Visa gift card

Walmart MoneyCard Reviews

Walmart MoneyCard is reloadable prepaid card that has Visa or MasterCard logo on it. You can use it just like as a debit card. For standard debit cards issued by U.S. major banks, you have to have enough money in your bank accounts to make a purchase with the cards. For reloadable prepaid cards, you need to add money to your card’s account. (It is also like a bank account, but it exists online only.) As its name shows, Walmart MoneyCard has benefits for people who visit Walmart often.

walmart moneycard preferred no fee for reload

Load with Visa/MasterCard Gift Card

You can load the card with Visa or MasterCard gift cards at Walmart ATM. Once money is loaded, you can make a purchase in stores and online anywhere Visa or MasterCard is accepted. Depending on stores, you can get cash back at the register. By using self-checkout cashiers, you don’t have to feel awkward when you get a large amount of cash back with a small purchase. The card does a great job for liquidating Visa/MasterCard GCs.

Pay Bills

You can pay credit cards’ bills. The single transaction is limited $1000. It is not a lot, but if you have another prepaid card that have a bill-pay feature (for myself, AmEx Serve), pay bills with both cards in turn. Paying large bills and paying too frequently with the same card are red flag, anyway. Using multiple prepaid cards to pay bills helps each payment smaller and interval between payments with the same card longer.

Basic / Plus / Specialty / Preferred

which walmart moneycard is right for you

There are four versions of Walmart MoneyCard, but I recommend only one “Preferred”. That’s because “Preferred” is the only version that offers $0 reload fee at Walmart ATM. The others charge $3 for every swipe reloads.

About Fee

monthly fee waiver optionThere is no fee when you load at Walmart ATM, make a purchase in stores, get cash back with purchases and pay bills. The card costs $4 (one-time payment for a personalized card), and monthly service fee is $3. The monthly service fee is waived if you load $500 or more in a calendar month. You can withdraw money at MoneyPass ATMs with no surcharge, but ATM owner fee would be charged. So, I’ve never withdrawn money at ATMs. Just make a small purchase and get as much cash back as possible.


Walmart MoneyCard Preferred is a great tool to liquidate Visa/MasterCard gift cards. There is no fee to load with GCs at Walmart. And the money in the card can be quickly unloaded by getting cash back with a purchase at stores. And paying bills of your credit cards boosts up your manufactured spending. You can choose between Visa and MasterCard when you apply the card. You can also add a favorite photo to your personalized card for free.

The features I described in this page are only ones I usually use. This is how I use my Walmart MoneyCard. There are more ways to load and unload. For more details, please visit

Please note that Green Dot is very strict and shutting down account without a notice. To avoid getting shut down, read the post “Green Dot Shut Down my Walmart Money Card Preferred.”

Ultimate Strategy of Fuel Rewards Network 2/2

If you never sell stuffs online, the strategy described on the previous post might be a little overwhelming. If there is a way to turn an AmEx gift card into cash easily, you will earn the reward over and over. Of course, there is no such a perfect method. However, there is a way to do so with a little work and some conditions.

Sell AmEx Gift Card on eBay

selling amex gc on ebayThe fastest way to turn AmEx gift cards into cash is to sell them on eBay. Look at the picture. It shows how much fee eBay and PayPal charge you. To get $500 by selling $500 AmEx gift card, you have to sell a gift card at the price of $574.40 (plus shipping cost). Obviously, it is a bad deal for eBay buyers. I guess nobody buys it. But what if you sell five $100 gift cards? For $100 gift card, you need to sell it for $115.15. On eBay, some gift cards are very popular. For whatever reasons, some people pay more than face values for those gift cards. Please remember about $3.95 purchase fee on each card when you buy AmEx gift cards, and $115.15 doesn’t include it. American Express offer free-purchase-fee promotion very often. You can take advantage of the promotion when you sell AmEx gift cards on eBay.

eBay’s Policy of Selling Gift Cards

ebay gift card policyHowever, actually I have never tried to sell any AmEx gift cards on eBay because of eBay’s gift cards policy. According to the policy, you cannot sell Visa, MasterCard, Discover, or American Express Prepaid cards regardless of the amount on the card. You cannot even sell used (no-value $0) prepaid cards as collectibles if an expiration date on the card is within 10 years. Despite the policy, so many cards are sold on eBay. You rarely see active listings of Visa, MarsterCard, Discover, and AmEx because they are sold quickly. If you click “complete listings” or “sold listings”, you will see a lot. It seems easy to sell $100 AmEx gift card for $115.15, but what if buyers report a charge-back? The items are prohibited by the policy, so I don’t think eBay’s seller protection covers these transactions. I sent a question about it to eBay by email, and I’m waiting for an answer. Until my question is clear, I don’t want to risk losing money by selling AmEx gift cards on eBay.

Buy Visa Gift Card

visa gift cardThe reason of converting AmEx GCs into Visa GCs is that Visa GCs are much closer to “Cash form” than AmEx GCs. Unlike AmEx GCs, Visa GCs have some features of Debit Card. Depending on stores, you can get cash back at registers. And more conveniently, you can load BlueBird or Serve with Visa GCs, and then pay bills, withdraw cash at ATM, or transfer to your bank account.

Now, the cycle is completed. You can buy another AmEx GC. There is one problem, though. That’s Visa GCs charge a purchase fee. Purchase fees vary depending on types and denomination of Visa GCs. You should choose a GC with low percentage fee.

Ways to avoid the purchase fee

There are ways to avoid the purchase fee of Visa GCs. Exactly speaking, you can never avoid a purchase fee, however, by using the following store’s gift cards, a purchase fee are offset. Here are what I have found so far.

  • Buy 6% or more discounted Target GCs, and then buy $100 Target Visa GCs with Target GCs
  • Buy 3.5% or more discounted Staples GCs, and then buy $200 Visa GCs with Staples GCs

target and staples gift card secretBoth and allow to purchase gift cards with their own gift cards. If you can get these store’s GCs with equal to or more discount than a purchase fee of Visa GCs, you may as well avoid a purchase fee. It is kind of hard to find 6%-discounted Target GCs, but you can always find 3.5%-discounted Staples GCs at Gift Card Granny. This step may take extra time (a week or so for store’s GCs to be delivered). Instead, you don’t lose money in transactions of purchasing Visa GCs.


That’s all I can come up with so far. To earn a lot of rewards, you have to spend a lot of money. American Express Gift Card is the perfect choice. Use AmEx GC for everyday’s spending unless your credit card has a better reward, such as Blue Cash Preferred 6% Cash Back at grocery stores and Chase ink 5% Cash Back (5X) at office supply stores. And you can buy Visa GCs to boost up the speed of the cycle. The reward shows up and is available for you to use approximately 30 days later. By keep doing this strategy, you get a steady flow of gas reward.

You can join in Fuel Rewards Network online. FRN card will arrive 7 to 10 business days. You need FRN card to redeem the reward, but you don’t need it to earn reward. Start earning today! Click here to sign up (it’s free!)

No Longer Purchase Gift Cards with Staples Gift Cards Online?

I noticed today (July 25th, 2014), Staples gift cards can’t be used for the purchase of any gift cards at The last order I made was a week ago. I bought one $200 Sears e-gift card. I used five Staples GCs (that had all small amounts) and Chase ink business credit card for the rest. The check-out was smooth, and the e-gift card was delivered a few days later.

And today, I tried to reorder, but can’t choose Staples gift card as payment. In check-out page, there are five payment methods: Credit Card, Visa Checkout, Staples Gift Card, Staples Rebate Card, and Pre-Paid Card. However, a check box of Staples Gift Card is dim and not clickable. I tried for Visa gift cards, but it was the same. I couldn’t choose Staples Gift Card as a payment.

no longer accept staples gc

Next, I added regular items like k-cups and copy papers, but the check box is still not clickable. Then I removed gift cards from a cart. Now I was able to click the check box of Staples Gift Card.

It seems that Staples no longer accepts Staples GCs for purchases of any gift cards. I was receiving Staples GCs from Discover credit card reward, and also purchasing at 5% to 7% off price at gift card exchange sites like Cardpool or ABC Gift Card.

Discover offers 20% discount when you redeem the reward for Staples GCs while it offers 10% discount for Sears GCs. So, I redeemed for Staples GCs and purchased Sears e-gift cards at It takes time, but I managed to get 20% discounted Sears GCs in this way.

The reason I bought Staples GCs at Cardpool or ABC Gift Card was that I wanted to speed up the process of spending American Express Gift Cards. I bought 5% to 7% discounted Staples GCs with AmEx GCs, then purchase Visa GCs at Visa GCs charge a purchase fee, but 5% to 7% discount offsets the fee, even leaves a profit. Once I get Visa GCs, I can reload AmEx Serve at Walmart, and then pay bills or withdraw money to my bank account.

Now that Staples GCs can’t buy other gift cards, I should stop ordering Staples GCs. I can continue to buy gift cards with Chase ink credit card, but I should look for another way to spend down AmEx GCs.

Vanilla / OneVanilla / Target Visa Gift Card Problems

It used to work before, but didn’t work yesterday. Since I found out that ShopDiscover, Discover’s shopping portal, pays out cash back on the purchase of Target Visa GCs, I have purchased many Target Visa GCs. It used to be able to reload American Express BlueBird/Serve with Target Visa GCs at Walmart MoneyCenter Express. But their system has recently updated so that it declines Prepaid gift cards issued by Bancorp, such as Vanilla, OneVanilla, and Target Visa GCs. I also used $100 Target Visa gift cards for purchases of Costco Cash Cards and got cash back at the same time. But now this isn’t available, either.

Visa GCs issued by Bancorp can’t be attached with your name or address. All you can do is to assign Zip code. Since online merchants can’t verify your billing name and address from the cards, many online merchants decline transactions.

So, for what can you use them?

Purchase at stores

You can use it anywhere it accepts Visa, purchase for merchandises that cost less than $100 in total. Depending on stores, you can use multiple GCs for a single transaction. You should ask store clerks at first.

Add to your amazon account

You can add not only Visa prepaid GCs, but also AmEx GCs to your amazon account. You can shop items at If you have “left-over” GCs, like $1.37 or $5.69 left, redeem for amazon e-codes. A great feature of amazon e-codes is that you can choose any amount in increment of as little as 1¢. (As of July 2014, an e-code can be purchase between $0.50 and $2,000.)

Send Via Amazon Payment

Since you can add prepaid GCs to your amazon account, you can send money to your friend, member of your family, or someone you can trust, through Amazon Payment. Unlike PayPal, Amazon Payment doesn’t charge a fee to send money from debit or credit cards. Someone who receives your money either sends back to you through Amazon Payment or withdraws to his or her bank account and then give you back in cash.

Add to your PayPal account

Even if an online merchant declines the card due to being unable to verify a billing name and address, you can pay through PayPal as long as online merchants accepts PayPal payment. Before adding the card to your PayPal account, you should assign Zip code in the website, Otherwise, PayPal rejects the card.

Buy merchant gift cards

Unlike bank GCs, such as Visa, MasterCard, or AmEx GCs, merchant gift cards don’t charge a purchase fee. So, you can use up the card without leaving a small amount.

Tips of buying merchant GCs

Depending on stores, you may get a reward on the purchase of merchant GCs. For example, when you buy a $100 BestBuy GC at Stop & Shop supermarket, you will get a fuel reward, which you can save 10¢/gal. Sometimes, there is a promotion. During this promotion, the fuel reward you earn will be multiplied by 3 to 5.

Maximize Shop Your Way Fuel Reward

Kmart has also a fuel reward program. When you buy a $50 merchant GC, you will get a 30¢-off-per-gallon coupon. You can buy (2) $50 GCs with $100 Target Visa GC, but you should make two separate transactions to receive two coupons. If you buy Sears or Kmart GCs, you can use them at Kmart later. If you use the GCs for something that costs $50 or more, you will get another coupon. So, in the end, you will get four coupons out of (1) $100 Target Visa GC.

I needed to come up with these methods because I have many Target Visa GCs right now. My plan was reloading Serve and Walmart MoneyCard with them, and also getting cash back at stores whenever I got a chance. But that is no longer available. I’m not going to order Target Visa GCs anymore unless ShopDiscover has a promotion, or I get a new credit card with sign-up bonus, etc.

Visa GCs issued by Bancorp Declined by Walmart MoneyCenter Express

On June 29th 2014, I went to Walmart MoneyCenter Express (ATM) to reload Serve with the following four gift cards:

  • (1) $500 Visa GC issued by MetaBank, I bought at a grocery store
  • (2) $200 MasterCard GCs issued by U.S. Bank, I bought at Staples
  • (1) $100 Target Visa GC issued by Bancorp, I bought at

walmart declined target visa gcExcept for a Target Visa GC, the others were successful to reload Serve. I tried twice and also tried to reload another card (Walmart MoneyCard Preferred) with Target Visa GC, but all attempts failed. ATM seemed to recognize the card as a debit card and even prompted me to enter PIN. But, they declined the transaction in the end.

At first, I thought it was a temporary problem. It did happen to me before. A Visa GC had declined one day, but the same GC accepted on the other day. However, after I went home and searched about this on the internet, and I saw the websites here and there. It seems Walmart started being picky on types of debit card for reloading BlueBird/Serve/Walmart MoneyCard.

According to the websites, Vanilla Visa GC and OneVanilla Visa GC are no longer accepted at Walmart ATM. Both GCs are issued by Bankcorp, which also issues Target Visa GCs. Many people experienced the same problem, so probably, these GCs are no longer available for Walmart Swipe Reload.

When I go to Walmart next time, I will give it another try.

Target Visa GC & ShopDiscover w/free shipping on $50+

free s&h on 50+I received an ad from Target. It seems that Target has new shipping policy, “free shipping on all orders of $50+.” I checked if this is eligible on the purchase of gift cards. I added $100 Target Visa Gift Card to a cart and chose credit card for the payment method. I made sure that it was free shipping. (Just a week ago, I did the same thing, and they charged $1.95 for shipping.)

Now that shipping cost is free, there is nothing for me to stop purchasing Target Visa GC. I used “Discover it” card, and most importantly I entered through ShopDiscover. I received thanks-for-your-order email, and there is no cancellation email (please read the posts: Target Visa Gift Card and ShopDiscover 1&2). The next day, I received an email from ShopDiscover. The card arrived a week later.

target visa gc w free s&h

It proved that Target kept cancelling my orders because I used Target GCs as a payment method. I don’t know why they accepted the first order (I used Target GCs for the purchase of Target Visa GC.) Anyway, I won’t do that again. It is not comfortable to receive an email of cancellation right after a check-out.

In this transaction:

  • I paid a purchase fee (-$6.00)
  • I earned 5% cash back from ShopDiscover (+$5.30)
  • I earned 1% cash back from Discover (+$1.06)
  • Total +$0.36 profit

This isn’t a lot, but I always redeem Discover’s reward for 20% discounted gift cards, so $6.36 will be worth $7.95 for me. I get $1.95 profit.

Target accepts Visa, MasterCard, Discover, American Express, and PayPal. You can convert AmEx GCs into $100 Target Visa GCs for 70¢ per card. AmEx GCs have fewer features than Visa GCs. They don’t have PINs so you can’t get cash back at registers. Once you get Visa GCs, you can load BlueBird/Serve at Walmart and get cash back at registers depending on the stores. Visa GCs are easier to be converted into cash than AmEx GCs.

As I mentioned in the earlier posts, it is a great money maker when it is on 4th quarter of Discover’s promotion (rotating category: online shopping). And if ShopDiscover’s seasonal promotions give additional 5% cash back on purchases at, that would be so great. Because cash back from ShopDiscover is unlimited, while cash back from rotating categories are capped at $1500 of purchases. And if this happens in 4th quarter, you will get total 15% cash back!!! However, I’m not sure that the cash back rate of is raised up by 5% in the past. I have never paid attention to it. I will need to keep an eye on the cash back rate of

Please note that it seems that Walmart kiosk no longer accepts Target Visa GCs for reloading BlueBird/Serve, read this post for the details.

Target Visa Gift Card and ShopDiscover 2/2

I have received the second email from ShopDiscover. Now for sure, cash back is available for the purchase of Target Visa GCs. I added one Target Visa GC and tried to check out with Discover it card. Then I knew I was completely unaware of shipping cost. It is eligible of free shipping  when you purchase with REDcard, and when checking out with Target GCs they didn’t charge shipping cost, either. Anyway, they charge $1.95 for shipping, if I buy (1) $100 Target Visa GC with Discover it card:

  • Pay a purchase fee (-$6.00)
  • Pay shipping cost (-$1.95)
  • 5% cash back from ShopDiscover ($5.30 <– $106 x 0.05 not applied for shipping)
  • 1% cash back from Discover ($1.08)
  • Total $1.57 loss

Shipping cost is the same, $1.95 if you order five gift cards. But still, the total of cash back doesn’t cover purchase fee and shipping cost. It is not worth a try. Now my choice is to give up or find a way to buy Target Visa GCs with Target GCs. Why did the first transaction go through? Why did the second and third attempts also go through, but cancel a minute later? The following I can come up with:

  • My account is blocked because of the first purchase made with Target GCs
  • The second purchase is too close from the day of the first one
  • I clicked ShopDiscover’s link

Maybe my account is blocked. I had the same experience on Sears purchases. I ordered and checked out something at They cancelled my orders right after sending thank-you-for-your-order emails. My Sears account was blocked becasue I used SYW Max program, which is free shipping on almost all items for $79 a year, for my eBay business. I dropshipped tons of items to customers on eBay for more than 6 months. Sears detected and blocked my account.

But. what I bought at is only $100 gift card. I don’t think it is a big problem. The first purchase is 2 weeks ago. Again, it is only one $100 gift card I bought. The details on the page of  Target Visa GC says “Limit on number of cards purchased.” It can’t be you can buy only one gift card a month.

The emails telling me that the order was cancelled is exactly one minute after a check-out. It seems to be automated. They don’t want to give cash back on the purchase of gift cards, so maybe they set to cancel the orders checked out through ShopDiscover. This may be the cause of cancellation. To find the answer, I made another attempt. I clicked a link on and checked out (1) $100 Target Visa GC with Target GCs.

It wouldn’t go through. Just like previous two orders, I received a confirmation email and then cancellation email. This time, however, things got worse. The refund are almost instanly come back to my gift cards on previous orders, but it didn’t on this order. What’s more, I couldn’t see the balance of gift cards, either. There was an error message when I tried to check the balance of gift cards.

The next day, it was available to get access to the balance of gift cards and I confirmed money was refunded. The series of incident scares me. I will no longer try to buy Visa GCs with Target GCs. The reason of cancellations hasn’t been clear yet, but I don’t want to risk losing money of Target GCs.

What I got from the experience is ShopDiscover will probably pay out  on the purchase of Target Visa GCs. You can make profit when ShopDiscover has a promotion. During the promotion, some retailers cash back rate are added up by 5%.  I’m not sure if there is a promotion that cash back rate of goes up to 10%. So, I will need to check every time ShopDiscover has a promotion. And using 4th quarter of Discover it card promotion, 5% cash back on all online shopping, will also make profit. (This promotion is limited on the total purchase of $1500, so it is better to use it for somewhere else, though)

Updated in June, 2014, Target introduced new shipping policy. All orders of $50 or more are eligible free shipping. With this new offer, I finally purchased Target Visa Gift Card with a credit card.

Fee or Error? Being Charged $3.95 on Every Walmart Swipe Reload

On June 15th, 2014, I reloaded my Serve with 3 Visa gift cards at Walmart. I have been doing many times, and it seemed there was no problem to complete 3 reloads. The receipts show the exact amount I loaded. At a glance of them, I couldn’t see any problem, but when I logged in Serve account and saw the transaction history, I noticed there was something wrong. The amount of each reload is $3.95 less. I checked the receipts carefully. Although the amount of the debit load is correct, the beginning balance and the ending balance don’t match each other. The beginning balance on all three receipts is somehow $3.95 less.

serve 3.95 glitch

As soon as I got home, I searched on the internet. Instantly, it was a hit. There were many people experiencing the same problem. Something in common was that they happened recently and only to Serve, not BlueBird. In terms of time and place, it probably happened at random.

Someone’s post on flyertalk forum says “It was probably a glitch only affecting on Serve. Wait for the next few days to see if it is just a glitch or a new policy.” I was convinced by this post, and I just waited.

I have been waiting for a few days, but there is no change in my Serve account. I went back to the forum and continued to read pages. On page 5, I found the resolution. I should have read this page on the first day. It had been already resolved 4 days before.

There is a link in the forum and visited blog post. As it says, I called the number on the back of the card and spoke to an account manager. In a few minutes, $3.95 x 3 was credited to my Serve account. It shows up as Good Faith Credit.

serve glitch credited

If you recently reload your Serve at Walmart, you should double check if there is a hidden deduction of $3.95 for each reload.

Target Visa Gift Card and ShopDiscover 1/2

I found that you could buy Target Visa GC with Target GC, but it seems it wouldn’t go through anymore. I succeeded for the first attempt. And 3 weeks later I tried to purchase (4) $100 Target Visa GCs. Checking out was done smoothly, and I received “Thank you for your order” email. However, in just one minute, I was received another email telling me the order was cancelled. The email doesn’t say what exactly the problem. The first thing I came up with is the payment method I took. The description of Target Visa GC at says:

target visa gift card details

I thought using Target GC was the problem, but it might be that I ordered too many cards. So, hours later, I made another order of (1) $100 Target Visa GC. And this time, too. The order was cancelled a minute after I was received thank-you-for-your-order email. I got disappointed. This strategy won’t work, and I should spend all Target GCs (which I bought from gift card exchange sites) for merchandises.

But, the next day, an email I received from ShopDiscover brightens me. Although I clicked through a link at ShopDiscover, I didn’t expect cash back from them. That’s because the first successful order was made through, and I didn’t receive cash back from them. I clicked the link of ShopDiscover just in case.

target visa gift card through shopdiscover

ShopDiscover’s cash back bonus for Target is 5%. For the order of (4) $100 Target Visa GCs, I could have gotten $21.20 as the email says. And if Target accepts credit card for the purchase of Target Visa GCs, you will receive 1% (or more, depending on credit cards) cash back. For example, when I buy (1) $100 Target Visa GC with Discover it (which gives 1% cash back on all your spending):

  • Pay a purchase fee (-$6.00)
  • 5% cash Back from ShopDiscover (+$5.30)
  • 1% cash back from Discover (+$1.06)
  • It is slight, but there is a profit, $0.36!

Visa GCs can be used as a debit card. Depending on stores, you can get cash back at the register. You can load your Bluebird or Serve at Walmart. They are easy to convert into cash. The point is you don’t lose money in this transaction. You can use this strategy as one of your manufactured spending. Compared with buying Visa GCs at Staples, it is a worse deal, but it is always better to have many options for your manufactured spending.

So far, I have received only one email from ShopDiscover. For the second order (1x $100 Visa GC), I haven’t received. It will probably be sent tomorrow. This strategy is mostly relied on Cash Back Bonus from ShopDiscover, so I want to make sure of it. And then, I will make another order with a credit card.

Earn 3X Gas Rewards on GC purchases at Stop and Shop

earn 3x on the purchase of gcs at s&s6/6/2014 thru 6/16/2014, you can earn 3x gas rewards when you purchase any gift card at Stop & Shop. I was lucky enough the store has $20-$500 Visa gift cards. I knew the store had lots of gift cards including Visa, MasterCard, or American Express, but I have never seen $20-$500 gift cards. There is a bunch of them now. It seems the store have just restocked them. Without thinking, I picked up and took it to the cashier. I had it loaded $500, and a fee is just $5.95. That is only 1.19%.

I used American Express Blue Cash Preferred so I will get 6% cash back ($30.36) in addition to 3x gas rewards (1500 pts = $1.50/gal).

I don’t know full potential of Visa GC, but at least I know that you can load American Express Serve at Walmart and withdraw money to your bank account. There is no fee in this process. It is just you need a trip to Walmart, and it takes up to 5 days to withdraw money to your bank account.

visa gift card

On the other day, I tried to get cash back with Visa GC (issued by the same bank, MetaBank) at the register of Target, but it couldn’t succeed. A PIN pad said, “Access denied, contact issuer”. At that time, I used $100 Visa GC (issued by the same bank, MetaBank), and tried to get $40 cash back. What if I choose a smaller amount of cash back? What about other stores. I will have to find out.

Of course, you can use the gift card normally, at grocery stores, gas stations, online purchases, etc. After you add the GC to your PayPal account, you can spend it on eBay purchases, too.

You don’t have to buy Visa gift cards. Any gift cards except Stop & Shop gift cards are eligible for 3x gas rewards. I chose $500 Visa gift card because:

  • A purchase fee is the lowest against a face value of gift card
  • I can use anywhere Visa debit cards are accepted
  • There is a way to turn it into cash
  • It may be possible to get cash back at the register
  • I can buy gift cards at Stop & Shop or elsewhere again

If I buy an amazon gift card with the Visa GC, there is no credit card cash back. However, since there is no purchase fee on amazon gift cards, you can buy $500 amazon gift card with $500 Visa gift card. And I will get another 1500 pts! This is just one example, but starting with $500 Visa GC, you will be able to choose a lot of options and earn a lot of gas rewards as well!