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TPG reader Lawrence is wondering if he can use his Delta Suntrust debit card to pay his taxes and earn one mile per dollar spent. Here was his question:

@thepointsguy: Can I use my Delta suntrust debit cards to pay taxes for my parents/inlaws/brotherinlaw etc? Or only for me? #bigtaxbillscoming”

It’s getting to be that time of the year when the tax man arrives and takes all your money. The good news is, you can use both debit and credit cards to pay your taxes. The bad news is, credit cards will generally charge hefty fees: 2-3% or even higher in some cases to do so. So generally it may be better to use a points-earning debit card to pay them. To give you a comparison, here is the official government list of approved tax payment vendors, and the rates they charge.

Tax season is rapidly approaching!
Tax season is rapidly approaching!

As you can see, although many of these services charge a percentage of your tax bill as a credit card processing fee, if you are using a debit card, you often just pay a flat fee that’s between $2.79 and $3.99, which could make putting your tax bill on your debit card worth it.

The answer to Lawrence’s question is yes, you can use the card to pay for your taxes and you can use it to pay for friends and family members’ taxes as well if you want to. In fact, I used this card to pay my taxes last year and it worked like a charm. The fee I paid was $3.50 per transaction and you can pay up to $35,000 per transaction, which is the per-transaction limit on the Suntrust Delta debit card.

The Delta Suntrust debit card.
The Delta Suntrust debit card.

At that rate, if you maxed out the transaction limit at $35,000, you’d be minting Delta miles at a rate of 1/100th’s of a cent each – not a bad rate to buy miles at!

What I would recommend if you have a big tax bill coming up is to get the card now. At one point there were some great sign-up bonuses, but right now the best one is 5,000 Delta miles after your first qualifying purchase. This way you will have the card ready and presumably your account funded for when the time comes to pay the tax bill. And remember, don’t wait until the last minute to process your taxes or to get the card because you don’t want to take a chance that it won’t come in time or your account won’t be ready for you to pay when the tax deadline occurs.

The same thing goes for quarterly payments for small business owners – the Delta Suntrust debit card is probably the most lucrative card out there to pay those tax bills thanks to that low flat fee, so it could be worth getting if you’re looking to mint miles on your tax bill..

For more information, check out the following posts:

Maximizing The Delta Suntrust Card
Does It Make Sense To Pay Taxes With A Credit Card
Making The Most Out Of Your Taxes

Let me know if you have any other questions by messaging me on FacebookTweeting me or emailing me at info@thepointsguy.com.

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If you are a Delta flyer who is looking to bank some extra miles this card is a great addition for your wallet. While you'll earn 2 miles per dollar on Delta purchases and 1 mile per dollar on everything else, you'll also have access to other perks like priority boarding, a first bag checked free and 20% off in-flight purchases.

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More Things to Know
  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every dollar spent on all other eligible purchases.
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  • Settle in sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR on Purchases
None
Regular APR
16.24%-25.24% Variable
Annual Fee
$0 intro annual fee for the first year, then $95
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.