Plastiq No Longer Accepts American Express Credit Cards For Payments

Change effective as of February 10, 2023.
creditcardGenius Team
updated on Feb 16, 2023
Fact Checked
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Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team.

If you want to pay your bills with a credit card, one of the best payment services is Plastiq.

However, a change just recently landed you’ll want to be aware of.

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Plastiq no longer accepting American Express credit cards

American Express cards can no longer be used when paying bills through Plastiq.

Oddly enough, you can still add an Amex card to your Plastiq wallet without any issues.

However, when you go and try to make a payment with it, you’ll get this error message.

Plastiq payment with an American Express card

You can see the Plastiq American Express card policy here, but not much is said, other than you can use Visa, Mastercard, or Discover cards instead. They know and acknowledge it’s not going to be a popular decision.

Plastiq American Express card policy

If you want to continue using Plastiq for bill payments, you’ll have to stick to Visa and Mastercard.

Top Visa and Mastercards to pay bills with Plastiq

Looking to use Plastiq to pay bills? Ideally, you’ll want a credit card that offers a high return everywhere you shop, as Plastiq won’t fall under any traditional credit card category.

Here are a handful of various credit cards you can look at.

Sort cards by:
Genius Rating
Annual Fee
Welcome Bonus
Reward Value
4.3 Genius Rating
2.0 (79) User reviews
award seal ×1 Award winner

55,000 points + Up to 2.33% return on purchases.*

Annual fee
$120.00
Learn more
Welcome bonus
$1,402
55k points + $120
Annual rewards
$566
Offer Ends: Nov 25, 2025
RBC Avion Visa Infinite
Instant approval: Yes
Credit estimate:
RBC Avion Visa Infinite
4.3 Genius Rating
2.0 (79) User reviews
award seal 1x Award winner

55,000 points + Up to 2.33% return on purchases.*

Annual fee
$120.00
Learn more
Welcome bonus
$1,402
55k points + $120
Annual rewards
$566
Offer Ends:
Nov 25, 2025
Credit estimate:
 (660 - 724)
Instant approval: Yes
3.6 Genius Rating
2.5 (62) User reviews
Annual fee
$119.00
Learn more
Welcome bonus
$820
70k points + $120
Annual rewards
$366
Offer Ends: Feb 4, 2026
WestJet RBC World Elite Mastercard
3.6 Genius Rating
2.5 (62) User reviews
Annual fee
$119.00
Learn more
Welcome bonus
$820
70k points + $120
Annual rewards
$366
Offer Ends:
Feb 4, 2026
Credit estimate:
 (760 - 900)
Instant approval: Yes
3.2 Genius Rating
3.9 (8) User reviews

Earn 1.5% cash back on all purchases + Standard RBC benefits.*

Annual fee
$99.00
Learn more
Welcome bonus
$120
Learn more
Annual rewards
$360
Learn more
RBC Cash Back Preferred World Elite Mastercard
Instant approval: Yes
Credit estimate:
RBC Cash Back Preferred World Elite Mastercard
3.2 Genius Rating
3.9 (8) User reviews

Earn 1.5% cash back on all purchases + Standard RBC benefits.*

Annual fee
$99.00
Learn more
Welcome bonus
$120
Learn more
Annual rewards
$360
Learn more
Credit estimate:
 (660 - 724)
Instant approval: Yes
2.9 Genius Rating
2.6 (27) User reviews
Annual fee
$89.00
Learn more
Welcome bonus
$0
Learn more
Annual rewards
$312
Learn more
Brim World Elite Mastercard
2.9 Genius Rating
2.6 (27) User reviews
Annual fee
$89.00
Learn more
Welcome bonus
$0
Learn more
Annual rewards
$312
Learn more
Credit estimate:
 (760 - 900)
Instant approval: No
2.7 Genius Rating
2.0 (84) User reviews
Annual fee
$0.00
Learn more
Welcome bonus
$0
Learn more
Annual rewards
$198
Learn more
Brim Mastercard
2.7 Genius Rating
2.0 (84) User reviews
Annual fee
$0.00
Learn more
Welcome bonus
$0
Learn more
Annual rewards
$198
Learn more
Credit estimate:
 (760 - 900)
Instant approval: No

For personalized results, we recommend using our compare credit cards page, and setting more of your spending to the “other” category.

And to see our top rated Visa and Mastercards, you can see Visa here and Mastercard here.

Your thoughts on Plastiq

It certainly isn’t something we wanted to hear, but if you do use an Amex, you’ll have to start using another card.

Do you use Plastiq?

What’s your favourite card to use?

Let us know in the comments below.

creditcardGenius is the only tool that compares 126+ features of 226 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 226 cards is for you.

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Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 226 Canadian credit cards.

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Showing 1 comments

Greg Bloomquist
Greg Bloomquist
February 16, 2023
I DID use Plastiq precisely BECAUSE I could use Amex. If I can no longer use Amex, I will no longer use Plastiq. Their loss.
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