Meeting A Spend Threshold In One Night.

Update #2, 01/17: Reports from commenters today are that the $100 transactions are now ringing up at $99.90 instead of $89.90.
It’s still a great deal though with an Ink card, even if not trying to hit a spend threshold. You get gift cards that can be used anywhere with no fees and you earn 5 points per dollar on all the spending!

————————————————–

Update, 01/15: Picked up a couple dozen more cards from another Office Max tonight :D
Earning a whopping 5 points per dollar spent on top of a $10.10 profit per transaction? Priceless!

————————————————–
Related posts:
-Want To Boost Your Credit Score? Spend On Business Cards Instead Of Consumer Cards.
-A Rundown Of The Chase Ultimate Rewards Program And Ultimate Rewards Cards
-Updated Chase Ink Offers

-Is Bluebird The Next Dollar Coin Churn?
-Another Flavor Of Vanilla: My Vanilla Debit Card
-Need To Meet A Spending Threshold Deadline? Send And Receive $1,000/Month With No Fees Using Amazon Payments!
-My Current Credit Card Lineup
-Today’s Escapades
-Top Credit Card Offers

———————————————————————————-
The goal: Meet a $5,000 spend threshold on a Chase Ink Plus card in 1 night. Because 3 months is for sissies who don’t know how to churn and move onto the next card ;)
Total spend in 25 minutes of “work”: $5,020.50
Total amount that will be liquidated: $5,100
Total points and cash earned: 58,977 points (worth at least $1,120 at my personal “value” of at least 1.9 cents each) and a $79.50 cash profit.
The points are transferable and are roughly enough for:
-13 one-way short haul flights on American via BA or a round-trip flight to Israel on Air Berlin via BA,
-3 round trip coach flights to Alaska, or 2 round-trip coach flights to Hawaii, or 1 first class flight to Hawaii on Alaska Airlines or Hawaiian Airlines booked via Korean
-4 nights at the fantastic Park Hyatt Melbourne, Andaz West Hollywood, Park Hyatt Aviara (CA), or Park Hyatt Toronto
-A one-way business class ticket to Israel or a round-trip coach ticket to Europe (with up to 12 stopovers and connections if you’re crazy enough) on any Star Alliance carrier via United.

Stop 1: Office Max.
What I bought: 22 prepaid Mastercards of $50 each in 11 transactions.
Why: This week only you can save $10 off each card instantly, up to 2 cards per transaction. Earn miles while turning a profit!
Total cost per transaction: 2 x $50 prepaid Mastercards = $100 – $20 instant rebate + $9.90 in prepaid debit card fees=$89.90
Total cost of all transactions: $988.90
Total points earned from spending: 4,945, due to 5 points per dollar earned on Ink cards at office supply stores.
Actual value of the prepaid cards: $1,100
How I’ll liquidate them: Amazon payments. When adding prepaid debit cards to Amazon Payments just put an incorrect expiration date so that they don’t put a hold on your funds. Then when you send money to a friend fix the expiration date.
Liquidation fees: None.

Stop 2: Walgreens
What I tried buying: 1 Vanilla Reload card of $500
Total cost: $0. Walgreens has gotten smart and now when you swipe your card it only lets you pay the $3.95 fee with your credit card. You may be able to get a manager to override that, but in a city with dozens of VR stocked CVS stores I didn’t bother.
The upshot: Nothing works forever. Churners used to have dollar coins, money orders, and travelers checks. Now we have Amazon Payments, Vanilla Reloads, Vanilla Debit cards, and Bluebird. Those won’t last forever but I’ll use them while I can and find something else once they’re gone.

Stop 3: CVS
What I bought: 8 Vanilla Reload card of $500 each in 4 transactions.
Why: Earn points on the cheap, even if you’re not gunning for signup bonuses. Limit of $1,000 of prepaid cards per transaction.
Total cost per transaction: 2 x $500 Vanilla Reloads = $1,000 + $7.90 in prepaid card fees=$1,007.90
Total cost of all transactions: $4,031.60
Total points earned from spending: 4,032
Actual value of the prepaid cards: $4,000
How I’ll liquidate them: Transfer to my Bluebird card and then write a check from there to pay any bill to any company or friend or just pay off the card directly from there.
Liquidation fees: None

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Good ole’ Office Max Store #1.  Ctown copycats…you may want to avoid Store #1 :D

 


The bounty.

HT: Stu M.

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189 Responses to “Meeting A Spend Threshold In One Night.”

  1. hunch Says:
    1

    “HT: Stu” ???

    ReplyReply
  2. Joeyjava Says:
    2

    Ur the king Dan!!

    ReplyReply
  3. Scojax Says:
    3

    Can you buy the MC cards on OfficeMax.com?

    ReplyReply
  4. Reader Says:
    4

    Careful Dan. Amex put me under finacial review for buying gidt cards a CVS. This caused closing of several cards and the warning that if I bought one more “cash advance” I would ble closed for good. Thousands of dollars in a drug store riases a big red flag!

    ReplyReply
  5. chase cards Says:
    5

    Dan I applied on last day of Decemebr for 2 more business cards 2bm I called to see whats the process so they asked me questions and she came back saying that I was only approoved for 1 card the plus but not for the Cash card since I got too many cards in the last few months, I tried asking if I can shift credit around to get approoved she said no, should I let it go or call reconsideration dept? I have good credit with chase

    ReplyReply
  6. mordy Says:
    6

    Did they give you any issue at office max with the 11 transactions? did you have to go around and wait in line again type of thing?

    ReplyReply
  7. bb Says:
    7

    Why didn’t you just get 100 cards @ OfficeMax? is there a limit of 22?!!

    ReplyReply
  8. njmacman Says:
    8

    Did VR tonight. Tried on my new Amex and it didn’t go through. Bought 5 cards with $500 each using 2 different Chase cards (Freedom for $1500 at a drugstore to maximize the 5x rewards) and it went through. When I got home, Amex called to confirm and apologized for blocking the purchase, Chase called to confirm the purchases that went through. Back to CVS tomorrow with the now approved Amex!

    ReplyReply
  9. Ddawg Says:
    9

    How do you get the ten dollar discount off prepaid mastercards?

    ReplyReply
  10. LB Says:
    10

    @ Reader, how much did you put on your amex and did it come close to your credit limit?

    ReplyReply
  11. anynm Says:
    11

    Greetings,

    So sorry but I am new at this and trying to figure out what this is all about, Why are you purchasing Gift Cards? Whats the point of it? Just to earn points? but isnt it costing you lots of money?

    Thanks

    ReplyReply
  12. Yaks Says:
    12

    I don’t get it if u get 10 off 50 @ office max why not spend $5000 there? You will end up paying about 4850 for $5000 plus u get 25k points?!

    ReplyReply
  13. Yehuda Says:
    13

    Yeah why not spend all on the visas it’s free money

    ReplyReply
  14. Dan Says:
    14

    @hunch:
    That’s who shared the deal with me.

    @Scojax:
    No.

    @Reader:
    I didn’t use an AMEX.

    @chase cards:
    Call back and try again. And again.
    Be willing to shift credit lines or close older cards and move over those lines.

    @mordy:
    No, the agent was awesome.
    He even memorized my maxperks phone number (will I earn anything from that as well?) and I joked that he had better not prank call me at 3am :D

    @bb:
    That’s all there was on the shelf ;)

    @Ddawg:
    They’re on sale.

    @anynm:
    Read the post again.

    ReplyReply
  15. hunch Says:
    15

    @LB
    In the post Dan wrote that he used his chase card.

    @anynm
    Read the post!!

    Dan, any deals on reading glasses?!

    ReplyReply
  16. Dan Says:
    16

    @hunch:
    Lol…

    ReplyReply
  17. chani Says:
    17

    i was just in an office max today and dont recall seeing prepaid mastercards. also i didnt see anything about ten dollars off. how do we know if they have it

    ReplyReply
  18. Dan Says:
    18

    @chani:
    It’s a nationwide sale in this week’s flyer.
    Did you expect a billboard for it?

    ReplyReply
  19. No Do Says:
    19

    I don’t understand why we don’t just buy $1500 shoes or luggage from Zappos and return 6 weeks later after point applied and moved?? What can be the downside if not doing it too aften

    ReplyReply
  20. chase cards Says:
    20

    Dan can’t really close other cards just got some two months ago, is it bad if they don’t approove one card will it show on credit report? both are business cards.

    ReplyReply
  21. points Says:
    21

    When you say: worth at least $1,120 at my personal “value” of at least 1.9 cents each it is not real cash value you cannot get that amount in cash only miles to fly or hotels etc right?

    ReplyReply
  22. Reader Says:
    22

    @Dan: so you think chase is more laid back about it than Amex?

    ReplyReply
  23. mw Says:
    23

    Dan -
    did you call Chase beforehand to notify them of the forthcoming unusual purchase activity? I always get a fraud freeze when I do something like this with a new card.

    ReplyReply
  24. marketeeer/sissy Says:
    24

    I hope you don’t rock the chase boat, 5k in one night is asking for trouble.

    ReplyReply
  25. Rose Says:
    25

    Can I use Citi credit cards to buy those prepaid mastercards at Office Max? Would they be counted as cash advance? Would the purchase trigger Citi’s fraud dept?

    ReplyReply
  26. Rachel Says:
    26

    how do you transfer money from Vanilla Reloads to Blue Bird?

    ReplyReply
  27. nat Says:
    27

    just go into a office max a buy a mastercard gift card and it will ring up $10 off ? or do i need a coupon ?

    ReplyReply
  28. mo Says:
    28

    these day there making u use cash,in alot of cvses and walgreens they caught up to this hanky panky!

    ReplyReply
  29. abc Says:
    29

    Dan. Your so cooool!!!! I wish I can marry you. ..

    ReplyReply
  30. ab Says:
    30

    amazon payments is the best simplest way!

    ReplyReply
  31. greg z Says:
    31

    Has anyone with more than one Amazon account in their name given them the same SS# yet? I have a er… few accounts and have only been using one that has my SS#. Don’t want to get shut down.

    ReplyReply
  32. Randall Says:
    32

    I don’t get it…in the ad it says save $10 when you purchase 2 $50 cards; limit 1 rebate per household.

    ReplyReply
  33. Abe Says:
    33

    Dan, VR wont work with AMEX? Got to dump $5k SPG..

    ReplyReply
  34. Abe Says:
    34

    @Abe: Also why only 1 VR @ wallgreens, specific reason?

    ReplyReply
  35. Why ok? Says:
    35

    I’m not sure why this is not considered something the companies wouldn’t be ok with. It just does not seem “yashar” to me.

    ReplyReply
  36. Dan Says:
    36

    @No Do:
    Seems more unethical to me.
    And the points for the actual purchase will be taken away.
    Stores also ban serial returners.

    @chase cards:
    Why can’t you close cards from 2 months ago?

    @points:
    Unless you find a good broker and someone needing to travel.

    @Reader:
    Yes.

    @mw:
    Nope.

    @greg z:
    Yes.

    @Randall:
    I just tell it like it is.

    @Abe:
    It will, though they may ask you to knock it off or to prove that you’re employed.

    @Abe:
    Just wanted to confirm the rumors.

    @Why ok?:
    Which part?

    ReplyReply
  37. Big boy Says:
    37

    Hey Dan,
    I think I pushed my luck,I just got hit with a FR the infamous two letter word from amex.There is no chance that I will pass so I was wondering if I have to cancel all my cards from amex or I can just cancel the one that created the problem?
    Thank you
    P.S.I guess I will just have to start doing more businesses with chase I’m sure you get my drift.

    ReplyReply
  38. Dan Says:
    38

    @Big boy:
    You make no income on the books at all?

    ReplyReply
  39. Jonathan H Says:
    39

    @Randall Yes, I was confused by this too as at my Office Max it said the same thing. So the wording makes it sound like you only save $10 when you buy 2x$50 GC. However, I went to my Office Max in Orange County, CA and asked the cashier to just scan it in and it automatically deducted $10 from EACH gift card, no coupon required. Even the cashier and manager were a bit perplexed but “hey, if it rings up like that I guess it is that…”

    ReplyReply
  40. Jonathan H Says:
    40

    @Dan Do you need to register the GC before using Amazon Payments?

    ReplyReply
  41. abe Says:
    41

    how do you transfer money from Vanilla to blue bird?

    ReplyReply
  42. chase cards Says:
    42

    cuz one is a united which I have on it lots of miles and wanna travel soon other one is freedom which I got in nick of time for the 10 10 with exclusives, is the cash such a good card it only has 200 cash back or 20,000 points signup or is it momre being denied which I should avoid? Thanks

    ReplyReply
  43. officemax Says:
    43

    Looked through the weekly ad on officemax.com for my location and even changed the location to the store shown in your receipt but don’t see the $10 off Mastercard deal. Any advice?

    ReplyReply
  44. points Says:
    44

    Good broker umm I keep hearing that they crack down on UR transferred to other accounts other then a spouse so not a good idea

    ReplyReply
  45. Dan Says:
    45

    @Jonathan H:
    No.

    @abe:
    Read the related posts.

    @chase cards:
    Offer to cancel the United and churn it with a new mileage number to earn another 55K miles+$50 after secure message.

    It won’t hurt you, but why throw away 20K points when you already took the pull without trying?

    @officemax:
    I didn’t see it online either, but saw it in the in-store ad.

    @points:
    Don’t transfer UR-UR, transfer directly to a mileage program.

    ReplyReply
  46. Big boy Says:
    46

    CORRECT!!

    ReplyReply
  47. Dan Says:
    47

    @Big boy:
    If you make nothing at all on the books you can still try to get them to count your parents if they pay your bills.
    Sometimes people have luck getting them to take bank statements, see DDF: http://forums.dansdeals.com/index.php?topic=8

    Otherwise, shut them all down yourself, every last one of them, before AMEX shuts them down.

    ReplyReply
  48. BaltMan Says:
    48

    @Dan

    Why would Amazon Payment put a hold on your funds for entering the correct expiration date when transferring funds from prepaid debit card? Please explain what you did in English.

    ReplyReply
  49. Abe Says:
    49

    Dan, why buy the vanilla visa at cvs when you can buy it at office depot for 5 X points?

    ReplyReply
  50. Chana Says:
    50

    @Rachel: http://www.dansdeals.com/archives/24892
    and other blog entries. put in vanilla card or bluebird

    ReplyReply
  51. mitch Says:
    51

    So are you saying to use caution when using amex to purchase vr cards? How much do you think you can buy and still be safe?

    ReplyReply
  52. Dan Says:
    52

    @BaltMan:
    I explained exactly what to do in the post.

    @Abe:
    OD doesn’t sell Vanilla Reloads anymore.
    While they do sell Vanilla gift cards, those have to be cashed out via Amazon or used on everyday purchases.
    Vanilla Reloads can be cashed out via Bluebird.

    Don’t forget to earn 5x at CVS with Freedom though!

    @mitch:
    It’s all based on your spend patterns.
    If you make income on the books you’ll pass the F/R and perhaps get a warning. If you don’t make anything on the books then don’t use your AMEX for anything that can trigger an F/R.
    http://forums.dansdeals.com/index.php?topic=8

    ReplyReply
  53. chase cards Says:
    53

    So ur saying give up united now for the cash card ? Then in a while get a new united with new mileage number? If I do this I still can use the miles I have now even if account gets closed? Thanks

    ReplyReply
  54. Dan Says:
    54

    @chase cards:
    Your United miles are not affected by closing the credit card.
    You can also merge the account later on.

    Some more info:
    http://www.dansdeals.com/archives/26128

    ReplyReply
  55. Abe Says:
    55

    Dan, well you can certainly buy the amex prepaid and then turn that into a permanent prepaid and take $400 via atm for free each month, and I believe you can have three such cards per ss. Of course you can get cards for wife, plus, plus…. from chase as extra card holders.

    ReplyReply
  56. points Says:
    56

    So UR to a friends mileage account is ok ?

    ReplyReply
  57. Dan Says:
    57

    @Abe:
    True, true.
    No OD in CLE though so enjoy :D

    @points:
    So far there have not been any reported issues.
    YMMV!

    ReplyReply
  58. Abe Says:
    58

    can i buy VR online?

    ReplyReply
  59. Dan Says:
    59

    @Abe:
    No.

    ReplyReply
  60. chase cards Says:
    60

    Btw where does the 50 dollar credit come from on united card? rep had no idea what I was talking about.

    ReplyReply
  61. Abe Says:
    61

    Any other ideas? i have just a walgreens near me

    ReplyReply
  62. Dan Says:
    62

    @chase cards:
    Just ask in the SM to be matched to the offer your colleague got, 55K miles plus $50 statement credit.

    @Abe:
    Check the retailers listed on vanillareload.com

    ReplyReply
  63. asking Says:
    63

    whats the best card to open at first

    ReplyReply
  64. mike Says:
    64

    will amazon payments trigger a f/r sometimes if ya is it still worth it

    ReplyReply
  65. Yaks Says:
    65

    So I’m assuming that the united match is still alive and kicking anybody tried it recently?

    ReplyReply
  66. realistic Says:
    66

    So, how’d you get cvs to sell you $4000 in vr’s in one shot ? your exceeding their limit by $3000?! Unless you know the manager personally….

    ReplyReply
  67. Moshe Says:
    67

    @abe

    Walgreens sells Vanilla Reload cards

    ReplyReply
  68. Bob Says:
    68

    do you need a maxperks membership to get the promotion?

    ReplyReply
  69. bob Says:
    69

    Dan you could but amex gift cards with no fee’s ( promo phonegift2) and you could make the 3 month trial for next day shipping and you will meat your spending with no cost to you.

    ReplyReply
  70. das Says:
    70

    Dan, are you able to buy the gift cards online? I live in Baltimore – we don’t have any Officemax stores :(

    ReplyReply
  71. Noturbizniss Says:
    71

    Went to office Max across from Barclay center and they said only two cards per person work for discount code but when they scanned the cards they automatically scanned at 40 each plus 4.95 fees. Will go back at lunch and see how many i can it buy

    ReplyReply
  72. THEsocalledfan Says:
    72

    Dan,

    Can you unload those Mastercard gift cards on Serve like you can visa gift card mall ones? That would be much easier than AP.

    ReplyReply
  73. THEsocalledfan Says:
    73

    Just to clarify, the visa gift cards count as debit cards on Serve…..

    ReplyReply
  74. Abe Says:
    74

    Someone tells he trash’s -as Dan calls it..- his spending by overpaying his bill.
    Lets say his electric bill is $98 he makes a paymant of $998 and after reciving points he calls in that he -by mistake..- overpaid $900 so they credit him

    ReplyReply
  75. AZ Says:
    75

    Dan, My wife has 2 inks in her name … you think Office max will let me buy them with her CC, I never got a card with my name on it :(

    ReplyReply
  76. yitz Says:
    76

    Its nice to live in Cleveland

    ReplyReply
  77. jesse Says:
    77

    As an existing chase customer, who wants to do a 2bm for chase bold/ink business cards. when i am signing up do i sign up as the existing customer or as a brand new customer?

    ReplyReply
  78. Abe Says:
    78

    @Moshe: But Dan says they don’t let you swipe your card for it you need to pay cash
    Btw Dan do you if its thier official policy or just that branch?

    ReplyReply
  79. BK Says:
    79

    Could you use buy 2 prepaid cards using a credit card, and then use those 2 prepaid cards to keep buying additional pairs?

    ReplyReply
  80. ace Says:
    80

    Dan you are by far the best points blogger in the universe. Thank you for all your hard work.

    ReplyReply
  81. Abe Says:
    81

    @BK: What’s the point? if not to swipe your card?

    ReplyReply
  82. Steveo (one word) Says:
    82

    @DAN HOLY SHNITZEL! You’re amazing. God Bless.

    ReplyReply
  83. Tim T Says:
    83

    Is $700 cash for 40,000 sapphire preferred points a good deal ?

    ReplyReply
  84. Tim T Says:
    84

    Also, is it safe to sell points to these places that advertise to pay cash ? Are chase & Amex ok with that ?

    ReplyReply
  85. Jack L Says:
    85

    @Abe,
    I paid $975 for my Internet bill online instead of $97.50. I must have fat fingered it. ;)

    This was with a card giving 5X UR points. It took a month and many calls to get refunded the excess, and they did it by putting the refund back on the card. :(

    So the success of this method will vary depending on the procedures of the company you use.

    ReplyReply
  86. Abe Says:
    86

    @Jack L: Works the best if u get like millage which straight into youe travel account so they’ll never notic the refund

    ReplyReply
  87. Abe Says:
    87

    @Dan: Dan Can you pls explain post 55?

    ReplyReply
  88. Al Says:
    88

    @Dan,

    Which credit card did you use at CVS to buy the 8 Vanilla Reloads?

    How does AmEx know what you’re buying at CVS or is it the amount that triggers suspicion? If you pay off the AmEx charge immediately, will that avoid a FR from AmEx?

    ReplyReply
  89. Al Says:
    89

    @Dan,

    Sorry, I didn’t see that you used a Chase card.

    Wouldn’t I be better off buying the prepaid MasterCards for $500 each and then use them to buy VRs at CVS?

    ReplyReply
  90. YYK Says:
    90

    @Jonathan H:

    If it rings up $10 off for each card then I wonder if Dan could have just purchased all 22 cards in one transaction and get the $220 off, instead of having to do 11 transactions. If so, Dan could have met his threshold in 5 minutes instead of 25 minutes!!! lol

    Does anyone know if this will work?

    ReplyReply
  91. Davidd Says:
    91

    Dan why is the myVanilla card the only one you mention for cash advance. What about Greendot and netspend and literally tens of others (Amex etcc)prepaid cards cant you do a cash advance on those also???

    ReplyReply
  92. Dan Says:
    92

    @asking:
    Best is relative to your needs.
    But Sapphire, Freedom, and Starwood are excellent.

    @mike:
    For some yes, for other no.
    If you make $0 on the books play it safe. Otherwise have fun.

    @realistic:
    4 transactions. Salesperson couldn’t care less.

    @Bob:
    No.

    @bob:
    But then I wouldn’t earn 5 points per dollar.

    @:
    das
    :
    No.

    @Noturbizniss:
    Enjoy :D

    @THEsocalledfan
    I don’t see why not

    @Abe:
    Works only occasionally. Usually goes back to credit card.

    @AZ:
    YMMV but I wasn’t ID’d.

    @yitz:
    http://forums.dansdeals.com/index.php?topic=21675

    @jesse:
    I always do the new customer.

    @Abe:
    Appears to be the new chainwide policy.

    @BK:
    Yes, but it’s far more valuable to use Ink as that earns 5 points per dollar. And then you wouldn’t be meeting your spend threshold!

    @ace:
    @Steveo (one word):
    :)

    @Tim T:
    Not terrible I guess.

    @Tim T:
    Chase UR-UR transfers can be risky. Transfer direct to a mileage account.

    @Abe:
    https://www.onevanilla.com/onevanilla/upgrade.html

    @Al:
    Read the post.
    YMMV.

    @Al:
    OM doesn’t sell $500 prepaid cards.

    @YYK:
    Receipt clearly says limit 2.
    If someone wants though to try let us know.

    @Davidd:
    The other ones tend to ban you for doing that. And sometimes even tie up your funds for extended periods of time.
    No such reports with Vanilla.

    ReplyReply
  93. danman Says:
    93

    i love the dan effect seeing lots of ppl running around to get some 50 mc :)

    ReplyReply
  94. abe Says:
    94

    they said when i called that its only $10 of every $100 not 20 & limit one per household. did anybody have success doing 5k ?

    ReplyReply
  95. Dan Says:
    95

    @abe:
    Rule #1: Never call.

    ReplyReply
  96. Bob Says:
    96

    I bought 20 earlier today. Got a missed call from chase fraud on my phone with no message (I google’d the #). I logged into my account and it didnt say anything about being frozen. Should I call chase back or just let it go?

    ReplyReply
  97. jesse Says:
    97

    In the business card app, does it matter that my “business” makes little or no money? Does that only go to the amount of credit they will extend?

    ReplyReply
  98. danman Says:
    98

    is there anyway to send all the 50 dollar in one amazon payment or do you have to do several payments of 50?

    ReplyReply
  99. Master Says:
    99

    Dan, I wanted to get you feeling on the matter. I have multiple chase credit cards, churning quite well… Do you think its a wise idea to bank with chase if you have so many credit cards? The pros, I have a lot of money in savings so it puts at abetter position if they ever find my churning behaviour risky. The cons, if for whatever reason I decided that I’m not paying my credit cards, they have access to my cash. What are your thoughts?

    ReplyReply
  100. Dan Says:
    100

    @Bob:
    I’d call ‘em.

    @jesse:
    For a sole-proprietorship your business income goes directly to your personal income. But if you report that the business makes nothing you won’t get approved.

    @danman:
    Several.

    @Master:
    I wouldn’t worry about that at all. They’re highly regulated, they’re not just going to help themselves to your cash :D

    ReplyReply
  101. YYK Says:
    101

    @abe:

    Abe, I really hope you didn’t just ruin it for everyone who were about to get the cards. Why don’t you just call corporate and tell them straight out that they’re making a mistake?!

    ReplyReply
  102. abe Says:
    102

    whats the link to cash out the $200 airline credit on my platinum i would like to close it
    p.s. what dose chruning mean

    ReplyReply
  103. eli Says:
    103

    is there any gc that earn 5x that i can buy online ?

    ReplyReply
  104. JS Says:
    104

    Walgreens in Manhattan had them today, but would only let you buy them with cash.

    ReplyReply
  105. Larry Says:
    105

    Called nearest OM (110 miles RT) to be sure they had product on the MC. Said limit is two cards per ‘customer’. Is that correct or is it two per transaction or is that subject to the interpretation of the store associates or manager? How to be sure before traveling all that way?

    ReplyReply
  106. Dan Says:
    106

    @abe:
    http://forums.dansdeals.com/index.php?topic=3802

    Login to read the wiki.

    @eli:
    No.

    @Larry:
    110 miles, are you crazy?
    YMMV on if they’ll limit you.

    ReplyReply
  107. Tim T Says:
    107

    Where do you get $813 for 40,000 sapphire preferred points ?

    ReplyReply
  108. Bob Says:
    108

    lol on 110 miles. FYI i called chase and it was for another of my many cards, they didnt flag me for the om charges at all.

    ReplyReply
  109. YYK Says:
    109

    @Dan:

    Dan, even though I personally would not travel more than 10 miles for this, I can definitely see someone traveling 110 miles for it. It’s essentially 10% free cash plus all the miles you earn. So if he wants to purchase $5,000 worth he will have over $500 in free extra cash plus tons of miles. He just needs to make sure they wont limit him to buying 2 cards… :-)

    ReplyReply
  110. YYK Says:
    110

    He also needs to make sure they have enough cards to make it worth his trip…

    ReplyReply
  111. Anonymous Says:
    111

    @YYK: cards have $6 fee each. so, its only $8 in free cash per $100 after you cash them out.

    ReplyReply
  112. sara Says:
    112

    Has anyone tried paying tuition with Bluebird?

    ReplyReply
  113. Bob Says:
    113

    @sara:

    I paid a bunch on my student tuition with all these gift cards today (they accept credit card payments on tuition, not fed loans). And yes I do use bluebird for student loans.

    ReplyReply
  114. DovtheBear Says:
    114

    Dan,
    Im not yet 18 (almost), but would like to get ahead of the game. Any suggestions? Under 18 card etc. BTW what does “churning” mean in this context?

    ReplyReply
  115. Yosef Says:
    115

    -13 one-way short haul flights on American via BA or a round-trip flight to Israel on Air Berlin via BA,i

    I AM NEW AT THIS.
    HOW DO I BOOK THE TRIP TO ISRAEL? call BA or AirBerlin?

    ReplyReply
  116. Dan Says:
    116

    @Anonymous:
    Incorrect.

    @DovtheBear:
    Read the Wiki here (DDF login required) and browse through the linked articles:
    http://forums.dansdeals.com/index.php?topic=23990.0

    And read through here:
    http://www.dansdeals.com/forums/index.php?topic=8028.0

    @Yosef:
    http://www.dansdeals.com/archives/27665

    ReplyReply
  117. YYK Says:
    117

    @Anonymous:

    I just bought 20 of them. The fee is actually $4.95 per card, not $6.00. So the free cash is actually $10.10 per $100 spent.

    ReplyReply
  118. agent Says:
    118

    dan, i’m looking to hit up officemax later but haven’t used AP yet. i would imagine that rapidly liquidating all of those GCs would get your account locked up…? do you spread those out and over how long?

    ReplyReply
  119. YYK Says:
    119

    @Dan:

    Dan, just got back from Office Max after purchasing 20 cards in 10 transactions. You’re the man! Thanks!

    To answer the question from before of whether you can buy them all in one transaction, I just confirmed that you can’t. I asked the cashier to ring up 2, and it immediately showed $40 each, then I asked him to ring up a third and it showed $50, so I told him to remove the last one.

    ReplyReply
  120. YYK Says:
    120

    FYI, you do not need a MaxPerks card to purchase these and get the discounts. In fact, I intentionally did this when I purchased my prepaid mastercards because I was afraid if I associate my MaxPerks card with the transactions it would only give me the discount on 1 transaction since the Ad clearly says one per household. (Though it also says one $10 discount for 2 cards, and we all know that was wrong, but in any case I didn’t want to take the chance.)

    Dan, did you purchase all your prepaid Mastercards on your MaxPerks card?

    ReplyReply
  121. BK Says:
    121

    @agent:
    If you have a Amex Target reloadable card, you can combine all of them onto that card and withdraw via ATM

    ReplyReply
  122. John Says:
    122

    Dan,

    Thanks for the Office Max tip. I just went and did 20 in 10 transactions. Yes, I got the stinky eye from the manager and clerk, but after a brief chat we had an understanding. It worked wonderfully. I was worried the 10 transactions would freeze up the card halfway through with a Fraud Alert, but all went through fine. I liquidated those bad boys out the moment I walked in the door through Amazon Payments. I also have control of my GF’s Amazon Payments account, so I can liquidate 2k a month in GC’s. Trip #2 to O.M. tomorrow!

    ReplyReply
  123. Ha Says:
    123

    @Dan and YYK: Did you do self check-out or did you have to wait in line fore every single transactions?

    ReplyReply
  124. yitz Says:
    124

    dan…
    love the post…

    Can you just explain to the laymen here what VR is and how exactly it works…

    I called them and really understand the program

    Thanks for the amazing blog.

    ReplyReply
  125. YYK Says:
    125

    @BK:

    How do you reload them all onto the Target card? Can you describe the process? Thanks!

    ReplyReply
  126. YYK Says:
    126

    @Ha:

    When I first got up there with all my cards there was no line, so it was fine. When I had 6 cards remaining is when 2 people showed up on line. I told the cashier I didn’t mind going to the back of the line, but he just rang them up anyway. It only took another 3 minutes. Figure it takes about 1 minute per transaction; it’s a very quick process.

    ReplyReply
  127. ddi Says:
    127

    @YYK: The AMEX target card allows you to reload using any credit card at Target locations, up to $1000 per tx, for a $3 fee. You can then withdraw from an ATM for another $3 fee (plus any charges by the ATM). You buy the card at Target, load it, get a permanent one in the mail, reload with your miscellaneous gift cards (can carry up to $2500 max on the card) then cash out. Only problem I see is you’re going to be racking up the fees at $4-$5 per withdrawal and if you can only do $200 per day it might get you back to even on the $10 OM MC deal (considering the MC fees as well).

    ReplyReply
  128. pmb Says:
    128

    Can you explain how to fix the expiration date when sending money via amazon? I keep getting “failed” when I try to send $50 and I believe this is the problem. Thank You.

    ReplyReply
  129. DealsSeeker Says:
    129

    The OM deal ends what day?

    ReplyReply
  130. Reader Says:
    130

    Dan, I have been dong the VR now for a while. In the CVS that I use they are always stocked. I also noticed PayPal reload cards. They look similar to the VR and it seems like its the same idea, only with a $500 daily limit and $4,000 monthly limit. Has anyone tried these? Would this be a good alternative to VR. (already reached my $5,000 limit this month on both mine and my wives account)?

    ReplyReply
  131. mo Says:
    131

    @yyk What city, state? I went to 2 dif office max and they both only allowed 2 per.

    ReplyReply
  132. mark Says:
    132

    @ YYK did you purchase your 20 out of the states of n.j – n.y thinking of making a special trip to buy cards since i was limited to only 2 cards today

    ReplyReply
  133. greg z Says:
    133

    @abe:

    Called???? You called????

    ReplyReply
  134. YYK Says:
    134

    I live in the same city as Dan. Cleveland Rocks! :-)

    ReplyReply
  135. YYK Says:
    135

    @DealsSeeker:

    Ad says Jan 13-19.

    ReplyReply
  136. YYK Says:
    136

    @ddi:

    Thanks!

    ReplyReply
  137. greg z Says:
    137

    @pmb:
    I believe you can go to the website on the back of the cards and register them.

    ReplyReply
  138. Ari Says:
    138

    Went to an Office Max in CA. After noting my name and address on a form for “wanting to buy so many gift cards” (18 $50 cards to be precise), they only let me buy 4.

    ReplyReply
  139. mrsil Says:
    139

    Hi everyone, can someone help me, with amazon payments is everyone giving their social security or is there away around that? Also, how is everyone getting around the fact that you can only link 3 cards to an amazon payment account? Thanks

    ReplyReply
  140. abe Says:
    140

    48 done today! Thanks Dan.

    ReplyReply
  141. PAL fan Says:
    141

    I was today in the office max in Brooklyn, went rite over to the gift card section and the 50$s MC wasn’t on the hook, so as I went over to the rep I saw another yid looking for it and they only gave him 2. So I just walked out………..

    ReplyReply
  142. zee Says:
    142

    thanks dan! did 40 today in 3 stores, chase stopped one ink card in middle, switched to another ink card and called them on the way home and just cleared up my multiple 89.90 charges :)

    ReplyReply
  143. chaim Says:
    143

    in the om in brooklyn they only let 2

    ReplyReply
  144. YYK Says:
    144

    @mrsil:

    Yes, you must give your social.
    Not sure if this is how everyone else did it but with the 20 cards that I had:
    1. I added one with the wrong date.
    2. After it was added, I immediately edited it and changed it to the correct date.
    3. Sent the $50 to someone.
    4. Deleted the card from the account.
    5. Repeated steps 1-4 for all 20 of my cards.

    Worked flawlessly each time.

    ReplyReply
  145. Becky Says:
    145

    Thanks much- I picked up 14 cards, but it appears as though 2 were not charged to my Ink, nor activated… what now? toss the plastic as if it never happened?

    ReplyReply
  146. 10 free dollars why not Says:
    146

    has anyone been able to purchase 20 or more cards in ny or nj area if yes can you list where if you aren’t going back to get more .

    ReplyReply
  147. cmoz Says:
    147

    @Jack L: I agree. Comcast won’t even try to send overage check. ONLY if you move!

    ReplyReply
  148. mrs k Says:
    148

    QUESTION… plugging in so much $ to the amex bluebird card are they reporting it to the IRS ????

    ReplyReply
  149. Charles Says:
    149

    LOL

    ReplyReply
  150. Freddie Says:
    150

    @Becky: You can try to bring those back to the store and buy them again. Just be sure that you were indeed not charged for those 2 cards.

    ReplyReply
  151. Becky Says:
    151

    @Freddie: I already discarded the cardboard cover, is it possible to do that with just the card itself?

    I was planning another run this AM if possible ;) I’m excited to see there’s no report that it’s nifter!

    ReplyReply
  152. Abe Says:
    152

    @ddi: Would it b possible to just fill up that target card with credit card or its considered a money trans?

    ReplyReply
  153. BK Says:
    153

    @Abe

    You can use a regular credit card to load the target amex and it will post as a purchase.

    ReplyReply
  154. usher Says:
    154

    does CVS let you purchase VR with a gift card?

    ReplyReply
  155. Jason Says:
    155

    Anyone run into snooty cashiers, and if so, did you try to talk them into letting you purchase more? The dragon lady I dealt with this morning was adamant that she wasn’t letting me “take advantage” of the deal by buying more than 4. Why she thought 2 transactions was not taking advantage but 3 would be….

    Ideas? Is it worth escalating to a manager or would that be a bad idea? It’s not like it’s coming out of their wallet after all, sheesh

    ReplyReply
  156. Steve Says:
    156

    Beware of Office Max- they will sell you cards that are not activated even though the receipt will say they are. Then prepare to have to push and prod them for months. I am still waiting from the last time they had this deal.

    ReplyReply
  157. Ari Says:
    157

    @Jason I think it’s their manager who’s restricting it to 4. Or at least it was in my case. Try another store, if you have one closeby, and choose a cashier who you think might be favorable to you.

    ReplyReply
  158. Big boy Says:
    158

    Hey Dan,
    I told you about my FR but its a little weird bc amex didn’t call me and my account online doesn’t mention anything about it.The way I know that I am under review is bc every time I call them I get redirected to that department but I never spoke with them yet do you think they would shut me down without contacting me
    Thank you

    ReplyReply
  159. Abe Says:
    159

    @BK: so y VR or OM GC’s?

    ReplyReply
  160. tracyinca Says:
    160

    How are people getting around the 2 per customer limit? I went to two different stores and was told I could only purchase two gift cards. They wouldn’t let me buy more even in separate transactions.

    ReplyReply
  161. Bob Says:
    161

    Dan, a few questions: Can you use multiple or all gc’s on AP in one day to pay one friend? Would this trigger a review from the jungle? How many payments until your friend is taxed…is it 200+ transactions per year?

    ReplyReply
  162. Nathan Es Says:
    162

    Dan, Do I need to register the Vanilla Reloads from CVS after purchase to cash out – or can I just go straight to the bank?

    ReplyReply
  163. Anonymous Says:
    163

    I bought ten cards in the last OfficeMax deal. I gave two of them as gifts. I know at least two of the cards were not activated (and that’s still not done from the last deal). I’m worried that the cards I gifted weren’t activated either. Imagine the $$$ they made off people who didn’t keep every little bit of the receipt — and of course all this from OfficeMax is on the up and up, legit, little technical difficulty is all. I’m not shopping at OfficeMax again.

    ReplyReply
  164. abe Says:
    164

    when is the deal expiring?

    ReplyReply
  165. KG Says:
    165

    stormed three stores and purchased 70 (35 transactions). would be 90 if 10 minutes earlier – a guy right before me in checkout holding 10 card with a Ink Bold..

    ReplyReply
  166. Chris S. Says:
    166

    Any chance that these cards can be used to load directly a BB card at Walmart?

    ReplyReply
  167. Bob Says:
    167

    the word is that this deal (the making $ part of it) is dead. they are now ringing up 99.90 for two.

    ReplyReply
  168. tracyinca Says:
    168

    I think the deal is dead-finally purchased some yesterday at a store in Northern CA, went back today for some more and they are ringing up at 99.90 for two.

    ReplyReply
  169. Dan Says:
    169

    Even at $99.90 it’s a deal.
    It’s earning 5 points per dollar and it can be used anywhere!

    ReplyReply
  170. Bella Says:
    170

    Just got 12 at $99.90 per transaction as well.

    ReplyReply
  171. Al Says:
    171

    I bought 5 x 2=$500 worth @ $89.90 each last night. I cashed out $300 at CVS for Vanilla Reload cards.

    Here’s a data point: CVS’ system will only let you have 7 card swipes to pay. So, I could only use 6 $50 MC GCs and then 1 credit card for the balance.

    The next CVS I went to wouldn’t allow me to use the MasterCard GC for a VR, so I had to use a credit card. I have $200 in MC GCs left to liquidate.

    ReplyReply
  172. speakeasy Says:
    172

    Al, did you have to have them enter the last 4 card digits on EACH swipe?

    ReplyReply
  173. Al Says:
    173

    @speakeasy, oh yes. Last 4 digits had to be entered for each $50 card. A total pain, and I can’t believe the clerk actually did it.

    ReplyReply
  174. JohnnieD Says:
    174

    The MC GC’s are good only in the US per the package. I paid $99.90 at OM at 1105AM. Still made 5X pts and 10 cents!!!

    ReplyReply
  175. yoknee Says:
    175

    can I transfer the MasterCard to the Bluebird

    ReplyReply
  176. zee Says:
    176

    I loaded $1000 onto target amex, 21 swipes ($3 fee) talk about a pain entering the last 4 digits :)

    ReplyReply
  177. Abe Says:
    177

    zee – sounds interesting. where do I get this target amex? and is there a limit of $1000? can the target amex be used in atm to take cash? or can I pay credit card bill with it?

    ReplyReply
  178. Abe Says:
    178

    Dan, I wonder if – while the deal still worked – did anyone try to buy the 2 X 50 and pay using a previously purchased pre-paid MC?

    ReplyReply
  179. Dan Says:
    179

    @Abe:
    Then you wouldn’t get 5x points.

    ReplyReply
  180. Abe Says:
    180

    Dan,
    Yes, but for a massive 10% gain of cash.
    BTW, Chase agreed to give me 25K after only spending 5K instead of 10K.

    ReplyReply
  181. Mark Says:
    181

    @abe. I heard of a few people tryi g to buy GC with GC. When the cost was 89.90, The cumulative 10% gain should beat the return from using the Ink card for the second round of purchases.

    ReplyReply
  182. Dan Says:
    182

    @Mark:
    I don’t follow the logic.

    With an Ink card you earn ~10% back on points, AND the ~10% cash gain, AND get closer to meet the spend threshold.
    And all it takes is Amazon to cash that out.

    ReplyReply
  183. realistic Says:
    183

    Am i missing something here? The promo was for $10 off 2 purchases of $50 MC. Was it a glitch that you were getting $10 of EACH $50 vs off the entire purchase?

    ReplyReply
  184. realistic Says:
    184

    interesting to note: These MasterCards do not need to be registered online to cash out via ap even though it says on the card you need to before using it online. The Vanilla visas on the other hand do need to be registered online before cashing out via ap

    ReplyReply
  185. cards Says:
    185

    All gone for past two days store sold out any idea?

    ReplyReply
  186. blue bird Says:
    186

    if i buy amex gift cards would i be able to upload it to my bluebird

    ReplyReply
  187. graet stuff Says:
    187

    How do you load a vanilla visa debit to ap?

    ReplyReply
  188. Kevin Says:
    188

    Interesting note: I happen to know someone who use to be a store manager at a CVS in Brooklyn. I asked her about buying gift cards/vanilla etc with a credit card. She said her store allows small transactions ($100 OR SO)to buy a gift card, but would never allow someone to spend hundreds or especially thousands of dollars on gift cards with a credit card. I asked why and she said we would be very suspicious of credit card fraud.

    ReplyReply
  189. Shia Says:
    189

    Dan:

    Is there a fee for transferring from VR cards to the blue bird?

    I want to buy VR cards of 50K total on my ink, is that a good idea, and how much would it cost me?

    As always, thank you so much for this great blog!

    ReplyReply

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