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How I Earned 75,000 Points Just by Paying My Taxes With the Right Card

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Ehsan Haque
Updated: 
Edited by: Michael Y. Park
& Stella Shon
How I Earned 75,000 Points Just by Paying My Taxes With the Right Card
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Paying taxes is never a pleasant experience, but it can also be a unique opportunity to earn tons of points and miles. Although most people pay taxes only once annually before April 15, self-employed individuals like me are required to make quarterly estimated tax payments.

These dates are set in stone, so I know exactly when I need to make the IRS payment. My strategy? Apply for a new credit card to coincide with tax payment deadlines and earn welcome offers.

Over the years, I have strategically applied for more than 10 credit cards to pay my taxes. This, in turn, has given me hundreds of thousands of points, which I have redeemed for business class flights around the world.

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Should You Pay Taxes With a Credit Card?

If you’re looking to pay taxes with a credit card, you are most likely looking to accumulate rewards for the payment, which makes complete sense. Fortunately, you can pay almost every type of tax with a credit card, including federal income tax.

However, you’ll want to use the right rewards card and be mindful of the additional fees.

Compare Rewards vs. Fees

Generally speaking, the only time you should ever consider paying your taxes with a credit card is if the value of the rewards you’d earn outweigh the cost of the additional fees.

Fortunately, paying taxes with a credit card recently got much cheaper. Although the IRS has partnered with several payment processors in the past, there are 2 processor options in 2026: ACI Payments, Inc. and Pay1040.

Amex Platinum Card Orange Wallet Upgraded Points LLC 1 Large
It’s essential to consider the costs associated with paying taxes with a credit card. Image Credit: Upgraded Points LLC

If you pay your upcoming tax bill with a credit card via ACI Payments, Inc., you incur a fee of 1.85%. Meanwhile, you will incur a 1.75% fee if paying through Pay1040.

If you have a card that earns at least 2% cash-back or any rewards card that earns 2 points or miles per $1, you’d come out ahead by paying your taxes with that credit card. Fortunately, there are several travel rewards cards you can use that offer at least this much value.

Hot Tip:

Note that Pay1040 charges significantly higher fees on business cards and all American Express cards.

Meet a Minimum Spending Requirement

Another great option for paying your taxes with a credit card, despite the additional fees, is when you are meeting the minimum spending requirement for a new welcome offer on a credit card.

In recent years, credit card welcome offers have grown larger. However, the spending requirements to receive these welcome bonuses have also increased.

Paying taxes with a credit card can be an excellent way to meet spending thresholds that cardholders often struggle to meet. Nowadays, it is not uncommon to have spending requirements of $10,000 (or more) within a 3- to 6-month period.

» Related: The 20 Best Credit Card Welcome Bonus Offers in February 2026

Keep Finances Separated

When managing finances, it’s important to keep personal and business expenses clearly separated. This is also true when it comes to paying taxes.

Personal taxes should be paid with a personal card to ensure accurate tracking of individual finances and avoid mixing funds. Similarly, business taxes should always be paid with a business card, as this keeps accounting records clean, supports proper bookkeeping, and simplifies reporting and audits.

Best Cards for Paying Taxes

1. Capital One Venture X Rewards Credit Card

The Capital One Venture X card is a premium travel rewards card with a massive welcome offer and numerous travel benefits, including lounge access and a $300 annual travel credit for bookings made through Capital One Travel.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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
Purchases: 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 card application.
Excellent
Why We Like This Card

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 & Cons

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights and vacation rentals 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 access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • No foreign transaction fees

Cons

  • $395 annual fee
  • 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
Card Highlights
  • 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 and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • 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
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Top rated mobile app

Financial Snapshot

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

Card Categories

Rewards Center

Capital One Miles

 

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With 2x miles on all nonbonus category purchases, it makes complete sense to use the Capital One Venture X card to pay your personal taxes, considering the fee to do so is lower than the potential rewards earned.

We value Capital One miles at 1.8 cents per mile, so you’d be looking at approximately a 3.6% return on your personal tax payments.

2. Capital One Venture X Business Card

If you’re a business owner, the Capital One Venture X card’s business counterpart is a great choice. The Capital One Venture X Business card offers similar benefits, but most importantly, unlimited 2x miles on all other purchases.

Capital One Venture X Business Card
Capital One Venture X Business Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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 Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Capital One Venture X Business Card
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
150,000 miles
Up to $2,700
$395
This is a pay-in-full card, so your balance is due in full every month.
Why We Like This Card

The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros & Cons
Pros
  • 10x miles per dollar on hotels and rental cars purchased through Capital One Business Travel
  • 5x miles per dollar on flights and vacation rentals purchased through Capital One Business Travel
  • 2x miles per dollar on all other purchases
Cons
  • $395 annual fee
  • 10x and 5x bonus categories are limited to Capital One Business Travel
Read Full Review
Card Highlights
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
  • Top rated mobile app
Financial Snapshot
  • APR: This is a pay-in-full card, so your balance is due in full every month.
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

As with the Capital One Venture X card, paying your taxes with the Capital One Venture X Business card presents a solid opportunity, given the ~3.6% return on rewards value by utilizing the issuer’s transfer partners.

3. The Business Platinum Card® from American Express

The Amex Business Platinum card is another premium travel rewards card, best suited for business owners with high spending and frequent travel needs. It comes with numerous perks and benefits (some require prior enrollment) and earns highly valuable American Express Membership Rewards points.

ELEVATED WELCOME OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Apply Now(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 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 200,000 points
Up to $4,400
$895
17.74% - 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 card application.
Good to Excellent
Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons
Pros
  • Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
  • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Cons
  • High annual fee of $895 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
Read Full Review
Card Highlights
  • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
  • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • $895 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 17.74% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

It earns 2 points on eligible purchases of $5,000 or more (up to $2 million in purchases per calendar year). This elevated rewards rate makes the Amex Business Platinum card a solid option, especially if you’re a business owner with a larger tax payment of over $5,000.

We value American Express Membership Rewards points at 2.2 cents each when redeemed through its extensive roster of transfer partners, effectively boosting your return to about 4.4% in rewards value.

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 200,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

4. Chase Sapphire Preferred® Card (My Choice)

I have all 3 of the cards mentioned above, so any of them would have been a viable option. This year, however, I chose to pay my taxes with a different card.

With Chase recently clarifying its rules around welcome bonus eligibility on its Sapphire cards, I thought it would be an excellent opportunity to earn a new bonus offer on the Chase Sapphire Preferred card:

  • Earn 60,000 75,000 points after spending $5,000 on purchases in the first 3 months.
NEW OFFER
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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 great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)
Chase Sapphire Preferred® Card
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 75,000 points
$1,500
$95
19.24% - 27.49% 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 card application.
Good to Excellent
Why We Like This Card

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 & Cons
Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
Read Full Review
Card Highlights
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 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
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
Financial Snapshot
  • APR: 19.24% - 27.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

We value Chase Ultimate Rewards points at 2 cents apiece, thanks to their flexibility and strong transfer partners. This means that the 75,000-point welcome offer is worth at least $1,500. I had no trouble meeting the minimum spending requirement, as my IRS tax bill exceeded $5,000.

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Final Thoughts

Would you pay ~$100 in fees to earn a huge sum of 75,000 bonus points at once? I did, since the rewards were worth nearly 15 times the fee.

In many cases, paying your taxes with a credit card can be a smart move, even with the extra fees involved. Plenty of outstanding rewards cards let you pay your taxes while earning points and miles that are worth significantly more than the fees you’d pay.

Featured Image Credit: mungkornz via Adobe Stock, modified by Upgraded Points LLC
Ehsan Haque's image

About Ehsan Haque

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

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Platinum Card® from American ExpressTerms Apply / Rates & Fees

Platinum Card® from American Express

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Platinum Card® from American Express

Welcome Offer: As High As 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
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  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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