Best options for buying Visa and MasterCard gift cards


Updated 04/02/2019

This guide has been updated to reflect recent changes at Simon Malls and to add and edit the details on other sources listed below.

A common practice for increasing credit card rewards is to use a credit card to buy PIN-enabled Visa or Mastercard gift cards, and then liquidate those cards by using them to reload prepaid cards, buy money orders, or pay bills.

The first step is to find PIN-enabled Visa or Mastercard gift cards that can be bought with a credit card, with low fees, and without risk of incurring cash advance fees.  That’s where this post can help.  Note that this post focuses on options available within the United States only.  Within the US, options vary by region, by county, by store, and even from one cashier to another. On the other hand, the recent Simon Malls announcement indicates that we may see a more consistent corporate policy enacted at their locations in the coming months.

You can often find promotions to save on the activation fees listed below. For the deals happening right now, see our Current Visa and Mastercard Gift Card Deals page.

Buy online

GiftCards.com

Order online through a cash back portal in order to recover some or all of the fees.

GiftCards Visa with name

Card Notes: When first buying cards from GiftCards.com, it is recommended that you start slowly.  If you buy too many in a short period of time, they may shut down your ability to buy more cards.

 

Max value: $500

Max order size: $2500 (inclusive of fees)

Per card fee: $6.95 + shipping. Shipping is either $1.99 per card for first class mail or $7.45 for an entire order with tracking.

Can include your name on gift card? Yes

Portal rebate available? Yes. Portal rates are sometimes better for Mastercard gift cards than for Visa gift cards. Find current portal rates here (but note that you’ll have to click into each portal to find Visa/MC specific rates). Cash back may be earned on up to $60K per month through portals.

PIN enabled? Yes. After activating online you’ll be given a 4 digit PIN and you can then change the PIN if you prefer.

Cash advance fee? No

Issued by: MetaBank

Credit card category bonus: None that I’m aware of.

GiftCardMall.com

Order online through a cash back portal in order to recover some or all of the fees.

GiftCardMall Silver Visa

PIN safe now: GiftCardMall used to sell two types of Visa gift cards.  One type (sold by IncentiveCardLabs) didn’t have PINs.  Now, they only sell cards issued by MetaBank, so all of their Visa gift cards should have PINs.

Card notes: GiftCardMall is known to have an itchy trigger finger when it comes to cancelling orders.  If you intend to place larger orders, you should increase order size slowly.

Max value: $500

Max order size: $10,000 (inclusive of fees)

Per card fee: $5.95 + shipping. Shipping fees vary depending on the number of cards you purchase and they sometimes run promotions for free shipping.

Can include your name on gift card? Yes

Portal rebate available? Yes. Find current portal rates here (but note that you’ll have to click into each portal to find Visa specific rates). Limit $10K per day / $60K per month through portals.

PIN enabled? Depends (see note on left)

Cash advance fee? No

Issued by: Metabank

Credit card category bonus: None that I’m aware of.

Staples.com

visa gift cards purchase

Card notes: If you pay with a Chase Ink Cash (or the Ink Plus, which is no longer available to new applicants), the $8.95 fee is more than made up for by the 5X Ultimate Rewards points earned (5 X 308.95 = 1545 points per $300 card).  In fact, if you wanted to, you could cash in 895 of those points to reduce your net fees to zero and still earn 650 points per $300 card (i.e. ~2.2X). Note that the card activation PIN is mailed separately a few days behind your gift card order.

Max value: $300

Max order size: $2,000 (inclusive of fees)

Per card fee: $8.95

Can include your name on gift card? No

Portal rebate available? No

PIN enabled? Yes (last 4 digits)

Cash advance fee? No

Issued by: Metabank.

Credit card category bonus: 5X Chase Ink Cash (or Ink Plus, which is no longer available to new applicants), Amex Simply Cash, Discover Business. Other category bonuses can be found here.

Buy in-person

None of the following in-person options provide a way to recover fees through portals, nor do they offer gift cards with your name on them.

Grocery Stores
Many grocery stores sell Visa and MasterCard gift cards loadable up to $500.visa gift cards purchase
Card notes:
While Visa cards operate normally, U.S. Bank Mastercards do not automatically work as debit cards at Walmart registers. A workaround is to hit the red cancel button almost immediately after swiping so you can change the payment type to “debit”.

Max value: $500

Max order size: Varies by store

Per card fee: $4.95 or $5.95

PIN enabled? Yes. PIN usually comes in the package. If it doesn’t, call 1-866-952-5653 to set the pin.

Cash advance fee? No

Issued by: U.S. Bank (usually) or Metabank in some cases.

Credit card category bonus: A number of cards offer up to 5% or even 6% cash back at grocery stores (found here).

Also watch for grocery stores as quarterly category bonus with cards such as Chase Freedom, Citi Dividend, and Discover.

Discount Stores

Stores like Walmart, Target, BJ’s, and Sam’s Club sell a variety of Visa and/or MasterCard gift cards.  Sam’s Club and BJ’s wholesale sells Vanilla brand cards that may look like this:

 

Card notes: Vanilla brand cards do not work as debit cards at Walmart for transactions of $50 or more. In my experience they work fine everywhere else.

Max value: $500

Max order size: Varies by store

Per card fee: Varies

PIN enabled? Yes.

Cash advance fee? No

Issued by: Varies (Sam’s Club and BJ’s Wholesale sell Vanilla gift cards)

Credit card category bonus: In some cases Walmart or Target may code as a grocery store for earning credit card category bonuses.  For Sam’s Club, look for cards offering wholesale club bonuses (for example, Chase Freedom offered 5X at wholesale clubs in both the 3rd and 4th quarter 2016)

Drug Stores

Many drugstores sell Vanilla brand Visa and MasterCard gift cards loadable up to $500.

OneVanilla.jpg
Card notes: Vanilla brand cards do not work as debit cards at Walmart for transactions of $50 or more. In my experience they work fine everywhere else.

Max value: $500

Max order size: Often limited to one $500 card.

Per card fee: $4.95 or $5.95

PIN enabled? Yes (Use any 4 digits upon first use to set the PIN)

Cash advance fee? No

Issued by: Bancorp

Credit card category bonus: Some cards offer up to 5% cash back at drug stores (found here).

Office Supply Stores

Many drugstores sell Vanilla brand Visa and MasterCard gift cards loadable up to $500.


Card notes:If you pay with a Chase Ink Cash (or the Ink Plus, which is no longer available to new applicants), the $6.95 fee is more than made up for by the 5X Ultimate Rewards points earned (5 X 308.95 = 1034.75 points per $200 card).  In fact, if you wanted to, you could cash in 695 of those points to reduce your net fees to zero and still earn 339.75 points per $200 card (i.e. ~1.7X). Keep in mind hat office supply stores may also sell “Everywhere” Visas, which are more limited in acceptance though they do have lower fees.

Max value: $200

Max order size: $2,000 (inclusive of fees), though during promotions you may be limited to 1 card.

Per card fee: $6.95 for $200 cards

PIN enabled? Yes (last 4 digits)

Cash advance fee? No

Issued by: Metabank.

Credit card category bonus: 5X Chase Ink Cash (or Ink Plus, which is no longer available to new applicants), Amex Simply Cash, Discover Business. Other category bonuses can be found here.

Gas Stations / Convenience Stores

Some gas stations and convenience stores (which sometimes conveniently code as gas stations for credit card purposes) sell Visa and MasterCard gift cards loadable up to $500. The ability to pay with a credit card varies from region to region and store to store and is often limited to Vanilla brand gift cards.

OneVanilla.jpg
Card notes: Vanilla brand cards do not work as debit cards at Walmart for transactions of $50 or more. In my experience they work fine everywhere else.

Max value: $500

Max order size: Often limited to one $500 card.

Per card fee: $4.95 or $5.95

PIN enabled? Yes (Use any 4 digits upon first use to set the PIN)

Cash advance fee? No

Issued by: Bancorp

Credit card category bonus: A number of cards offer up to 5% cash back at gas stations (found here). Note that some category bonuses are restricted to payments at the pump — those will not work for buying gift cards.

Also watch for gas station quarterly category bonuses with cards such as Chase Freedom, Citi Dividend, and Discover.

Shopping Malls

Many indoor shopping malls have gift card displays, often near the information desk. Visa gift cards aren’t always on display so you may have to ask for them.

simon gift card

Card Notes: Some malls sell Amex gift cards, which are not PIN-enabled and can therefore be harder to use since they generally will not work as debit cards. Visa gift cards are preferable.

Max value: $500 ($1000 cards are sometimes available for business accounts)

Max order size: Varies. A $10,000 limit (inclusive of fees) was typical, but in February 2019 it was announced that the limit at Simon Malls had been raised to as high as $25,000 for qualified buyers. See this post for more.

Per card fee: $3.95 (usually)

PIN enabled? Yes (Last 4 digits)

Cash advance fee? Usually not, but in Feb 2016 there were a few reports of cash advance charges at Simon Malls. That was resolved without subsequent reports.

Issued by: Metabank (at Simon and Macerich malls)

Credit card category bonus: None that I’m aware of.

AAA

Check your local AAA office to see if they sell Visa gift cards. Often they’ll run no-fee promotions, especially late in the year.

Card Notes: Some people have reported that buying gift cards from AAA is a cumbersome and time consuming process.  Others have had no such problems. We’ve received at least one report of a customer being charged a cash advance fee when buying AAA gift cards.  Make sure to lower your credit card’s cash advance limit below the amount you plan to spend.

Max value: $500

Max order size: ?

Per card fee: Varies. Often $3 to $3.95 for members. Sometimes fee-free during promos.

PIN enabled? Yes

Cash advance fee? Usually not. See Card Notes.

Issued by: Metabank

Credit card category bonus: Some AAA branches code as insurance. If you have a card offering a bonus for insurance payments, you might qualify for a bonus this way.

Credit Unions

Credit unions often sell Visa gift cards to their members sometimes with no fee at all.  When they do charge fees, they’re often lower than elsewhere. One example of a credit union that offers Visa gift cards can be found here.

Many credit unions only allow credit cards to be used if you pay with a credit card from that credit union.  Ask your credit union whether they accept 3rd party credit cards for these purchases.

Card Notes: There is always a risk of being charged a cash advance fee. Make sure to lower your credit card’s cash advance limit below the amount you plan to spend.

Max value: $500

Max order size: ?

Per card fee: Varies. $3.95 is typical.

PIN enabled? Yes

Cash advance fee? Possible

Issued by: ?

Credit card category bonus: None.

Reader suggestions

Did we miss any particularly noteworthy options?  Please comment below.

Last updated on April 3rd, 2019

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

More articles by Nick Reyes »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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[…] Best options for buying Visa and MasterCard gift cards […]

BK
Guest
BK

GC’S FROM SIMON MALL NOW SHOW UP/REGISTER AS CASH ADVANCE ON BARCLAY ARRIVAL+ cards. Ouch!

Ozzie
Guest
Ozzie

Really? I just made couple purchases w arrival plus card but there’s no extra fee charged. Could you double check?

trackback

[…] Buy Visa and MasterCard gift cards […]

Mike
Guest
Mike

Jewel (which is part of the Albertsons chain) has also pulled all variable load gift cards. One of my favorite store CSRs does not think they’ll ever be back.
Everything is drying up!

Manish
Guest
Manish

Are VGC’s from

1) http://www.giftcards.com working to upload as debit cards to BB at WM? Can someone confirm?
2) what about http://www.giftcardmall.com? I heard they still cancel your order citing security reason and still send out Pinless Debit cards?

Can the site owner be more active and answer/address the questions?

Greg The Frequent Miler
Admin

The answers to these questions can be found in this post which we actively update.

1) Yes. GiftCards.com gift cards are pin-enabled and they do work at walmart
2) giftcardmall is a crapshoot: to some they send gift cards from Incentive Card Labs. Those do not have Pins. Others get the kind with pins. If you order from there and get a confirmation email showing incentive card labs, then call and cancel the order.

Bob
Guest
Bob

I have a $500 Visa GC from giftcards.com issued by Bankcorp Bank. But i cannot load it to my BB at WM, despite multiple attempts by the courtesy WM service person.

What is the problem, in your opinion? Coz you said they work to load BB at WM (VGC from giftcards.com).

Eager to read your response, do reply ASAP.

Recon
Guest
Recon

Have you activated your vgcs on giftcards.com/activate? I routinely buy vgcs from go.com and have no prob loading them to bb

Rhea
Guest
Rhea

what is go.com? or you meant gc.com??
where can you buy vgc on go.com?

Manish
Guest
Manish

Thanks. However both your websites posted on this page do not provide ANY CASHBACK for Gitcards.com purchases. Kindly reconfirm and remove or do not post nonworking links or wrong information that can misguide your followers HERE. Thank you……………………

Greg The Frequent Miler
Admin

Bob: It’s possible that things have changed. Many people have reported success in the past.

Manish: There was a note saying that the portals were temporarily not working. However, since that note wasn’t obvious enough, I took out the portal options entirely from the post for now.

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[…] Buy Visa and MasterCard gift cards […]

Mike
Guest
Mike

Hello do the visa and master cards from kroger that say US Bank still work when uploading to bluebird at Walmart. I live in texas and I have a few of these from Christmas still. They do allow me to change pin when calling to check balance. Also they have a site to registry them at. I’d like to load them all onto my bluebird. Is there any update from anyone that is still doing this successfully at wakmart? Thanks

Greg The Frequent Miler
Admin

I haven’t heard any problems with doing so, but its been a long time since I’ve tried.

Recon
Guest
Recon

No problem. You just have to call to set the pin and then should have no prob loading to bb at wmt. I do it all the time

Greg The Frequent Miler
Admin

All, a few people have recently reported problems using giftcards.com visa gift cards at Walmart when trying to load Bluebird or Serve. Has anyone had success recently using those gift cards as debit cards at Walmart at all?

Recon
Guest
Recon

I buy $2460/week in vgcs from gc.com and have no prob loading to bb/serve at wmt after activating. It’s a good way to purchase chase ur points for 0.15 cents/ point

Greg The Frequent Miler
Admin

GiftCards.com has returned to portals! This page has been updated accordingly.

trackback

[…] Buy Visa and MasterCard gift cards […]

Greg The Frequent Miler
Admin

GiftCards.com is now working again through iConsumer at 1.6%

Greg The Frequent Miler
Admin

FYI: GiftCards.com has dropped to 1.5% on Yazing and .8% on iConsumer

Greg The Frequent Miler
Admin

iConsumer has increased payout for GiftCards.com up to 1.5%. Now, both Yazing and iConsumer are at 1.5%.

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[…] Best options for buying Visa and MasterCard gift cards […]

Wanderingnubian
Guest
Wanderingnubian

Thanks for putting this together, very helpful to have it all in one place.

Skywardbd
Guest
Skywardbd

Subscribe. Notify me by email of changes/updates to this page.
Thanks!

Skywardbd
Guest
Skywardbd

Subscribe. Please notify me by email of any changes or updates to this page.
Thanks!

Ken
Guest
Ken

No mention of buying vGCs at WM? I tried to buy a Sunrise GC yesterday at WM with my Aviator Red card using the chip reader an dit was immediately canceled. Not declined. Some have said it’s due to using the chip for the first time, so I’ll try again another time.

Greg The Frequent Miler
Admin

Good point, I should add that to the grocery section. Anyone else have recent success or problems buying the Sunrise Bank Visa gift cards at Walmart?

Ashley
Guest
Ashley

Thanks for putting all these together.

Rose
Guest
Rose

I bought some $500 gift cards on the giftcardmall before I came across your article. It’s been a few hours since I ordered, and I haven’t received a confirmation email for my order yet. My question is, how did you know that your orders on giftcardmall were cancelled? I kind of hope they are so I can get the 1.5% cash back on giftcards.com instead!

Greg The Frequent Miler
Admin

I always received emails telling me that the order was cancelled. I believe that they sometimes arrived on the next day.

KT
Guest
KT

About paying Citi CC with a debit card .. I purchased a Metabank issued VGc at a grocery store and registered with my name and address at giftcardmall.com/mygift – made sure everything matched my CC info. Then I called Citi to pay, but the agent said that she got an error message – ‘do not honor’ or something along those lines.

Don’t these cards work at all for this liquidation method? Thanks !

Greg The Frequent Miler
Admin

There are many places in which companies try to only allow “real” debit cards for things like bill payments, money transfers, money order purchases, etc. For that reason, I believe that Citi bars most gift cards from being used for debit payments.

jcb
Guest
jcb

Can you buy visa egift cards and load them onto a prepaid card?!

Greg The Frequent Miler
Admin

I can’t think of any way to do so, no.

jcb
Guest
jcb

True. What about using them as debit cards to send people money via Venmo?

Greg The Frequent Miler
Admin

I think that Venmo would charge 3%. Also, I think they have strict limits with how many cards you can use

Jeremiah
Guest
Jeremiah

You say to start out slow on giftcards.com. Can you elaborate? What constitutes slow? What sort of monthly volume is possible (I’ve not placed any previous orders with them)? Also, if my SO and I were to place separate orders, would that help assuming we use different CC numbers for the orders, or would the identical address be caught?

Greg The Frequent Miler
Admin

I wouldn’t separate orders to the same address. I don’t think that will help. Orders are limited to $2500 at a time. When starting out, I recommend placing an order of maybe $500 or $1000, then wait until it arrives. Then go for maybe $2000 and wait for it to arrive. Once you’ve built up your buying relationship with them it should be safe to place additional orders while still waiting for the previous ones to arrive.

Bob
Guest
Bob

So what to do after buying the visa gift cards? How to liquidate them now that Bluebird is not an option anymore? (Bluebird sent me an email that I cannot load money with debit card anymore in my account)

Please detail all options on liquidating the GIFTCARDS/Visa debit cards and COSTS associated with those options (if any)

Racerboy80 (Will)
Guest
Racerboy80 (Will)

HI Bob,

You might want to read the previous post by FM from a couple of days ago…found HERE!

Racerboy80 (Will)
Guest
Racerboy80 (Will)

In the middle of the post I referenced he has a link named, “Connecting the dots: Prepaid cards that allow debit reloads.” He describes alternatives to liquidating GCs.

Good Luck!

Payal
Guest
Payal

how to buy MO? from where? any charge/fees associated with buying MO? can it be bought with my VGC’s i have? and can MO be deposited to my Bank account?

Greg The Frequent Miler
Admin

It’s hard to answer where since the answer depends on where you live. Many stores sell money orders. Some of those allow you to pay for the money orders with debit cards. Some of those allow you to use Visa gift cards as debit cards to pay. Try the Walmart in your area, for example. Fees vary but are usually less than $2 for up to $500 or up to $1000.

Yes you can deposit MOs in your bank account, but if you regularly do many thousands of dollars worth, your bank may shut down your account for suspicious activity. You can also use MOs to pay bills that can’t otherwise be paid by credit card. Use them just like a check.

Greg The Frequent Miler
Admin

Sorry I’m a bit late reporting this: Last week DOC reported that Stop & Shop and Giant grocery stores are now cash only for Visa/MC/Amex gift cards: http://www.doctorofcredit.com/another-blow-stopshop-giant-going-cashdebit-prepaid-cards/

Greg The Frequent Miler
Admin

I’ve updated the GiftCardMall section with a tip on how to find a card that will have a PIN. Thanks to this Miles to Memories post: http://milestomemories.boardingarea.com/giftcardmall-visa-gift-card-deal/

Dan
Guest
Dan

Hi, I am new to this website, but looks like a great one, very helpful.

One question, i have about $6000 in Visa GC’s that i cannot liquidate as my BB account has lost the option of adding funds via Debit Card upload.

What are my options? I see the option of MO. But wouldn’t that be expensive, paying fees to get MO in addition to fees I’ve paid to get the GC’s?

Greg The Frequent Miler
Admin

MOs usually aren’t very expensive

dan
Guest
dan

thank you for the quick answer.

1) Can you provide options of where to buy and how much one can buy in one order?

2)can i use 2-3 $500 GC’sdebit cards to buy one MO of 1000/1500/2000? Or best is to do 1 MO individually or one GC?

Ken
Guest
Ken

It largely depends on where you live. Try grocery stores first, they’re the most likely to allow MOs with vGCs.

Jerry Mandel
Guest
Jerry Mandel

Money orders at Walmart are very cheap–around 75c per $1,000 MO. I pay fees in cash or from my bank ATM/debit card. Easy way to meet minimum spending for signup bonuses. Then deposit MOs in your checking account to pay off your credit cards when you get the statements.
In some mall desks, amounts of debit cards are quite limited per day.

Will
Guest
Will

brought a bunch of those pre-designed visa gift cards from giftcards.com, Today tried to use them at WM to buy MO, all got infamous “debit not available error= 51”. is something going on?

Bullfrog
Guest
Bullfrog

According to the FT Wiki, this is the error you get when you haven’t activated your cards. Sorry if that’s overly obvious, but you should double check. It’s relatively easy to activate the cards and change the PIN through the app. Scan the front of the card, type 3 digit number on back, change PIN, liquidate.

Pamela
Guest
Pamela

1) Fee/Cost to buy each MO?

2) Can i buy 1 $500 MO per one $500 GC or i can combine 3-4 $500 GC’s to buy one single MO of $1500-$2000?

Bullfrog
Guest
Bullfrog

You directed this at me. Maybe that was a mistake as I’m not an MO-er (yet).

1) depends on vendor
2) max amount = $1000, multiple swipes depends on vendor. Time to go to some reading.

Jerry Mandel
Guest
Jerry Mandel

Walmart will allow two $500 cards for each $1,000 MO max. I pay fee in cash. So, two more $500s for another MO.

Charles
Guest
Charles

What few do u pay at WM for $1000 MO?

Jerry Mandel
Guest
Jerry Mandel

$1,000 money orders at Walmart. Varies 67c-90c. Varies by city.

misty
Guest
misty

At my Walmart.. you can divide payments for money order amounts by 3 cards max.
Does not matter the dollar amount of money order ( $1000, $800, $700 etc).
Only buy one money order at a time. New people will tell you that you can purchase multiple money orders in one transaction but this always fouls it up and creates problems.

? Can Vanilla cards still be used to purchase money orders at Walmart?

Will
Guest
Will

Thank you, Bullfrog, I do did activate the cards by my computer, but I went to WM right after. I re-activated them by phone app ( thank you for the tips, it is fast and easy), Let them rest overnight, and use them tomorrow.

oldporkchops
Guest
oldporkchops

Hi Will, you mentioned a phone app. Do you know if the Android version of the GiftCards.com app allows Visa Gift Cards to be activated by scanning the front? Thanks.

Will
Guest
Will

Hi oldporkchops,

I do not have android phone, I used the iphone app to activate the cards.

Greg The Frequent Miler
Admin

Misty: Vanilla cards can only be used at Walmart if you keep each transaction below $50. Not worth the hassle.

Taylor Dankmyer
Guest
Taylor Dankmyer

What about using an actual Amex (Amex Hilton HHonors) cars for giftcards.com? I remember hearing Amex is more selective about what they would code to count towards minimum spend…

Greg The Frequent Miler
Admin

In my experience, Amex counts pretty much everything towards minimum spend (even though their terms state otherwise). You should be fine.

Wil
Guest
Wil

after successfully put two 1K orders(3/8 and 3/15), today’s 1K order got cancelled. is it dead for me? or I have to wait a while to start it again. it is not for Mser.

Greg The Frequent Miler
Admin

I don’t know. Which site did you buy from?

Wil
Guest
Wil

giftcards.com

Greg The Frequent Miler
Admin

FYI: GiftCards.com disappeared from portals yesterday (and on iConsumer it says that the purchase can’t be tracked). This happened in February. It then took about 2 and a half weeks for giftcards.com to return to portals. It will be interesting to see if the same happens again.

Gaurav
Guest
Gaurav

Do the BankCorp cards from giftcards.com take any four digit code at first use as PIN like the vanilla cards? Thanks

Bullfrog
Guest
Bullfrog

No. When you activate on their site, they’ll give you an assigned PIN, you can change it.

Greg The Frequent Miler
Admin

GiftCards.com and GiftCardMall.com have returned to portals again. iConsumer hasn’t updated giftcards.com yet to show that it is tracking, but I’m sure they’ll fix that today or tomorrow. Yazing shows 1.5% still for giftcards.com

Sam
Guest
Sam

It’s back on iconsumer this AM.

Greg The Frequent Miler
Admin

GiftCards.com is now available through TopCashBack at the same 1.5% rate as iConsumer and Yazing.

misty
Guest
misty

Safeway Grocery Stores in my area of Denver no longer sell the $500 M/C or Visa Gift Cards.
They are only selling the $200 variety.

Ken
Guest
Ken

I haven’t seen a $500 at a Safeway around Denver in ages. When was the last time you saw one? I’m out by the airport so pretty much middle of nowhere.

Vicki
Guest
Vicki

Two days ago I tried to buy a $500 gift card at QFC with the Chase Freedom card. The bank would not allow the purchase. Has anyone been denied when trying to buy a gift card at a grocery store? I really want to spend $1500 for the 5x points!

Ken
Guest
Ken

Did you call Chase to see why it was blocked?

Greg The Frequent Miler
Admin

It’s very common for banks to deny purchase authorization attempts when the purchase is much larger or different than normal. Their goal is to stop people who may have stolen the card or the card number from using your card and getting away with lots of money. In general all you have to do is call the number on the back of the card to let them know that you still have the card in-hand and that you did mean to make the purchase.

I think you’ll find this post helpful too: https://frequentmiler.boardingarea.com/2015/01/23/bet-you-didnt-know-setup-credit-fraud-alerts-text-email/

mjm
Guest
mjm

Notify me of follow-up comments by email. Tnx

Steve
Guest
Steve

Bought $2K worth of Vanilla gift cards at CVS today at $500 each + $4.95 fee using AmEx SPG card. They scan your license – the daily limit is $2K. Worked great and paid off bills a few hours later that only took VISA / Mastercard. Didn’t love paying the fee, but worked great. Thanks for all of the advice in the blog & website!

ozzie
Guest
ozzie

may I know what type of bill payment you could pay by vanilla cards? I was trying to unload my one vanilla cards. thanks.

Steve
Guest
Steve

I used mine for a regular online bill where their payment system accepts Visa & Mastercard. Vanilla does say that the business must be US-based. As a precaution, I registered my zip code first before I paid the online vendor.

TF
Guest
TF

Just ordered 5k of Silver Visa Gift Cards from giftcardmall.com. Pending charge on Amex shows as “GIFT CARD MALL (CARDLAB)”. I made an order of Silver Visa Cards last week and got PIN enabled ones, but I see the warning here about Cardlab. I wonder if this is different from “Incentive Cardlab”?

Greg The Frequent Miler
Admin

I’m not sure. Did you get an email confirmation? When I ordered cards that were sent by Incentive Card Lab, the receipt clearly indicated that.

TF
Guest
TF

They ended up cancelling the order… Possibly because I went up to $5k from my earlier $3k order? The cancellation email did come from Incentive Cardlab

Christine
Guest
Christine

Just got 3 New Jetblue, Hilton Surpass, Regular Hilton and now Amex Platinum , get off work drive to cvs, purchase 1000 in onevan, go across street to Publix buy two money orders, drive 500ft to Suntrust deposit mo,drive 6 min home jump on computer pay cc. Worth the fee IMO

Bob
Guest
Bob

What’s onevan?

Pat
Guest
Pat

OneVanilla

Calvin
Guest
Calvin

So you’re paying $10 in fees on two $500 Vanilla Cards? That’s a little steep for the return.

Jerry Mandel
Guest
Jerry Mandel

Not steep for many miles or points on initial bonuses.

Joy
Guest
Joy

Just received the vgc from giftcards.com and went to Walmart cs to load it to serve, but it didn’t go through, tried two time one 500 and the other time 200, not sure if this is just my local Walmart or nationwide, any one has similar experience recently ?

Greg The Frequent Miler
Admin

I don’t think it’s nationwide, but I have heard similar issues from others

trackback

[…] Buy Visa/MC online and then pay bills online or via phone:  It is sometimes possible to buy Visa or MasterCard gift cards online with little or no net fee (or to earn a nice category bonus).  Then, you may be able to use those gift cards for bill payments where debit cards are accepted, but credit cards are not.  For example, you may be able to use gift cards to pay rent with RadPad, or to pay taxes for a small fee. To learn the best ways to buy Visa and MasterCard gift cards, please see: Best options for buying Visa and MasterCard gift cards. […]

rahul
Guest
rahul

Correct me if i am wrong, but loading GC’s to serve/redbird/bluebird has stopped since last few months, right?

Am i missing something here?

Moderator, please share your expert opinion and thoughts.

Greg The Frequent Miler
Admin

It stopped for everyone who had their accounts frozen, but many people have still-functional Bluebird or Serve cards.

misty
Guest
misty

Anyone know of Western Union outlets that take a credit card for purchase of
a money order?

Or…
grocery stores that take a debit or cc for a money order?

Thanks.

Ken
Guest
Ken

MOs are cash instruments, and you will never be able to buy a MO directly with a credit card. If they accept a card at all it will be debit only.

Greg The Frequent Miler
Admin

There are grocery stores that take debit for money orders, but it varies regionally as to what is allowed.

misty
Guest
misty

Thanks for the info Greg!
Appreciate it.

Jerry Mandel
Guest
Jerry Mandel

I just bought loaded VISA gift cards with new Citi Hilton credit card and, when activating them, set my desired PIN. Bought money orders at Walmart money center (NOT at a cashier) and deposited MOs into my checking account. Why mess with Bluebird? I paid 67c cash for each $1,000 MO. 75,000 bonus Hilton HHonors points + points for buying the gift cards.

Anthony
Guest
Anthony

Jerry,

You stated that you bought loaded VISA gift cards.. are they the reloadable or one time and done?

Jerry Mandel
Guest
Jerry Mandel

One and done. Hard to find reloadable ones anymore and no cost savings, anyway.

SHASHI
Guest
SHASHI

Do you mean you didn’t have to talk to cashier to buy MOs at Walmart? Can you please explain how that process works?

Jerry Mandel
Guest
Jerry Mandel

I can’t write any clearer. WM money center (NOT cashier). If you can’t find it, ask someone.

Victor
Guest
Victor

Jerry
Where did you buy the VISA GC.
Store? Online?

Jerry Mandel
Guest
Jerry Mandel

Any CVS or Kroger. $5.95 per $500 MC or VISA. In Galleria Mall (Simon), Dallas, TX service desk, $250 VISA cards for $2 fee. Max 4 cards at a time.

Kevin
Guest
Kevin

Yes, the Simon Mall opportunities are great. I quite well enjoy the $500 cards for just $3.95 in fees.

trackback

[…] allowing the purchase of Vanilla Reload cards with credit cards.  The new challenge was to find the best ways to buy Visa and Mastercard gift cards and earn miles while doing so.  Thanks to now having PINs, Visa and MasterCard gift cards could be […]

aftrhrs
Guest
aftrhrs

Subscribe. Please notify me by email of any changes or updates to this page.
Thanks!

Haze
Guest
Haze

Seem that MO can’t be issued from many places including post office. Does anyone know where to buy MO by using VGC?

SDO
Guest
SDO

Your ability to buy MO’s at the post office and other places is highly dependent on your region.

JP
Guest
JP

See March 11 post above.

Ken Brown
Guest
Ken Brown

Jerry and readers,

I am in the market for a vanilla CC that can be used for recurring charges and have a name on it that is not my own. Reloadable preferred, non-reloadable ok. Tried GiftCards.com and it was fine for non-recurring but rejected for recurring. Could you please suggest a few options?

trackback

[…] For detailed options, please see: Best options for buying Visa and MasterCard gift cards. […]

trackback

[…] For detailed options, please see: Best options for buying Visa and MasterCard gift cards. […]

Greg The Frequent Miler
Admin

Post has been (belatedly) updated as follows:
1) Removed warning about possibly getting PIN-less Visa cards from GiftCardMall. That practice seems to have stopped. Still have warning about GCM cancelling many/most orders.
2) Removed note about gift cards no longer being available in many grocery stores. Many stores have started carrying the cards again. Also Whole Foods now sells them nationwide.

Julie
Guest
Julie

I came across your article today. I just purchased 2 $300 vanilla visa gift cards for holiday gifts from CVS. Since purchasing them, I’ve read several bad reviews on them and that company. I see you said that you havent had issues with them. I’m concerned and wonder why there are so many poor reviews… any tips on how to use these to make sure they work properly? They have both been activated… thank you!

BOB
Guest
BOB

Dear Admin, For One Vanilla Debit cards at CVS,

1) Should I buy non reloadable $500 OV card for $5.95 fee or Reloadable $500 OV for $3.95 fee? Any advice AND BENEFITS OF One over the other?
—————–
2) My $500 OV I got for $5.95 fee can’t be used at WM AS debit card as it keeps going as credit card. WHAT should i do? Any way to get over this at WM to use a debit card and purchase MO?

3) Any other ways to liquidate this One Vanilla card bought from CVS? I guess i am stuck with no option to liquidate these

Greg The Frequent Miler
Admin

Julie: I wouldn’t worry. They generally work well.
BOB:
1. Most stores will take cash only for the reloadable OV. So, if your goal is to earn credit card rewards, you need to go for the non-reloadable version. Note that there are both $5.95 fee and $4.95 fee versions. Go for the $4.95 fee if you can. The benefit of the reloadable card is that it is reloadable, can be used at ATMs, etc. The benefit to the non-reloadable is that it can often be paid for with a credit card and it can be used immediately (the reloadable has to be registered with your SSN, etc.)
2. WM registers don’t like Vanilla brand gift cards as debit cards unless each transaction is less than $50. I don’t think there is any work-around other than paying less than $50 each time (which would be a huge hassle).
3. Try the PO instead.

pat
Guest
pat

How would it work at PO? Does it work as debit at PO by default unlike at WM where it goes as credit transaction every time i try to use it?

Greg The Frequent Miler
Admin

Yes it will work as debit

Mia.Nak
Guest
Mia.Nak

Reporting from Hallandale, Fl.
Unable to use my $500 Vanilla VGC from CVS (Bancorp) to purchase MO from Walmart (known issue); declined at Publix (local grocery store) and PO.
Any luck liquidating VGC lately? Please share tips! Thanks!

JV
Guest
JV

Where USPS offices accept VGC’s for MO purchase (not all do), vanilla appears to be an acceptable flavor

trackback

[…] See also: Best options for buying Visa and MasterCard gift cards. […]

trackback

[…] See also: Best options for buying Visa and MasterCard gift cards. […]

trackback

[…] For detailed options, please see: Best options for buying Visa and MasterCard gift cards. […]

M
Guest
M

The post says giftcards.com cards are issued by Bancorp, however their website has the following small print, has something changed recently?

“The GiftCards.com Visa® Gift Cards are issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.”

Ken
Guest
Ken

Mine were MeteBank from a few weeks ago.

Ozzie
Guest
Ozzie

However, Mastercard would be issued by Bankcorp.

Greg The Frequent Miler
Admin

Thank you. Fixed.

Rahul
Guest
Rahul

does it matter if issued by Metabank or Bankcorp? How and why would that matter? Can someone explain?

Eric
Guest
Eric

Some places don’t accept Metabank (ie USPS) and others don’t accept Bancorp (ie Wally).

Katie
Guest
Katie

I got a $500 VGC issued by Sunrise Banks. Would it work to get MO at either WM or PO? Pls advise.

Metabank works at WM and Bancorp works at PO.

How about this VGC i got got from Sunrise Banks?

Eric
Guest
Eric

I’ve never tried it. However, a couple of weeks ago I tried to use my Mango debit card, which is also issued by Sunrise, at the USPS and the transaction failed.

Ramzi
Guest
Ramzi

Update: “example of a credit union that offers Visa gift cards” link is dead.

Greg The Frequent Miler
Admin

Thanks Ramzi. Fixed.

Abhay Sharma
Guest
Abhay Sharma

sub

ToothMiles
Guest
ToothMiles

sub

JL
Guest
JL

Hi,

I’m a newbie and I need to spend $3500 in the next 4 weeks to meet the Chase Sapphire Reserve spending requirement. Will buying $3500 worth of visa gift cards work?

Mia Nak
Guest
Mia Nak

It all depends on your ability to liquidate those gift cards in your local stores; I couldn’t turn any GC into MO in the Hallandale area in FL. I did, however, use Plastiq to successfully meet $8000 for my Delta Skymiles cards (Platinum and Gold). Use their service, for a small fee, to send payments via check. Good luck! My Plastiq referral code: 561865 to send $200 fee free. http://www.plastiq.com

JL
Guest
JL

Thanks Mia for the reply.

Greg The Frequent Miler
Admin

Yes, that will work. If your goal is simply to time-shift spend, then you shouldn’t have any problem (e.g. buy the gift cards now and spend them over time). If you hope to liquidate the gift cards by buying money orders or other means, that will take more effort to find out what works in your area.

JL
Guest
JL

Thanks so much Greg! My goal is simply to time-shift spend, and just wondered if there’s any difference between buying Visa Gift Card and buying Store-Specific Gift Card when it comes to increasing my credit card spend to meet the Chase Sapphire Reserve SignUp Bonus spending requirement. I was suspicious because it’s involving using a “Visa” credit card to buy another “Visa” gift card.

Sam
Guest
Sam

Hey Greg, I am trying to meet Chase minimum spend…I’m just curious if there are any issues these days when buying Amex Gift cards online with a Chase Visa? Does Chase look down upon this, does it properly apply towards minimum spend? Will it raise any suspicion? I remember a while back Citi used to code them as Cash advances…

Greg The Frequent Miler
Admin

I don’t think that Amex will let you buy them with a Visa card unless you’re talking about buying them in-store (grocery, drugstore, etc)? If the latter, it shouldn’t be a problem.

Katie
Guest
Katie

I bought a $500 VGC issued by Sunrise Banks. Would it work to get MO at either WM or PO?

Metabank works at WM and Bancorp works at PO, right?

How about this VGC i got got from Sunrise Banks?

Rick
Guest
Rick

I’ve bought and used Sunrise GC at WM.

Katie
Guest
Katie

To do MO @WM with Sunrise GC? Appreciate the prompt reply.

Rick
Guest
Rick

Actually, I used GC to load Serve.

Katie
Guest
Katie

any DP on using it to do MO?

Greg The Frequent Miler
Admin

If it works for loading Serve, it should work for MO too

Susan
Guest
Susan

What kind of Serve card to get? I am
Confused with all subtypes available and want one without any fees and can be used to load money at WM with VGC/MC Gc’s

Greg The Frequent Miler
Admin

One VIP Serve is probably your best bet. More details here: https://frequentmiler.boardingarea.com/american-express-serve-types-guide/

Susan
Guest
Susan

Thanks Dear. Where can i get this “One VIP Serve” card from? Online it is not there on Serve website. Is it free to get or has one time fee?

Greg The Frequent Miler
Admin

You can signup for ONE VIP Serve here: https://www.serve.com/onevip/#one-vip-loyalty-access

Susan
Guest
Susan

I got the One VIP serve card. Thanks for your help and guidance in this matter.

One last question. Just like with BB, can i load This serve card with VGC/MC GC’s at WM/CVS?

How do i do it and is there a fee for loading Serve?

Also monthly limits?

Greg The Frequent Miler
Admin

Not at CVS, but yes at WM
There is no fee to load that version of Serve
Load limits: $2500 per day; $5,000 per month

Katie
Guest
Katie

Hi Greg, Katie here.

I tried to open One VIP Serve but got message saying ‘Sorry we cannot approve your card at this time. What the Crap is that? I had Serve that i had closed more than 4 yrs ago. Why is it not letting me open one? Any way i can turn this around? Called Serve customer service, and they were helpless and clueless.

Greg The Frequent Miler
Admin

That’s unfortunate. You may have to keep calling until you get someone who knows what they’re doing (or give up and try something else)

Aa
Guest
Aa

Notify me of follow-up comments by email

Madison
Guest
Madison

Katie,
I have two local WM stores where I purchase MOs. One works fine with Sunrise VGC, the other does not.

Linda
Guest
Linda

Does visa dining cards work

Greg The Frequent Miler
Admin

Try the fashion ones. I don’t think the dining ones work at Walmart (but I could be wrong — I don’t remember for certain)

Rhea
Guest
Rhea

1) Can you revise update the portal C.Back rates for Buying VGC and MC GC’s? I think rates have dropped significantly at GCM and GC.com

2) Are Mastercard GC’s also available at both these sites?

3) Lastly are C.Back rates same for VGC and MC GC’s at both these sites??

Bullfrog23414
Guest
Bullfrog23414

1) I’m not normally “that guy,” but have you considered posting a comment answering your own questions so that others could benefit instead of just asking someone to do it for you? Log onto cashbackmonitor, look up the rates and post.
2) Really? How hard is it to log onto 2 websites and see if they carry a product?
3) see 1

trackback

[…] Buy Visa/MasterCard debit gift cards with a rewards credit card (see: Best options for buying Visa and MasterCard gift cards) […]

Greg The Frequent Miler
Admin

Updated info about GiftCardMall gift cards

Maricel Del Moral
Guest
Maricel Del Moral

Sub

Chris
Guest
Chris

AAA cards ar $3.95 issued by Metabank. I’ve purchased $13,000 in June when there was no purchase fee for June (same time every year in our region). They are PIN enabled, but I don’t recall if I had to change the PIN or if it was the last four. Store limits vary, but they freak out over anything over $2K.

Greg The Frequent Miler
Admin

Thank you! I’ve updated the AAA section.

escot
Guest
escot

Thanks for your report Chris. Interesting that you indicate no issues purchasing vgc’s in such volume via your AAA. (MidAtlantic, no?) In my experience with the overstaffed AAA locations in central Virginia, you get hit with micro-interrogation plus very lengthy in-store processing times for each and every attempted vgc…. (plus insistent questions wanting to know how you planned to use them…. I’d usually answer simply, “for travel purposes” — but felt like I was getting the “guilty until proven innocent” treatment — even though I rarely bought more than 1 per month)
Recall past reports then of AAA banning (sic) its own members from purchasing VGC’s…. with doing volume well below your report.
If AAA has eased up in this realm, I might consider re-joining AAA.

Jerry Mandel
Guest
Jerry Mandel

Does anyone know any place in the Dallas, Texas area that will sell money orders using loaded gift/PIN cards?

Iffy
Guest
Iffy

Walmart

Jerry Mandel
Guest
Jerry Mandel

I meant ANY place in Dallas Area. If WM would work, I wouldn’t have written. I’ve tried WM, drugstores, grocery stores, gas stations,USPS, …………

Lexi
Guest
Lexi

Does Safeway on West Coast sell MO like WM? If yes same as WM with max of $1000
(Split with 2 of $500 VGC each? Fee charges?

Jia
Guest
Jia

I got an email that iconsumer is providing 9% cashback on giftcards.com till 10/31/17.

Can you confirm/update/provide more details about the same?

Here is copy/paste of my email…..what does this language mean? Anything tricky?
==========================================================================
Increased Cash Back

3.6% Cash Back – Total 4% Rebate

.9% Cash Back – Total 1% Rebate

Offer Good Through
October 31, 2017

escot
Guest
escot

Jia….. Would that you were right, but suspect you’ve misread the message. Cashbackmonitor only has iconsumer paying out a paltry (.)9 — as in less than one percent, plus the (.)1 percent (as in .001) in currently meaningless iconsumer stock. 1% total.

Where are you getting 4%?

Jia
Guest
Jia

Sorry 4% is for Gap i think.

Oops it is 0.9% and not 9%. My bad. Glad i did not pull the trigger and buy from there yet.

GC.com gives 1% CB at other websites too right? Like TCB.com for visa GC’s?

Does Mastercard give 1% or 2% there at gc.com?

Puja
Guest
Puja

I just bought $500 MC Gc from GC.com issued by Metabank

However they keep registering at WM as CC Instead of DC to buy MO

Any recent changes or issues with y’all regarding the same?

Greg The Frequent Miler
Admin

Did you try the trick of quickly cancelling the transaction and changing payment type to debit? This is a known thing that you need to do with Mastercards at Walmart. See the mastercard trick, here: https://frequentmiler.boardingarea.com/visa-gift-card-pins-and-example-uses/

Riya
Guest
Riya

Any one having issues placing order with giftcarmall.com?
I have placed orders smoothly till last month and suddenly this month, website is giving issues. Despite trying different borwsers and different CC’s, error keeps coming when trying to purchase saying ‘Order cannot be processed, transaction declined, could be credit card issue”

Called their customer service and they said they have been getting calls about the same…????????????

Do share your experience, and inputs/suggestions.

Ken
Guest
Ken

It’s GCM, people are banned for no reason at all plenty of times. I’ve moved to another state and still am banned. I bought a single $200 GC form them years ago.

escot
Guest
escot

Yep, that was the line I heard for nearly a year — the lower level reps telling me that they couldn’t tell me what the problem or “reason” was. When I’d ask for supervisors, they were trained to be polite, to sympathize, but that there was nothing that they could say…. (that the decisions were made in another department)

BUT all that seemed to change (at least for me), when one sympathetic supervision suggested the “level 2 review” — AND I was assured that I would actually get a call back from someone who really could work with you to figure out what the problem/reason was. (and more often than not for me, each time a block appears, it’s usually something trivial — yet not self-apparent)

Yes, it’s a super pain dealing with gcm…. and they deserved all the disdain and barbs they get. (though I gather that bad reputation may be part of the reason this “level 2” process is now supposedly available)

kavz
Guest
kavz

BEWARE OF GCM, Fraud company. I purchased 3 cards of $500 each and selected free shipping. Cards never arrived and were lost/stolen in the mail………..Filed dispute with GCM and they asked me to file dispute with visa network since these are visa cards…………………turns out they said cards were already used/balance drained on all 3 by someone else who got their hands on my cards…………refused to help me outright……..Hence forcibly i filed dispute with Amex as i had used Amex CC for the order………..guess what, while Amex is investigating this……….fraud GCM sent me 3 replacement GC supposedly for $500 each and notified AMEX to close their investigation as they had fulfilled the order………….hence AMEX closed their investigation………

TO MY UTTER SHOCK, ALL THE 3 GIFTCARDS SENT AS REPLACEMENT CARDS BY GCM HAVE ZERO BALANCE, YES ZERO FREAKING BALANCE………..When i called GCM about it, they said they will look into it…………….and even WORSE…………when i try to look up the card balance online, the numbers do not even register or are recognized by GCM website…….

hence i have reopened DISPUTE with AMEX AGAIN…………

Bottomline, stay away from GCM, as in greed to get 2% CB on your order, you will end up losing like $1500 like i stand to lose, at this point of time………..

Any suggestions/inputs on how to recover my $1500 is welcome……Thanks

escot
Guest
escot

Apologies in advance if anything I write here is redundant to earlier posts.
I’ve had better luck over past six months buying vgc’s (custom $500) via gcm, including this month, but it’s always an upsetting adventure….. Among the things that have helped for me:

1. If you’ve encountered problems, consider what you might have done that “changed.” Not that you did anything “wrong,” per se, but you might have done something major/little that prompted a mindless robot block…. Did you suddenly do a lot more volume? Different browser, different computer, location? (More below)

2. NEVER use Google Chrome for GCM transactions. Maybe it’s just the set up on my machine. (though it is the latest this and that) But for me, Firefox works; Chrome NEVER works. (Some reps at GCM will affirm this; others flatly deny it. I affirm it.)

3. Use the same credit card. GCM’s nasty “algorithms” are so intrusive that they will (mindlessly) sneeze and block at any change. (If you must change, as I will soon, do the first transaction with the new card very modest/small. If it fails, as it likely will, call GCM customer reps. If first level can’t “fix it,” ask for a level #2 review/inquiry/help. If you’ve been a good customer in the past, that will get their attention.)

4. Never change your email address on the account. I went for the first half of this year unable to buy anything with GCM, despite having had a few successes end of last year. Clueless, I “reasoned” that if my previous account went “bad,” then set up a new one. (with new email, but same me, address, credit cards, etc.) Bad move. Took me over half a year to figure out this had become a critical problem, getting me blocked everywhere. (thanks to a level #2 rep.)

5.Don’t get angry. (preaching to myself here) Patience. If the first GCM rep. you speak with comes across as a battle axe who treats you like a criminal, politely end that call early, wait a few days and call back…. Be patient, yet persistent; you’re really NOT a criminal. (though the GCM system, like paypal, can make you feel like one, where you’re presumed “guilty” of something, until you can “prove” your innocence.)

6. If first level rep. can’t help, DO ask for second level review — and ask specifically for them to call you. (worked wonders for me last summer when one second level rep. heard my saga — then suggested I go back to that account from last year that I’d moved away from…. then she worked with me, monitored my attempts live…..)

7. GCM reps. may not be impressed when you tell them you have no problems doing transactions with their “sister” company GC’s.com . (Some might take that as extra cause to push for a level 2 inquiry, but even at that level, some will darkly snark back at you claiming well “that’s because we’re better at security than they are….” If you encounter that “attitude,” smile/laugh and call back another time.)

8. It’s worth the aggravation…. I can confirm that GCM is paying out significantly more than GC’s. (twice actually — though you will wait a lot longer for it)

escot
Guest
escot

Remind me never ever to waste my breath like this into such a wasteland.

Nobody here gives a damn really. Take me off this miserable list.

Lin
Guest
Lin

Walmart

Artie
Guest
Artie

i care

Julian
Guest
Julian

I got $500 VGC from local grocers store issued by US bank. Earlier i was aboe to liqudate them at local PO for MO. But that avenue is closed. Where can i liquidate these cards (have 6 of them) now? Please help this Lad in Distress…..Sighs

M
Guest
M

Walmart.

Prem
Guest
Prem

Guys I bought 4 MasterCard GC’s of $500 each from Croger. Where do I liquidate them?

WM red button cancel trick to change as debit is one option right?

However do they work at Croger MO too, itself?

Gaurav
Guest
Gaurav

Yes, obviously not in the same interaction though.

Jerry Mandel
Guest
Jerry Mandel

Use gift cards to prepay utilities and other monthly bills. Get it back from no monthly payments.

Amanda
Guest
Amanda

‘Get it back from No Monthly Payments”? What do you mean, pls explain.

Jerry Mandel
Guest
Jerry Mandel

I can’t possibly write it any clearer. Your prepaid credits will take care of monthly bills.

Amanda
Guest
Amanda

That would be quite dumb, though. I would use credit cards to pay utility bills and earn points/rewards on that spend.

Why buy giftcards with credit cards and then use giftcards to pay for something i could use my CC to pay for?

Jerry Mandel
Guest
Jerry Mandel

Amanda-You didn’t note to whom my reply was directed. It was for the one who was *already* stuck with gift cards and needed help to use them.

Gaurav
Guest
Gaurav

@Amanda, also there are plenty of utilities do not take credit cards.

Jerry Mandel
Guest
Jerry Mandel

Is Croger same as Kroger? If not, what is it?

Shane
Guest
Shane

giftcardmall has $500 visa cards available, instead of the $250 as earlier mentioned. Has anyone been able to purchase these?

Greg The Frequent Miler
Admin

Thanks for pointing this out! Updated post.

Lin
Guest
Lin

Yes been buying them for months

trackback

[…] course, there are still plenty of options for buying Visa and Mastercard gift cards, and GiftCardMall has had some good sales […]

trackback

[…] See also: Best options for buying Visa and MasterCard gift cards. […]

BG
Guest
BG

1. Unhappy DP from staples.com. I test-purchased a $300 GC online with my Chase Ink Business Preferred, expecting the 3x bonus rate, but chase.com reports it only earned 1x as “all other.”
The bonus works fine for things like Travel. Anyone else seen this at Staples? Is it likely to be the same in-store?

2. While ApplePay is a 5x category for Freedom this quarter, has anyone found a store (preferably in NYC) that accepts it for gift cards?

Lisa
Guest
Lisa

I apologize if this has been covered before, but OV visa and MC gift-cards are issued by Bankcorp . Where can they be liquidated after purchase?

Sideshowbob
Guest
Sideshowbob

Either Dollar General or Family Dollar will load them onto Amex Serve cards. Walmart will not for over $49.99

Rahul
Guest
Rahul

The cashback portal TCB.COM is showing VGC from GC.com and Giftcardmall.com earning cashback now, but at lower 0.75% now. Can someone reconfirm? Is Giftcardmall.com earning 2% or not, like in past?

trackback

[…] rewards. You can read more about this in our Manufactured Spending Complete Guide. See also our Best Options for Buying Visa and Mastercard Gift Cards for more information on which cards to purchase at various stores as well as which category […]

trackback

[…] See also: Best options for buying Visa and MasterCard gift cards. […]

Jerry Mandel
Guest
Jerry Mandel

Buy VISA/MC cards to pay bills? Silly to pay the gift card fees. Just use your new credit cards to prepay monthly bills for signup bonuses and get it back from no monthly payments for some time. Note: No place in Dallas, TX area will sell money orders using PIN-enabled gift cards. Sad.

Kalifa
Guest
Kalifa

Croger not Kroger

Chris
Guest
Chris

AAA will shut you down for volume and you have no recourse when that happens.

Colabus
Guest
Colabus

Nick –
You need to update the reply stream: Ahold stores (Stop& Shop, Giant, etc.) DO accept CCs when purchasing VGC or MC. In addition, many times through-out the year you can can get multiple times gas points when buying GCs, such that I got many full tanks of gas for just the activation cost of the gift cards, besies getting the points Also, besides getting multiple points with certain CCs at grocery stores, AMEX Hilton Ascend will key as grocery and acrue points toward a free weekend night, as opposed to buying GCs at Simon where they don’t.

Sophie
Guest
Sophie

Isn’t it still possible to buy visa/mc gift cards in person at Office Depot for 5x pts with Ink Cash/Plus? I know you obviously don’t get a portal bonus, but you didn’t list this as an option under the “in-person” category. Is this not an option anymore?

Mike
Guest
Mike

yes that is still possible anytime. Good deal when they offer fee free or reduced fee (has been $1.95 per $200). YMMV on how many you can buy. I’ve generally been able to buy $2,000 total, although on these deals the terms say limit one and a manager once limited me to one card.

Mike
Guest
Mike

I’ve read a few places in comments that the Vanillas can now be used to load serve/Bluebird at Walmart without the $50 limit. Is that YMMV?

P-nope
Guest
P-nope

My only option is Safeway if it’s in person. Only giftcards.com online.
But Safeway has not restocked their variable gift cards in over 4 weeks. The remaining ones in stock are dwindling. Very few people seems to be buying them in my area, but in a couple of weeks, they’ll run out.

Denise
Guest
Denise

Has anyone tried buying Costco Cash Card and cash out at a register? I have called a local Costco and they said OK. There’s no card fees, shipping or taxes. And we can buy up to $1000 per card. As far as I know, California is one of the states that allows cashing out. “Any gift certificate sold after Jan. 1, 1997, is redeemable in cash for its cash value or subject to replacement with a new gift certificate at no cost to the purchaser or holder” .

trvl4fs
Guest
trvl4fs

This is the key: “or subject to replacement with a new gift certificate…” It the balance is $10 or more, they are not going to give you cash, in my experience. Would love to hear about contrary date poitns.

rysn
Guest
rysn

Has anyone tried buying the $200 vgc at staples and use it to pay your credit cards bill at Walmart? Is there a fee to do that and is it a good method to ms?

Thanks

Jkwon
Guest
Jkwon

Yes. You can pay to Visa or Mastercard with $1.5 fee up to 4 payment cards(4 gift cards) at once.

Kalifa
Guest
Kalifa

Known to trigger shutdowns with banks you are paying….see Pointchaser.com for more info

bill
Guest
bill

i keep having my order cancelled by giftcards and giftcardmall. Has anyone else encountered this and were able to resolve it? I called their help desk which was an effort in futility. They just said keep trying a different card or email and make sure your billing address matches. 6 failed attempts. Any suggestions?

Anonymous
Guest
Anonymous

I bought a Visa gift card from USA Connect and it expired in 12 months. The company took the entire amount of the gift card, not just a small fee. Is this common?