Turn Your Business Bills Into Credit Card Rewards with Melio's $230 Bonus

If you run a business, you know the struggle of paying vendors who only take checks or ACH. Melio steps in to bridge that gap, letting you use a credit card for nearly any business expense. And right now, new users can snag a $230 bonus just for making their first payment of $500 or more.

Why You'd Want to Pay Bills with a Credit Card

Most business bills—rent, taxes, contractor payments—don't accept plastic. Melio changes that by letting you pay via credit card (for a 2.9% fee) or free ACH. The real draw? Earning points, miles, or cash back on expenses you'd otherwise pay with cash or check.

If you're chasing a big sign-up bonus on a new card, paying the 2.9% fee can be well worth it. For example, spending $5,000 on a card offering 100,000 points could net you far more value than the $145 fee. Plus, you get to hold onto your cash for up to 45 extra days.

How to Grab the $230 Welcome Offer

Getting the bonus is straightforward. You just need to be a new Melio user, sign up through a qualifying link, and complete your first payment of at least $500 using any method (credit card, debit, or ACH). Once that payment goes through, you'll receive a $230 Tango Card via email the following month.

The Tango Card can be swapped for gift cards at dozens of retailers—Amazon, Southwest, Airbnb, Walmart, Best Buy, and many more. Some folks have even reported cashing it out through PayPal, though that's not guaranteed. Just make sure you're a new user and not an accounting firm managing multiple clients, as those accounts are excluded.

What You Can and Can't Pay

Melio works for a wide range of business expenses: rent (to a business landlord), taxes, utilities, SaaS subscriptions, freelancers, inventory, and even loan payments (but not with a credit card). However, there are some important restrictions.

You cannot use Melio for personal bills, payroll (though 1099 contractors are fine), prepaid cards, or balance transfers. Also, American Express cards are only accepted in specific industries like education, government, rent, utilities, and professional services. So check your industry before diving in.

• Allowed: Rent, taxes, utilities, SaaS, freelancers, inventory, donations, employee reimbursements
• Not allowed: Personal payments, payroll, prepaid cards, balance transfers, cash advances
• Amex only works for: Education, government, rent, utilities, membership clubs, professional services, business services, inventory/wholesale, construction/logistics

A Few Things to Watch Out For

The 2.9% fee adds up fast, so only use a credit card when the rewards or bonus outweigh the cost. For everyday spending, stick with free ACH transfers. Also, Melio may ask for business verification documents like a trade license or tax filing, so have those handy.

If you have multiple businesses, you can earn the bonus for each one—just add them under the same login. And remember, the promotion can be changed or ended at any time, so don't sit on it too long.

Bottom Line

• Melio lets you pay business bills with a credit card for a 2.9% fee, or free via ACH.
• New users get a $230 Tango Card after their first $500+ payment.
• Ideal for hitting credit card sign-up bonus spending requirements.
• Not for personal bills, payroll, or prepaid cards—check industry restrictions for Amex.

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