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How to pay for municipal taxes with a credit card ?

To the point

You can pay for your municipal or school taxes with a credit card and get a welcome bonus along the way!

Like every year, milesopedia readers are looking for the best credit card to use to pay for their municipal or school taxes, in order to earn points or money!

In Canada, the two best services for paying bills with a credit card are:

In this article, we’ll take a look at the best credit cards to apply for and use these services to pay for your municipal or school taxes.

Municipal taxes

PayTM: the best Mastercard and Visa credit cards for municipal taxes

The PayTM application (available on Apple iOS / Android) allows you to pay different bills by paying between 2% and 3% fees depending on the credit card used and the provider.

For municipal and school taxes, the fee will generally be:

  • 2% with Mastercard or Visa
  • 3% with American Express

With our referral code: PTM2645309, you will get 5,000 points when you complete a first payment of $50! It’s a $5 value to be exchanged for gift cards through PayTM application.

Major cities are supported for payment by Mastercard or Visa credit card such as Montreal or Quebec City. Check that your city is available in the app and accepts credit card payments (simulate a transaction!).

For American Express cards, Plastiq.com is preferred for a lower fee. Below you will find the best offers for American Express cards.

So in this case, we are only be interested in the following cards:

  • Mastercard or Visa type
  • who are currently offering a welcome bonus
  • for consumers or self-employed consumers, professionals and small businesses

You might as well use a big expense such as municipal or school taxes to unlock a subscription bonus that requires you to spend several thousand dollars in 3 months.

Municipal taxes

AIR MILES: the best credit cards for consumers

Currently, the most advantageous Mastercard credit card for paying municipal and school taxes is the BMO® AIR MILES® World Elite®* Mastercard®*.

This card offers a welcome bonus:

  • 3,000 AIR MILES miles after $3,000 in purchases
  • the annual fee of $120 is waived in the first year; and
  • 2 free annual passes to access LoungeKey airport lounges (including the National Bank lounge at Montreal-Trudeau)

If you use them for CASH rewards, the 3,000 AIR MILES miles offer a minimum return of $315!

In addition, this card offers an exclusive 15% discount on airline tickets on all AIR MILES flights in North America, with no blackout period.

This card requires a minimum personal income of $80,000 or family income of $150,000.

For more information or to apply, please click here.!

BMO also provides a number of no-charge credit cards affiliated with AIR MILES, which are less demanding in terms of revenue.

The BMO® AIR MILES® Mastercard®*
for example offers 1,500 AIR MILES bonus miles as a welcome bonus after $1,000 in purchases. A welcome bonus easily unlocked through the payment of municipal or school taxes!

For more information or to apply for it, please click here!

Municipal taxes

AIR MILES: The best corporate credit cards

It is possible to get a nice welcome bonus by paying for your municipal and school taxes with an AIR MILES credit card for professionals, self-employed workers or small businesses!

We’re talking about the BMO® AIR MILES® Business Mastercard®*.

This card offers a welcome bonus:

  • 3,000 AIR MILES miles after $5,000 in purchases
  • the annual fee of $120 is waived in the first year; and

For more information or to apply, please click here.!

BMO also provides a no-fee AIR MILES business credit card.

The BMO® AIR MILES® No-Fee Business® Mastercard®* offers a welcome bonus of 1,000 AIR MILES after $2,500 in purchases. A welcome bonus easily unlocked by paying for your municipal or school taxes!

For more information or to apply for it, please click here!

Municipal taxes

Travel Points: the best credit cards for consumers

HSBC Bank has an excellent credit card that offers travel points: the HSBC World Elite® Mastercard®.

This credit card offers:

  • a very nice welcome bonus (Quebec / Rest of Canada)
  • $100 in annual travel credit
  • no transaction fees for foreign currency transactions
  • unlimited Boingo Wi-Fi access

Quebec

Outside Quebec

BMO offers the excellent BMO® World Elite®* Mastercard®* as part of its BMO Rewards program.

This card offers a welcome bonus:

  • 35,000 BMO Rewards points after $3,000 in purchases ($250 value to be used through the BMO Rewards portal)
  • the annual fee waived in the first year (a value of $150)
  • 4 free annual passes to access LoungeKey airport lounges (including the National Bank lounge at Montreal-Trudeau) (a value of $140 per year)

The 35,000 BMO Rewards points have a value of $250 to use on travel. Add to that the exceptional bonus of $100 in travel credits, and you have over $350 available for trips thanks to this welcome offer!

If your municipal tax account is $3,000, that’s a return of almost 12% thanks to this welcome bonus (not counting the miles earned through payment)!

This credit card is the one we claimed to be the best credit card for travel insurance with points and miles.

This card requires a minimum personal income of $80,000 or family income of $150,000.

For more information or to apply, please click here.!

If you prefer a credit card with travel points and no annual fee, the BMO Rewards® Mastercard®* is for you!

It offers 20,000 BMO Rewards points as a welcome bonus after $1,000 in purchases. A welcome bonus easily unlocked by paying for your municipal or school taxes!

For more information or to apply for it, please click here!

Finally, if you prefer a credit card with hotel points and no annual fee, don’t forget the Best Western Rewards® Mastercard!

It offers 20,000 Best Western points as a welcome bonus with your first purchase.

For more information or to apply for it, please click here!

Travel Points: the best corporate credit card

It is possible to get a nice welcome bonus by paying for your municipal and school taxes with a credit card that offers travel points for professionals, self-employed workers or small businesses!

We’re talking about the BMO Rewards Business MastercardMD*.

This card offers a welcome bonus:

  • 35,000 BMO Rewards points after $5,000 in purchases
  • the annual fee of $120 is waived in the first year

For more information or to apply, please click here.!

Municipal taxes

Cash back: the best credit card for consumers

Scotiabank has an excellent welcome bonus for its cash-back credit card , the Scotia Momentum® VISA Infinite* card:

  • Up to $200 cash back
  • annual fee waived in the first year (a value of $120)
  • great insurances

This credit card requires a minimum personal income of $60,000 or family income of $100,000.

For more information or to subscribe, please click here!

Cash back: the best business credit card

It is possible to get a nice welcome bonus by paying for your municipal and school taxes with a credit card that offers cash back for professionals, self-employed workers or small businesses!

We’re talking about the BMO CashBack® Business Mastercard®*.

This card offers a welcome bonus:

  • a 6% cash back rate for four months on gasoline and office supplies purchases and cell phone and Internet bill payments
  • no annual fees from year to year

For more information or to apply, please click here!

Plastiq: the best American Express credit cards for municipal taxes

Plastiq.com takes over the advantage as soon as you want to pay for your municipal taxes with an American Express card . The fee is 2.85% compared to the 3% charged by PayTM with American Express.

All cities are supported for payment by an American Express card through Plastiq. Indeed, for some of them, Plastiq will send an electronic transfer. While for others, Plastiq will send a cheque!

Municipal taxes

AIR MILES: the best American Express credit cards for consumers

American Express offers 2 AIR MILES Credit cards for consumers .

First, the American Express® AIR MILES®* Platinum Credit Card which offers:

  • 3,000 AIR MILES miles after $1,500 in purchases
  • 1 AIR MILES mile per $5 of purchases on food and beverages as well as gas and transportation
  • 1 AIR MILES mile per $10 of purchases on all other purchases

For more information or to apply, please click here!

Next, the American Express® AIR MILES®* Reserve Credit Card which offers:

  • 2,400 AIR MILES miles after $3,000 in purchases
  • an annual companion ticket worth 1,700 miles
  • Automatic AIR MILES ONYX status

For more information or to apply, please click here!

AIR MILES: the best corporate credit card from American Express

It is possible to get a nice welcome bonus by paying for your municipal and school taxes with an AIR MILES credit card for professionals, self-employed workers or small businesses!

We’re talking about the American Express® AIR MILES®* for Business Card.

This card offers 2,000 AIR MILES miles after $5,000 in welcome bonus purchases.

For more information or to apply, please click here!

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Travel Points: the best credit cards from American Express

American Express offers 7 cards with travel points for consumers and self-employed consumers, professionals and small businesses.

All these cards are interesting to pay for your municipal taxes on Plastiq in order to unlock their welcome bonus.

One example is the lowest cost card of all ($99), the American Express Business Edge™ Card, which offers a welcome bonus of up to 42,000 points in the first year.

And if you plan to use Plastiq.com on a regular basis, the best card will be the American Express® Business Gold Rewards Card®. In addition to a very good welcome bonus, this one will allow you to earn 2 Membership Rewards points per dollar on Plastiq.com.

In fact, Plastiq.com is one of the 3 suppliers you can select from in order to earn 2 Membership Rewards points per dollar! In other words, Plastiq’s 2.85% fee is largely offset by this earning rate!

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Hotel points: the best credit cards from American Express

If you prefer to earn many hotel points, American Express offers 2 Marriott Bonvoy credit cards:

Each offers 50,000 welcome bonus points after $1,500 in purchases!

You could pay the first instalment of municipal taxes with one and then the second instalment with the other and earn over 100,000 Marriott Bonvoy points!

HSBC Canada Credit Cards

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