I received a new PayPal Prepaid MasterCard’s offer for Rite-aid. This is the first offer I got for a drugstore. I don’t usually go to Rite-Aid. So, I don’t know much about selection of gift cards, maximum cash back with a purchase, or if there is a self-checkout lane. Now that I got the offer, it’s a good time to check them all. Here is a description of Rite-aid offer. (If you don’t know about PayPal Prepaid MasterCard, please read this first.)

Earn 10% Cash Back on your Rite Aid or RiteAid.com purchase, with a $10.00 Cash Back maximum. Offer valid one time only. Offer expires 12/10/2015. Offer not valid on prescription purchases, tobacco, alcohol, lottery, gift cards, cigarettes, licenses, money orders, money transfers, prepaid cards, stamps, or other mail services.

It says, “offer not valid …. gift cards …. prepaid cards.” But, I doubt that they can tell if you buy gift cards or prepaid cards because transaction history shows the only amount, date, and place. Here is an example, a transaction at Walmart.

Most of the amount is cash back, but the history doesn’t show that. Besides, I have received the Kmart rewards in that way.

Here is my plan. First, find out how much I can get cash back at a register. I will make a small purchase with other debit cards. I have many reloadable prepaid cards to liquidate, WM money card, GoBank, Mango, etc. PIN pad shows how much you can ask for cash back. The largest amount a PIN pad shows, I will consider it as maximum amount although you may press “other” and ask for more. And then, pick a gift card and choose an amount that will be at least $100 when it is added maximum cash back.

In this way, I will be able to get more than 10% cash back deal! I hope things are going well.

Update 11/23/2015, my in-store purchase of third party gift card successfully reflected towards payback rewards!

They have a great selection of gift cards, department stores, gas, eBay, Target, etc. My first plan was to find out how much I can get cash back at the register by using the other debit card. But thanks to R’s comment, I assumed it was $40 and skipped this step. I picked up variable Target GC and asked to load $60. PIN pad showed $10, $20, and $40 for cash back, and I pressed $40.

I happened to know that they offered Plenti points for the purchase of some gift cards this week. If you consider earned Plenti points as a cashback or discount, you can make a profit by reselling. For example, GCs of Nike, Chili’s, and Carte&Barrel will do. I have earned $44 in Plenti points that can be redeemed for the future purchase at Macy’s, Rite Aid, Exxon, Mobile, etc. This is my first time to buy gift cards at Rite Aid. I didn’t know they offered such great deals. And I don’t know how often they do, but I should check their weekly ad from now on.

This is about my TERRIBLE experience with customer support of PayPal Prepaid MasterCard. I needed to contact them because some of my purchases didn’t reflect towards cashback rewards correctly. There were two offers involved with the problem.

First, it is Kmart. They offered 5% cash back, up to $10 for purchase at Kmart, in store only. The previous one was only a one-time deal, but the offer from last month allowed you to make multiple transactions. I made several transactions at Kmart that sums up more than $200. However, some transactions didn’t count for cash back, and the website didn’t show pending cash back. I sent a message to customer support through the website. Misunderstandings made me send extra&extra messages until I got them to understand the problem. Their responses were quick. I thought they were reliable at least at that time. It concluded that they asked me to wait for the next statement to close. Pending cash back rewards show up a few days after the transaction, but they are actually credited at the end of the following month. They wanted me to wait until then.

Time passed. With no surprise, missing cash back wasn’t credited to my account. So, I sent a message again.

I made three transactions at Kmart in September. Those transactions were made during cashback rewards promotion. One of the transactions reflected towards the promotion, and cash back for this transaction was posted my account at the end of this month. But other two transactions were not. Last month, I already noticed this and contacted to customer service. And I was told to wait until the end of the following month and contact you again if cash back was actually not credited. Now, I can see that cash back for two transactions didn’t credit to my account. Please check.

They always responded in time, which it is shown in their website (within 48 hours.) But, that’s all good thing about them. The first email says, “Congratulations, you earned the rewards, and they are successfully posted to your account.” I replied and specified the problem. The second email says the same thing. I gave up resolving via email and called the customer service. I called, but I couldn’t even get him to understand the problem. He just kept saying my account balance, and amount cash back posted, etc. He never tried to understand the problem. After around 10 minutes of talking, all of sudden, my call went back to answering machine (which I came from before reaching to rep, like press 1 for the balance, press 2 for…..) I proceeded and then reached to the next rep, but no luck. After speaking with the second rep for about 10 mins, it went back to the answering machine again. There was no resolution. I believe the second rep didn’t understand the problem, either.

There was the same problem for Sears cash back promotion. They offered 10% back for the purchase at Sears, up to $45. I bought two $200 Visa gift cards and one $40 Sears gift card. A cashier needed to separate the transaction for some reason. So, there were two transactions, $413.90 and $40. The first one ($413.90) was tracked, pending cash back ($41.39) showed up. But, the second one ($40) didn’t. I sent an email to customer service last month, and their answer was the same as one for Kmart. (The problems happened to my two different PP prepaid cards.)

I sent email, but the responses were similar. I didn’t bother to call again. It was very frustrating. What I didn’t receive was only $8.11. It seems I need to give up because the customer service is not helpful, or they are so stupid that they can’t do a very simple calculation.

While I was trying to resolve the problem, another Sears and Kmart offers showed up! These are very good offers, but I will have to avoid the same problem as I just experienced. As long as I redeemed an offer with a single transaction, I have never had the problem. And I found the pattern which transaction would be potentially the problem.

Kmart (5% Cash Back on all of your Kmart purchases until a $10.00 Cash Back maximum, EXP 9/20)

• 08/29 — $40.00 — $2 cash back posted
• 09/01 — $70.00 — $3.50 cash back posted
• 09/12 — $40.00 — No cash back
• 09/12 — $40.00 — No cash back

Sears (10% Cash Back on all of your Sears purchases until a $45.00 Cash Back maximum, EXP 9/20)

• 09/01 — $413.90 — $41.39 cash back posted
• 09/01 — $40.00 — No cash back posted

As you see, the first transactions of each month have no problem. If you make multiple transactions in the same month, second, third, and later transactions won’t be tracked for cash back rewards. I guess this is it. It was a technical problem. And, maybe it will happen if I make multiple transactions in a month. So this time, I will redeem the current offers with a single transaction.

One more thing

I had a discovery about cashback rewards. For the first time, I got cash back reward for the online purchase without click a link of PP Prepaid website. There is a clickable link for each offer. When you click, the following message pops up.

It says “may not”, not “will not.” So, with a hope of receiving both cash back from portal and PP prepaid, I clicked a link of shopping portal site instead. I have tried the same thing before for 1800flowers’ purchase. For that offer, it wasn’t successful. So, I didn’t expect much this time, but as long as they say “may not”, it’s worth a try for other stores’ offers. I tried this for the offer of 10% back Advance Auto Parts (up to $10). And this time, it was successful. Of course, they are not yet confirmed and possible to be canceled. But for now, there are pending cash back in PP Prepaid website, and I received an email from a shopping portal site.

Here are the details of the offers

Kmart – 10% Cash Back on all of your Kmart purchases until a $20.00 Cash Back maximum is reached, in-store only

Sears – 10% Cash Back on your Sears purchases until a $35.00 Cash Back maximum is reached, in-store and online

I have three cards, Kmart offers are available on all cards. Sears offer is available on my oldest card only. I wonder what is the requirement for receiving Sears offer. There are many other offers, Restaurants, Sports Authority, Auto Zone, Peapod by Stop & Shop, etc.

If you’d like to know other benefits of PayPal Prepaid MasterCard, click here.