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

[Updated 7/11/18][Updated 6/29/18] [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.
  • Buy third-party gift cards on (our affiliate link) and pay with a 5% Amazon card or pay with Amazon gift card you purchased elsewhere at a discount. Stack with some other Amazon savings ideas. Gift cards usually come two minutes later.
  • Redeem your Discover cash back for gift cards instead of cash. You can get 10-20% extra on many major brand gift cards (Staples, Lowe’s, Whole Foods, etc.), and many of then have an e-card option which comes instantly.
  • Use a cash back portal and buy directly from whichever merchant you need. (Theoretical example: buy Sears gift cards from or Best Buy gift cards from This doesn’t work most of the time since portals typically don’t pay out for gift card purchases, but occasionally portals pay out for gift card purchases. Check FM Lab.
  • 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. Update: No longer earns 5x.
  • 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 first-hand gift cards from and earn Raise Cash Back to be used for any future purchase. Instant delivery. You can specify an exact denomination. Payment with credit card, Paypal, or Samsung/Apple/Google Pay.
  • Buy gift cards with the Slide app, a product of, and get 4-5% off at over a hundred retailers. Instant gift card delivery. Get your cash back via Paypal or Venmo. You can specify an exact denomination. Payment with credit card, Paypal, or Apple Pay.
  • Buy gift cards with Pay with Ibotta and get cash back (debit card only, since June 2020)
  • Buy gift cards from Fluz and get cash back.
  • Buy gift cards from CrayPay and get a cash discount on the purchase. Gift cards issued instantly.
  • Buy gift cards with the Spent app and get a cashback on the purchase. Instant??
  • Buying dining gift cards with the EarnWallet app and get rewards back in the form of gift cards.
  • Rakuten/Ebates sells gift cards with cashback earned to your Rakuten account (direct Rakuten link).


  • 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 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?)


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Armella Gottschalk
Armella Gottschalk

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:

OR 97
OR 97 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 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.


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.


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


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.


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

James Silver
James Silver

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

Terri Clark
Terri Clark

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.


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)

Information Booth
Information Booth

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


Love in Christ.