Gift of College gift cards appearing in more stores

For those saving for college, helping others save for college, or paying off student loans, Gift of College gift cards are a way to do so with a rewards earning credit card.  If you load the card with the maximum $500, the $5.95 purchase fee amounts to 1.19%.  Since many credit cards offer substantially larger rewards, this can be a great way to earn points, miles, or cash back.  Full details can be found here: Pay student loans or 529 plans with a credit card!

Now Available

Gift of College gift cards have been available at Toys R Us and Babies R Us stores since November 2016.  Now they are starting to appear in other stores:

Coming Soon Eventually?

Gift of College gift cards were expected to appear nationwide in Best Buy stores in the summer of 2017, but they never appeared.  Will we ever see them there?  I have no idea, but will obviously post to the blog if they do.

Why this Matters

There are a few reasons that I’m excited about Gift of College gift cards appearing in more locations:

  • Availability: Not everyone has Toys R Us stores nearby
  • Category Bonuses: I’m not aware of any credit cards that offer bonus points for toy stores as a standard perk, but grocery store bonuses are common.  Pharmacy bonuses are common with cards that offer rotating category bonuses (e.g. Chase Freedom and Discover It).  See: Best Card for Grocery, Gas, Drugstores, Travel, Dining, More…
  • Store Rewards: Most stores do not give rewards when buying gift cards, but some do.  We don’t yet know if any of the stores listed here will offer such rewards, but we can hope!
  • Linked Rewards: Some rewards programs link to credit cards and automatically offer rewards when purchases are made at certain locations.  We’ll keep an eye out for these opportunities going forward.

Last updated on March 31st, 2019

About Greg The Frequent Miler

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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Brian
Guest
Brian

My wife is finishing her undergrad now and then off to grad school starting next summer. I have no experience with 529 plans. Would I be able to buy these, load to account and then immediately pay the college? Thanks

Beth
Guest
Beth

Yes you can set up a 529 plan for anyone, including yourself.

James
Guest
James

Wow, great info!
Looks like a really convenient way to MS going forward.

James
Guest
James

Interesting… going back to read your original, it also looks like I can use it to pay off my student loans that way. Veeery interesting. I’ll keep all of this in mind.

Nadine Perry
Guest

Hi James,
25% of our gift cards are redeemed into student loan accounts. I expect that percentage to increase given the new crop of grads.
Good Luck!
Nadine

Joe
Guest
Joe

@ Nadine. Any feedback you share on this tread about additional stores where GofCollege can be purchased. Office Depot / Office Max – Gas Stations – Drug Stores (CVS) are the bomb in the credit card world. https://frequentmiler.boardingarea.com/best-card-category-bonuses/

Amol
Guest
Amol

If BBY gets them, may be worth grabbing a Best Buy card with 5-6% rewards towards tech items. Also good for Amex Offers in-store (unfortunately my current 2X MR is for online only)

FinancePatriot
Guest

You can not only buy these, and deposit the money into a 529 plan, but you can immediately withdraw the money without any tax penalties.

Only 529 earnings are taxable, with a penalty, when withdrawn for something other than college expenses. If you happen to withdraw principle, there are no taxes on that principle or penalties.

Essentially, you can use this to manufacture spend. Here is where we have our college savings plans at, with very low minimums and very user friendly. https://www.collegesavingsiowa.com/

I am not an Iowa resident, you can choose any state’s plan. I chose Iowa since it’s linked to upromise and the state I live in, TN, has no state income tax, so there is no state income tax deduction for contributions.

Adam
Guest
Adam

I just product changed my old worthless rewards US Bank credit card to the Cash+ card with 2x and 5x categories. Educating myself on the different bonus categories I see that Best Buy is listed as a merchant under the Electronics Store 5x category. It has a quarterly maximum of $2000, but this is great for paying down debt or investing in your own or someone else’s education with a 529.

I REALLY hope US Bank doesn’t see this as abuse and shut down any accounts over it.

Matt
Guest
Matt

If I buy a $500 card and only have 1 student loan account, does it all have to be applied to the loan at the same time?
Basically, can I use a $500 card to pay $200 per month?

Joe
Guest
Joe

@Matt. From my experience with 529s the full $500 is loaded in one go. I had hoped to split between accounts but I have only been able to process the full $500.

Adam
Guest
Adam

@Matt and @Joe, I did some Googling and found that you can only redeem the full amount of a gift card and it all goes to one account. If you have multiple loan accounts under one servicer then the payment appears to be split among the various loans in a nonsensical manner, but someone was able to call and sort that out later. Look in the long comments section of this link for more details: https://www.reddit.com/r/churning/comments/640mgv/guide_to_paying_student_loans_with_credit_cards/?utm_source=amp&utm_medium=comment_list

Joe
Guest
Joe

Thanks Adam. I am actually saving in 2 529s so I just have to figure out which one I want to hit and update a tracking spreadsheet I have. On the loan side I would just “pre pay” a loan (assuming you can float it) and hit the loan in some cycle which makes sense for you.

trackback

[…] Gift of College gift cards appearing in more stores by Frequent Miler. Having them hit Best Buy stores will be huge for a lot of readers. […]

Robert
Guest
Robert

If I were to buy a Gift of College card to pay for my girlfriend’s student loans (and she pays me back) with my credit card, are there any problems with doing that?

Joe
Guest
Joe

Robert,

Not at all.

Joe

ucipass
Guest
ucipass

Gift tax….

Adam
Guest
Adam

It’s not a gift if there’s intent to repay, as far as I know.

ucipass
Guest
ucipass

I would check with my attorney as you could get into some serious trouble if you play a game with this. There are several articles out there for gifting “529” money. Gift tax hits youeven when you do a generational wealth transfer from person to grandchild. After reading this, there is no way I would fund an account that is not in my name or in the name of one of my immediate family members. Definitely not for a “girlfriend”.

Craig
Guest
Craig

For a data point. I tried to purchase a Gift Of College gift card at Fred’s in Hoover, AL. These cards were new to them so there was some concern ab out letting me out $500 on 2 cards but eventually let me try. The cash register was to be hard-wired to let cash only sales. I doubt if they will get many sales that way!

Nadine Perry
Guest

Hi Craig,

Sorry to hear. I am forwarding your message to customer support to contact the Freds team.

Nadine

Nadine Perry
Guest

Hi Craig,

We’ve contacted Fred’s and requested that they accept credit/debit cards for payment toward gift cards. ‘Cause peeps don’t walk around with 1k of cash in their pockets.

Seemed like a no-brainer to us. Sorry for the crazy.

Nadine

Nadine Perry
Guest

Hi
Fred’s is now accepting credit card payments for gift card purchases! YEAH!

Have a great day,
Nadine

Julie
Guest
Julie

Will funding 529 plan through gift of college GC be state tax deductible?

Nadine Perry
Guest

Hi Julie,

Using our gift card and registry doesn’t change any state tax breaks you may receive.

Happy Monday!
Nadine

Julie
Guest
Julie

Thanks for the reply, Nadine. So, I guess the answer is it is state tax deductible.

Nadine Perry
Guest

Hi Julie,

State regulations vary, so let’s look up your 529 plan and see what benefits are available. We have some 529 comparison tools you can use at
https://giftofcollege.com/calculators/529-comparison/

Here to help,

Nadine

Adam
Guest
Adam

@Nadine or anyone else who knows, when can I expect to see these wonderful cards in Best Buy stores?

Nadine Perry
Guest

Hi Adam,

When we have a firm date, Greg will shout it out! Currently we are scheduled and looking forward to roll out in mid-summer /so July.

Nadine

Andrew
Guest
Andrew

Hi Nadine,

Any update? July has come and gone! This will be especially helpful since the online merchants now all limit to $200 or $300. $5.95 fee on that is steep.

Nadine Perry
Guest

Hi Andrew,

As soon as I have an update on BB I will shout it out. Thanks for your patience.

Nadine

LVMike
Guest
LVMike

I purchased gift cards at Toys R Us last month and just tried to redeem them online. I’m getting an “Invalid Giftcard or Balance is $0.00” error for both cards.

I have the TRU receipt, that clearly shows that the cards were activated.

There are several groups of numbers above and below the bar code on the back. Is the gift card number the 19 digits above the bar code, the 30 digits below the bar code, or the 10 digits at the very bottom right corner? (I want to make sure I’m not entering the wrong digits, but have tried several combinations with no luck). The TRU receipt lists the last four digits below the bar code (with the preceeding numbers xxxxxx’d out).

It’s also frustrating that there is no number to call in and check balance, activity, etc.

Mike

Nadine Perry
Guest

Hi Mike,
Christine just shot me a note to say you are all good to go. I am so happy we could work together to get this fixed.
Have a wonderful day.
Nadine

LVMike
Guest
LVMike

Thank you so much Nadine! I really appreciate you and Christine getting things straightened out and for your fast, responsive customer service!

Just to explain for everyone else…the Gift of College gift card system had a temporary glitch yesterday which gave errors when attempting to redeem. By this morning, everything was fixed and my card redeemed for the correct amount with no issues.

Also, the gift card number is the standard 19 digits above the bar code (next to the scratch off pin).

Mike

Nadine Perry
Guest

Anytime Mike. Have a wonderful weekend.

Nadine

Nadine Perry
Guest

Hi Mike,

I’m sorry to hear about your difficulty to redeem the cards. Please call our support line 877-244-6630 and leave a brief message with a call back number. I will shoot Christine (in support) an email tonight to let her know you’ll be calling.

Thank you for your patience,
Nadine

ADAM N
Guest
ADAM N

I’m having the same issue today. Who do I call?

Nadine Perry
Guest

Hi Adam,
Please call our support line 877-244-6630. I will shoot Christine (in support) an email also letting her know you’ll be contacting her.

Best,
Nadine

trackback

[…] Gift of College gift cards appearing in more stores […]

ezra
Guest
ezra

Thanks for adding this post. I have loans already that I want to pay off with these gift cards. I bought a $25 digital gift card initially just to see if it works and if it was coded as a purchase with Chase’s Sapphire card. It was!

I just have a question — is there any limit to how many gift cards you can redeem? For example, if I wanted to make a payment fo 2500, can I get 5 gift cards of 500 from Toys R Us and redeem them all at once?

Thanks for all your help!
Ezra

Nadine
Guest

Hi
There is no limit on the number of gift cards you can purchase.

Best,
Nadine

ezra
Guest
ezra

Awesome! Thanks so much!

katie
Guest
katie

@Nadine, when will Gift of College gift cards be available for purchase at H-E-B Texas Grocery? It has not yet available at our local HEB in Pearland, Texas. Thanks in advance!

Nadine Perry
Guest

Hi Katie,
Only 40% of the stores in Texas have received shipments. I am told that all the stores should be stocked by the end of the month.

Thanks for your patience and have a wonderful weekend.
Nadine

Nadine Perry
Guest

Hi Katie,
I will check into when the Pearland store is getting a shipment. Give me a couple days on this one.
The week is flying by.
Best,
Nadine

iwantmoremiles
Guest
iwantmoremiles

Do any Best Buy store have these yet?

Nadine Perry
Guest

Hi
Sorry no we are not in Best Buy yet. Will keep you updated on the roll out dates.

Happy Friday,
Nadine

Alex
Guest
Alex

Hi Nadine. Thanks for all the updates. Any chance you have an eta on best buy arrivals? Thanks again!

Alex

Nadine Perry
Guest

Hi Alex,
Sent a note over to operations to see what the new ETA is…will provide an update as soon as I hear.

Happy Friday,
Nadine

katie
Guest
katie

Hi Nadine,

Thanks so much for your prompt response. Would you please also check the status for HEB store in Friendswood, Texas? Thanks so much and have a great weekend!

Craig
Guest
Craig

Than ks for the update on Fred’s taking credit cards now.. I got two today.

Nadine Perry
Guest

That’s great news!
Nadine

Ari
Guest
Ari

Any DP’s if Toys R Us gc’s can be used to purchase these. Have a few lyign around I’m not gonna be using.

Kira
Guest
Kira

+1 to this. The current sale on Babies R Us gift cards would be a great way to stack 15% off your student loans.

E.S.
Guest
E.S.

Glad to report the Gift of College technique is working perfectly for me! I am now able to hit my minimum spend to get the 50k miles on my new Chase Sapphire Preferred card (I probably should have gotten the Reserve card instead).

But moving forward, I have a question which requires some financial savviness. I have been able to save up (and some family helped) around 25k to pay off my student loans. After using my CSP card to pay 4k of that, I now need to spend the remainder 21k to pay down the rest.

SOO what should my strategy be? Take out one more card and hit a the minimum spend to get the bonus points? Do that a few times? Don’t take out another new card? Help?

– E.S.

Nadine Perry
Guest

Congratulations on paying down your student loan debt–it must be a huge relief.

Best,
Nadine

e.s.
Guest
e.s.

Thank you! Huge relief indeed!!

Vanessa Velez
Guest
Vanessa Velez

can anyone confirm if Navient, my loan servicer, will accept this?

Nadine Perry
Guest

Yes Navient is one of the many loan servicers to choose from, specifically. Navient FFELP and HEAL, Private and US Dept of Ed.

Have a great day!
Nadine

Vanessa Velez
Guest
Vanessa Velez

thank you for your fast reply Nadine. can you tell me how much the fee would be? i see that the maximum amount we can get from the website is only $200

Nadine Perry
Guest

Hi Vanessa,
It would be most practical to buy the gift cards at retail in $25-500 increments. May I ask in what city/state are you located?
Nadine

Vanessa Velez
Guest
Vanessa Velez

I am from California. I have not gone to a store to check if you have them yet but I was looking at the online and see that you only have up to $200

Nadine Perry
Guest

Hi Vanessa
The $500 gift cards are in all the ToysRus and BabiesRUs retail stores in California. They are the cobranded version w/ ScholarShare 529 BUT you can use them for any 529 plan or student loan account.
Hope that helps,

Nadine

Ian
Guest
Ian

Hello Nadine,
Do you happen to know where the cards are stocked in Arkansas? I was unable to find them at babies r us.
Thanks!

Nadine Perry
Guest

Hi Ian,

Here are the locations in your state:
Arkansas
http://weeklyad.toysrus.com/ToysRUs/Entry/Locations/

4166 N. COLLEGE AVENUE, FAYETTEVILLE, AR
5609 E. ROGERS AVENUE, FORT SMITH, AR
11500 FINANCIAL CENTER PKW, LITTLE ROCK, AR
4239 E. MCCAIN BOULEVARD, NORTH LITTLE ROCK, AR

Which one are you closest to?
Nadine

Ian
Guest
Ian

11500 FINANCIAL CENTER PKW, LITTLE ROCK, AR

Nadine Perry
Guest

Hi Ian,
I have contacted our operations team to work with TRU to deliver inventory to stores that have sold out.
In the meantime the only way to find out if a store has any in-stock is to call the store manager at the store directly and mention that they would be at the register, in the gaming area or behind the customer service desk.

I will reply back with more information to the community when I hear back from TRU.
Nadine

Ian
Guest
Ian

Hello,
I checked at the financial center pkw location in little rock and the manager said she could not accept credit card.
Do you know any other retailers in little rock that do accept credit card?

Nadine Perry
Guest

Hi Ian

I haven’t heard any TRU that doesn’t accept credit cards for gift card transactions. This is a first. Let me send this ? over right away….cause this seems unreasonable. People do not walk around with hundreds in cash.

Nadine

JP
Guest
JP

Sub

HS
Guest
HS

Hi Nadine,
Could you tell me where in Albany, NY I can buy physical GOC cards? I have visited Toys R us many months ago and could not find any stock. Would I be able to purchase them with credit cards as well? Thank you.

Nick Reyes
Editor

Hi HS,

I was at the Albany store a couple of weeks ago and they still didn’t have them. I haven’t seen them in the Capital Region.

Nadine Perry
Guest

Hi

I will check in with operations on locations in/near Albany and why they aren’t available.

Back at you soon!
Nadine

Nadine Perry
Guest

Hi
I just spoke with Dawn at the Clifton Park ToysRUs and she confirmed that she has the Gift of College gift cards in stock!

Address: 17 Clifton Country Rd, Clifton Park, NY 12065
Hours: Open today · 10AM–9:30PM
Phone: (518) 383-0188

Success 🙂

Groovy Tuesday,
Nadine

Nadine Perry
Guest

Hi
I just spoke with Dawn at the Clifton Park ToysRUs and she confirmed that she has the Gift of College gift cards in stock!

Address: 17 Clifton Country Rd, Clifton Park, NY 12065
Hours: Open today · 10AM–9:30PM
Phone: (518) 383-0188

Success 🙂

Groovy Tuesday,
Nadine

Nick Reyes
Editor

Thanks, Nadine! That’s great news! I hadn’t even realized there was a store in Clifton Park. Good to know!

Nadine Perry
Guest

Also I should mention, each store carries appx 50 cards and could be out of them OR the store manager has put them behind the customer service counter. So there ya go.

N

Elinor
Guest
Elinor

I cant find the cards in Pittsburgh (I live just north of the city). I stopped in Best Buy and also Toys “R” Us and babies R us. When I asked for the gift of college gift cards people looked at me like I had three heads! Any idea if they’re gonna be offered in my area anytime soon?

Amol
Guest
Amol

The cards are definitely in Pittsburgh — never seen them at Ross Park or Monroeville but have had success at Cranberry and Robinson.

Elinor
Guest
Elinor

Really? I was looking at those stores in Cranberry. Which ones did you see them at? Now that I think of it, one of the women at Toys R Us said they had them a while back and shipped them all back to the company a few months ago.

Amol
Guest
Amol

Interesting – it’s been a few months since I was at Cranberry but they were near the video game section in the front. I was at Robinson more recently and definitely saw them there.

Nadine Perry
Guest

Hi Elinor,
They should have received a new shipment by now. It’s best to speak to the store manager and they are usually located at the register, near gaming gift cards, or at the customer service counter.
Best,
Nadine

Elinor
Guest
Elinor

Nadine was it the Toys R Us or the Babies R Us in Cranberry Township? Can you please confirm before I go up there again?
Thanks!

Nadine Perry
Guest

Hi Elinor,
I have contacted our operations team to work with TRU to deliver inventory to stores that have sold out.
In the meantime the only way to find out if a store has any in-stock is to call the store manager at the store directly and mention that they would be at the register, in the gaming area or behind the customer service desk.

I will reply back with more information to the community when I hear back from TRU.
Nadine

Elinor
Guest
Elinor

Hi Nadine,
Update on my search for the cards. I stopped at TRU this afternoon and, just like you said, the cards were sitting in the gaming area. I would suggest that you guys see if they can be more visible for folks to purchase. I would never go back to that section to look for a gift card. And when I checked out, i asked an employee if she knew about the cards and she had no idea what I was talking about….

Nadine Perry
Guest

Yes it’s unfortunate that TRU only has a couple of places for our card to be placed. And a lot of the employees are not clued into the gift cards for sale since that is usually something handled by the manager or assistant manager in the store.

And we are working on brand awareness everyday. Thanks for going back to look and I am glad you found them.

🙂
Nadine

Frank
Guest
Frank

Nadine,
I live in West Los Angeles and just came back from the TRU store off La Cienega where they told me they stopped selling the cards within the past two months because of some problem with them not ringing up properly on their cash registers. Do you know anything about this? Is there any place in the West LA area to purchase the cards?

Nadine Perry
Guest

Hi
In your state we see a card that has been cobranded with “California ScholarShare 529”. Although you may use the card for any 529. We also cobrand in CT, and VA now.

A couple of months ago less than a dozen stores out of 200+ received a shipment of generic cards and had to send them back. This may be what they’re referring to.

All the California stores are stocked with the cobranded version of the card by now. You shouldn’t have any problem finding them there.

Best,
Nadine

Frank
Guest
Frank

Thanks for the quick response. Perhaps you need to double-check with the Toys ‘R Us/Babies ‘R Us store on La Cienega in WLA, however, because they aren’t carrying the ScholarShare card, either. I was just there yesterday. The next closest store is miles away, so there are no other outlets nearby, unless you are actually going to be able to get the Best Buy stores to stock the cards anytime soon.

Frank

Nadine Perry
Guest

HI Frank,
I am passing your note along to ops. California stores carry the cards but more than likely have sold out. ScholarShare has had a huge impact with their marketing campaigns and promotions of GoC.

And yes BestBuy is onboard and we are waiting on delivery dates.

Nadine

Katie
Guest
Katie

Hi Nadine,

Any updates on availability at HEB and Toys ‘R Us/Babies ‘R Us stores in Houston, Pearland and/or Friendswood, Texas? Thank you!

Nadine Perry
Guest

The best way to find out if the TRU store has the card is to ask the store manager if they have inventory. They are placed at the register, or in the gaming area, or behind the customer service desk.
If they are sold out — they should receive a shipment in the fall.

All H-E-B stores are expected to carry the cards, I am checking in to see what % of stores have received them to date. Those placements are at the register with special signage 🙂 /happy to say/

Nadine

diomaiuti
Guest
diomaiuti

Since this seems to be the only place around discussing GoC cards and their availability in the wild, I thought I’d add this data point:

Stopped in to the TRU store in Bel Air, MD and looked for the cards, but couldn’t find them. Asked at customer service, but she had never heard of them. She did walk me over to the gift card rack though, and voila! there they were! I was allowed to charge the full $500 to a credit card with a current spending bonus. (It seems that any GC over $150 needs manager override, but the mgr didn’t blink at my transaction 😎 )

Took it home and applied it to my loan about 20 minutes later. I plan to return, so please, Nadine, make sure the Bel Air store gets a shipment of cards… TIA!

Nadine Perry
Guest

That’s wonderful.

Happy Friday and thank you for sharing!

Nadine

Chris
Guest
Chris

subscribe

Shannon Donaghe
Guest
Shannon Donaghe

I noticed you mentioned TRU has hard coded their registers to not allow TRU gift cards to be used to purchase other gift cards. Is this also true for BabiesRU stores as well?

Shannon Donaghe
Guest
Shannon Donaghe

Are the GofC cards at Best Buy yet?
If so, can you use Best Buy GC’s to purchase GofC cards?

Nadine Perry
Guest

Yes this is a TRU/BRU policy. Sorry for the news.

Best,
Nadine

Nadine Perry
Guest

Hi Shanon,
We are not in BestBuy yet…but when we land Greg will happily shout it out to the community.
I am not privy to the sales policies regarding card purchase yet.

Stay tuned,

Nadine

SF
Guest
SF

Are the giftcards in HEB’s Central Market branded stores as well?

Nadine Perry
Guest

Hi
So finally a list of H-E-B stores that carry the GoC gift card. Thank you so much for your patience! I do not know if any of these are branded as Central Market stores but at least you can find a store near you 🙂

Best
Nadine

Address City
2150 W. Washington Stephenville
4031 East Hwy 83 Rio Grande City
5401 South FM 1626 Kyle
165 NW John Jones Dr. Burleson
19337 McDonald St Lytle
24224 Northwest Freeway Cypress
11521 North FM 620 Bldg A Austin
925 10th Street Floresville
4100 South New Braunfels Ave. San Antonio
901 W Expressway 83 San Juan
2509 North Main St Belton
3025 North Dowlen Road Beaumont
3301 Sherwood Way San Angelo
9828 Blackhawk Blvd Houston
1145 Waldron Road Corpus Christi
2805 Business Center Drive Pearland
5800 W. Slaughter Lane Austin
5313 Saratoga Corpus Christi
1345 Barrow Abilene
1655 Highway 46 West New Braunfels
6818 South Zarzamora San Antonio
10718 Potranco San Antonio
300 Main Kerrville
2508 East Riverside Drive Austin
6106 N. Navarro Victoria
2409 East Expressway 83 Mission
1911 East Bob Bullock Laredo
10919 Louetta Road Houston
8503 NW Military Hwy San Antonio
20935 US Highway 281 North San Antonio
9710 Katy Freeway Houston
8900 Highway 6 Missouri City
1213 S. Commerce Harlingen
3002 S. 31th St Temple
9414 N. Lamar Blvd Austin
2130 Culebra San Antonio
11551 West Ave. San Antonio
5808 Burnett Rd Austin
4320 S. Alameda St Corpus Christi
12407 Mopac Expwy. N. Austin
1115 E. Main Alice
7951 Guilbeau Rd San Antonio
7010 Hwy 71 West Austin
2110 New Slaughter Ln Austin
14087 O ‘Connor Rd San Antonio
641 East Hopkins Street San Marcos
5601 Bandera Road San Antonio
170 E. Whitestone Cedar Park
5425 S Padre Island Dr Corpus Christi
1503 Highway 1431 West Marble Falls
613 S Expwy 83 Harlingen
2700 Seventh Bay City
6580 F.M. 78 San Antonio
3601 Pecan McAllen
16900 N. FM 620 Round Rock
601 Indian Trail Harker Heights
3325 West Wadley Midland
6030 Montgomery Road San Antonio
300 Olmos Dr. San Antonio
3801 E. 42nd St Odessa
6001 West Parmer Lane Austin
12777 IH 10 West San Antonio
18140 San Pedro San Antonio
2929 Thousand Oaks San Antonio
409 E. Kleberg Kingsville
12400 State Hwy 71 West Austin
219 W. Oaklawn Pleasanton
100 East Houston St Beeville
3133 S. Alameda Corpus Christi
2508 S. Day St. Brenham
17460 I.H. 35 North Schertz
450 E. Travis La Grange
200 Avenue F Del Rio
1301 Wooded Acres Waco
1000 East 41 St Austin
800 Hwy 77 Waxahachie
735 S.W. Military San Antonio
6900 Brodie Lane Austin
2700 W Freddy Gonzales Edinburg
201 East Main Uvalde
2155 Paredes Line Rd Brownsville
7811 Mcpherson Rd Laredo
7301 N FM 620 Austin
1150 NW Loop 1604 W San Antonio
4724 Hwy 6 Missouri City
1080 East Hwy 290 Elgin
500 Canyon Ridge Drive Austin
201 N. FM 685 Pflugerville
9900 Wurzbach San Antonio
310 N Westgate Drive Weslaco
4500 Williams Dr Georgetown
1600 Wildcat Portland
1550 Fry Road Houston
10660 FM 471 West San Antonio
603 Louis Henna Blvd Suite A Round Rock
1621 Mason Katy
7405 FM 1960 East Humble
3111 Woodridge Ste. 500 Houston
1900 Texas Ave South College Station
725 East Villa Maria Bryan
11815 Westheimer Houston
1505 East Rio Grande Victoria
910 Kitty Hawk Universal City
2118 Fredericksburg Rd San Antonio
801 North IH 35 Bellmead
407 South Adams Fredericksburg
19900 Southwest Freeway Sugar Land
24165 W IH 10 San Antonio
16811 El Camino Real Houston
14498 Bellaire Houston
2800 East Whitestone Cedar Park
104 Hasler Blvd Bastrop
9100 Woodway Drive Waco
2314 South Zapata Hwy Laredo
4800 B Hwy 365 Port Arthur
901 Trenton Rd McAllen
1700 East Palm Valley Blvd. Round Rock
651 N. US Hwy 183 Leander
6711 South Fry Road Katy
2121 FM 2920 Spring
598 E. Hwy US 290 Dripping Springs
14414 US Hwy 87 West La Vernia
8219 Marbach San Antonio
25675 Nelson Way Katy
5910 Babcock Rd San Antonio
949 William D. Fitch Parkway College Station
420 W. Bandera Rd Boerne
20725 Hwy 46 West Spring Branch
9238 N Loop 1604 West San Antonio
1095 West Business Hwy. 77 San Benito
3804 US Hwy 377 Granbury
3601 FM 1488 The Woodlands
1841 Church Street Gonzales
1300 South Cage Blvd Pharr
4444 Kostoryz Corpus Christi
28550 Highway 290 Cypress
9507 Jones Rd. Houston
14028 North US 183 Austin
3502 Palmer Highway Texas City
2990 East Hwy 190 Copperas Cove
2030 N 1st Street Carrizo Springs
1821 South Valley Mills Dr. Waco
250 University Blvd Round Rock
120 East Mile 3rd Palmhurst
600 W Henderson Cleburne Cleburne
26500 Kuykendahl Tomball
2965 IH 35 North New Braunfels
5000 Gattis School Rd. Hutto
2755 East League City Parkway League City
14100 Spring Cypress Road Houston
200 US Expressway 83 Mc Allen
3540 Rayford Rd. Spring
97 Oyster Creek Dr Lake Jackson
9722 Fry Rd. Cypress
2501 W. University Blvd Odessa
3501 Clearlake City Blvd (@El Dorado) Clearlake City
2000 RM 620 South Lakeway
4701 East Blvd. Deer Park
1368 E. Court Seguin
5407 Andrews Highway Midland
1101 W. Stan Schlueter Loop Killeen
17328 Bulverde Road San Antonio

JL
Guest
JL

Does anyone have any information regarding whether a gift tax would be assessed on the purchase of GoC cards? I’ve been reading that the excess of any gift over $14k is subject to taxation (on an annual basis), but I’m not sure how it applies in cases like these where you are both the purchaser and beneficiary of said “gift”. Would you only be able to purchase $14k worth of gift cards each year before being subject to this tax?

JP
Guest
JP

There are special rules when it comes to paying for a child’s college that allow you to get around the annual $14K rule but I don’t recall them. And I think that would only apply if you’re actually paying for someone’s college. If you’re buying the cards for your own use, its not really a gift. Even so, the term “gift tax” is a bit of a misnomer. Its not really a tax you pay now. Its purpose is to prevent folks from giving away assets to avoid estate taxes upon their death. If you were to give away more than $14K, you would simply need to report it to the IRS. After your death they would add your reported gifts to your estate. Estate taxation only becomes an issue if a single person’s estate is over 5.5 million or $11 million for a married couple – or something close to that.

JL
Guest
JL

Thanks for clarifying! Glad to hear it wouldn’t be applicable in this case.

meathead
Guest
meathead

Any news on Best Buy yet? I checked one of three local stores and nothing yet.

Juston
Guest
Juston

There is a lot of buzz about Best Buy getting these cards but what about Kroger? Fuel points would be a great benefit.

Nadine
Guest
Nadine

Hi Juston

Yes all the grocery stores would be fantastic placement for our gift cards. Thanks for checking in. No firm date on BestBuy yet. Looking more like the beginning of fall unfortunately — but just in time for the holiday so that’s good.

Happy Friday,
Nadine

Luis T
Guest
Luis T

Definitely looking forward to getting gift of college gift cards at Best Buy… have $50k of student loans to pay off over a year or two 😉 Looked at a local store for these a day ago and saw nothing and just now stumbled upon this discussion.

Please do keep us updated when this happens Nadine!

katie
Guest
katie

Nadine,

Any news on at H-E-B Texas Grocery in Friendswood, Houston and Pearland? None of three local stores nearby Pearland have it. Thank you!

Nadine Perry
Guest

Hi Katie,

First I want to say my heart goes out to all of you who were affected by the hurricane. My thoughts and prayers are with you.

Just received a list of the H-E-B stores that are carrying the card. Full list above and it appears 2805 Business Center Drive Pearland should have them as well as these stores in Houston:
9828 Blackhawk Blvd
10919 Louetta Road
9710 Katy Freeway
1550 Fry Road
3111 Woodridge Ste. 500
11815 Westheimer
16811 El Camino Real
14498 Bellaire
9507 Jones Rd.
14100 Spring Cypress Road

Best,
Nadine

Nadine Perry
Guest

HI Katie
I have not heard back on the H-E-B delivery status yet. I will ask again today.
Thank you for your patience.
Nadine

Jordan
Guest
Jordan

Hi Nadine,
Do you happen to known where in New York City the closest stores with the Gift of College gift cards are? I’m planning on stopping by the 901 AVENUE OF THE AMERICAS Toys R Us later to check it out.
Thanks!

Bobby
Guest
Bobby

Not available in the Midtown Manhattan location! LIC, Rego Park, Yankee Stadium, and Ridgewood are your best bets close to Manhattan.

Nadine Perry
Guest
Nadine Perry

Hi Jordan

Here is the link for locations by state
http://weeklyad.toysrus.com/ToysRUs/Entry/Locations/

Unfortunately I do not have access to inventory at each store. That is something we are working on so hopefully soon I will have a week-to-week status.

Have fun stomping around my favorite city,

Nadine

dealengineersearch
Guest
dealengineersearch

Any idea where one can find these GiftofCollege Giftcards in Orange County, CA?

Tried searching and most of the retailers said out of stock.

NinjaX
Guest
NinjaX

hey neighbor. you in the OC? we should meet up. ive seen plenty. go to all the TRU up north past OC and Tustin.

Nadine Perry
Guest

HI
I am sorry to hear you are having trouble finding them in stock. TRU should be restocking soon. Hang in there. The minute I hear anything I will share with the group.

Thank you for your patience,

Nadine

Naomi
Guest
Naomi

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JP
Guest
JP

Any word on when (or if) these cards will be in Target stores? Thanks!

Nadine Perry
Guest

Hi JP

No news on the Target front yet. How convenient would that be!!!

Nadine

Larry
Guest
Larry

Is there any concern about buying these GoC cards at TRU if there is a TRU bankruptcy?

Seems safe as long as the card gets activated the money isn’t in TRUs accounts.

NinjaX
Guest
NinjaX

GOC has nothing to do with TRU after u buy it. Its in the hands of GOC.

NinjaX
Guest
NinjaX

Hey FM Team.

Given the TRU bankruptcy, I need to get rid of TRU GCs. Does anyone know if I can use TRU GC to buy other GCs? I have tried, but cashiers always stop me. Is this hard coded? If not, I will keep trying.

Thank you!

Nadine Perry
Guest

Hi

Oh and just a heads up, you can use the CardCash site to swap unwanted gift cards for Gift of College or other retailers gift cards. It is not the full value, there is a service fee. https://giftofcollege.cardcash.com/

Nadine

Nadine Perry
Guest

Hi NinjaX,

No unfortunately it’s my understanding that you cannot use TRU gift cards for other gift card purchases.

Best,
Nadine

NinjaX
Guest
NinjaX

appreciate the info nadine. good to see you around here.

Nadine Perry
Guest

Thank you 🙂
Nadine

Lisa
Guest
Lisa

Are the Gift of College gift cards coming to Best Buy soon? Went by my local store a few days ago and didn’t see them.

Nadine Perry
Guest

Hi Lisa,
Best Buy does not have an inventory of GoC cards yet! But SOON 🙂
As soon as we know the dates we will shout them out.

Happy Wednesday,
Nadine

JP
Guest
JP

Nadine – May I ask, how soon??? Will they appear Nationwide, or will they slowly trickle into various markets. Many thanks!

Nadine Perry
Guest
Nadine Perry

Hi JP
I’m sorry to report their is no update yet on the availability of the cards at BestBuy.

Have a wonderful weekend,
Nadine

Dean
Guest
Dean

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Hannah
Guest
Hannah

Hello, any idea if the TRU and Babies are Us on Oahu, Hawaii are carrying the Gift of college gift cards yet?

Nadine Perry
Guest

Hi Hannah,

Here is the link for locations by state
http://weeklyad.toysrus.com/ToysRUs/Entry/Locations/

Hawaii
98-211 PALI MOMI STREET, AIEA, HI
1450 ALA MOANA BOULEVARD, ALA MOANA, HI
275 W KA’AHUMANU AVENUE, KAHULUI, HI
46-056 KAMEHAMEHA HIGHWAY, KANEOHE, HI

Unfortunately I do not have access to inventory at each store. That is something we are working on so hopefully soon I will have a week-to-week status.

Nadine

Hannah
Guest
Hannah

Thanks Nadine, but I did reach out to all the Toys R Us and they did not have a clue about what I was talking about. Can you verify if any of the store actually have them?

AnameOfaguy
Guest
AnameOfaguy

Be the data point. Go to the store yourself.

You can’t expect a bunch of minimum wage workers to know about a random, little-known credit-card sized item that hangs on a rack somewhere. Also, no one here is in inventory management for Toys/Babies R Us. Why would you expect them to know stock at any given store? The volume of requests like this on this thread is silly. Save it for meaningful/helpful data points.

Nadine Perry
Guest

Hi
As mentioned previously I do not have access to the stores inventory. Your best contact is the store manager, and ask if the card is either at the register or behind the customer service desk.
Thank you for understanding
Nadine

Hannah
Guest
Hannah

@anameofaguy..no need to get nasty. I.m currently living overseas and do not have physical access to the Toys R US, hence the questions of availability. Have a great day, u unhappy no name man.

Hannah
Guest
Hannah

Where in Tampa, Fl can I find Gift of college cards?

Bob
Guest
Bob

So, what’s the drawback of using a credit card directly on the Gift of College website to make a “gift” to an account? 3% fee, I am guessing whereas TRU is less?

Nadine Perry
Guest
Nadine Perry

Hi Bob,

Find the original post here from Greg—he does a great job explaining the pros/cons of purchase methods.
https://frequentmiler.boardingarea.com/2016/11/08/pay-student-loans-529-plans-credit-card/

Have a great night,
Nadine

LVMike
Guest
LVMike

Is there a mechanism to check why a payment is delayed? I made a $1000 payment using two GOC gift cards to Navient on 9/12. Today will be 16 full business days from my payment and my Navient account is now in “Past Due” status, as the payment has not posted yet.

My prior Navient payments posted within two calendar weeks (10 business days) and this is the same account, so I’m not sure what the hangup could be.

Adam
Guest
Adam

I’ve seen my deposit times increase in the past 2 months from 2 weeks to closer to 3.5 as well.

Nadine Perry
Guest
Nadine Perry

Hi Mike and Adam,

My apologies for the delay in response. If you have any questions in the future please email me directly at nadine@giftofcollege.com.

Mike our operations people can look into the processing status for Navient. Give them a call at 877.244.6630 or email Lisa/Chris at customerservice@giftofcollege.com. Feel free to cc me on your communication.

Adam — same process to find out why there has been an increase in processing times.

Have a good night guys,

Nadine

LVMike
Guest
LVMike

Thanks Nadine. I spoke with Christine today and opened a case with Navient, as they apparently cashed the 1k check but didn’t credit my account. I’ll report back with an update once it (hopefully) resolves.

Hanna
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Hanna

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ray
Guest
ray

nadine
thanks for the list of hebs in houston region. is there a plan to increase it to more hebs (asking bcz the closest one on your list is 20 miles from my place and i have 3 hebs in 5 miles-> the woodlands).

Pavish
Guest
Pavish

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Kedric
Guest
Kedric

Hello Nadine,

Is there any word on when the Gift of College cards will be available in Best Buys nationwide? I had read earlier in the thread that it would be in fall 2017.

Nadine Perry
Guest

Hi Kedric,

No I am sorry to report there isn’t any update. I should have more news next week.

I appreciate your patience,

Nadine

Alex
Guest
Alex

Hi Nadine,

Any further news on Best Buy carrying the Gift of College gift cards?

Jerry
Guest
Jerry

Nadine,

Are any of the stores in Wichita, KS carrying the gift of college cards?

Nadine Perry
Guest

Hi Jerry

Unfortunately I do not have access to each stores inventory. You can give the store manager a call and ask if they are on the display in the customer service area. Good luck!
8011 E. KELLOGG AVENUE, WICHITA, KS
link to locations http://weeklyad.toysrus.com/ToysRUs/Entry/Locations/
Nadine

Jerry
Guest
Jerry

Unfortunately, it seems they do not stock them. Any chance this will change?

Nadine Perry
Guest

Hi Jerry

Did you speak with the store manager? Were they familiar with the product? They probably came in and sold out—all TRU stores stock them.

I was told that shipments are going to each store this month to prep for the holiday.

Hope that helps,
Nadine

Julie Tinsley
Guest
Julie Tinsley

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Nadine Perry
Guest
Nadine Perry

Hi Everyone,
First — please do not shoot the messenger. I am so sorry to say there is a delay with the BestBuy rollout and I have not been updated on the new timeline. Ss soon as the good news arrives I will give you the heads up.
Best,
Nadine

Amol
Guest
Amol

Thanks Nadine for being very quick with responses and updates!

Nadine Perry
Guest

You are most welcome! Hope next time I jump on I have some fantastic news for all of us.
Best,
Nadine

gooing99
Guest
gooing99

Nadine, thank you for the updates! You have been very helpful.

Stosh
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Stosh

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jim
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jim

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Billy
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Billy

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Justin Pan
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Justin Pan

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Annom
Guest
Annom

I would like to purchase 2 Gift of College gift cards for my niece and nephew.
They both have NY 529 plans.
How do I redeem them with their 529’s?
Would it work?

Annom
Guest
Annom

Forgot to mentioned, I told my brother about gifting them for the 529 and he told me he has the option of setting up Ugift. Would that work with this Gift of College gift cards ?
Just want to make sure before I go ahead and purchase them.
Thank you

Nadine Perry
Guest
Nadine Perry

Hi Annom,
Yes we accept contributions to ALL 529 plans and Student loan accounts. Simply go to giftofcollege.com and register, hook up your NY529 (you will see it in the dropdown list), redeem your gift card, and the monies will post. As far as your uGift question, I prefer you talk to our operations team to get an accurate answer. They can be reached at customerservice@giftofcollege.com or 877-244-6630.

Happy Thanksgiving,
Nadine

Annom
Guest
Annom

Thank you very much for your prompt reply.
I went ahead and created the account with gift of college, however is asking me for personal info such as:
Account owners name
beneficiary name
account number
My brother is hesitant with providing me this info.
why is all this information necesary?

Nadine Perry
Guest

Hi
Have your brother create the account on the gift registry. Then friends and family can access it by simply doing a quick name search. Or he could share the profile url. The account details are not shared with gift givers.

Best,
Nadine

Narbber
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Narbber

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Nick
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Nick

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aftrhrs
Guest
aftrhrs

Subscribe
I apologize for asking an unrelated question but for some reason I cant find an answer. If I signup for say Iowa 529 plan and the kid decides to go to College in Florida? Are they transferable?

JP
Guest
JP

It depends on the plan. You would need to check with the Iowa plan. For example, in Virginia, we can do the prepaid plan that can only be used in Virginia, OR we can do the plan where we dump funds into an account that can be used in any state (kinda like a Roth for education).

achanti
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achanti

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Lance
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Lance

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Dylan
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Justin
Guest
Justin

Does anyone know of any in-store cashback offers for Toys R Us from credit-card linking apps? After a search, I didn’t find any but could have missed something.

L T
Guest
L T

This quarter Chase Freedom has 5% om mobile payments, not quite passive credit card linking but still 5X UR up to $1500, enough for 3 GoC cards. YMMV paying for more than 1 at a time, though. Sometimes CSR’s might be concerned with fraud on these and mgr apptoval required by default for $500 loads.

Justin
Guest
Justin

Thanks for the reply. I’m aware of the 5% from Freedom, which is what made me interested in the GoC gift card. Does anyone know if the purchase would count towards TRU reward points?

JP
Guest
JP

It does not unfortunately. Just checked my account today in fact.

Aftrhrs
Guest
Aftrhrs

Sad to say this gift card is such a disappointment… But it could be one of the most incredible selling cards of all time if they would just get it out there …and do just a little bit of promotion. We are all hoping for that

Justin
Guest
Justin

I tried to buy two Gift of College gift cards at my local Toys R Us in Emeryville, CA and the manager told me that they only accept debit or cash. Unfortunately, the next store is significantly farther away. Any suggestions on how I could get the store to change their policy?

trey
Guest
trey

So Best Buy turned out to be fake news

Master Allan
Guest
Master Allan

Hope it’s just delayed and not fizzled out with BestBuy. Paying off student loans with GoC purchased from BestBuy I would be the proud owner of their most expensive TV picked up from reward points alone.

ucipass
Guest
ucipass

Local toy r us in Illinois shut down credit card purchases.