Posted by Chuck on October 27, 2017
Gift Card Deals

Published on October 27th, 2017 | by Chuck


Complete List of Methods to Buy Gift Cards with Discounts and Bonus Rewards

[Updated and reposted on 10/27]

We write a lot about obtaining gift cards at a discount. These deals are useful for personal use, for gift card reselling, and for merchandise reselling. Below is a list of all consistent methods to buy gift cards at a discount or with some other kind of bonus rewards and miles.

The goal of this post is to create a single place to reference and quickly review the various options when the need for gift cards arise. We’ll keep it updated as things change.

We undoubtedly missed some ideas, maybe even some obvious ones; we’ll rely on reader’s comments to fill in the gaps and complete the resource.

Store + Online Options

  • Buy discounted gift cards utilizing one of the dozens of gift card deals you see, including many we post here on the site. Examples: eBay comes out with deals weekly, Kroger sometimes has coupons, Samsung Pay deals, etc.
  • Buy gift cards at merchants that have Amex Offer deals. These can be online deals or store deals. Sample deals: $10 off $50 at Lowes, Home Depot, or Kohl’s; you can buy third-party gift cards in those stores and lock in the $10 discount anywhere. Occasionally, there’ll be an Amex Offer for a place like where you can buy third-party gift cards and lock in the discount anywhere.


  • Buy third-party gift cards at Target stores or and pay with REDcard for a 5% discount. Not instant delivery.
  • Buy third-party gift cards at Staples or and pay with INK Plus/Cash to get 5x. Not instant delivery for
  • Buy third-party gift cards from wholesale clubs like Costco, Sam’s Club, and BJ’s. They usually offer slight discounts as the standard price on third-party gift cards both in-store and online (1, 2, 3). Not instant delivery for online orders.
  • Upgrading gift cards. This is highly YMMV, but some stores such as grocery stores might allow you to use their store gift card to buy another third-party gift card. If you can somehow buy the store’s gift card at a discount, that discount can then be locked in virtually anywhere with a third-party gift card purchase. is one such example (see below).

Store-Only Options

Online Options

  • Buy discounted gift cards on any one of the many second-hand exchanges. Beware, there is a risk getting a bad card which will require following up with the exchange. Delivery might be instant and might not. This option usually yields the biggest discount. Special shout out to since they earn 5x with INK Plus/Cash when paying with Paypal.


  • Get 5x INK Plus/Cash with Gyft when paying with Paypal. Gift cards issued instantly.
  • Get 5x INK Plus/Cash with the Swych app when paying with Paypal. Aside from the 5x angle, there are also some discounts that show up there on the app at checkout. Gift cards issued instantly.
  • Get 5x INK Plus/Cash with, as mentioned above.
  • Get 5x INK Plus/Cash by purchasing gift cards within your Verizon Wireless app. The gift card will be added to your Verizon bill and earn 5x when paid. Comes instantly.


  • Buy gift cards with the MPX app to get bonus United miles on the purchase. Gift cards issued instantly.
  • Buy gift cards from to get a bit back from a cash back portal and g-money on certain brands. Not instant delivery, AFAIK.
  • Buy gift cards from Giftcardmall and get a bit back from a cash back portal. Not instant delivery.


  • Buy gift cards from Seashells and get a cash rebate which can be used toward a future purchase. Gift cards issued instantly.
  • Buy restaurant gift cards from Subtotal and get a cash discount straight back to your card. Get 3x with Altitude and Apple/Android Pay. Gift cards issued instantly.
  • Buy gift cards from Mygiftcardsplus and get a cash discount (cashed out via Swagbucks or MyPoints). Not instant delivery.
  • Buy gift cards from Egifter and get Insider points back. Go through a portal too. Fast delivery.
  • Buy gift cards from and get rewards back from the portal on most brands. (Delivery speed?)


73 Responses to Complete List of Methods to Buy Gift Cards with Discounts and Bonus Rewards

  1. Trevor says:

    Wow, Chuck, you’re really hitting it out of the park with useful posts lately. This blog — already a great resource — is becoming the #1 go-to spot for up-to-date info. Thanks!

  2. Ben says:

    Any gift cards at Petco stores? Anyone know?

  3. Seth says:

    This is awesome! Thanks Chuck!

    Chuck, any way you can suggest for using Chase reserve or preferred for buying gift cards? I wish I had Ink

    • Chuck says:

      Reserve will only work for restaurant gc (in some cases). Preferred might work in some places similar to INK Plus, but we have limited data points since it’s new and most people can’t get it due to 5/24.

  4. Jay says:

    If you’re going to mention the Altitude bonus with Subtotal anyway, then I think you might as well also point that out for Raise and Swych, given that they both support mobile wallet payment.

      • NinjaX says:

        Then you should also include that the USB Altitude supports 5x shut down to the face…

        DPs show USB gives no fucks even for merchant GC and legit GC spend. Altho people have mailed letters to argue with the executive office and got their accounts reinstated. not worth the hassle.

        • Terri Clark says:

          I tread very lightly with USB but have been able to buy an occasional $200.00 VGC to help meet minimum spend. They even raised my paltry credit line!

  5. Peter says:

    It’s kind of implied, but I would specifically call out non PPDG discounted gift cards on ebay (which is basically just SVM). I generally find their deals the best for everyday spend (gas, Meijer

    One related thing maybe worth mentioning (or maybe not to avoid killing it). Meijer gift cards work on gift card purchases. So you can buy Meijer gift cards @94% on ebay from SVM, then use to buy gift cards at Meijer (even better if you can get a discount from mperks digital coupons).

  6. Vince says:

    Another Store-Only Option:

    Buy third-party gift cards at home improvement stores with a card that earns a bonus at home improvement stores.

  7. Ryan says:

    The 2% back at Office Depot is capped at $200 per quarter, not $750.

  8. Margaret says:

    If an Amazon order hasn’t yet shipped, you can usually click on the order details and apply any outstanding gift cards to the balance. I’ve been buying Amazon gift cards via Raise every week after clicking through Fount or SYWR for the bonus points. If I don’t have any gift card balance left, I try to select slow shipping for the $1 digital reward and get more gift cards to put toward the balance next week. I also checked the SYWR T+C and you can have one account per PERSON, so I’m repeating the deals every week with my husband’s account as well.

  9. Jeffrey says:

    I’ve never been able to get PPDG to accept my Ink (or any other credit card) as a valid method of payment – it tells me the option is not available. Any idea what I could be missing?

  10. blue9 says:

    Thank you DoC for all the great content. To show my appreciation, I just went through your Amazon link to buy a $180 headphone. Hopefully you guys will get some of that affiliate money.

  11. Abey says:

    Great Post Chuck, i learned a lot.

    • Abey says:

      Whatever you do. Dont buy from Raise.
      It will work 10 times great but the 11th time when you get a bad one the costumer service is horrible and they think that youre the thief and tell you they will investigate over the next few months and if you decide to just dispute the charge they close/freeze your account.
      For a while I bought left and right wherever there was a 20% discount until i realized its not worth to buy 3rd party gift cards for the hassle, agony and embarrasememt you go through when something is wrong.
      (It can easily ruin your weekend when the waiter comes back and tells you the gift card youre trying to pay with is drained/empty/fake).

  12. Joe says:

    Great post!

    Since Staples was mentioned, it reminded me that I still have a $100 Staples GC with no real use for generic spend.

    Is there a way to turn this GC into any other brand (or Visa/MC) without having to go through a resell exchange?


  13. Information Booth says: has a deal on their website where you can exchange gift cards from one store to a gift card. Hope this helps somebody. Love in Christ.

  14. Information Booth says:

    In addition to my last post, right now, Discover it card is offering 5% back @ restaurants. So, you can buy a restaurant GC and exchange it for a GC. Love in Christ.

    • René says:

      I think you misunderstood the exchange: you won’t exchange a $100 Restaurant GC for a $100 GC, but more likely in the area of $80 or less GC.

      Beyond that, GC are regularly available with 10% or 20% discount — 5% doesn’t seem attractive at all.

  15. Eugene says:

    When referring to “INK”, does this also apply to the Ink Business Cash?

  16. Information Booth says:

    I have a Wal-Mart gift card that has $20 on it. I inputted that card into the site and they offered me a $20.65 GC for it. Love in Christ.

  17. LeoM says:

    Interesting DP. On Ebates app there’s a promo at Best buy. Use displayed coupon and receive 1% CB. Bought yesterday $150 Nike GCs to resell and $100 Google Play and $100 Netflix for personal use (stacked with Amex Offers). Received confirmation today that of the total purchase $250 earned CB. So the Nike GC for sure plus either the Netflix or Google play, I assume Netflix…

  18. J says:

    What am I missing here? What are people doing with all these gift cards?

    • Chuck says:

      Shopping. Whenever the need to shop comes up, some people try buying discounted gift cards to shop with instead of paying full price.

  19. Information Booth says:

    I addition to the Walmart GC, if you have a Best Buy GC, will exchange that for more than it’s worth.

  20. Austin says:

    Great post. I’d add a section about exchange opportunities once you have GC already – such as:

    – and allow you to exchange 200+ different gift card brands for amazon or credit. Really good rates offered, in some cases over 100% for for example, you can exchange a $100 American Airlines gift card for about $89 amazon credit or $95

    – is active and works pretty well (with risks, obviously)

  21. James Silver says:

    Im thinking about applying biz spg. Do you know if amex SPG ever clawback point if I buy a lot of GC?

    • Terri Clark says:

      I think SPG now contains specific language about earning the sign up bonus by “gaming”, and you may have to wait longer to get that bonus. The new RAT team sucks. I am personally not doing any more Amex spend I can’t meet organically.

  22. Ben says:

    What about purchasing gc through ibotta and their CB to sites like and

  23. Shawn says:

    Great post. May want to clarify that INK in this post refers to Ink Plus or Ink Cash (and not CIP). Lot of people mix it up from what I’ve seen.

  24. JT says:

    CardCash preemptively banned me. I cannot get a single transaction from them to go through.

  25. Mjs says:

    Hey Chuck,

    To be fully inclusive you should also count this option for buying VGCs online:

    Iconsumer for the portal (.9% back) to for the purchase.

    I’ve done this for months and had no problems getting MOs with any store using the VGCs sent to me. Plus let’s you personalize the VGCs with your name and will send them traceable priority mail for like 7.50 total shipping if you buy 2000-2500 in cards at a time.

    Not shilling for either website (you can verify I’m a regular contributor) but this has been a problem-free way to help win MS for awhile.

  26. Carter says:

    Chuck I think you should update the info in this post re: Cardcash and INK with info from your recent post about only legacy MasterCard INK cards earning the bonus, unless this has changed again.

  27. OR 97 says: seems to have decent portal payouts:

    There is a pretty good list of retailers, although they do restrict payouts on some:

    “Not eligible on SuperCertificate Redemptions, orders placed through business accounts, or orders placed through Gc Incentives business accounts. Not eligible on Premium Gift Card Purchases including:, Best Buy, Chipotle, Darden Restaurant brands (Olive Garden, Bahama Breeze, Cheddar’s, Longhorn Steakhouse, and Yard House), Delta Air Lines, Dicks Sporting Goods, Dunkin Donuts, Gamestop, The Home Depot, iTunes, Lowe’s, Michael’s, Nordstrom, Petsmart, Subway, and Whole Foods. Not eligible on purchases made with coupon or discount codes that are not found on this site.”

    • Chuck says:

      I’ll add that to the post. Do you know how fast sends the gift card?

      • OR 97 says:

        Quite variable depending not only on merchant and type of card (physical vs e-gift) but also in the amount. Anywhere from 24 hrs to ‘5-10 days’, so plan accordingly. Look at Gap as an example: all physical GCs are 5-10 days except for the $100 denomination is 24 hrs. All Gap e-gift cards are 5-10 days except for the $100 which is 48 hrs. Who knows why…good points/miles/cash back though

  28. Armella Gottschalk says:

    What about I find that to be the best resource (of all I’ve found, including the above) for finding discounted electronic and physical gift cards. While you can’t “game” the website with cash back, Giftcardgranny does have a rewards program that’s worth looking into. Check out the “Earn Free Gift Cards” section to learn about their rewards:

    • Chuck says:

      We wrote about getting second-hand gift cards in the post, which is what Giftcardgranny sends you to.

      The rewards program sounds interesting. How much do you get back in rewards using Giftcardgranny’s rewards program per $1 spent?

Leave a reply

Your email address will not be published. Required fields are marked *. Please do not share your referral links/codes unless the post specifically states it's allowed. If the post states it is allowed please follow the rules carefully. If you'd like an image next to your comments please create a gravatar. Most of all please be kind and respectful to each other. 

Back to Top ↑