SUB math or category multipliers.
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.