Office Depot OfficeMax (I literally never remember which parts of that store name are supposed to have a space and which aren’t) has another negative cost manufactured spend opportunity available: $15 back on a purchase of $300 or more in Mastercard Gift Cards. For the best bang for your buck:

  1. Link your credit card(s) to Dosh in the mobile app before heading to the store. You’ll get an extra 2% back, up to $10 per day
  2. Buy two $200 Mastercard gift cards
  3. Get two more $200 Mastercard gift cards, and go to step (2) with another transaction (if you’ve got a friendly cashier)
  4. Log in to Dosh a few hours after the transaction to claim your cash back

You’ll spend $398.90 per transaction for $400.00 in gift cards and you’ll get another $7.97 cash back from Dosh.

One of the frequent questions I get lately is “How can you liquidate these from home?” I’ve got a few answers that I’m glad to share publicly, and a few that are more fragile so I won’t share them here. I will however drop the generic tip that I encourage you to explore around — opportunities do exist. Start looking for payment processors and bill payment platforms because that’s where pay dirt usually lies. In the mean time though, you can liquidate from home via:

  • Bravo payment app: see the defunct Middle Aged Miles blog for more. Side note: do some great internet sleuthing and app hacking if you want better than 2.9% rates, but it’s fraught with peril and you should probably never take my advice about anything
  • Paying estimated taxes quarterly, two per payment processor (PayUSATax, PayTax1040, ACI Payments)
  • Micro-lending on Kiva
  • Reloading your Amazon balance
  • Pay your utility bills, most accept “debit” card payments

Good luck out there!

With this many major players involved in payment processing you’re bound to find loopholes. Let’s not forget that there are many, many more minor players too.

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