Author: admin

My First Cash Back Rewards from PayPal Prepaid MasterCard

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paypal prepaid mastercardI have PayPal Prepaid MasterCard for a year, but I have never earned cash back rewards. That’s because the offers I had received were not really good. (If you don’t know about PayPal Prepaid MasterCard, please click here to see details.)

Many of the offers I had received were the same as shopping portals offers. You need to click a link on the website to redeem the offer. Besides, you can find the better rates of cash back in other portal sites. A kind of offers I wanted was like Amex Offers. Amex Offers don’t provide a link. All you need to do is to add the offers to your card and use that card. You can click a link on any portal site you like or buy 3rd party gift cards in store. If you don’t know about PayPal Prepaid MasterCard, please click here to see details.

A week ago, I noticed this kind of offers had appeared in my account. They were for Sears and Kmart.

Sears
There are so many reasons to come back to Sears, including stocking up on the latest essentials for Summer including outdoor furniture, grills, major home appliances, and Summer fashions. Plus when you are a Shop Your Way(R)* member you always get more! It?s FREE and easy to join in-store or at shopyourway.com.

Earn 10% Cash Back on your Sears purchase, with a $20.00 Cash Back maximum! Payment must be made on or before offer expiration date. Offer valid one time only. If layaway** purchase, offer only valid on initial payment. Offer expires 7/5/2015.
*Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at shopyourway.com.
**Requires down and biweekly payments. All fees nonrefundable. Cancellation fees apply. No cancellation fee in Ohio. Not available at all Sears stores. Exclusions apply. See store for further details.

Kmart
Get more this Memorial Day at Kmart. We’ve got an amazing selection of patio furniture, grills and decor. Dress up with our summer apparel collections for the whole family. Don’t forget to check out our great array of footwear, too! And, Shop Your Way® members always get more. Join today, it’s free in-store or at shopyourway.com.

Visit Kmart online to find a location near you.

Earn 15% Cash Back on your Kmart purchase, with a $20.00 Cash Back maximum!Offer not valid online.Payment must be made on or before offer expiration date. Offer valid one time only. Offer expires 7/5/2015.

Both offers expires on July 5th. So, they must have been available in my account for a while. It’s just that I didn’t log in and check for a long time.

For Sears’ offer, it’s valid for both in-store and online purchase. 10% cash back, $20 max. So, they offer cash back for up to $200 purchase. The first thing I came up with is to buy $200 Visa gift card. Although $200VGC charge $6.95 as a purchase fee, I thought it was the easiest way to earn and deal with the item (liquidating $200VGC by using Amex Serve.) I went to the store and checked all GC racks. Then I couldn’t find $200VGCs or any other useful gift cards. So, I ended up with buying $200 MasterCard gift card.

Next, I went to Kmart. For Kmart offer, the terms clearly describe that it’s not valid for online purchase. 15% cash back, $20 max. So, you need to spend $134 or more to earn maximum cash back of $20. Kmart has a better selection of gift cards than Sears. On that day, I saw eBay gift cards at Kmart for the first time. I bought some eBay and gas gift cards.

A few days later, cash back appeared in my account. They will be credited on the end of the following month. Because of a miscalculation, I spent only $125 at Kmart, and I couldn’t earn maximum cash back of $20.

paypal prepaid reward earned

I have another PayPal Prepaid MasterCard. This account is six-month-old. There is Kmart offer as well. (but, there is no Sears.) I went Kmart yesterday and bought the same GCs (gas and eBay) and the same amount. This time, however, I asked a cashier to give me $10 cash back. The total is $135. $20/$135=0.1481, it’s almost 15% cash back deal. I did it yesterday. So, a earned reward hasn’t shown up in my account. But I think it will be no problem because I don’t see anything about what I did in the transaction history of PayPal Prepaid.

paypal prepaid gc purchase and cash back

I learned that asking cash back at a cashier is useful when you want to adjust the total spending and maximize the rewards. I haven’t logged in my account for a few months. I might have missed good offers during that time. From now on, I will check the offers more often.

If you want to know the basics about the card, please click here.

You may already have a card, but you can open up to 3 accounts of PayPal Prepaid MasterCard. If you want to open 2nd and/or 3rd account, please sign up through my referral link to get $5 bonus.

New SYW VIP Choice Benefit is available now!

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There are new offers (VIP Choice Benefit) for Shop Your Way VIP members. I’d redeemed two offers per account this year. New offers became available in the first month of each quarter. So, I believe there will be other offers in October, too. If you don’t know about Shop Your Way Reward program, click here to see details.

shop your way vip choice benefit

VIP Choice Benefit for my account#1

This time, I chose the following:

At Kmart in store and online, members get 75% back in points when you purchase a Samsung Galaxy Tab A 8.0″ Tablet w/ 16GB Memory and Android 5.0 – Smoky Titanium

After you choose the offer at shopyourway.com, you will receive a confirmation email. You can print out the coupon or load to your SYW account by clicking a link in the email. For an in-store purchase, it’s better to take a printout to a store with you and show it to a cashier at checkout. For online, you can redeem it by applying a coupon. After you load to your account by clicking a link in the email, you will see the coupon with other regular coupons. You can apply it during a checkout.

I already bought the item. It costs $199 at kmart.com. With the offer I just chose, I will earn $150-worth SYW points. And, I clicked through DD shopping portal. It offers 5% cash back. Plus, the current promotion of Discover credit cards (Double-All-Cash-Back) will give me back another 5%. I used Kmart gift cards as payment, which I had bought on eBay with 5x eBay Bucks promotion (10% back in eBay Bucks.) At checkout on eBay, I used eBay gift cards that I had bought at staples.com, paid with Chase ink that offer 5x category bonus for office supply store purchases. When I consider all cash back and reward points, the item is almost free.

And here are the other offers. You can choose only one offer. After I had chosen the offer, all other offers became Not Eligible.

shop your way vip choice benefit platinum

VIP Choice Benefit for my account#2

Next, I logged in to my other SYW account. I have two accounts now. Last year, I had only one account and used it with SYW Max (a free shipping program for online orders) for a drop-shipping business. After about six months of use, they spotted. At first, I thought my account was shut down. Then I opened a brand new account. But the previous account has been active whole time. The only problem is they are blocking me from online orders. I can still earn and redeem SYW points as long as I purchase in a store. They even send me coupons, surprise points, etc from time to time. So, I keep this account and use it only when surprise points and high-valued coupons are available. Now, VIP Choice Benefit offer is available on this account, too. A status of this account is Gold, and the first one is Platinum. The offers are a lot different from Platinum.

shop your way vip choice benefit gold

I chose this offer,

At Sears, in store and online, members get 100% back in points when you purchase a Craftsman C3 19.2-Volt 4-Piece Lithium Combo Kit

Before I chose the offer, I had to check availability in my local stores. The item I chose for the last time wasn’t available at my local stores. Since they block me from online orders, I had to drive 30+ miles to buy the item and redeem the offer. I learned a lesson from it. This time, I made sure that the item was in stock at my local store that is only 2 miles away before choosing the offer. I will go and buy the item this weekend. And also I’d like to carry an experiment at checkout.

Amex Serve at FD

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In the last few days, I have visited to many Family Dollar stores. Some stores allow debit card load, and some don’t. I keep receipts of reload to remember which store allows debit card load for the future. A result was better than I expected. I have visited 15 stores and found 7 stores allow debit card load. 4 out of 7 are the store I found additionally with these visits, and the rest are the store I visited last year and confirmed they still allowed debit card load.

loading amex serve at family dollar

I’ve used VGC by Meta bank and Bancorp so far. I haven’t used MCGC by US Bank that I couldn’t use at Walmart a few days ago. There are many other stores I haven’t visited yet. I will go and see if they allow debit card load.

As for online debit card load, I decided not to call Amex. According to some forum posts, it seems it’s better not to call to draw their attention. Although I received an email from Amex regarding of a linked debit card, my Serve account doesn’t show any error message. It looks OK to load online. But to be cautious, I will wait for a few weeks. I gave up loading this month.

Amex Serve at WM&FD experience

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The closest Walmart store from my home has a kiosk. A month ago, (when I decided to switch from Redbird to Serve) I visited to see if a kiosk was in a good shape. At that time, it was working well. To make sure, I actually swiped my reloadable prepaid cards (Mango and PayPay prepaid) and proceeded until it prompted me to swipe a card of payment. And then I canceled because I just wanted to make sure it was working, and for both cards, it charges $3.74 reload fee.

Today, I visited there to load Serve with VGCs and MCGCs. My plan was to use five GCs. But, a kiosk was not working. The kiosk was surrounded by many shopping carts and put by a few plastic tapes. It wasn’t turned off, though. A display showed “Approval Needed”. Reportedly, it causes by loading a lot of money in the short period. (According to the forum, the limit is $1999 in 10 mins.) I have seen it frozen many times, but I have never seen it blocked by shopping carts and tapes.

us bank mastercard gift cardThere was no choice. I had to give up using the kiosk and tried to load at cashiers. I used an MCGC issued by US Bank, and it didn’t go through. The system treated the card as credit. A display of PIN pad prompted to sign for a moment and then automatically canceled the whole transaction. I asked a cashier to do it again. I tried to hit the cancel button to change from credit to debit. But other clerk or manager came up from behind and saw me using a gift card. He told the cashier they couldn’t accept gift cards for reloads. I gave up loading today and left the store.

After that, I headed to Family Dollar. The store is very close to Walmart. I have visited once and loaded with a Vanilla VGC. That was about a year ago. As the store I went yesterday, I was worried that they stop accepting debit cards for reloads. But they still allow it. I successfully loaded with $400VGC from Target.

There are many FD stores in my neighborhood. I’m going to visit all stores and see which store accept debit cards for reloads.

I remember that I was able to use MCGC by US bank at a kiosk. But I don’t remember how long ago. Maybe, the system updated to block these cards by now, or it happens only at a register. Or, if I hit cancel on PIN pad right after a swipe, does it give me a chance to choose between debit and credit?

Today, I got a bad news from WM and good one from FD. Since a reload with Vanilla VGC via FD is still working, I went Target.com to buy more VGCs, but they were sold out. However, I found an incredibly great new item. Click here to see it yourself.

My experience with my Amex Serve so far

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I received Amex Serve card yesterday and tried to do something, but there has been no good progress at all.

First, I tried to load with $400VGC at Family Dollar, which I bought at Target.com. The gift card has the same feature as Vanilla VGCs. So, you can’t use it at Walmart for reloads. I visited only one store today. The store used to accept debit cards for reloads, but now they accept cash only. There are three stores I loaded with VGCs last year. I will see if they still accept debit cards for reloads.

Second, I received an email from Serve about the investigation of Debit card I linked yesterday. They always ask you to upload photocopies of ID and Debit card whenever you change linked cards so you can’t use prepaid cards for online-reloads. I linked PayPal Business Debit card and soon received an email that asked me to send photocopies. I did, and here is their response:

Hello

During a recent review of your American Express Serve® Account we noticed you have linked a prepaid card that is not a permitted funding source. The acceptable card funding sources are a bank debit or credit card.

Please contact a Customer Care Professional immediately at 1-800-555-4318 so we can discuss further details on this matter.

Thanks,

The American Express Serve Team

“we noticed you have linked a prepaid card that is…..” This isn’t correct. PP debit card is not a prepaid card. I used the card for Serve’s online reloads last year. I’ve been using it for Redbird online-reloads until I closed my account this month. Do they confuse it with PP Prepaid MasterCard? Or they only accept debit cards issued by major banks now?

I have two reward-earning debit cards. One is PP debit card, and the other one is Discover Cashback Checking Debit card. Discover debit card can earn 10 cents per transaction, up to 100 transactions per month. If you want to earn maximum rewards with this debit card, you have to make (100) $10-online-reloads every month. It would be obviously an abuse against both Discover and Serve. So, the only choice for me is to use PP debit card. I will call Amex tomorrow to see if it was a mistake or a new rule.

And I also need to go to Walmart and other Family Dollar stores tomorrow. While I was waiting for Serve card, there are many prepaid cards piled up. I hope ATM works good and find FD store that still accepts debit cards for reloads.

Amex Serve card arrived, enough time to load fully this month

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I received Amex Serve card yesterday. This is my second card. It has a new design (see picture below.) I closed Serve account at the end of last year and opened Redbird. Redbird had been a great tool for MS until May 6th. But now, I can’t use it for MS at any Target stores in my neighborhood. So, I closed early this month and re-opened Serve.

amex serve card

I activated the card and linked my bank account and debit card. For a bank account, I need to wait for probably a few days to see a small deposit that Serve will make to my bank account. And then I will need to verify it. For a debit card, I linked PayPal Business Debit card. The debit card is linked to my PayPal account in which its balance is always zero. I set PayPal Extras MasterCard credit card as a backup funding source. When I use the debit card, an amount is automatically charged to PP Extras credit card. However, it didn’t work with Redbird, I think that’s because a type of transaction is not a regular purchase, rather like a cash advance. So, PayPal declined transactions, I guess. If you have enough money in your PayPal account, it goes through.

I thought I would be the same result for Serve, but I just wanted to try adding $200 with PP debit card that is linked zero-balance PayPal account. As I thought, the website showed the same error message as Redbird. And soon after, I received an email that told me to upload copies of my ID and the debit for a security reason.

link debit card with serve account

When I have money in your PayPal account, there was no problem to online-load both Serve and Redbird. Although the transaction is only a transfer of your money from PayPal account to Serve account, you can earn 1% cash back from PP debit card.

Serve sent an email that I need to upload photocopy of ID and debit card. During the investigation, some features can’t be used. Whenever you change linked cards, they always request photocopies. Usually, the investigation will be done next day.

I see some changes on the website from last year. Amex Offers are visible on the website. You can see a list, details of offers and add them without leaving for Twitter or Facebook. However, you’d better check all of them because numbers of offers are different in websites. Currently, I see 35 offers at Serve.com, but there are 49 offers at Facebook. So, check all of them not to miss good offers.

amex offer at serve dot com

Discover Double All Cash Back and Q2 Bonus Category

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Background

2nd quarter of Discover will end in 10 days. I don’t spend much on these categories (restaurants and movies), and usually, these GCs can be purchased from GC resellers with more than 5% discount. So, I hadn’t even tried anything to earn bonus rewards until I enrolled in Double All Cash Back promotion. Now, a category bonus reward is 10% cash back. Although there is not much time left, I tried to find a way to earn Q2 category bonus reward.

discover double all cash back

Transaction in a statement

As a test, I bought $50 e-gift card. A category of the transaction is Travel/Entertainment. I don’t know if it’s eligible for Q2 category bonus. As for Discover Deals, I received a cashback confirmation email a few days after the transaction. Hopefully, both category bonus and Discover Deals cash back will be posted and then doubled. When everything goes well, I can make a profit by buying and selling gift cards.

cashback from dd for fandango gc purchase

Physical or Electrical Gift Card?

I didn’t know much about Fandango. But at least I knew it was the website you could buy movie tickets online. And I thought their gift cards were used online only. For that reason, I assumed that Save Ya would accept e-gift cards for sale. That was a mistake. They need you to send physical gift cards for sale. Cardpool accepts e-gift cards, but payment is 5% less than a payment of physical gift cards sales.

Recalculation

If cash backs from DD and category bonus are posted and then doubled, e-gift cards are like 30% off price. Cardpool offers 70% for Fandango GCs. So, if you buy and sell e-gift cards, you can’t make a profit. If you buy and sell physical gift cards for 75% of face value, you can make a profit although physical gift cards charge a $1.95 fee. So, around 3% will remain in Discover’s reward. There is $1.95 fee per card and no discount even if you order multiple gift cards.

Physical Gift Card Order

I decided to keep $50 e-gift card for myself and order physical gift cards for resell. I ordered five $100 gift cards. The total is $509.75. Fandango has a promotion for GC purchase of $50 or more. For each order, I got one $20 promo code to spend at Shutterfly (one for e-code purchase and one for physical GC purchase, total two promo codes.) I don’t know what they are. I will find out later.

fandango gc promotion

Summary

All Double Cash Back promo is great, but the timing is bad. It’s the last month of Q2 now, and there is no way to confirm all cash back before Q2 category bonus ends. Since I received an email from Discover Deals, it’s most likely that cash back from DD will be posted. Q2 category bonus remains unknown. But Discover has many discounted gift cards for redemption. I always redeem the reward for Staples GCs, which is 20% discount. Considering this, I won’t lose money even if Q2 category bonus won’t be posted.

 

My Amex Serve card is on its way!

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amex serve card is on its way

I received an email that told me that Amex Serve card is shipped out. A few days ago, I closed Redbird and re-applied Serve. Here are the posts about the background of this event.

Probably, I will be able to receive the card next week. If it arrived before 26th, I will be able to do five online reloads. As for in-store reloads, I’m not worried because I need at least 2 days for $5000 reloads. Currently, there are five $200VGC and three $500VGC waiting for being swiped at Walmart ATM. And one $400VanillaVGC is to load at Family Dollar. Two more $200VGCs will be added through Staples Easy Rebate next week. I also need to buy two more $200VGC at Bed Bath and Beyond to redeem fully 2nd category bonus of Chase freedom. It’s $3700 in total. For the rest ($1300), I will buy VGCs at BBY or supermarket and use PayPal Business debit card directly.

Triple Rewards on 1800flowers Purchases through July 31st

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Fuel Reward Network has a promotion for purchases at 1800flowers.com. You can earn 10¢/gallon discount on every $50 spent. $50 isn’t a minimum requirement. An amount you spend is cumulative and recorded in your FRN account. Once the total reaches $50, they post the reward to your account.

1800flowers frn promo

10¢/gallon is worth up to $2. So, the reward is equivalent to 4% cash back. If you don’t know about FRN, please click here.

The greatest point of this promotion is that it is not a shopping portal deal, but MasterCard and Visa cards link deal. In other words, you can earn cash back or travel reward from shopping portal site and an FRN reward with a single transaction.

FRN online mall has 1800flowers, but you don’t have to use this portal. There are the better ones. The best rate is 15% from Discover Deals. When you purchase something at 1800flowers with a linked credit card, you will earn 15% cash back and 4%-equivalent in FRN Rewards.

So far, it’s only double. What is the third one to make sense of the title of this post? It’s Shop Your Way. SYW is also a partner with 1800flowers. You can link your MasterCard and Visa cards. When you use a linked card for a purchase, you will earn SYW rewards. SYW offers 20% back in SYW points. Fortunately, FRN and SYW partner program don’t affect each other. You can earn both card-link partner reward. So, it’s now triple.

Plus, you can earn 10% back in Celebration Reward (loyalty reward program of 1800flowers.) And there is your credit reward, too.

What’s more? You can earn all rewards above on a purchase of GCs. 4%+15%+20%+10%+1%=50% A half of expense will be back in a variety of rewards. Their GC can be sold for around 60% of face value to GC exchange sites. By rough estimate, 10% reward will be remain!!!