@Lain @SouthFayetteFan
No CIP here, sounds crazy right? DH just dropped to 4/24 in January or maybe December, and since I was still neck deep in SPG biz spend I didn't bother looking into his next card until now.
I remember when I got my SPG biz it wouldn't let me use it to pay Toyota. I never tried doctoring the recipient name, think that would be risky with AMEX? I'm a worrier. My Marriott Visa went through just fine.
I'm thinking that "worst case" scenario would be putting it all through CIP... do you mind checking my math? $15k total is $375 in fees, but would earn 45k points plus the 80k sign up points = 125k UR points, worth $1875 when transferred to one of our CSRs. Did I miss anything?
I could even sit on the last $5k of it until I'd be eligible for a CIP... DH refers me (20k) plus I get bonus points, we'd be at 225k or $3375... It's a 0% loan so no extra costs with that.
You could create a new Recipient and try again with an Amex, but I don't know any way around addressing a payment to "Toyota."
As for the CIP, you shouldn't have problems paying an auto loan with a Visa.
A $15,000 payment would incur $375 in (2.5%) fees using Plastiq.
Plastiq currently earns 3x UR on the entire transaction, so 3x $15,375 = 46,125 UR.
46,125 UR = $461.25 in cash back; or if you transfer all the points to CSR, then 50% more (1.5x) = $691.88 worth in travel redemption.
The 80,000 UR signup bonus is worth $800 in cash back, or $1,200 towards travel if transferred to and redeemed on the CSR.
If DH gets the CIP first, then refers you, that's a 20,000 bonus for him and a 80,000 signup bonus for you. That's another $1,000 cash back or $1,500 in value towards travel on the CSR.
So I have $3,391.88 worth in travel redemption from DH's CIP, his referral of you, your CIP, and paying off $15k in auto loans through Plastiq using CIP.
Since it looks like you're at 6/24 until sometime after June 2018, I'm hoping that Plastiq continues earning 3x UR on CIP until then if you decide to hold back $5k to meet MSR on your CIP.