Ended up just using BoA PRE (2.62% (x1.25 if stars align) at 1.75% cost) and (mostly) Paypal master card (3% at 1.85% cost (from ACI. Pay1040 would have cost 2.89%)). I would have done all Paypal mastercard but would have needed to credit-cycle which I was unsure whether that was advised against for Synchrony card. (*cries in usb smartly-denied*)
Decided NOT to meet SUBs with fed taxes since that Paypal MC had a category-like advantage here. Meeting SUBs on other spend that have even playing fields - like state taxes and property taxes.
Haha USB smartly I guess we’ll see how people do it this year. It makes me so cautious bc they been kinda strict from what I see. Maybe ppl already have tried 🤔 I havent looked yet.
The paypal card tip here is so interesting Ill need to look into that one. 🔥. I think synchrony once-cycle is fine. I think it just advised against citi / synchrony to do it multiple times. But seems like you got a good method with the BoA and paypal
A Kasheesh data point: I had a fed tax payment using Kasheesh rejected today. I emailed their support to ask about limits and they wrote:
```
Please take a moment to review your account's key spending parameters:
1) Daily Spending Limit: A maximum of $15,000 can be transacted across all your linked cards each day.
2) Linked Card Limits: You may link up to 5 cards to your Kasheesh account. • Each linked card has a daily spending cap of $3,000.
3) Transaction-Specific Limits:
a) Utility Transactions: $1,000 per transaction.
b) Retail Transactions: Fall under the overall $15,000 daily limit.
c) Wholesale Transactions: $5000 per transaction
d) Tax Payment Transactions: $5000 per transaction (Suggestion is maximum of $4500 to ensure the transaction fee and $2.50 Service Fee goes through without issue).
4) Plaid-Connected Accounts: For cards connected via Plaid, the $3,000 per-card limit is lifted. Your spending limit aligns with your actual credit limit on each connected card. The overall $15,000 daily limit remains in effect as an additional security measure.
These carefully structured limits are in place to safeguard your financial activities and maintain the integrity of our platform. They reflect our commitment to providing you with a secure, reliable, and efficient service.
```
At least (3d) seems to be new. I did a $14,900.00 tax payment in Sept 2024.
Ended up just using BoA PRE (2.62% (x1.25 if stars align) at 1.75% cost) and (mostly) Paypal master card (3% at 1.85% cost (from ACI. Pay1040 would have cost 2.89%)). I would have done all Paypal mastercard but would have needed to credit-cycle which I was unsure whether that was advised against for Synchrony card. (*cries in usb smartly-denied*)
Decided NOT to meet SUBs with fed taxes since that Paypal MC had a category-like advantage here. Meeting SUBs on other spend that have even playing fields - like state taxes and property taxes.
Haha USB smartly I guess we’ll see how people do it this year. It makes me so cautious bc they been kinda strict from what I see. Maybe ppl already have tried 🤔 I havent looked yet.
The paypal card tip here is so interesting Ill need to look into that one. 🔥. I think synchrony once-cycle is fine. I think it just advised against citi / synchrony to do it multiple times. But seems like you got a good method with the BoA and paypal
A Kasheesh data point: I had a fed tax payment using Kasheesh rejected today. I emailed their support to ask about limits and they wrote:
```
Please take a moment to review your account's key spending parameters:
1) Daily Spending Limit: A maximum of $15,000 can be transacted across all your linked cards each day.
2) Linked Card Limits: You may link up to 5 cards to your Kasheesh account. • Each linked card has a daily spending cap of $3,000.
3) Transaction-Specific Limits:
a) Utility Transactions: $1,000 per transaction.
b) Retail Transactions: Fall under the overall $15,000 daily limit.
c) Wholesale Transactions: $5000 per transaction
d) Tax Payment Transactions: $5000 per transaction (Suggestion is maximum of $4500 to ensure the transaction fee and $2.50 Service Fee goes through without issue).
4) Plaid-Connected Accounts: For cards connected via Plaid, the $3,000 per-card limit is lifted. Your spending limit aligns with your actual credit limit on each connected card. The overall $15,000 daily limit remains in effect as an additional security measure.
These carefully structured limits are in place to safeguard your financial activities and maintain the integrity of our platform. They reflect our commitment to providing you with a secure, reliable, and efficient service.
```
At least (3d) seems to be new. I did a $14,900.00 tax payment in Sept 2024.
awesome! thanks for sharing this dp!