Month: June 2014

Target Visa Gift Card Tips and Tricks

target visa gc package

Target sells gift cards online. They sell not only their own GC, but also other store’s GC and Visa GC. I added Visa GC to the cart and choose Target REDcard as a payment method to see if REDcard-5%-discount would apply on the purchase. The result was NO. The discount DOES apply on other store’s GCs, but NOT on Visa or Target GCs. When I was doing this research, I noticed that I might be able to choose Target GC as payment for the purchase of GCs. I could check the box next to Target GC, and there was no error message so far. But I didn’t have any Target GC so I couldn’t go further at that moment.

Soon, I went to and searched for Target GC. I found many 4% to 5% off gift cards. I bought 2 e-gift cards at and immediately tried to use it.

It was successful!

buy visa gc with target gc

I was able to buy a Visa GC with Target GCs.

At, the highest denomination of Visa GC is $100, and it charges $6 fee. Although I used Target GCs I got only 4.5% off, I didn’t lose money in overall transactions. Because:

  • I bought $106 Target GC for $101.23 (+$4.77)
  • gives 1% cash back on purchases at (+$1.01)
  • 1% cash back from credit card (+$1.01)

Total $6.79 covers a purchase fee of Visa GC!

cash back from visa gc at costcoThis isn’t the only discovery about Target Visa GC. The GC arrived a week later. On the same day, I went to Costco and see if I could get cash back at the register. I bought two $25 Costco Cash Cards. I swiped the GC and enter the PIN. And then a button that said, “20” appeared on a touch panel of card reader. I press the button and a cashier gave $20 in cash.

target visa gift card tips and tricksAlthough the description on the small paper card inside the package of the GC (“When swiping the card, always select credit, not debit, since there is no PIN”), a card reader wouldn’t let me choose between credit or debit. It just prompted me to enter a PIN. Whatever the 4-digit numbers you enter for the first time will be the PIN of your Target Visa GC. If you forget the PIN, go to You can reset, and 4-digit numbers you will enter next time will be a new PIN. All these information can be found in the website. You can also check the balance, view transaction history, and assign the zip code in this website.

I bought $200 Visa GC at in the same way. It is still on the way. When I receive it, I will try to get cash back at the register. And I will order another Target Visa GC and try to get cash back at different stores. I will need lots of Target and Staples GCs!

Updated July 7th 2014, cash back with purchase won’t be successful. I don’t know if it is not accepted anywhere, but at least not at Costco, where it used to be accepted.

Amex Sync Offers June 2014

New Amex Sync Offers are available now. Don’t miss any of these great offers. Here are the offers I personally think it is useful.

  • Dunkin’ Donuts – Spend $5 or more, get $5 statement credit, thru 6/30/2014
  • Home Depot – Spend $75 or more , get $15 statement credit, thru 6/30/2014
  • BP – Spend $30 or more at the pump, get $5 statement credit, thru 6/30/2014
  • Exxon/Mobil – Spend $30 or more at the pump, get $5 statement credit, thru 7/31/2014

All of them are one-time deal. There are many other offers, but personally I’m not interested. I checked all offers and synced ones above yesterday. And  I used one of them today.

$15 credit on $75 or more at home depot

Gift cards come in handy when you get this kind of offer, especially when you don’t really want any merchandise at the store. I can use the exact minimum amount that needs to be qualified. In this transaction, I get two 20% off gift cards, which I will certainly use later.

amex offer confirmation email

Surprise! In less than 5 minutes, I received an email that I was able to make sure the offer had been successfully redeemed. This is something totally different than cash back from online portals, which may keep you worrying about it for a few days or even weeks.

I used “Serve” for the purchase. Serve is a great tool to meet credit card  minimum requirement, achieve sign-up bonus, earn cash back or mileage points etc. However, because of monthly limits of withdrawal, money in the account eventually adds up more and more if you don’t use the card for shopping. Amex offers let you spend money in the account effectively and wisely.

Earn $30 through PayPal Credit Card Promotion

earn 30 dollar with paypal credit card

I received an email about Father’s Day Promotion by PayPal Extras MasterCard. According to the email, you will get $10 statement credit for every eBay purchases of $50 or more made with PayPal Extras MasterCard between June 2nd and 15th in 2014, a maximum of $30 in statement credit. It doesn’t say anything about eligible or non-eligible items, so it seems any purchase on eBay will be qualified. Currently, I bid at many auctions of gift cards, but I’m not sure if I will win and spend $50 or more on eBay by June 15th. So, I bought one $50 eBay gift card for now, and maybe two more later if I don’t win any actions.

ebay gift card

Make sure to activate offer prior to purchases.

activate offer

This is an easy $30 statement credit earning!!!

Target REDcard 5% Discount on Gift Cards

I love Target. They sell everything. Since they start selling groceries, Target has been my favorite store I visit most frequently. I have REDcard which give you 5% discount on almost everything. Here is the list of items that 5% discount DOESN”T apply:

  • target redcardPrescriptions, Target Clinic services and Target Optical eye exams
  • Target gift cards and prepaid cards
  • Previous purchases
  • Target credit account payments, Target Debit Card cash back and cash advances on the Target Visa Credit Card
  • Target Commercial Interiors purchases
  • Gift wrap and shipping and handling charges on purchases
  • Where otherwise prohibited by law

From the list, I can clearly see that you can’t get 5% off on Target gift cards purchase, but what about other gift cards? What includes in “prepaid cards”? I had bought Boost Mobile’s refill cards and verified that 5% discount was applied on the purchases. I am not interested in other gift cards such as Starbucks, restaurant’s, and iTunes because you can easily find these gift cards with more than 5% discount on eBay. But, what about Visa and American Express gift cards?. Will I get 5% discount on these gift cards, too?

To check this out, I went online and added them to a cart, and chose REDcard as a payment method. As you see in the picture, REDcard discount doesn’t apply on Target or Visa gift card. .

discount on gift cards

And a purchase fee of Visa gift cards are expensive. $100 charges $6 purchase fee, and $100 is the highest denomination. Only Visa gift cards are available online. So, I went to the store to check the fee of American Express gift cards, but they are all the same. Here is a fee table of Visa and American Express gift cards being sold at Target

  • $100 Visa/Amex – $6 fee (6%)
  • $50 Visa/Amex – $5 fee (10%)
  • $25 Visa/Amex – $4 fee (16%)

Probably, all Visa and American Express gift cards being sold at Target charge at least 6% purchase fee. And also you can’t find any other bank gift cards at Target.

Here is a list of the other gift cards you can find at Target:

AT&T Go Phone
Apple ITunes
Bass Pro Shops
Boost Mobile
Xbox live
T-Mobile Prepaid
Microsoft Office
Nintendo Eshop
Texas Roadhouse
Southwest Airlines
Google Play
Harley Davidson
Einstein Brothers Bagels
Logans Roadhouse
Burger King
Spa Week
Olive Garden
Red Lobster
Buffalo Wild Wings
Coldstone Creamery
Red Robin
Ruby Tuesdays
Darden Restaurants
Cracker Barrel
AMC theatres
PF Changs
Verizon Wireless prepaid

This is not really a great selection, but keep in mind that Target has these gift cards, and you can buy with REDcard at 5% off price.

While I was poking around a shopping cart at, another question came up. Can I purchase Visa or other gift cards with Target gift cards? When entering billing information, all payment methods are choose-able. At that time, I didn’t have any Target gift cards. So, all I could do was check the box, and there was no error message so far. I really need to make sure of this. I will update a result in blog “Target Visa Gift Card Tips and Tricks

buy gift cards by gift card

target covert visa gift card