How to earn 4% cash back on all spend

The cash back portal, Ebates, now offers a Visa credit card that gives you an additional 3% cash back on qualifying purchases made through their portal.

EbatesVisa

One way to take advantage of this is to go through the Ebates portal to buy American Express gift cards for 1% cash back:

Ebates_Amex_gc

If you pay with your EBates credit card, you should get a total of 4% cash back.  Then, use those gift cards for day to day spend.

If you’re new to Ebates, please find a signup link here.

For more about Amex gift cards, please see: Everything you ever wanted to know about Amex gift cards.

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Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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Gabriel
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Gabriel

Limited time after applying or is this supposed to be in perpetuity? WF had only 6 mo at 5%…I anticipate something similar. Or completely removing Amex GC from their portal after the MSer’s get to it…

ncSam
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ncSam

How can this be sustainable without an AGC exclusion? Portals are already very familiar with MSers.

pier11
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pier11

No way sustainable, IMO.

ABC
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ABC

Issued by what bank?

Ed
Guest
Ed

Synchrony Bank

SCott
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SCott

Credit pulls data base for Synchrony and GE Capital shows most pulls are for TransUnion but the few Experian makes me nervous. Maybe I’d do it if I free Ex first.

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[…] HT to Frequent Miler […]

Todd
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Todd

I intend to give this a try. I searched the program rules and did not find anything that would prevent the purchase of AMEX gift cards. This could change at any time though because they could simply change their exclusion list. http://www.ebates.com/help/storeexceptions.htm

Currently this is the verbage:
American Express® Gift Cards & Business Gift Cards: Cash Back is not available on PrePaid Card, PASS card. Cash Back is not available when any promotional coupon code is used. Cash Back is only available if a member doesn’t exceed $5,000 purchase every 14 days on Consumer Gift Cards. For Business gift cards, Cash Back will be available if a member doesn’t exceed $75,000 purchase every 14 days.

jaye
Guest

This is better then Ebates. You can now get up to 11% cash back for booking hotel online at http://www.freecashbacktoday.com

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[…] This card earns 3% cash back for all purchases made through the EBates portal.  The trick then is to go through the portal to buy American Express gift cards.  You’ll earn 1% cash back from the portal and 3% cash back from the credit card for a total of 4% cash back!  Use the Amex gift cards, then, to reload REDbird.  See also: How to earn 4% cash back on all spend. […]

JoeB
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JoeB

Updated verbiage

American Express® Gift Cards & Business Gift Cards: Cash Back is not available on gift card denominations over $2,000, PrePaid Card, PASS card. Cash Back is not available when any promotional coupon code is used. Cash Back is only available if a member doesn’t exceed $10,000 purchase every 14 days on Consumer Gift Cards. For Business gift cards, Cash Back will be available if a member doesn’t exceed $100,000 purchase every 14 days.

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[…] 今天偶然在网上(主要是这里和这里)逛到了一个可以 Everything 4% 的方法:Ebates Credit Card + AmEx Gift Cards,但是此卡刚推出不久,且中文论坛了里似乎很少见,于是写此文介绍一下。 […]

NI
Guest
NI

Can anyone confirm they got a full 4% back using this method?

Jacinto
Guest
Jacinto

When using the ebates Visa cc, thru the ebates portal, I seem to be getting only 1% from ebates on AGC purchases of $2,000 personal cards, not 4%.

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[…] How to earn 4% cash back on all spend […]

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[…] How to earn 4% cash back on all spend […]

Eli C
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Eli C

Seems to me this is currently the best cash back option out there – when going through Ebates’ app on a 2% offering. Has anyone tried this?