Bet You Didn’t Know: 5x for physical Sears gift cards


By Julian, author of Devil’s Advocate..

If there’s one thing we can count on from Sears nowadays (and there literally might only be one thing we can count on from Sears nowadays), it’s impressive shopping portal bonuses.  Greg has reported on several of these recently and it’s likely we’ll see more in the not too distant future.

However, when you buy a physical Sears gift card online (as opposed to an e-gift card or reloading an existing card), the transaction is fulfilled by K-Mart instead of Sears. Why they do it this way is beyond me. I suppose it’s to give K-Mart some extra revenue, though it occurs to me that the last thing Sears should be doing right now is giving out “extra” revenue.

In any case, this quirk is a problem if you’re looking to stack the portal bonus with either the Chase Freedom or Discover 4th quarter department store bonuses, as neither considers Kmart to be a department store.  The good news is there are two ways to stack these bonuses and still end up with physical Sears gift cards:

1) Get a physical gift card ahead of time without much money on it (e.g., use an old one or buy one in store for $5), then go through the shopping portal to Sears and reload it up to a total of $500.  This transaction shows up as coming from and counts for Freedom’s 5x 4th quarter bonus.

2) If you don’t already have a physical gift card, remember that Discover is not only offering 5% cash back at department stores this quarter, but also 5% for online purchases. So a physical Sears gift card purchase that appears to be coming from Kmart will record as an online transaction for the 5% cash back.

I confirmed this during the recent AAdvantage 8x portal bonus for Sears. Here’s the Discover transaction for a physical Sears gift card bought online. Note the sale is listed as an “online” transaction coming from

Bet you didn't know

Unfortunately Chase and Discover cap their bonuses at $1,500 in spend per quarter, so this deal isn’t infinitely scalable. But maxing out that $1,500 would result in $75 cash back with Discover and/or 7,500 Ultimate Rewards points with Chase, plus additional miles from the shopping portal.  So make sure you register for Chase and Discover’s 4th quarter bonuses and you’ll be ready for the next portal bonus.

Oh, and don’t hold onto those Sears gift cards too long. The way things are going over there, you’ll probably want to get that Kenmore washer/dryer while there’s still a place to buy them. I’d recommend declining the extended service plan though…

So... Did you know how to earn a 5X quarterly bonus in addition to portal rewards when buying Sears gift cards?

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[…] “5x for physical Sears gift cards” (59% of poll respondents learned a new tip) […]

[…] in conjunction with 4th quarter credit card bonuses, you may want to check out my post “Bet You Didn’t Know: 5x for physical Sears gift cards” from last year. Given the current financial situation of Sears Holdings, I suspect […]

[…] in conjunction with 4th quarter credit card bonuses, you may want to check out my post “Bet You Didn’t Know: 5x for physical Sears gift cards” from last year. Given the current financial situation of Sears Holdings, I suspect […]

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[…] 5x for physical Sears gift cards […]


Day 1 – bought $5 physical card at Sears; loaded additional $495 thru discover portal on Bought two $200 visas at sears.

Day 2 – can not reload that same Sears gift card thru discover portal on “Add Value” screen does not allow me to provide new load amount. Logged in with my password.

Day 2 – bought 2nd physical card at Sears for $5. Cannot load it thru discover portal on

Will try this as a guest. Maybe they are tracking usage by loging in?


Never mind Greg. I found the error I was making while ordering the Sears GC reloads. All is working fine.
Thank you.

Devils Advocate

Sorry, but which part of this post is inconsistent with the October 28th QuickDeals post?


Interesting that this is exactly the opposite of what you said in your October 28 post:

1) Go through a portal to buy Sears physical gift cards. You can find the best portal options here.

2) Pay with either a Chase Freedom or Discover It card. Both offer 5X rewards this quarter (4th quarter, 2014) at

3) Then, use the physical gift card in-store to buy other gift cards such as the ones shown above. NOTE: Not all cashiers allow this. And, not all Sears stores carry useful gift cards like these.


Can a Sears GC purchased at Staples use for reload?

Devils Advocate

Hi HC. I haven’t personally tried that, but I don’t see any reason it wouldn’t work. If anyone has a data point on doing that, please feel free to share here.


Can I add money to a Sears $50 GC purchased at staples? Not using the $50 to pay for anything, just to increase it to $400 and change so I can then go buy some VGC at a physical Sears location.

Devils Advocate

It’s YMMV but the electronic Sears registers will accept it if you find a cashier who’s willing to try it. I was able to find such a cashier just last week and had no problems buying both a Visa and a MC GC with a Sears GC. Make sure you hang onto the physical Sears GC even after it’s emptied so you can reload it during the next portal bonus.


Full disclosure: I am behind on this. I’m assuming you can buy Visa GCs w Sears GCs?


I haven’t double dipped yet. Let me make sure I’ve got this clear, at the risk of looking like someone who can’t read what is a very helpful post:

1. Swing by Sears.
2. Buy a $5 Sears gift card with whatever card I like.
3. Go to through UR portal and use my Freedom to reload it up to whatever I think I need. This will get me 5X UR as it will post as a purchase even though it’s a “reload”.
4. Use that physical gift card to purchase from through another portal (checking evrewards) to get an incremental ?x.

Net Result: 5X from UR with Freedom, and ?X from Electronically reloaded Physical card through portal shopping Sears.

I’d just have to choose a portal that doesn’t require me to use their credit card for the 2nd dip to work. Right?

Devils Advocate

That is all correct, my friend. Note that if you wanted to get 10X UR points, you can actually use the same portal twice for the double dip, going through the first time to buy the gift card and the second time to spend the gift card. Personally, if I’m going through the same portal twice, I prefer to do the transactions on separate days if I can, just to make sure one doesn’t get deleted as a duplicate by some overeager human or computer. But if you can’t wait because it’s a one-day portal bonus, you should be fine anyway — other people don’t bother with that precaution and it works perfectly. So go for it!


“That is all correct, my friend. Note that if you wanted to get 10X UR points, you can actually use the same portal twice for the double dip, going through the first time to buy the gift card and the second time to spend the gift card.”

I dont think you can double dip it this way as the second time you go through the portal you use sears gift card not freedom card, so you might not earn portal bonus I think.


Shouldnt we wait till black friday where discover normally bumps the cashback to 10% – 15%?

Devils Advocate

No guarantees it’ll be the same on Black Friday this year, but assuming it is and your goal is cash back instead of miles, that might be an excellent plan!


Purchase Method does not mean what you think it means.

Devils Advocate

When you look at Discover transactions online, it seems pretty clear that “Purchase Method” indicates whether a purchase was made online or the card was physically swiped or manually keyed. Either way, the Discover T&C state that “online shopping is defined as: the purchase of goods at online merchants” so it’d be obvious that “” is an online transaction. But I’m interested in what you think it means.


Purchase Method refers to the card transaction processing method (“online” vs “offline”). It has absolutely nothing to do with Internet shopping (“online shopping”).

Devils Advocate

Sorry, but I’m not sure what distinction you’re making. Yes, “Online” indicates how the transaction was processed, versus “Card Swiped” or “Manually Keyed” (though I don’t think I’ve ever seen it say “Offline” in that field). Not all “online” transactions would be eligible for 5% cash back as it has to be a transaction with an online merchant — for instance, loads to Serve do not qualify. But if it doesn’t say “online” then it’s pretty certain you wouldn’t get the 5% cash back regardless of the merchant. Hence I circled both the “online” purchase method and the “” online merchant in the screenshot.


Look up the meaning of the word “online” in the context of transaction processing. It does not mean “on the web”. Some Internet shopping transactions may not say “online” in the Purchase Method field, a PayPal purchase can say “manually keyed,” even though it obviously isn’t manually keyed and explicitly qualifies for the “online shopping” promotion.