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The 9 Best Credit Cards for Paying Taxes in 2024 [And When It Makes Sense]

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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The 9 Best Credit Cards for Paying Taxes in 2024 [And When It Makes Sense]

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Ben Franklin reminded us centuries ago that there are only 2 certainties in life. One of them is taxes — we have to pay them.

How often you have to deal with this inevitability depends on your situation. If you have income tax withheld from your paycheck by your employer, you may seldom think of taxes until you file that annual tax return and either receive a refund, break even, or have to pay the IRS an additional amount.

Those who are self-employed, run a business, or anyone paying quarterly estimated income taxes may deal with taxes on a more consistent basis.

There are also property taxes with which to contend. You may have yours deducted when you make your mortgage payment or perhaps you send a check once or twice a year.

Regardless of the type of tax you have to pay, one thing that’s for sure is tax payments fall firmly into a major expense category. And, as usual here at Upgraded Points, we’re thrilled if we can find a way to earn credit card rewards on any major expense.

The fact that you can pay your taxes with a credit card and earn rewards, however, begs the question of whether you should. Does it really make economic sense to do so?

That’s the topic on our agenda today. We’re going to explore the options you have for paying your taxes with a credit card and discuss when you might benefit from actually doing so.

Best Credit Cards for Paying Taxes — Overview

Whether you should pay your taxes with a credit card will depend on whether you’re earning a welcome offer, your potential earnings, and, ultimately on the potential value of those rewards at redemption time.

Before diving into each card, let’s take a look at a comparison of welcome offers, earnings, and our estimated value of rewards on each of our featured cards.

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CardWelcome Offer and Annual Fee
Earnings on Paying TaxesEstimated Rewards Value
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
1 Membership Rewards point per dollar spent2.2 cents each
Hilton Honors American Express Aspire Card
  • Earn 180,000 points after spending $6,000 in eligible purchases within the first 6 months.
  • Annual fee of $550
3 Hilton Honors points per dollar spent0.5 cents each
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
1.5% cash-back2 cents per point when transferred to premium Chase cards
Chase Sapphire Reserve®
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
1 Ultimate Rewards point per dollar spent2 cents each
Chase Sapphire Preferred® Card
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $95
1 Ultimate Rewards point per dollar spent2 cents each
Capital One Venture X Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
2 Capital One miles per dollar spent1.8 cents each
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
2% cash-back per dollar spent (earned as ThankYou Points)1.6 cents each
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
1.5% cash-back2 cents per point when transferred to premium Chase cards
The Business Platinum Card® from American Express
  • Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates & fees)
1 Membership Rewards point per dollar spent2.2 cents each

Why Pay Your Taxes With a Credit Card?

Paying your taxes with a credit card normally involves paying an associated processing fee. For this reason, it only makes sense to pay your taxes with a credit card if you’re receiving value beyond the cost of those fees.

For example, if you’re paying a 2% processing fee to make your $3,000 tax payment, you’ll be paying $60 in fees in addition to the $3,000 payment. If you were to make the payment using a credit card that earns 2% cash-back, you would simply break even and not realize any additional value for making the transaction.

So, when does it make sense to pay your taxes with a credit card? There are several situations — here are a few:

Qualify for a Credit Card Welcome Offer

Welcome bonuses are offered as an incentive by credit card issuers to apply for a particular credit card. These welcome bonuses can be valued at hundreds, even thousands, of dollars.

In order to receive the welcome bonus, however, you must meet minimum spending requirements within a specified period of time, such as 90 days, 6 months, or the first 12 months after card approval. Paying your taxes using your credit card during this time frame could allow you to qualify for the welcome bonus and receive value far beyond the cost of the processing fee.

Earn Rewards

If you have a card that earns 1.5 points per dollar spent and each point is worth 1.5 cents at redemption time, you’re effectively receiving 2.25 cents in ultimate value for every dollar spent on the card.

If you’re charged a 1.87% fee for paying your taxes with that credit card and receive 2.25% in rewards value, you could come out ahead.

Meet Specific Spending Tiers

Many credit cards offer incentives when you reach certain spending thresholds. For example, an airline credit card may offer a companion airfare certificate after reaching certain spending levels, or a hotel-branded card could offer a free hotel night.

If your credit card has one of these spending tiers, the value you receive by reaching it could outweigh any tax payment processing fee.

Bottom Line: Paying your taxes with a credit card only makes sense if you receive value that is greater than the cost of the processing fee.

Delay the Actual Cash Outlay

Perhaps it would be beneficial to avoid paying your taxes on April 15th (or another specified deadline) because you do not yet have the cash available. Depending on your credit card statement cutoff date, making the payment using your credit card could grant you the additional time needed to gather the cash.

Paying a payment processing fee may well be worth the added convenience, especially if you’ll also be earning rewards.

Which Taxes Can Be Paid With a Credit Card?

You can pay nearly every type of tax with a credit card. Here are a few examples:

Federal Income Taxes

Personal

  • Any 1040 owed taxes for the current year, prior years, existing installment agreement payments, or penalties
  • Any 1040-ES estimated taxes

Business

  • Any series 940, 941, 943, 944, 945, 1041, 1065, and 2290 required payments

State and Local Income Taxes

Most states allow you to pay your state and city income taxes with a credit card for a fee.

Property Taxes

Property taxes can normally be paid with a credit card through a service provider, but some jurisdictions take credit card payments directly and charge a fee.

Other Taxes and Payments

It’s possible to pay court fines, tickets, utilities, and other local payments with your credit card. Before using a service provider that charges a fee, however, you might want to contact your local authority or visit their website to see if they take credit cards directly without a fee or for a lower fee than the service providers.

Bottom Line: You can pay your federal, state, and local income taxes, property taxes, and more with a credit card. 

The Best Personal Credit Cards for Paying Your Taxes

Here is just a sampling of cards that could reward you nicely when paying your taxes:

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is a premium travel rewards card loaded with luxury travel benefits and perks that is a must-have for the frequent traveler.

We generally value Membership Rewards points at about 2.2 cents apiece, which means that 100,000 Membership Rewards points are worth ~$2,200. Welcome bonuses vary, so check our table above for the most current welcome offer.

Since taxes are not a specific bonus-earning category, paying with your card will earn 1 Membership Rewards point per dollar spent.

While redeeming points on AmexTravel.com yields a value of just 1 cent per point, using the Amex transfer partners can yield far greater value. Check out some inspiring ways to maximize your Amex points in our guide.

Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership.
180,000 points
$900
$550
20.74% - 29.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros

  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
  • Complimentary Hilton Diamond status
  • Up to $400 in annual statement credits on purchases with participating Hilton Resorts (up to $200 in statement credits semi-annually)
  • Up to $200 back annually on eligible flight purchases (up to $50 in statement credits each quarter)
  • 1 Free Weekend Night Award each cardmember anniversary
  • $100 credit at Waldorf Astoria and Conrad properties

Cons

  • High annual fee of $550
  • Earn 180,000 Hilton Honors Bonus Points with the Hilton Aspire card from American Express after you use your new card to make $6,000 in eligible purchases within the first 6 months of card membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your card.
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $550 annual fee.

Financial Snapshot

  • APR: 20.74% - 29.74% Variable
  • Foreign Transaction Fees: None

Card Categories

In addition to great benefits, the Hilton Aspire card will earn 3 Hilton Honors points for each dollar spent paying your taxes.

The welcome bonus varies, but you could receive up to 180,000 Hilton Honors points after meeting minimum spending requirements in the first 6 months after card approval. Check out our card table above for the most current welcome bonus.

The card comes with a Free Night Reward each card anniversary year and up to 2 additional free night awards after spending $30,000 and $60,000 in a calendar year.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Travel
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card will earn 1.5 Ultimate Rewards points per dollar spent on your taxes.

If you have a premium Chase Ultimate Rewards-earning card such as the Chase Sapphire Reserve card, you can transfer your Freedom Unlimited card points to that card and receive 1.5 cents in value per point when redeeming for travel. This results in a 2.25% return, which can exceed a tax payment processing fee.

You can receive potentially more value when transferring Ultimate Rewards points on either the Chase Sapphire Preferred card or Chase Sapphire Reserve card to the Chase transfer partners.

You’ll also receive a modest welcome bonus after approval and meeting (also modest) minimum spending requirements.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.
60,000 points
$1,200
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked through Chase TravelSM
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis

Cons

  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Additionally, the Chase Sapphire Reserve card and the Freedom Unlimited card make a nice pairing. While the Chase Sapphire Reserve card earns just 1 Ultimate Rewards point per dollar spent on taxes, the Freedom Unlimited card earns 1.5 points per dollar spent.

You can use your Freedom Unlimited card to pay your taxes, and then transfer the points to your Chase Sapphire Reserve card to redeem for 1.5 cents in value per point or greater when using travel transfer partners.

Hot Tip: Learn more about redeeming Ultimate Rewards points for maximum value in our complete guide.

Chase Sapphire Preferred® Card

POPULAR FIRST CARD
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Travel portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Aside from the welcome bonus, the Chase Sapphire Preferred card earns just 1 point per dollar spent on taxes. You can redeem your points for 1.25 cents each on the Chase travel portal but you may still not receive value beyond the cost of the processing fees.

You could receive greater potential value when transferring your Ultimate Rewards points to airline and hotel partners.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

 

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

When a premium credit card earns 2x miles per dollar spent on every purchase, you stand up, pay attention, and consider that card for paying your taxes.

Paying your taxes with the Capital One Venture X card to earn the generous welcome bonus may give you the most value for the expense.

We estimate Capital One miles to be worth approximately 1.8 cents each, however, so it’s possible to come out ahead when paying your taxes with the card, especially if you consider transferring rewards to airline partners where even greater value is possible.

Citi Double Cash® Card

Citi Double Cash® Card

Citi Double Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

Financial Snapshot

  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

Earning 2% cash-back — 1% when you spend and an additional 1% when you pay off your balance (earned as ThankYou Points) — makes the Double Cash card a strong contender for paying your taxes.

You can convert your points to cash-back, use them in the Citi Travel Portal, or transfer them to select partners.

Bottom Line: To determine whether you should use a credit card to pay your taxes, first calculate the associated fee you’ll have to pay. Then, determine the value of the rewards you will earn and compare the figures. When calculating the value of the rewards, consider how many rewards points you earn per dollar spent and the potential value of each reward based on your redemption preference. 

The Best Business Cards for Paying Your Taxes

Any business credit card will work to pay your taxes if it results in you earning more than the cost of the processing fee.

Here are just 2 examples of some of the best cards for making those payments:

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Thanks to the Ink Business Unlimited card‘s straightforward earning structure, you’ll earn 1.5% cash-back; without an annual fee. Similar to the Freedom Unlimited card, Ultimate Rewards points can be transferred to premium Ultimate Rewards-earning cards and redeemed for up to 50% more value.

The Business Platinum Card® from American Express

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
US$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is always a good card to consider, especially if you’re making large payments. This card earns 1.5x points for each eligible purchase of $5,000 or more and every dollar spent on eligible U.S. purchases in select business categories. Note that your 1.5x earning is up to $2 million of purchases per calendar year. So if you’re going to have a larger tax payment, this card earns an easy 1.5x.

Hot Tip: As a business, the processing fees you pay to the service provider may be deductible as a business expense. Ask your tax professional for more information and to find out if your business qualifies. 

How To Pay Income Taxes With Your Credit Card

Federal Taxes

The IRS does not take credit cards for direct payment of your taxes. It does, however, issue a list of authorized vendors that will facilitate your federal tax payments and assure that these payments are deposited with the IRS.

These approved service providers accept most credit and debit cards and digital wallet payments, but they also charge a payment processing fee.

To pay your federal taxes with a credit card, you simply visit the site of your choice, select the type of payment (personal or business) you want to make, then the category (1040, 1040-ES, etc.), and finally the type of card you wish to use.

You’ll be asked for your Social Security number and additional information. Once your payment is submitted, you’ll receive immediate confirmation for your records.

Federal tax payments are limited to 2 payments per quarter, per vendor.

State and Local Taxes

You can pay your personal state income taxes, business taxes, or local income taxes online, or if you prefer, over the phone. Mastercard has published a helpful list of approved payment service providers for each state. You do not need to use a Mastercard to pay with these providers.

Additionally, you can pay your taxes via a payment service such as Plastiq. Service fees can be as much as 2.85%, but there are opportunities to earn no additional fee transactions.

Bottom Line: Visiting the website of the entity you’re trying to pay, reviewing the actual invoice (property taxes), or calling directly can yield more information on how to pay a particular tax or payment obligation with a credit card.

Final Thoughts

When it comes to paying taxes with your credit card, there’s quite a bit of math involved. You’ll need to determine if the value you receive by doing so exceeds the cost of the processing fees.

Qualifying for a credit card welcome offer is a valid reason for paying your taxes with a credit card. You can also come out ahead when earning rewards that have a value exceeding the fees.

Another important aspect of paying your taxes with a credit card is that you must pay off the card statement balance in full in order to reap any benefit from the transaction. Interest rate charges negate the value of any rewards received.

Nearly any credit card can be used to pay your taxes, but the best card for paying your taxes is the one that delivers the highest value beyond the cost of the processing fees

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

Can I pay my taxes with a credit card?

While you can’t pay the IRS directly with a credit card, you can pay an IRS-authorized vendor with your credit card and the income tax payment will be forwarded to the IRS.

You can also use a payment service such as Plastiq to pay certain taxes. The service will send a check to the tax authority, whether it’s federal, state, or local.

Many local governments also allow you to pay city and property taxes via an approved vendor for a fee.

Whether it’s economically beneficial to pay your taxes with a credit card will depend on if you receive value beyond the amount of any fees paid.

Which is the best credit card for paying taxes?

The best credit card for paying taxes is the one that results in greater value received than what you paid out in processing fees.

For example, if a credit card has a large welcome bonus, you may be able to meet the minimum spending required to earn that welcome bonus while paying your taxes. If you value the welcome bonus as being greater than the processing fees you paid, it may be a good card to use.

You’ll want to compare several different credit cards, however, to determine which offers the greatest value for your tax payment.

How much does the IRS charge to pay taxes with a credit card?

The IRS does not accept credit cards directly — you must use an approved vendor to facilitate your payment.

There are 3 approved IRS vendors and their fees range from a $2 flat fee for debit cards to a 1.99% fee for using a credit card or digital payment.

The fees charged by the vendor are not forwarded to the IRS.

Will the credit card process my tax payment as a cash advance?

No, your payment will be processed as a purchase and not as a cash advance.

When can I pay my taxes with a credit card?

You can make a maximum of 2 payments per quarter, per authorized vendor, for federal taxes.

The vendor will disclose any limitations prior to you submitting a payment and you can plan your strategy accordingly.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.

Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.

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