Paying your municipal taxes with a credit card is possible!

Updated May 31, 2024
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand

Alexandrine Bertrand

Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
All posts by Alexandrine Bertrand
Plastiq-Paysimply-2400×1260
To the point Here's how to pay your municipal taxes with a credit card. There is a cost, but here are our tips for earn points along the way.

Foreword

Municipal and school taxes represent a significant expense for a homeowner each year. For points users, it’s an opportunity to go and unlock welcome bonuses thanks to these spendings.

As always, only use these methods:

  • if you are able to pay your credit card balance in fullby the due date (otherwise the interest charged will eat up all the bonus you earned)
  • if you consider the fees generated vs. the rewards collected: if your card only accumulates 1% and offers no welcome bonus, there is no need to pay a 2% or 2.9% fee. In this case, the two solutions proposed below will not bring you any benefit.

This article explains the two main online services that allow you to pay a bill such as municipal taxes with a credit card .

You can also analyze the best credit cards for paying municipal taxes by program (AIR MILES, Membership Rewards, Cash Back).

Pay your municipal taxes with Plastiq

Would you like to use a Visa or Mastercard credit card to pay your municipal or school taxes? No problem. Plastiq.com offers you this possibility. By the way, we have written a detailed article on Plastiq.

The fees charged by Plastiq vary depending on the card used. Generally, it is 2.9% for all Visa and Mastercard payments.

Plastiq paiement taxes entreprises particulier impots imposition revenues

Paying your city taxes on Plastiq.com with a Mastercard or Visa card is also a good way to unlock the welcome bonus !

For example, the RBC Avion Visa Infinite Card requires you to spend a certain amount within the first six months to unlock the generous welcome bonus.

If you don’t have card yet, now is the time to get one so you can pay your municipal taxes on time!

Pay your municipal taxes with PaySimply

We have written an article that describes how PaySimply works.

PaySimply is very secure and has been approved by the Canada Revenue Agency, among others (just like Plastiq). For Visa, Mastercard and American Express credit cards, the fee is 2.5% of the total bill.

For example, the TD First Class Travel® Visa Infinite* Card offers 2 points per dollar on every transaction. Right now, the welcome bonus is 135,000 points if you spend $5,000 within 180 days of opening. What’s more, the card is free for the first year.

So when you sign up for the TD First Class Travel® Visa Infinite* Card and pay $5,000 in municipal taxes via PaySimply with this new card, you’ll get:

You’ll receive several hundred dollars net as a “gift”, which puts the 2.5% fee paid via PaySimply for this transaction ($125) into perspective.

PaySimply Taxes

Of course, it will always be more profitable to spend this $3,000 in 3 months through other purchases – like at Costco, for example – but if paying municipal taxes can help you, why not?

Here are some other interesting Mastercard and American Express cards to use on PaySimply:

Use our credit card comparator to find the Mastercard or American Express card that’s right for you!

Bottom Line

Why not take advantage of the opportunity to earn points on your municipal tax payments when solutions exist?

Please note that Paysimply or Plastiq purchases charged to a BMO Rewards card do not earn rewards points. For example, with the BMO Ascend® World Elite®*Mastercard®*, you can pay your bill via PaySimply with this card.

However, this expense will not count as an eligible expense for a welcome offer or earn BMO Rewards points.

This article explains the two main online services that allow you to pay a bill such as municipal taxes with a credit card .

You can also analyze the best credit cards for paying municipal taxes by program (AIR MILES, Membership Rewards, Cash Back).

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine

Jean-Maximilien Voisine

Jean-Maximilien Voisine
Jean-Maximilien, President and Founder of Milesopedia, is a recognized expert in rewards programs, credit cards, and travel in Canada and France. Approaching forty and a father of two, he has travelled to over 100 countries, half of them with his children and his wife, Audrey. Specializing in top loyalty programs like Aeroplan, American Express Membership Rewards, and Marriott Bonvoy, he guides travellers to maximize their benefits across North America and Europe.
All posts by Jean-Maximilien Voisine

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