Archives for May 28, 2018

Republic Wireless Review: New Phone + 3 Months Service $89 or Free SIM + Free 1st Month

rw2018freesimUpdated 2018. Republic Wireless is a T-Mobile MVNO that reduces costs by using WiFi for calls and texts whenever possible. They have settled into the simple pricing structure below, with no contracts.

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The best value plans allow a single user to pay $20/month for unlimited talk/text/1 GB LTE and $25/month for unlimited talk/text/2 GB LTE. The nice thing about these pay-for-what-you-use plans is that you save money on the months where you use very little data, as opposed to always buying the plan where you know you won’t pay for overages.

Buy new phone, get 3 free months of service (phones start at $89). Get 3 free months of service if you buy a new phone and activate a new line. This is with the Unlimited Talk/Text + 1 GB Data plan, so that’s $20 x 3 = $60 value for free. New phones start at only $89 for the Alcatel A30 Android phone. Moto E is $129.

Bring your own phone + Free SIM card + 1 free month of service. Right now, they are offering a Free SIM card + Free Shipping + Free 1st Month of Service. This is with the Unlimited Talk/Text + 1 GB Data plan ($20 value). If you use more data, you pay the difference. Taxes and telecom fees are not included. The idea is that you can swap out the SIM card in your phone and try them out with no obligation. You must activate by 6/30/18.

Phone options. You can either buy a phone from them or bring your GSM unlocked phone and use their SIM card. There are still no Apple phones on the list. Below is a partial list of eligible phones. The best thing to do is use their phone checker.

  • Google Pixel
  • Google Pixel XL
  • Google Pixel 2
  • Google Pixel 2 XL
  • Samsung Galaxy S8
  • Samsung Galaxy S9
  • Samsung Galaxy J7
  • Samsung Galaxy S7 Edge
  • Samsung Galaxy S7
  • Samsung Galaxy J3
  • Samsung Galaxy S6
  • Nexus 6P by Huawei
  • Nexus 6 by Motorola
  • Nexus 5X by LG
  • Moto X Pure Edition
  • Moto X4
  • Moto G5S Plus
  • Moto G5 Plus
  • Moto E4
  • Moto E4 Plus
  • Moto G4
  • Moto G4 Plus
  • Moto G4 Play
  • Moto Z
  • Moto Z Play

Bottom line. Republic Wireless now allows you to bring your own unlocked GSM phone for use on WiFi and T-Mobile LTE networks. Right now, they are offering a free SIM + free month of service to try them out for free. Apple phones are not eligible. The cost is straightforward: $15 for unlimited talk/text and $5 per GB of data used, making it best for modest data users.

If you are willing to buy several months of service at once (or have an Apple phone), also check out Mint Mobile (formerly MintSIM).

Plastiq Promotion: Pay Bills w/ No Fee with Masterpass ($250 Max Per Bill)

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New promo. Plastiq has a new promotion where you can pay a bill using a Mastercard in Masterpass with no fee. Expires 9/30/18. Thanks to readers Jon and Bill. Here are the restrictions and details:

From now until September 30, 2018, we will waive the Plastiq fee when you use Mastercard in Masterpass for the payment. This promotion applies to any bills or invoices up to a maximum of $250 each.

To qualify for this promotion, you must:

Use a Mastercard in Masterpass for the payments (read here on how to add a Mastercard in Masterpass to your Plastiq account).
Submit or schedule payments between June 1, 2018 12:00 a.m. ET and September 30, 2018 11:59 p.m. ET.
The payments’ delivery date must be before or on September 30, 2018.
There is no minimum or maximum amount required for the transaction.
If the amount is over $250, you will incur a Plastiq fee on the remaining amount over $250.
If you have signed up with a referral code, you will need to hit the required minimum of $500 in successful payments and receive the fee-free dollar credit in order to be eligible for this promotion.

To clarify, there is a $250 limit per payment, but no limit on the number of payments. You could split up a larger bill into $250 increments if the payee accepts that. You could convert a mortgage, home equity loan, student loan, tuition, or property tax payment into a credit card payment that earns rewards or fulfill a sign-up bonus. For example, with the Citi Double Cash Card, the 2% cash back means every $5,000 in purchases could earn $100 cash back.

Original post:

Plastiq.com lets you pay bills and invoices with a credit or debit card, even if they don’t usually accept them. The standard service fee is 2.5% for credit cards and 1% for Visa and MasterCard debit cards. However, they run limited-time promotion with lower fees. They will charge your card and send out a paper check to the payee (direct bank transfers to a few), so you’d want to plan ahead for any snail mail delays. They recommend 10 business days to be safe. More ideas from their site:

  • Rent or Mortgage
  • Homeowners Association (HOA) dues
  • Tuition
  • Childcare costs
  • Buying a car, RV, or ATV
  • Income or business taxes

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(Note: This was only an example given during a 1.5% fee promotion. The current fee may be higher or lower.) Why would I want to pay a 1.5% service fee?

Sign-up bonus spending requirements. Sign-up bonuses often having spending requirements. For example, you might get a $500 value bonus but need to spend $5,000. Well, that’s effectively 10% back so if you need a little help to get over that hurdle, it’s okay to pay a 1.5% fee. Here are some recent cards with big $500 value bonuses but also spending requirements:

2% cash back credit cards, or similar. If you have a rewards credit card that offers 2% cash back (or equivalent value in points), then you can still make a slight profit by putting them on your credit card. A simple example is the Citi Double Cash Card. For example, if you have a tuition bill or tax bill of $5,000 and you earned 2% cash back while paying a 1.5% fee, your net 0.5% is $25.

Combine a rewards card + 0% APR on purchases. Many credit cards offer 0% APR on purchases for an introductory period of 12 months or longer. If the card also has a half-decent rewards program on purchases, the combination of purchase rewards and spreading out the payments over a year at no interest could be attractive.

Referral program. Plastiq has a somewhat confusing referral program. If a new user signs up via a referral link and pays $500 worth of bills, they will then get $500 “fee-free dollars”. So first you’d have to pay the fee on a bill, and then on your next bill, $500 of it will be “fee-free” (at 2.5% that’s a $12.50 savings). The referrer will get $1,000 in fee-free dollars. If you take advantage of the promo above, that should trigger the bonus. Here’s my referral link. Thanks if you use it.

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