AmEx Gift Card

Recent AmexGC purchases via TopCashback

Posted on November 19, 2015November 19, 2015 by admin

TopCashback has canceled cashback on my two transactions made at the end of October. Both orders were (5) $200 GCs with a promo code that waive $3.95 purchase fee (of all GCs).

On the other hand, I made four transactions of a single $200 GC with a promo code at the beginning of October. These are for redeeming Amex Offer ($10 statement credit for the purchase $200 or more Amex GCs.) Each cashback for these four transactions is confirmed.

I’m not sure of the reason for cancellation of cashback. Did the promo code cause it? If so, why were four transactions eligible for cashback? Did purchasing a large amount cause it although a denomination of each card was $200?

In either way, the cashback deal on Amex GC purchase is over. No promo code, no deal. 1.5% cashback doesn’t even cover a $3.95 purchase fee. Even if a promo code works, but you need to buy only one $200 at a time, you will have to make so many transactions. And I believe that Amex doesn’t want you to do that, either.

I made the same transaction ($200 x 5 with promo code) on November 9th. There is pending cashback for this purchase, but it will be canceled in a few days, I guess.

New Amex Offer $10 back for the purchase of Amex Gift Card $200 or more

Posted on October 3, 2015October 14, 2015 by admin

New Amex Offers are available. I glanced all of them, and one is a really good offer.

Get a one-time $10 statement credit by using your enrolled Card to spend a total of $200 or more online at americanexpress.com/gift by 12/31/2015

I’m glad that all of my Amex credit cards have the offer. And, it’s funny!? Amex Serve also has the offer. I believe that Amex doesn’t accept GCs including reloadable prepaid cards. Last year, they offered exactly the same one for my credit cards and Serve. Redeeming the offer with credit cards was no problem, but I couldn’t do it with Serve because they declined the order and sent an email saying ” At this time we do not accept gift cards as a form of payment.” Money was on hold for around two weeks and returned. (see details here) Then, around two months later, Amex credited $10 to my Serve account as “Good Faith Credit” because they offered something that was impossible to redeem. (see details here)

Now, there is the same offer to my Serve card. What is going to happen this time when I use Serve for the purchase?

Probably, the order will be declined, and luckily get $10 good faith credit later or they don’t give me good faith credit this time.

Whatever it happens, I don’t lose money. So, I checked out $200 gift card with Serve via Topcashback (1.5%) portal. As I expected, I received an email of “You just used your Amex Offer” right away. And, 15 minutes later I knew that my order was approved. I was surprised. Last year, they said in the email, “At this time we do not accept gift cards as a form of payment.” So, do they accept GCs as a form of payment now? Can I use Amex GCs to buy Amex GCs?

If they accepted Amex GCs for Amex GCs purchases, and cash back from portals pays $2000 GC purchase, it would be great. For example, you order $2000 Amex GC via 1.5% cash back portal (say you have enrolled in premium shipping plan) and you use that GC for smaller denominations of Amex GCs purchases.

1st order: spend $2003.95 out of your pocket and earn $30 cash back
2nd order: spend $1003.95+$503.95=$1507.90 with $2000GC and earn $15+$7.50=$22.5 cash back
3rd order: spend $503.95 with $1000GC and earn $7.50 cash back
Now you have 4 Amex GCs, $1988.15 in total (2*$500, $496.05, and $492.10.) and earn $60 cash back!

However, the rule of cash back has changed recently. They pay cash back for the purchase of $200 or less. A purchase fee of $200 GC is roughly 2%. 1.5% cash back isn’t good enough to earn extra cash back.

Please note that I’m not sure that Amex accept Amex GCs for Amex GC purchase. And my order ($200 GC purchase with Serve) can be declined in the future.

Update 10/09/2015

$200 Amex gift card (the order placed on 10/3) has arrived on 10/6, and $10 statement credit has been posted on 10/9. So, they now accept Serve as a payment for the purchase of gift cards. What about other cards? Probably, they accept Bluebird as well, but what about Amex Gift cards. Can I buy a gift card with a gift card over and over? On the order placed on 10/3, I didn’t use a promo code to waive a purchase fee. That was stupid of me because cash back earned from Topcashback is only $3. It won’t even cover a purchase fee. I shouldn’t have expected cash back and just used a promo code. So, on my next order (paid with one of my Amex credit cards), I used a promo code. However, just in case I clicked Topcashback’s link. Then, I received email from them and saw $3 pending cash back posted in my account. I hope this won’t be clawed back.

Amex Business GC Offer returned to Fuel Rewards Network Online Mall

Posted on June 19, 2015June 19, 2015 by admin

In 2014, there was the offer of FRN (Fuel Reward Network) 2X then reduced to 1X, then it disappeared. It came back for a while and then disappeared again. After that, there has been no offer for Amex GC purchase. I check the portal site recently, and I found the offer was back. It’s 1X, which is equivalent to 2% cash back.

As far as I can tell it’s been three weeks in FRN online mall, and may have been around for more than weeks. The offer can’t be found in “Gift Card” category, but there is in all store’s list or by typing “american….” in a search box. Last year, the offer was easily found in “Gift Card” category. Of course, you were able to found in all store’s list or by entering “american express gift card” in the search box, too. But, it’s easier to click “Gift Card” than to type the word in search box. I had been checking the site to see if the offer came back, but I checked only in “Gift Card” category. Weeks ago, I glanced all stores without any expectations and found the offer back although you can’t find in “Gift Card” category.

1X FRN reward is equivalent to 2% cash back. 1X means that you can earn 5¢/gallon discount on every $50 purchase through FRN online mall. FRN rewards can be redeemed at participating Shell gas stations, up to 20 gallons in single fill-up. 5¢ x 20 gallons = $1.00. $1.00 back on $50 spent. So it’s equivalent to 2% cash back.

Terms and conditions of this offer are the same as other online shopping portals, such as Befrugal and Topcashback. But it seems to be limited to Business Gift Cards. You can’t use promo codes. And the denomination more than $2000 are not eligible for the reward. When you buy the highest denomination, (it’s $2000) you will earn a $2.00/gallon discount.

Again, according to terms and conditions, only Business Gift Cards are eligible for the offer. Sometimes, Topcashback offers 2.25%, and Simply Best Coupons offer 2% cash back for Amex Business GC purchases. But they are usually a daily deal. FRN is continuously offering a 2%-cashback-equivalent deal.

If you want to know more details of Fuel Reward Network, please click here.

Until July 31st, FRN has a linked MasterCard or Visa card promotion. With some conditions, you may earn the reward virtually for free. If you are interested, please click here.

Best Buy E-Gift Card Promo with Cash Back Portal Deal

Posted on June 18, 2015June 18, 2015 by admin

You may see a lot of Father’s Day’s promotions throughout the web. The promotions are not limited to regular merchandises, you may also see the promotion on gift card purchases. Personally, I just bought Staples and Best Buy e-gift cards and happened to know that there was a cash back portal site for BBY e-GC purchases.

Many merchants sell e-gift cards as well as physical gift cards. Some merchants pay cash back for purchases of both physical and e-gift cards, and some merchants don’t pay for either of them. And also some merchants pay only for physical gift card purchases. This may happen because e-gift cards are sold at different sites called Cashstar.

When you enter bestbuy.com and click Gift cards on the top, you are still in bestbuy.com. However, when you click Get Started (left at the bottom of the picture below,) you are taken to the outside of bestbuy.com. A web address is bestbuy.cashstar.com. The same things happen to some other merchants. For example, you enter gap.com and try to buy an e-gift card, you are taken to gap.cashstar.com.

If you have Amex Offer, you can’t redeem some of them with e-gift card purchases because of this fact. That’s why you see “e-gift cards are excluded” in terms and conditions of many offers. It actually happened to me with Chime Offer. The offer was $5 back on $50 or more spent at Best Buy. I purchased $50 e-gift card, but I couldn’t see $5 credit posted in my account. An hour later, I purchased $50 physical gift card. $5 credit was posted instantly.

Today, I happened to find this “Cashstar” in cashbackmonitor.com while I was checking cash back rate for other merchants. So, I have no idea how it’s been existing. SimplyBestCoupons offered the highest, 2% cash back yesterday. Best Buy’s link was in the section of sale/discount. I clicked the link and bought $150 e-gift card. Soon, I received an email from SimplyBestCoupons, and a pending cash back was posted. So many merchants use Cashstar for e-gift card selling, but merchants offering cash back seem to be limited. I check the website today, and they have updated terms and conditions. Now you can see a full list of merchants that is available for cash back. And the rate is reduced to 1.75%.

What I like about Simply Best Coupons is that they send an email for all transactions very quickly. They send an email and post $0 even when you purchase something that is not qualified for cash back. I bought Starbucks gift card at Target.com on 6/2.

As you see, I received $0. So, I’m sure that the item is not qualified for cash back. (As long as I know, there is at least one GC at Target.com is qualified for cash back.) And also, they sometimes offer 2% cash back on Amex Business gift card purchases. The next offer is coming soon. It’s on 06/22/2015. If you don’t have your account yet, please use my referral link to sign up.

Close Redbird, Open Serve due to more restrictions to reloads

Posted on May 25, 2015May 25, 2015 by admin

When Target stopped accepting credit cards for Redbird reloads, I decided to close Redbird and open Serve. I thought which one to open (Bluebird or Serve.) After some research, I have chosen Serve over Bluebird. Serve is the only card that you use credit cards for online reload. They used to accept any credit cards. But now, they only accept Amex credit cards. And if you use Amex-issued credit cards, you can’t earn the reward. To earn a reward, you have to link non-Amex issued credit cards, such as Fidelity Investment Rewards American Express Card. I don’t have any non-Amex issued credit cards now, but I will apply in the future.

I made a plan when Target changed the rule of Redbird reloads. Here my original plan goes:

load Redbird to the limit by 5/10
unload completely by 5/12
wait 3 to 5 business days for the last transaction (it’s most likely a withdrawal to my bank account) to complete
As soon as the last transaction completes, close Redbird and apply Serve
load Serve to the limit by the end of this month

However, I found it too busy to load Redbird. It took more time than the plan, and probably there was no enough time to load Serve. So I decided to do this next month.

Now, I have time to reconsider Redbird benefits over Serve. Here is some benefit of Redbird:

Target is the store I go very often
Target accepts Vanilla VGCs

There are only two benefits, but they are enough reasons for me to keep Redbird. I had once changed my mind and decided to keep Redbird. However, Target store in my neighbor applied their own rule. They don’t accept prepaid cards. Probably, this rule has been applied since May 6th, the date all Target store in the U.S. stopped accepting credit card for reloads. On the top of that, they don’t accept PayPal Business Debit card, which my name is embossed. A clerk said, “We only accept cash or debit cards issued by major banks, Chase, Citi,…..”

At that moment, my mind’s made up, I will close Redbird and open Serve for sure. Because of this store’s own rule, the closest Target store that accepts GCs for reload is now 20+ miles away. (there are seven other stores within that range, and they had already stopped accepting GCs even before May 6th.)

If you can buy Vanilla VGCs with credit cards at drug stores, or somewhere else, Redbird still has the advantage over Serve on that point. But my local drug stores don’t accept credit cards for payment of a large amount of GC purchase. The place I can comfortably buy is target.com. $400 VGC charges $6 fee; it’s 1.5%. You can use AmexGCs for the purchase and buy multiple GCs at a once. Keep it in mind, it’s always better to have many options for your MS. I may be going to use for Serve reload via Family Dollar. (I haven’t been to FD since I closed Serve for opening Redbird. I hope this option is still alive.)

Will I double-MS next month?

There was a forum post. It said that he or she had to wait for 30 days to apply a new card (Serve) after closing an old one (Bluebird). I used to have Serve and closed it for opening Redbird. As soon as the last transaction of Serve completed, I closed Serve. And then I applied permanent Redbird. It was about 10 minutes after closing Serve and was succeeded. So I was able to double-MS that month. In terms of switching Redbird to Serve, I couldn’t find the specific information. But big deal, I will close Redbird, anyway. For a possible double MS, next month, I will need to load and drain Redbird as soon as possible.

Target No Longer Accepts Credit Card for Redbird Reloads

Posted on May 7, 2015May 7, 2015 by admin

Overview

A new rule was reported in many forums and blogs on May 5th, and it’s implemented on May 6th in all U.S. Target stores. It’s hard-corded. The POS system won’t allow credit cards as a payment for Redbird reloads.

Background

Before this new rule, several Target stores in my neighborhood already had their own rules. For examples, “Cash or Debit Only” “No Credit Cards” “No Prepaid Cards (gift cards)”, etc. However, there are many other Target stores in my neighborhood. So, I didn’t have much trouble reloading Redbird until yesterday. Loading with credit cards was the main benefit of Redbird for me (and I suppose, for the most cardholders, too.) I mostly used AmexGCs for reloads. It was really easy to reload $1000 without worrying about a decline by a bank. You didn’t have to deal with fraud alert as long as a GC has enough balance on it. Now, the benefit is gone, and this new rule is hard-corded and nation-wide. There is no way to get around it.

Current Accepted Payment Methods

Target accepts Cash or Debit for reload. Reportedly, the system allows PIN-enabled gift cards. But I think some stores don’t accept gift cards because of store-specific rules. And I don’t think split payment works anymore. When I asked split payment, transactions of each card were treated as credit. (see details here) So, from now on, you will need to make separate transactions with each gift card.

What is the best now? Redbird or Bluebird or Serve

The main benefit of Redbird is gone. I’m going to close Redbird and open Bluebird or Serve. I’m still thinking which one to open, but I’m sure I will close Redbird. The new rule makes Redbird inferior to Bluebird and Serve for the following reasons.

Too Mush Hassle for reloads

You can’t use AmexGC anymore. For MS, the only option is to use PIN-enabled gift cards. I will use many $200 VGCs from BBY. 25 reloads ($200×25=$5000) every month are too many hassles. Besides, most local Target stores allow to reload at guest service only. Regular cashiers are not allowed, or simply they don’t know about Redbird. Each store has only one guest service. This means I have to go and ask the same clerk for multiple reloads. It’s not comfortable. Bluebird and Serve can be loaded by a kiosk at Walmart. You need to separate transactions with each gift cards, but it’s not a big deal because what you deal with is a machine. Even if a kiosk is out of order, regular cashiers know how to load.

5% REDcard discount isn’t that great

5% instant discount sounds nice, but you can get more discount by purchasing TargetGCs from gift card resellers. It’s not difficult to find 5% or even 6% discounted GCs. If you buy those GCs with reward credit cards, an overall discount would be more than 5%. In case discounted TargetGCs are all sold out, keep in mind that Staples sells e-codes online. If you have Chase ink business credit card, you will earn 5x bonus reward on the purchase. So, 5% discount is not exclusive, and even more discount would be possible.

Amex Offer

Recently, Bluebird has been able to be connected Amex Offer via Twitter, Facebook, etc. And Serve has been also able to do it quite a while. Only Redbird can’t. Maybe in the future, but I don’t want to wait for something uncertain and miss good Amex Offers.

My Plan

I used to have Serve. I closed it for opening Redbird. From my experience, you can apply a new one right after closing the existing one. In order to close the account, you need to unload the card completely, by bill pays or withdrawing to linked bank account, which takes 3 to 5 business days. For this month, I have already done $1000 online reload, but in-store reload is only $1400 so far. I will load as much as possible in this week and unload completely next week. Then I will close Redbird and open Bluebird or Serve. There have been some minor changes to these cards since I got Redbird. So, I will need to review all benefits of both cards to decide which card is better for me.

Loading A Temporary Target Prepaid REDcard

Posted on December 23, 2014December 24, 2014 by admin

I registered Target Prepaid REDcard (AKA Redbird) yesterday. A permanent card is now on the way. Until the permanent card arrives, I can use a temporary card for reloads, purchases, ATM use. A balance of my temp card is $1. The person who bought the temp card loaded $1 when activated at his or her local Target store. (I bought the temp card on eBay. Click here to see details.)

Now, I can load money up to $1500. I took AmEx GC and Visa GC to Target and planned to make two reloads with them. First, I went to the customer service. I told the clerk that I wanted to load $500 to the temp card. She swiped my temp card on a register that is facing to them. Then a PIN pad that is facing to customers says, “Slide your card.” I did it with AmEx GC. After I had signed on a PIN pad, the clerk asked me to hand her the AmEx GC. Then she typed something on the register (probably the last four digits of the card.) Nothing else can check, anyway. There is no name on AmEx GC, and there is no name on the temp card, either.

She gave me back both cards with a receipt of reload. My first reload to Redbird was done successfully. It was very smooth. I was worried if they don’t know how to load or refuse to load. Because in the state I live (NY), Redbird hasn’t been available for purchase yet.

After that, I bought some groceries with the temp card in the same store. And then I tried to reload at a cash register which I just bought groceries. However, the cashier told me that I had to go to the customer service for reload. I didn’t want to go to the customer service again. So, I left the store without the second reload.

This was what I had never expected. I assumed that I could have it loaded at any cash registers as well as the customer service just like at Walmart for Serve reload. I thought back a little while and tried to remember what blog posts and forums said. None of them mentioned about such a thing. So, I guessed that the cashier didn’t know how to reload or that the store instructed cashiers to send customers to the customer service for reload. To make sure of it, I went to the next Target store which was only a mile away.

At the next store, I went to the customer service first because I wanted to make sure that I could use Visa GCs for reload. I brought two $200 Visa GCs which I had bought at Best Buy. This time, I asked a store clerk to load $400 and make a payment split into two. The process was the same as the previous one until I swiped the first card (Visa GC.) A display of PIN pad prompted to enter PIN, but the clerk told me to press “Cancel”, which is a red button at the bottom left corner of PIN pad. And then a display (touch screen) showed “Debit” and “Credit.” I was told to press “Credit” and signed. I did the same for the next card.

It’s very impressive. These two reloads were made with GCs, and they were used like credit cards. But, Target’s POS system recognizes the cards as prepaid GCs and even shows the remaining balance of GCs on the receipts. It is very useful when you have Visa, MasterCard, or AmEx GCs that have a small amount. I receive a lot of GCs as forms of rebate from Staples, Newegg, TigerDirect, etc. They usually have small amounts, and many of them are not whole numbers. (often, $7.99, $86, etc.)

In that store, I made a small purchase with the temp card and then asked to load at the cash register. This time, I successfully had it reloaded. I used one $200 Visa GC and entered PIN (used as debit card.) Here is the receipt (on the left.) As you see, it doesn’t show the balance of GC.

When you use Visa or MasterCard GCs like credit card for reload by split payment, Target’s POS knows the amount of GCs. So, maybe I don’t have to tell the cashier the remaining balance of GCs. I wonder if it automatically drains the remaining balance and up to how many cards Target allows in a single transaction. I will find out later.

Target Prepaid REDcard through eBay

Posted on December 15, 2014May 3, 2015 by admin

I have been waiting so long for Target Prepaid REDcard (AKA Redbird) to show up at Target stores in the state (NY) where I live. However, there have been no sign of it. I asked store clerks several times, but they don’t even know its existence.

Since I don’t have family or friends in states where Redbird is available for purchase, I was just waiting, but I can’t wait anymore. I ordered a temporary card on eBay.

I’ve read and re-read all posts related to Redbird in Frequentmiler’s blog. According to the posts, it doesn’t matter if the information of the purchaser and a person who register don’t match so you can ask someone to buy a temp card for you. When you active (buy) a temporary card, you give your name, address, BOD, and SSN to Target. They check your ID. So, name, address, and BOD are supposed to be real, but SSN isn’t. I guess all eBay sellers use made-up SSNs when they activate temporary cards.

There are some different types of listings. Some sellers sell non-activated temp cards. The prices of non-activated cards are around $10 less than activated ones. If you order these cards, you will need to activate at Target store for yourself. And reportedly, there are some cases where temp cards may not be activated in states where Redbird is not available. Besides, I wonder how they got those cards. I don’t think they got them in the right way. You’d better avoid dealing with them. And also, there are sellers who lists temp cards that have been activated and loaded only a penny! I just don’t want to deal with such people.

The card I ordered is a temporary card that has been activated and loaded $1. The seller offers an option to send pictures of front and back of temp card via email so I could register online right after a check-out. I asked a physical card in the package to be sent by mail, though. One of the reasons for that is I have never seen the package other than ones in pictures. I just want to see it and touch it and open it. The other reason is that I can’t close Serve account right now. Recently, there are many good Amex Offers. I rushed to redeem all good offers, but statement credit from some offers hasn’t been posted yet. Even if I get information of temp card via email, I won’t be able to register right now.

Advantages of Serve

Both Serve and Redbird can reload in-store up to $5000 per month and online reload with debit cards up to $1000 per month. However, Serve has an advantage over Redbird by $1000 online reloads with credit card. And Serve can sync up with Amex Offers, but Redbird can’t.

Advantages of Redbird

Conversely, the advantage of Redbird over Serve is you can receive instant 5% discount for purchases at Target. And Target currently allows any types of payment for in-store reloads. 5%-discount alone isn’t great because I already have REDcard debit. But you can add money with reward credit cards and then use the card for 5% discount. That means you can get more than 5% discount for Target purchases.

When I compare each advantage, Redbird is more beneficial to me than Serve. There are several Target stores in my neighborhood, and I shop there very often. As for Walmart, it is not far away but further than Target, and I buy something there only when I visit for reloading Serve.

There is a couple of other reasons that I chose Redbird over Serve. I don’t buy less Visa GCs than I used to. The source of Visa GCs was mainly staples.com. I used Chase ink Cash credit card for those purchases to maximize the rewards. Chase ink Cash offers 5% cash back for purchases at office supply stores up to $25000 annually. It is unlikely for me to use that much for merchandises. So, I used to buy Visa GCs from time to time. However, I don’t need anymore since Staples started selling eBay GCs. eBay is a great place to buy discounted GCs. I spend a lot for discounted GCs on eBay.

Here is another reason. Before eBay GCs showed up at retail stores, I had been using AmEx GCs for eBay purchases. When I buy AmEx GC, I earn credit card reward and cashback from shopping portal. But AmEx GCs spending slowdown now because of eBay GCs. Redbird would recover the spending speed of AmEx GCs or rather boost up by reloading Redbird with AmEx GCs.

Summery

There are two types of listing of Redbird on eBay.

Non-activated: Sellers will send you an unopened package, which is exactly in the same condition hanged on GC racks in Target stores. You will need to take it to Target store and have it activated. As some sellers say in listing pages, you may have trouble activating it at the store where Redbird isn’t for sale.
Activated & Loaded: Sellers purchased at their local Target stores and had them activated. Temp cards are loaded at least $0.01. Shipping options vary from one seller to another. Some sellers send the whole package to you, and some sellers send you photos of temp cards. There are also sellers who let you choose one between these two options.

FRN Resumes 1X Rewards on American Express Gift Card

Posted on October 9, 2014October 9, 2014 by admin

Today, I found “American Express Gift Card” in Online Mall of Fuel Rewards Network (FRN). They stopped offering the deal last month along with other cash back portals like Befrugal and Topcashback. And these cash back portals and some others restarted the offer at the beginning of this month. FRN didn’t have an offer until yesterday, but they do today.

If you buy a $1000 AmEx GC, you will receive $1.00/gal discount which you can redeem at participating Shell gas stations, up to 20 gallons. Thus, FRN’s “1X rewards” is equivalent to 2% cash back. (click here to see more details of Fuel Rewards Network.)

Currently, the best rate of cash back portal is 1.5%. So, FRN is the best portal right now (at least for me and for those who drives a car.)

AmEx GC has a purchase fee; it is only $3.95 per card. You may find a promo code to waive the fee, but you’d better not use it because most likely you won’t receive a reward if you use it. (Neither will you when you purchase through other portals. see details here.)

I also found that Marriott Rewards offers 1 pt/$. I have never used this portal site. So, I don’t know how much its point is worth. And I don’t know if it is a good deal.

Anyway, these are all good signs. More and more portals resumed the American Express Gift Card offer. What’s next? Will they raise the rate of cash back or reward? Not long ago, the best offer was 4% cash back from Lucky Rewards and 2X rewards from FRN. I hope this rate will be back soon.

AmEx Gift Card Cash Back Portals are Back

Posted on October 2, 2014October 7, 2014 by admin

I noticed today while I was surfing the internet. I saw a banner ad of Topcashback. It said that they offer 1.5% cash back on American Express gift card purchases. I jumped to the site and made sure that the deal was back. I also checked the terms. It says “Please note that the use of a American Express® Gift Cards & Business Gift Cards promotional/coupon code not posted and approved by TopCashback, may affect your eligibility for cashback.” It is slightly different from the previous one. (between the times of cash back rate reduced and right before Topcashback stopped offering cash back on AmEx GC purchases. see details here.)

Either Cashbackholic.com or Cashbackmonitor.com hasn’t update the change, but BeFrugal also resumed the offer. Unlike the term at Topcashback, BeFrugal clearly says “Cash back not valid on any order with a coupon code applied.” So, you’d better not use any coupon or promo codes even if you purchase through Topcashback.

I checked other portals with some hopes of a better cash back rate. Here are the results.

Big Crumbs 1.5%
Simply Best Coupons 0.75%

These are all I could find for now. None of portals has coupon codes. Except for BeFrugal, the terms about coupon codes are vague. However, as long as BeFrugal says “no cash back if you use coupons,” I won’t use coupons. BeFrugal is my faviorite, and I trust the most.

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