Posted by Chuck on January 12, 2018
Gift Card Deals

Published on January 12th, 2018 | by Chuck


CrayPay Review: App for Buying First-Hand Gift Cards at a Discount

The CrayPay app is another option for buying first-hand gift cards at a discount. When checking out in-store or online at many top retailers, purchase a gift card in the CrayPay app for the exact amount of your purchase and you’ll get a small discount from CrayPay. The gift card is instantly available to use at checkout.

The app has dozens of retailers available including Amazon, Best Buy, Staples, Toys R Us, Bed Bath & Beyond, Lowe’s, as well as dozens of restaurants. Each merchant will get a different discount ranging from as little as .5% at Best Buy or 1% at Amazon to 7.5% at Land’s End.

You pay with a credit card in the app, so you aren’t losing any credit card rewards, it’s just an extra small discount on top of whatever you get from the card. You will probably lose out on category rewards, e.g. if you’re paying at a restaurant through CrayPay, it won’t code as a restaurant to earn bonus points. Let us know if you find any credit card category bonuses that work with CrayPay.

The app also has a rewards program, though the details are murky. All that’s known is that you’ll rack up points with each purchase made through the app which will move you up to Level 2 and 3 to get even more savings on future purchases. I guess the discount percentages off gift cards get higher for Levels 2 and 3? Not really sure. You can also refer friends to help you get to the next savings level.

CrayPay (one of the worst names ever imagined) is very similar to the Seashells website and the MPX app. All of these are great options to get more for your money, either by getting discounts off your purchase in the case of CrayPay and Seashells or by getting bonus United miles in the case of MPX. They’re especially useful for purchases where you don’t need credit card protections, like when paying at a restaurant.

Running a quick comparison of the Seashells cash discount to the CrayPay cash discount, many times their payout rates are similar and sometimes Seashells wins out. CrayPay does have the advantage that the discount comes off the purchase as opposed to a credit for future use, and they have a rewards program too.

We’ll add this to our Complete List of Methods to Buy Gift Cards with Discounts and Bonus Rewards.

Hat tip to Milestomemories who discovered the app

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What’s the best way to optimize redemption? Which card should i use or combination of portal + CC…

Teri L Booth, MA, LLPC
Teri L Booth, MA, LLPC

Hey, Doc. Maybe if it sucks they’ll change the name to “Crap Pay”…what do you think…sounds kinda catchy, right? Thanks for the info…will give it a try and report back…as always. Love in Christ.

crap pay is a good name. should put the little R at the right upper corner and make it legitimate for them

That’s what I keep misreading it as. 😛

Information Booth
Information Booth

Lol… love the icon!!

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Information Booth

Haven’t found any useful deals, yet, new message for new year… Jesus loves us all… especially you… my precious Ninja X!!


Often paying with gift cards makes a purchase ineligible for cashback through portals, would that apply here? I

Can you use this app for GOC card purchases at toysrus?

Not as good as MileagePlusX, unless you don’t take UA.

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