{"id":11660,"date":"2025-04-15T04:00:00","date_gmt":"2025-04-15T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=11660"},"modified":"2025-04-15T01:01:52","modified_gmt":"2025-04-15T07:01:52","slug":"psa-the-easiest-day-for-tax-related-manufactured-spend-is-probably-today","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2025\/04\/15\/psa-the-easiest-day-for-tax-related-manufactured-spend-is-probably-today\/","title":{"rendered":"PSA: The Easiest Day for Tax-Related Manufactured Spend is (Probably) Today"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\">The Game<\/h4>\n\n\n\n<p>One of the most easily explainable and most accessible manufactured spend techniques is to prepay your taxes with a rewards card and get a refund for your prepayments as a check or ACH deposit after filing your return. Since today is tax day, that means that today&#8217;s your last day to make that work easily for your 2024 return and have still have a short window until your overpayment refund posts.<\/p>\n\n\n\n<p>A few easy ways to do that along with limits per return:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.pay1040.com\">Pay1040<\/a>: 1.75% cost for most cards [2x]<\/li>\n\n\n\n<li><a href=\"https:\/\/www.officialpayments.com\/index.jsp\">ACI Payments<\/a>: 1.85% cost for most cards [2x]<\/li>\n\n\n\n<li><a href=\"https:\/\/www.plastiq.com\">Plastiq<\/a>: 2.9% + $1.49 [\u221ex, depending on Kirkland and Brooklyn&#8217;s moods]<\/li>\n\n\n\n<li><a href=\"https:\/\/meliopayments.com\">Melio<\/a>: 2.9% [\u221ex, but only for business payments]<\/li>\n<\/ul>\n\n\n\n<p>If you see a higher transaction fee on Pay1040 or ACI using a business card, use PayPal for a reduced fee structure. Note that Plastiq and Melio payments take a few days to post to your tax account.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What Could Possibly Go Wrong?<\/h4>\n\n\n\n<p>Generally nothing goes wrong, but there have been rare reported instances in the past of <a href=\"https:\/\/www.reddit.com\/r\/tax\/comments\/zbur9n\/anyone_here_overpay_taxes_for_credit_card_points\/\">the IRS holding funds<\/a> for overpayment refunds. These seem to be related to big scale that triggers an internal fraud warning. In the worst case, a whale once needed to get an <a href=\"https:\/\/www.irs.gov\/taxpayer-advocate\">IRS Taxpayer Advocate<\/a> to help shake funds loose.<\/p>\n\n\n\n<p>There also seems to be a periodic bug with American Express instant card numbers and tax payments not counting toward minimum spend without opening a case with American Express support. But I wouldn\u2019t let that stop me from getting a new card and knocking out the spend in a single day. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Legal Crap<\/h4>\n\n\n\n<p>Obviously, I&#8217;m not a tax professional and I&#8217;m definitely not your tax professional, so don&#8217;t trust anything I say about any topic, ever.<\/p>\n\n\n\n<p>Good luck!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"733\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/04\/lambo-1024x733.png\" alt=\"\" class=\"wp-image-11663\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/04\/lambo-1024x733.png 1024w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/04\/lambo-300x215.png 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/04\/lambo-768x550.png 768w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/04\/lambo.png 1293w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Last week&#8217;s edition of &#8220;What could possibly go wrong?&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Game One of the most easily explainable and most accessible manufactured spend techniques is to prepay your taxes with a rewards card and get<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[12],"tags":[],"class_list":["post-11660","post","type-post","status-publish","format-standard","hentry","category-ms-hints"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=11660"}],"version-history":[{"count":4,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11660\/revisions"}],"predecessor-version":[{"id":11665,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11660\/revisions\/11665"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=11660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=11660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=11660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}