(EXPIRED) Free money: Stacking deals on negative-cost Virtual Visa Gift Cards

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Update 8/23/22: There’s now a third promo code that works to take 5% off virtual Visa gift cards from Giftcards.com – SUMMERVISA.

Update 8/15/22: Reader jeph36 pointed out this morning that the code ENDOFSUMMER now shows up on portals. Unfortunately, the American Airlines shopping portal bonus ended last night. For what it’s worth on future promos, I decided to take my chances last night and place the order through AAdvantage eShopping using code ENDOFSUMMER while the portal promo was still in effect and the order successfully tracked. It’s also worth noting that you can now get 3% or 3x back via Rakuten.
GiftCards.com is offering 5% off on virtual Visa Gift Cards with coupon code EOS5, ENDOFSUMMER or SUMMERVISA. That should stack with a Citi Merchant offer for 1.5% cash back and probably either 6% cash back via the Capital One Shopping app (free for anyone to use) or 3x American Airlines miles and the current AA shopping portal bonus to come out nicely ahead of the game. That said, it may be worth waiting a day or two to make sure that the portals eventually list the coupon codes in order to remove any doubt as to whether the code is eligible for portal rewards.

Update: Several readers in the comments note that the Citi Merchant Offer for 1.5% back did not post for them.

The Deal

  • GiftCards.com is offering 5% off on virtual Visa Gift Cards (up to $75 off) with the following coupon codes:
    • EOS5
    • ENDOFSUMMER
    • SUMMERVISA
  • These deals should stack with 1.5% back via Citi Merchant Offer for those targeted and may also stack with shopping portal rewards.

Key Terms

  • Maximum discount is $75 (max purchase is therefore six $250 cards)
  • Keep in mind that most portals limit you to earning rewards on up to $2K in purchases per month.

Quick Thoughts

GiftCards.com sells virtual Visa Gift Cards in denominations up to $250 for an activation fee of $5.95. The coupon codes are good for up to $75 off. That will bring the total cost for $1500 in Virtual Visa Gift Cards down to $1460.70.

That puts you almost forty bucks ahead of the game before considering any stacking opportunities.

If you have the Citi Merchant offer for 1.5% back, that should be another $21.91 cash back. You should be able to sync that offer up to your Citi card and then click through the Capital One Shopping app and get 6% “cash” back (keep in mind that cash back rewards earned through Capital One Shopping are only redeemable for gift cards) to get $87.64 back in gift cards. If that all stacks, you’re essentially almost $150 ahead before considering whatever rewards you earn with your credit card.

You could alternatively go through American Airlines AAdvantage eShopping for 3 miles per dollar. There is currently (at the time of writing) a portal bonus good for 2,000 bonus miles when you spend $600. That would increase your total mileage payout to more than 6,400 miles. Keep in mind that only the base miles (3x) will count as Loyalty Points for the purposes of earning elite status, not the 2,000 bonus miles.

There are a couple of additional points to consider:

  • Shopping portal terms typically dictate that using a coupon code not found on the portal will invalidate cash back. In the past, when GiftCards.com has run these discount codes, we have seen a code hit the portals a day or two after the sale launches. Sometimes the code is the same and sometimes it is different. I’m not sure whether orders made before the code is added have typically paid out. Personally, despite the great potential deal here, I’ll probably wait a day or two to place an order (which is risking that the deal is dead, so you may prefer to buy now). That said, I heard that ENDOFSUMMER may be the better bet to come out on portals.
  • Capital One Shopping is free and open to anyone (no Capital One credit card is required). However, they only offer 6% back in the app, not on the desktop version of the Capital One Shopping app (the desktop version only offers 3%). If you have a Capital One credit card, you can alternatively log in to your Capital One account and on your card account page, there is a link to shopping offers and I see 6% back at GiftCards.com in that offers section on desktop (though I think you will need to pay with a Capital One card if you go that route). It’s easier to just get the app on your phone and use whatever credit card you want.
  • GiftCards.com typically only pays out portal rewards on up to $2,000 in purchases per month.

Again, I’ll probably wait a day or two to place an order, but I’ll definitely do this deal if the codes show up on portals. In my case, I may do it for American Airlines miles because I’m just short of a useful level of status, but otherwise I’d probably go with Capital One Shopping for 6% back.

H/T: Miles to Memories

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iahphx

The AA shopping portal is showing 3x this week for giftcards.com, so if you can figure out a way to spend these virtual Visas, this is an excellent deal to earn AA elite status. In addition to working towards status, I’m using a 2% credit card, getting a little better than 2% rebate from Giftcards.com, and earning 3 AA miles per dollar. I’d value this at about an 8% rebate — and that’s with valuing the AA status at zero! I have some property taxes due, and my municipality allows me to pay with debit cards online with no fee. This is making these payments less painful! $2K monthly cap. Hopefully, there will also be 3x on the portal in September.

JN2

So, can each code be used only once, or can the same discount code be used again up to the maximum amount of $1500 in Virtual Visa GCs?

Situation: I already bought $1000 in GCs using one code, so if I want to buy an additional $500 of GCs, should I use a different code or doesn’t it matter? Similarly, can I use one of the other discount codes to purchase another $1K GCs?

Thanks for any feedback!

iahphx

I made multiple purchases up to $2k using the same code.

Hombre

So I am going to purchase today $2K worth of cards (I had already gotten the AA bonus so not a big deal). I am going to order 2K on ONE transaction using the AAdvantage portal PLUS the Citi 1.5% back. I had to call Citi and ensure that the 1.5% was applied to card as the merchent offer on web site was not sticking. JUST CONFIRMING if others have done above and have see the 5% back + the 1.5% AND the AA miles/loyality points track (would not post quickly for this $$ figure). 5,843 AA miles/loyality points in total..

Lukas

Citi 1.5% back will not work, trust me, I’ve tried 3 times.

Dima

AA portal says ‘Orders over $2,000.00 max per month per customer are not eligible.‘ Is this a calendar month limit, or is it calculated on rolling basis? Would it apply across all portals, or say once I spend $2k via AA portal I can keep buying via United portal and still get the cashback?

Bob

Citi Merchant offer NEVER tracks.

Tim in OKC

I’m curious how everyone uses these virtual cards. I have tried to use them on several sites shopping and they get rejected for some reason. I was told they don’t accept prepaid cards. Is there an easy way to liquidate these or turn them into gift cards I can use on merchants websites without hassle?

iahphx

Always a problem. I’ve had success using them to pay utility and insurance bills online, and now I’m using them to pay local property taxes. It’s definitely a YMMV situation, though. In general, I hate this virtual gift card product, but it is a lucrative way to earn AA status if you can figure out a way to get rid of the cards with your regular spending..

Jeff

Has anyone done this promo thru AA Shopping and had the miles actually post yet. Mine tracked but nothing has posted

Dima

Same. Showing under recent store visits for ~10 days.

Jeff

I am at 8 days and 9 days (2 orders) both showing tracked in store visits but nothing posted yet

Corey Newport

Same here…used EOS5 code.

Steve

My experience with AAshopping is that some merchants will post to the portal within 12-24 hours (Dell, for example) while others can go three months or more. GC.com can usually be 3 weeks *if* it tracked the purchase properly and longer if it didn’t track the purchase (and in the latter case, you have to send an inquiry to them on day 16 following the purchase).

Jeff

I’m at day 15 and it still shows tracked but no points posted looks like I’ll have to submit a request

Jon

2 slightly devious questions:

1) Any tips on getting my credit card company to refuse the transaction? In the spring I tried with one card (can’t remember which), and my order was cancelled. I tried another card and it worked fine. But both orders tracked and the miles were never clawed back for the first one. Even if they were, I’m fairly certain the loyalty points would not be.

2) Has anyone tried using the Visa gift cards that they just bought from giftcards.com to buy another Visa gift card? i.e. get $2000 worth of orders and miles with only a $250 (or less) outlay?

Nick

I’ve tried #2 and it didn’t work, there was a message basically saying I couldn’t purchase the gift card with the type of card I was using. What I have been trying to figure out is would it be possible to buy the virtual Visa GC with physical gift cards or would the same kind of error/message come up on checkout.

slaven

already tried to buy these using VGC/MCGC and it not works.

Nick

Do you remember what the error message was by any chance?

Stevenson

A

Last edited 1 month ago by Stevenson
slaven

no, sorry

IBH

I did this, for the first time, thru the Capital One offers (not the capital one shopping portal) to hopefully get the 6% cashback/statement credit.
The capital one shopping portal desktop/app showed me only 2%.

Does anyone know how long it takes Capital One to post the statement credit? I used my Capital One Venture X Visa.

Chris from GoBucketYourself

I’m interested in this as well. It was the approach I was going to take.

James

I did this through Rakuten (3 Amex pts/$) and used my BBP (2 Amex pts/$)…not a bad deal. I was surprised that I got the full Rakuten credit on the amount prior to taking off the 5% by using the ENDOFSUMMER code…not complaining.
I like to use these GC’s for paying our electric bill since that gets no spend bonus.

Last edited 1 month ago by James
Brian

I did the ENDOFSUMMER code with AA but it didn’t track. I also had issues getting a Sunbasket order to track with Mypoints, so maybe it’s an issue with my Chrome? I guess I’d better try a different browser next time.

Jeff

Rakuten is now showing Endofsummer code.

jeph36

FYI, the AA portal is now showing ENDOFSUMMER (although the 2000 mile bonus ended yesterday). Also note that Rakuten is now offering 3%/3MR which for some may be preferable to AA, but Rakuten does not yet show the ENDOFSUMMER promo code.

Sebastian

purposely doing this.. so we can’t stack with the 2k bonus 🙁

Brian

Hey Nick, any update on promo codes being able to be used for portals? I’ve never done one of these and am not sure of the process.

Also is it possible to split between AA and Capital One? It looked like AA 2,000 mile bonus might have been for the back to school shopping which maxes out at $600?

fred falke

I only see 2% on giftcards.com in the capital one shopping app. Am I missing something?

Lukas

Citi merchant offer never posts for me (tried three times).

Mike Chicago

The Citi merchant offer credit will not post. Reps are clueless. But they will probably offer 1,000 TYPs as goodwill if you call, so it works out for 1.5% (or better) in points as long as your order is about $750 or less and you are willing to lose 20-30 minutes on the call.

Last edited 1 month ago by Mike Chicago
A B

Does the $2000 GCC monthly limit apply for each user overall, or for each user per shopping portal?

Justmeha

The former

jeph36

Even though I have not had the Citi offer track the two times I have tried it, I still wonder if I should try again with my Double Cash to earn 2x TYP instead of earning 2.625% on BofA Premium Rewards. I am going to slow play it like Nick said to be a little more sure that the AA portal will track, even though I have had it work before without the code showing on the AA portal.

Also, others have said the discount can be applied to a full $2K/$100 discount instead of the stated cap at $1.5K/$75 discount.

fatty380

Can I use 6 x $250 virtual VGC to purchase Amazon gift cards?

Cody

I have many times successfully. But I have the 5% prime card so that is usually the better deal

Sam

Last time Citi gave then clawed back the 1.5% or whatever it was then. Stacked with AA FWIW.

Henry

Is there limit I can buy from giftcard.com? Can I buy in multiple transaction of $1500 each?

Andrew

No. There is a $2000 monthly limit per account. Orders over this amount typically will be canceled.

M Khan

Orders will flat out get cancelled over $2k? I had thought just the points won’t get awarded..

RD DD

Are you sure about the Citi Merchant offer? Every single DP I have read says that it doesn’t track because the terms say that gift cards are not eligible for cash back

NK3

Yeah I am pretty sure it won’t stack with the Citi Merchant offer. I have tried multiple times before. I think the Citi offer does work on other (non Visa) gift cards, from data points I have seen.