Day 135/365
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Check your just for U account for two high-value coupons for Visa gift cards. You can actually turn a profit on this deal!
The Deal
Through February 22, 2020, you can get $15 off of two $100 Visa gift cards and $10 off two $50 Visa gift cards by clipping the coupon in your just for U account at Safeway or other Albertsons branded grocery stores. This is a great deal, especially if you have a credit card that gives you rewards at grocery stores. These gift cards can be used like a debit card at other stores which do not give you a category reward on your credit card. Don’t wait to clip it, though, as last time I noticed that the coupon disappears from your account at some point prior to the expiration date if you don’t clip it.
Savings Breakdown
Here’s how the savings break out. Each card has an activation fee. The fee is $5.95 for the $100 card and $4.95 for the $50 card. If you maxed out this deal on your just for U account, you would have $300 to spend, but only have paid $296.80. That’s $3.20 profit right off the bat.
Maximize Your Rewards
Of course I can’t be satisfied with only $3.20 in profit. I’ll also use a credit card that has a rewards category at grocery stores. Usually for us, that’s the American Express Blue Cash Preferred Card with 6% cash back on up to $6000 per year in the grocery store category. We generally hit that cap before our cardmember year is up, so I like to mix in other cards, like my new IHG card that gets 2x at grocery stores. I need to spend $3000 on it in the first three months for the bonus, so I may as well get a category bonus on that spending.
So I were using my Amex, the math would look like this: $3.20 from Safeway, plus $17.81 cash back on the American Express Blue Cash Preferred Card.
Get 6% Cash Back EVERYWHERE
The great thing about these negative-cost Visa gift cards is that after buying them with my American Express Blue Cash Preferred Card or other rewards-earning credit card, I know that when I use them, I’m essentially getting 6% back on all of my purchases. This is how I maximize my spending! 6% back at the eye doctor, 6% back at Costco, 6% back on the water bill, 6% back on my kids’ school t-shirts and church pledge. That’s right! By using these Visa gift cards to get a money order at Walmart, I can earn 6% back on any spending that requires a check or cash! This is where the beauty of the negative-cost Visa gift card really comes shines in your strategic pending plan.
Check Your Local Store’s Brand
Be sure to clip the coupon to your just for U account and use your number or card at the register to get the discount. If you’re not sure which stores are owned by Albertsons in your area, take a look below. You can find this clickable image here if you scroll to the bottom of the page.
