Category: Gift Cards

Hello friends! Let’s start the week off right with a few quick hits and a few big deals:

1. Here’s an updated link for the Delta Platinum 7,500 miles authorized user bonus from last Thursday, give this one a shot in case the other one didn’t work for you.

2. A follow-up from a week ago: my application for the US Bank Business Triple Cash card was approved with a ginormous credit line. How I’m going to play it: Hit the minimum spend to earn $500, lower all of my US Bank credit lines, then apply for three or four more of these before the offer goes away.

3. Rakuten’s card-linked cash back program has added BestBuy, Walmart, Gamestop, and Walgreens cash back at 5%, which blows the Staples 2.5% that we discussed in early December out of the water. Each of these stores sells one or more valuable gift cards, and each of them will let you buy those gift cards with a credit card (like perhaps an Amex that has an 99 employee card for 1.8 million points offer and a +4x offer attached?) Just don’t forget to link your cards to Rakuten and click “Link Offer” in your account.

The last time Rakuten had great partners with their card linked program it all went well for a while until they shut down a few accounts doing major volume in gift card purchases. So, add a kombucha, a banana, and a usb cable to your purchase to mask what you’re doing. At 5% cash-back, you can afford to treat yourself to America’s favorite fruit.

4. I think that Staples has had more weeks with a gift card sale going than weeks without one in 2021. Maybe next year I’ll post only if they’re not running a promo to save everyone time. That said, it isn’t next year yet, so… Staples is having a $200 fee-free sale on Visa gift cards issued by Metabank running through Saturday, limit five per transaction. (Thanks to GC Galore)

Liquidation? Try bill-pay services and try grocery stores that aren’t Kroger or Safeway/Albertsons; also, maybe look at the Western Union agent locator. Remember, the velociraptors in the documentary Jurassic Park found weaknesses in the electric fence that separated them from the money order terminals by probing. Be a velociraptor.

5. American Express has a 20% transfer bonus to Singapore Krisflyer, and Gary pointed out that this stacks with a promotion that Singapore Airlines is running through the end of February for Star Alliance Gold status. I’m calling this out because if you fly United a lot, and I mean a lot, and if you want to redeem a Singapore award for you and P2 (and maybe P3+) in the next couple of months you could get a ton of value because Star Alliance gold status through Singapore will get you into United Clubs when flying United Airlines (and a free checked bag, but if you’re flying United a lot then they’ve already lost your bag so you don’t have one to check, and you didn’t have to pay for them to lose it thanks to your status).

Just do this one on or after January 1 so that you’ve got effectively 25 months of club access (through February 2024).

The victory scene in Jurassic Park when the velociraptors successfully buy a money order.

Hopefully you got in on the Target 10% back on gift cards over the weekend. So far spot rates on Target cards have held surprisingly well during this iteration. I didn’t want to spend a bunch of time at a Target so I maxed out my Discover 5% cash back and left — I probably should have tried harder. Anyway, here are a few things to look at for Monday:

1. US Bank sent me a mailer for a $500 sign-up bonus after spending $4,500 in 150 days on their Triple Cash Rewards no-annual fee business credit card, and it turns out the offer is publicly available without a mailer code (affiliate-free link as always). It’s a great sign-up bonus for a card that won’t show up on your credit report and won’t charge an annual-fee, and the card earns 3% at office supply stores and gas stations (limit $200 per transaction on gas); if you’re locked out of Chase Ink cads or past your office supply 5x capacity it could be a nice card to keep in your wallet, otherwise it’s basically a sock drawer card after the sign-up bonus. A few things to note:

  • US Bank combines hard pulls in a single day, so apply for multiple cards at once
  • Historically you can get multiple business cards in the same day with multiple EINs
  • Freeze your SageStream and ARS reports before applying for better approval odds
  • US Bank Visa cards work in many unexpected places where other credit cards don’t, always probe with them

I would have tested getting multiple cards in the same day with different EINs, but on my first attempt the application went pending, so I didn’t think that applying for more was going to help anything. I currently have three US Bank credit cards with ridiculously large credit lines in my portfolio so maybe I should have done something about that first.

2. Meijer is running a promotion for a $10 Meijer gift card free with every $100 Apple gift card purchase, but you do have to clip the coupon on each of your Meijer accounts first. Assuming you were going to buy groceries anyway, this is a profitable deal with current Apple $100 gift card resale rates hovering at around 91%.

3. Friday’s Lowe’s deal for $10 back as a Lowes gift card on $200 in Visa gift cards needs two follow-up items:

Good luck out there dodging holiday shoppers during your MS escapades.

Me (player) dodging holiday shoppers (volleyball) at Target.

Cyber Monday fared better than Black Friday for MS opportunities, and it looks like it’s going to continue into today and possibly tomorrow. Stay on top of reselling group messages!

In the mean time:

1. There’s a new PayPal offer for $50 back on $250 in spend at BestBuy when you check-out with PayPal. As usual, I’d recommend buying a BestBuy gift card for liquidation but with a special caveat: BestBuy will ban rewards accounts when a gift card purchased under that account is later used for a purchase flagged as a reseller. To protect yourself, don’t login to your BestBuy account and checkout as a guest if you’re going to buy a gift card for resale. UPDATE: The deal is now $25 back, not $50. Thanks to @BlueCat

2. Alaska Airlines has a good Cyber Monday sale for Tuesday and Delta does too. JetBlue has their own version, and they’re offering $50 off of one-way trips so you may want to replace existing round-trip bookings with two one-ways. Southwest didn’t want to be left out so they’ve got one too, but theirs runs through Thursday. (I don’t think the “Monday” in Cyber Monday means what the airlines think it means.)

With Southwest in particular, it’s a good time to book your Spring Break travel because they’ll likely change the schedule anyway and let you switch to any other flight ± 2 weeks from the original booking when that happens.

3. Office Depot/OfficeMax has $15 off of $300 or more in Mastercard gift card purchases between now and Saturday. Don’t forget to link your cards to Dosh for an extra $10 cash-back.

4. The web framework behind my favorite travel tool, ITA Matrix, is deprecated and going to have to be yanked by Google one day soon. Fortunately for all of us, a dedicated team of Google travel hackers are building a replacement with a modern web framework and they’re making good progress. You can find it here:

ITA Matrix Beta

At this point it’s less buggy than the primary interface for some of my searches, though others just spin. I’d consider it a rapidly improving work in progress. Now we just need book with matrix to be updated too.

An image of a November calendar with 35 days.
The calendar used by airlines for Cyber Monday.

1. Apparently several Chase credit cards are being approved regardless of 5/24 status (all links are affiliate-free). Reported cards that are currently ignoring 5/24:

I’m currently on a half-hearted mission to drop below 5/24 (which is a year away best case), but man I’m tempted to make that drop below 5/24 even longer with a Southwest Premier card and its 100,000 Rapid Rewards points bonus. Story developing. (DPs: 1, 2, 3, DoC)

2. The Point debit card is giving 10x at Whole Foods and 10x at Costco through Sunday, up to $500 spend each. Obviously both stores sell gift cards, so there’s that. As usual with this super-weird debit card, use a referral if you sign-up because the referral bonus of $100 is bigger than the regular, publicly available bonus.

3. United has targeted more people with this round of MilePlay, and this time I actually got an offer. Check yours at this link. Mine was “book two trips of at least $300 each and get a bonus 2,700 miles” — strong pass, I like flying on CRJ-200s a whole lot less than I like 2,700 miles, and I’d honestly pay $300 to not fly on a United CRJ-200. Hopefully your offer is quite a bit better.

4. There’s a great $500 bonus offer at the Tastyworks online brokerage after transferring $10,000 in and ostensibly waiting 90 days. Early reports suggested that the bonus posts in one to three days, and I can confirm the same for me (two business days, surprise!) If ten minutes of time is worth $500 for you, I’d suggest you jump on it while it’s still around.

5. Stockpile’s Thanksgiving surprise is that they’re allowing gift card purchases with a credit card, fee-free. If you run into limits, I bet you can find more email addresses and/or IP addresses, right? I knew you could.

It’s too bad this isn’t like black Friday from two years ago, when you could buy $10,000 per day in gift cards fee free, and the maximum value was $5,000 and not $500.

Thanksgiving Surprise from Nana. Yummy, I guess?

1. Meijer surprises with another 10% back on gift-cards as $5 in rewards for each $50 in gift card purchases, but it’s not like last week’s book-a-last-minute-ticket-to-the-Midwest sort of deal because: it’s not a straight cash discount, you’ll need to buy groceries to redeem, and the rewards expire. What you should know about this one:

  • You get the discount back as Meijer rewards to buy groceries
  • You can buy a single $500 gift card to max out the deal on an account
  • Some gift cards are excluded, but BestBuy isn’t one of them
  • You can (and should) have multiple Meijer accounts
  • The deal runs through December 11

2. Office Depot / OfficeMax doesn’t surprise with its $15 back on $300 or more in Visa gift cards deal. As with other iterations:

  • Link your credit card to Dosh for an extra $10 back per transaction — I use a new Dosh account for each Chase Ink card that I have
  • Try and get multiple transactions in a single trip
  • Buy the “everywhere” variety of cards for lower fees if you have a liquidation channel

(Thanks to DoC)

3. Arizona friends: How does a credit card with no-annual fee and $2,000 back as a sign-up bonus sound? Zions bank has got it. The catch? You have to spend $50,000 within six months to earn it. Did I look into registering a business in Arizona to take advantage of this? You better believe it. Why do I keep asking questions? No idea.

4. The Point debit card has changed their referral sign-up bonus: Under the new structure you get the annual-fee back after spending $200, which isn’t as high as the bonus was in the early summer, but it’s a lower spending threshold then I’ve ever seen. This card is effectively a 2% cash back debit card through the end of the year (once you get the Visa version in the mail) and it’s easy to game. They also occasionally have boosted earnings at selected retailers.

Under the new program, the referrer gets to a code for a free-suitcase after five referrals, which is possibly the lamest bonus for the referrer that I’ve ever seen. My normal position is that you should use a friend’s referral link rather than one from some rando on the internet, but because your friend isn’t likely to earn a suitcase, the public sign-up offer is lower, and because I don’t want a suitcase, I’m willing to post my referral here in case you want to sign-up: Point debit card $99 back after spending $200.

Pictured: Your prize for pushing the Point debit card on unsuspecting friends.

State of the Union

I’m not burying the lead this time: gift card reselling has gone plaid in the last week. A few vitals:

  • BestBuy $500 card rates crept above 99% for a day, and held at or above 98% for most of the week
  • Kroger Fuel Points spot prices are higher than I’ve ever seen, reaching north of $18 per 1,000 points
  • There have been more profitable non-BestBuy gift card reselling deals in the last two weeks than there were all summer long
  • Bulk gift card buyer demand seems to be larger this year than it was last year (or the year before)
  • More brands are becoming profitable when combined with grocery rewards: Apple, Home Depot, Nike, and Marshalls to name a few. More diversity means more opportunity

Honestly, The last week was so good that I knocked out a few big-spend sign-up bonuses on new credit cards using nothing but third party gift card resale deals over the past weekend.

Where to Start

The number one question I get lately is “Where do I find resale rates like these? I checked Raise and GiftCardWiki, and the gift card rates aren’t anywhere near what you post.” Well, I’ll share three for the moment (two for beginners and one once you’ve done a little bit of volume):

There are others too, but I think to use them effectively you should cut your teeth with the above. As you get bigger volume and better at the processes, you’ll get better rates and ultimately probably network your way into advanced aggregators and ultimately private buyers who will pay the highest rates. My best suggestion is to walk before you run on this one!

I know this isn’t what people mean when they say “cutting your teeth”, but it’s where my mind goes. Also, it’s probably where yours will go now too. Sorry, not sorry.

I had a “Weekend Wisdom” post scheduled for today, but late breaking news preempted it. I’ll let you guess which item caused the shake-up:

1. Meijer MPerks has 10% off on gift card purchases running today and tomorrow with a maximum of $50 back on a $500 purchase per account. Don’t sleep on this one, it isn’t the snooze fest you might think it is. I know of people that literally fly to Meijer territory from other parts of the country and hang out in stores, buying two $500 cards every 10 minutes for an entire day; then they wake up and do it again the next day.

Some gift cards are excluded, but BestBuy isn’t one of them (resale rates are currently in the 96-98% range, which makes this a 6-8% money maker even before your credit card spend).

2. Kroger has been running a 4x fuel point event for online gift card purchases since Monday. I haven’t written about it until this point because it’s been spotty and finicky with cancelled orders all over the place, but that seems to be mostly fixed. With fuel points selling at all-time highs you can come out ahead and never leave home. Your best options:

  • Apple gift cards: Resale rate of 94.5%+
  • Cheers-to-you Happy cards (swap to Home Depot): Resale rate of 94.5%+

The limits are $1,002 per transaction, and $1,002 per rolling 24-30 hour period. Buy the $500 cards for the best bang for your buck, and seasoned accounts work better. Don’t have any seasoned accounts? No time like the present to get ready for the next round, buddy!

3. The Staples fee-free $200 Visa gift card purchase promotion has been extended for another week, running through Saturday, November 13. As before, it’s still limit 5 per transaction. If you do this one, have a good liquidation channel and use a card that bonuses at office supply stores. (Thanks to GC Galore)

Did you guess which item messed things up? Hint, it wasn’t Staples.

Waiting for 10 minutes to pass at a Meijer grocery store.

Gift card sales are picking up in just about every way right now, but let’s narrow today’s discussion to a few fun Visa/Mastercard deals (and don’t forget the current Office Depot / OfficeMax deal going through Saturday):

1. GiftCards.com has a Halloween sale for three $250 virtual Visa gift cards with $75 off using code TRICKORTREAT, for a total cost of about $693 for $750 worth of cards. To make this even better, Citi has a targeted merchant offer for 1.5x at GiftCards.com, you can add it to your card at this link. (Thanks to GC Galore)

Make sure you go through a shopping portal to get to this deal. As of this writing, Alaska is at 4x which would payout at around 2,770 miles. In theory the deal runs through Halloween, but it will probably sell out sooner so jump on it while you can.

2. Simon Mall has 50% off of purchase fees using promo code OCTSCARY50. These are great for their large denominations (up to $1,000), and especially great for running up balances on a Citi Double Cash. Just don’t use an American Express card, they don’t pay out points on Simon purchases.

3. Kroger has $3 back on purchases of Visa or Mastercard gift cards via digital coupon. This one is unique because it reportedly works with variable load and fixed load cards, but only if the face value is over $50. Kroger sells US Bank Visa and Mastercard gift cards which tend to work better in many places than the alternatives.

You have a few Kroger accounts, right? You can create a new one in less than two minutes.

Virtual gift cards in action, but watch out: I have a sneaking suspicion that the printout probably won’t work at a Walmart register.