Filing tax returns can be expensive. Some popular tax software programs cost more than $50 to file federal returns, plus additional state tax filing fees. But your credit card can help you save $20 or more in tax filing fees this year.
If you have a relatively simple tax return, you can save money by using online tax preparation software. You may be able to save even more thanks to credit card and other tax refunds available this tax season.
To help you get the best deal on tax software fees, we reached out to several credit card issuers and online savings aggregators to compile a list of currently available deals. Here’s what we found and what you need to know before signing up.
This page will be updated if these offers change or more issuers respond.
What You Should Know About Tax Savings
If you’re looking to save on taxes with a credit card or online savings offer, there are a few rules to keep in mind. Since these are usually targeted offers, these offers can vary by issuer and even account. They may vary based on your specific card, spending habits and other factors.
You may need to sign up for the offer through your account and may even need to click through the portal to make a purchase. For example, you can opt-in to Amex offers by logging into the mobile app and linking your qualifying card. However, some Citi offers require you to click through your card account to the affiliate website where the offer is located.
Another factor to consider is the expiration date of available offers. While this year’s tax day is April 18, some offers may only be available until March, which means you’ll need to file your tax return early to qualify for the savings. Due to expected processing delays, the IRS recommends filing your tax return earlier this year.
Here’s a rundown of every tax preparation software product we’ve seen so far, along with some expert tips on how to save on tax preparation this year.
Credit card issuers offering tax software products
American Express
American Express cardholders can save on three popular tax software programs this season. First, you can earn 5 Membership Rewards® points for every $1 you spend when filing through TaxAct. You can earn up to 2,000 points, and this offer expires on June 30, 2022. Purchases made with TaxAct may also be eligible for a 30% refund, up to $60 for purchases made before April 18, 2022.
If you submit with TurboTax, you can get a $10 discount when you spend $50 or more, and a $20 discount when you spend $90 or more. These offers will expire on April 18, 2022.
Finally, save $10 on purchases of $30 or more on H&R Block Tax Prep. This offer will expire on April 30, 2022.
Bank of America
Get $5 off TurboTax purchases of $35 or more with your Bank of America card. You may also qualify for immediate savings of up to $10 on select TurboTax software – $5 off TurboTax Deluxe and $10 off TurboTax Premier.
You can access both products by logging in with your Bank of America app and then navigating to Bank of America’s TurboTax partner website. You must use an eligible card to receive the offer, which expires April 18, 2022.
Chase
Save $5 to $10 on TurboTax purchases with your Chase card.
When you shop at TurboTax’s affiliated sites, you can also instantly get up to $15 in additional savings at checkout on TurboTax Federal products, which you can navigate to through your Chase account if eligible. Offer expires April 18, 2022. Below is a breakdown of the fees for each software version traded through the affiliate:
- Deluxe Edition: $34
- Premiere: $59
- Self-employed: $74.
Discover
Discover is released without any tax preparation software savings.
Citi
CitiThankYou cardholders can use the TurboTax software until October 15, 2022. Here is a breakdown of software costs. Access these through the Citi partner website found in your qualifying account:
- Deluxe Edition: $39
- Premiere: $39
- Self-employed: $39
This year, you can also use ThankYou points to pay TurboTax taxes when you use your points to check out with PayPal.
Wells Fargo
Get $7 back on your TaxAct purchases or 3% cash back on your H&R Block online purchases. Both offers are available through the Wells Fargo Earn More Mall, which you can access through your card account.
Online savings sites that offer tax benefits
RetailMeNot
RetailMeNot offers H&R Block a variety of tax software coupons and offers – including online cash back offers and discounts on tax software products. Here are some available H&R Block deals:
- 25% off online tax products. Offer expires April 18, 2022.
- Get up to $15 cash back on online purchases across the site. Offer expires on February 18, 2022.
- Get $25 off your application with a tax professional at your local H&R Block office. Offer expires on April 13, 2022.
Remember to verify that the code is valid before you start using the software submission to save time. TurboTax also offers a variety of RetailMeNot offers—including cash back offers, tax software discounts, and tax service upgrades. Here are some of the deals available now:
- TurboTax is available for up to an additional $20. Offer expires on February 21, 2022.
- TurboTax claims $15 cash back. Offer expires on February 28, 2022.
- Use TurboTax’s deluxe software for just $29.
TopCashback
When you file your taxes with TopCashback.com using H&R Block, you can get up to 20% off your online tax filing products. Offer will be automatically applied at checkout and will expire on April 15, 2022. Other H&R Block deals include $20 off Deluxe, Premium and Self-Employed options. Expert help is not included in the price.
You can also save on other tax software programs with your TopCashback account – including up to 15% off TurboTax and up to 10% off TaxAct.
Since TopCashback is an online portal, you must navigate to each software site through the TopCashBack website to save money.
More Tips on Finding Tax Prep Deals
Online portals and credit card deals are great ways to save money on online tax preparation and filing, but they’re not the only way to put a few bucks back in your pocket. When you’re ready to submit, it pays to keep an eye out for offers from other retailers or accounts you frequent. Here are more tips for saving on tax software this year:
- Check your email for promotions. The tax software companies you’ve used in the past may be eager to welcome you back this tax season. Some tax companies may send promotional codes that you can use to save when submitting your application. Archiving with the same software can also save you time; if you saved tax or personal information from previous years into your account, you may not need to re-enter it this year.
- Pay attention to the companies you buy frequently. Some work with tax software companies to offer you discounts as a member or customer. If you buy tax preparation software directly from big retailers like Costco and Target, they may offer discounts. These procedures are different from filing your taxes online, but work in much the same way, allowing you to file your tax return by email.
- Look out for offers on tax software websites. Sometimes programs like TurboTax or H&R Block offer offers for improved services – such as B. Tax expert support for the same price as other tax software services. “These deals are great value for those who don’t have super easy returns but don’t want to pay the full cost of these companies’ quality products,” said Kristin McGrath, procurement expert at RetailMeNot.
- Check if you are eligible for IRS free documents. This option allows you to file federal taxes for free. State tax preparation and filing are also free. To be eligible, your adjusted gross income must be less than $73,000.
- Look for quotes that are closer to submission. The new benefits may appear throughout the tax season. Therefore, if you are close to the time when you are ready to submit, you may find new offers that were not previously available.
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