Disney Gift Card Deals

[Cruising Engineer]

The Amex Blue cash Preferred is only 4.4% cash back. Here is the math:
If you spend $6,000 you get back .06 * 6000 = $360 - $95 annual fee = $265 . So 265/6000 = 4.4%
The break even point is at around $3200, so only get the Preferred if you are absolutely sure you will be spending more than $3200 on it per year at supermarkets.
If you spend the full $6,000 in a year, you will get $85 more than just having the free Amex Blue.

The math is true only for the first purchase of the annual dues year. After the first purchase and the $95 fee is taken, the rest of the grocery purchases are a full 6%. It's not $95 fee for every purchase.

 

[striker1064]

Just started using it. My best tip is sign into all your debit and credit card accounts right away and then spend as you normally would. I didn’t even realize they had $2 back if you spend $20 on Lyft until i saw it pending. Many merchants didn’t show for me at first but then after I linked cards a few days later stuff showed up. Crazy thing was my purchase from those days tracked anyway. Idk about stacking with Dosh, I suspect gift cards will track but haven’t tried it.

Same here, checked Pei the other day and was very surprised to see several $2 back from Lyft pending, from our week in WDW. Wasn't expecting that at all but that's a nice boost. I did the same as you, just linked all my credit cards so no matter where I go it'll be tracked for potential cash back whether I realize it or not.

 

[FoxC63]

I just got back from Kroger - MI and there were no signs designating which gift cards earns 4x fuel. Several cashiers and CS said they believe it is on any.

I just need Visa as I'm well stocked with Disney. I'll update if my digital coupon disappears!

UPDATE The Visa digital coupon is still in my account! Plus reading Krazykroger .com she also states both coupons are "unlimited"!

Link: https://www.krogerkrazy.com/2019/03/4x-fuel-points-this-weekend-at-kroger-only/

 

[snugglebug]

Has anyone else had issues with Dosh just not working? I made a purchase at Dunkin Donuts on Wed which should have been 5% back and there is nothing pending through Dosh at all.

I do have an issue with a local Mexican restaurant not tracking. After a week i usually submit a ticket and they've always credited it. I'll be submitting today for last week's dinner out.

 

[amalone1013]

Can I use 2 credit cards and 1 Walmart gift card in 1 transaction on Sam’s Club? Thinking 2 Amex offers and SB discounted gift card....

You should see how complicated mine get...

VVs from swagbucks, MCGC from work carpool incentive, often 4 gift cards... sometimes an AMEX or Discover offer... lol

 

[ClapYourHands]

It takes a while for online stuff to show up in RMN (most people say around a week.)

Thank you. I recall waiting a while for some of my in-store RMN transactions to show up, but I seem to recall my online Staples going pending almost immediately a couple of months ago. I'll try to be patient, then.

 

[PerfessorZ]

The math is true only for the first purchase of the annual dues year. After the first purchase and the $95 fee is taken, the rest of the grocery purchases are a full 6%. It's not $95 fee for every purchase.

I think you missed his math. Yes, you get 6%, but you can't just ignore the $95 annual fee when you're trying to determine its value compared to the non-free version of the card. Take for example, this scenario: you spend $2,000 in grocery stores in a year.

With the Blue Cash Everyday, you earn 3% on those groceries, but no annual fee, so at the end of the day, you get $60 back.

With the Blue Cash Preferred, you earn 6% on those groceries, but with a $95 annual fee, so at the end of the day, you wind up only $35 ahead ($120 cash back, but less the $95 annual fee).

So a BCE card would be the better choice, since your BCP would have only gotten you ~1.5% cash back after you take into account the annual fee.

 

[Mr. lncredible]

I think you missed his math. Yes, you get 6%, but you can't just ignore the $95 annual fee when you're trying to determine its value compared to the non-free version of the card. Take for example, this scenario: you spend $2,000 in grocery stores in a year.

With the Blue Cash Everyday, you earn 3% on those groceries, but no annual fee, so at the end of the day, you get $60 back.

With the Blue Cash Preferred, you earn 6% on those groceries, but with a $95 annual fee, so at the end of the day, you wind up only $35 ahead ($120 cash back, but less the $95 annual fee).

So a BCE card would be the better choice, since your BCP would have only gotten you ~1.5% cash back after you take into account the annual fee.

This.

Your break even point would be $3200. If you spend over the $3200 on grocery store purchases per year then the BCP will net you a better value, obviously maxing out to $6000 being best.

 

[Cruising Engineer]

This.

Your break even point would be $3200. If you spend over the $3200 on grocery store purchases per year then the BCP will net you a better value, obviously maxing out to $6000 being best.

Yes I guess its how you figure it up. I look at the fee as a cost of doing business. The rewards I received from the piece of furniture I purchased at a department store in January ($3300.00 * .03= $99) covered the $95 BCP fee.

 

[pillow]

The math is true only for the first purchase of the annual dues year. After the first purchase and the $95 fee is taken, the rest of the grocery purchases are a full 6%. It's not $95 fee for every purchase.

I think if you look at it that way, you'd have to say that the first $1,583.33 of purchases (assuming grocery) earn you 0% cash back since that's how much you'd have to charge to offset the $95 annual fee. Then after that, you earn 6% up to $6K. I think it makes more sense to average it out like @bbsearchlight did. Of course, that assumes you're only charging groceries and nothing else. 6% sounds fabulous at first, but there needs to be a way to account for the fee.

 

[pillow]

Yes I guess its how you figure it up. I look at the fee as a cost of doing business. The rewards I received from the piece of furniture I purchased at a department store in January ($3300.00 * .03= $99) covered the $95 BCP fee.

We were posting at the same time . . . I tend to use my card only for groceries + a few Amex offers. So its easier to allocate the fee to the grocery category. Agree it gets more complicated with dept store purchases, etc. Its not a bad card, but I am considering downgrading since the grocery category tends to earn 5x with Freedom and Discover so often.

 

[ksromack]

RMN question: I did a cash back offer yesterday through RMN to Amazon. I navigated through the RMN portal to Amazon and made the purchase (and it was legit, bought 2 pairs of shoes for my kid), but I'm not seeing anything go pending. Now when I look at my Amazon history, it looks like one pair is coming directly from Amazon and one is from a third party. Does that make a difference? It's the same order number for both.

Does it usually take a while for the online to go pending?

Anyone know how to get RMN to investigate? I bought the second pair of shoes specifically to trigger the $50 threshold for the $10 cash back (though i probably would have purchased the shoes anyway at a later date).

I have never had good luck getting my Amazon purchases to credit, even when following the link from RMN.

 

[ClapYourHands]

I have never had good luck getting my Amazon purchases to credit, even when following the link from RMN.

Were you able to do anything to resolve it? I mean in my case, it's only $10, but I'd still rather have it than not have it.

 

[ksromack]

Were you able to do anything to resolve it? I mean in my case, it's only $10, but I'd still rather have it than not have it.

I haven't. Truth be told there are usually only certain products that the RMN cash-back are good for so i just assumed my purchases didnt apply. I suppose i should go back and look a little closer at my purchases.

 

[ClapYourHands]

I haven't. Truth be told there are usually only certain products that the RMN cash-back are good for so i just assumed my purchases didnt apply. I suppose i should go back and look a little closer at my purchases.

I would never dispute anything where I tried to skirt the rules (buying GCs, for example), but I'm using the tips on this thread to find ways to save more in my everyday life. This was a legit purchase. $5 on $35 purchase of shoes, apparel, accessories, and $10 back on $50.

YDS really needs new shoes, and I found a pair of Merrells in his size for under $30, and then added a pair of Merrell sports water sandals for the summer for like $26 to get over the $50 mark. I find with Amazon that the pricing is really dynamic with kids shoes. All the shoes in one brand/style might be $50, but there will be one color in one size that's $30, and when it matches what my kids need, I snap it right up. I've gotten brand new sketchers for $15 that way.

So, I contacted RMN through the chat feature, and the rep took my email address and confirmed I activated the offer properly. I just have to wait the 45 days, and if there's no credit at that point, I can ask RMN to make the adjustment manually.

Now to remember to check on this in the middle April!

 

[FoxC63]

So, I contacted RMN through the chat feature, and the rep took my email address and confirmed I activated the offer properly. I just have to wait the 45 days, and if there's no credit at that point, I can ask RMN to make the adjustment manually.

Now to remember to check on this in the middle April!

One word - Calendar! Gotta write it down!

 

[pillow]

I did the Staples RMN Deal 3x in Feb. I can do the same deal 3x again in March correct?

 

[robinstrip]

Yes you can do it again in March.

 

[ClapYourHands]

I did the Staples RMN Deal 3x in Feb. I can do the same deal 3x again in March correct?

Not only can you do it again in March, if your significant other also has an account, you can do it from that account, too.

 

[chaoskids]

I’m new to RMN. What do you buy at Staples? Disney gift cards?

TIA