Amex Gift Cards, this and that

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I’ve reported before that it is possible to get 1.5% cash back via TopCashBack or 1.4% cash back via BigCrumbs when buying Amex gift cards online.  Here are some miscellaneous updates on that topic…

Financial review fears

Some people who have ordered large amounts of gift cards from American Express, using American Express credit cards to pay, have suffered through American Express financial reviews.  This means that American Express freezes all of you Amex card accounts and requests documentation (such as tax forms) to prove to them that you are able to sustain such high levels of spend (and to pay it back).  Regardless of whether the financial review satisfies American Express, its probably an event that you would prefer to avoid.  So, just note that as a caution before you buy too many gift cards!

FatWallet vs. TopCashBack

Currently, the difference in payout between FatWallet and TopCashBack is very small (1.4% vs. 1.5%).  In general, people have had very positive experiences with FatWallet (see, for example, “FatWallet sets a high bar for cash back portals“).  However, experiences with TopCashBack have been mixed.  While I haven’t had much trouble, some readers have reported so much trouble that they’ve vowed never to use the site again.  Again, just consider that a caution.  As long as the difference in payout is so small, you may be better off going with FatWallet.

Discount codes

There are usually discount codes available to either reduce shipping charges or eliminate fees from Amex gift card purchases.  However, readers have reported problems with codes I’ve reported in the past.  One reader reports success with the code “PHONEGIFT3” but when I tried it I received an error.  Another reader reported success with the code “EMSVCA” but that too gave me an error.  It seems that if I start my session in BigCrumbs or TopCashBack, the codes don’t work.  If I go directly to Amex, the codes do work, but then I won’t get 1.4%/1.5% cash back. 

The one code I’ve found that does seem to work after going through a cash back portal is AFLQ12013.  I’ve tried this successfully from both BigCrumbs and TopCashBack. This code subtracts $5.95 from your shipping charges. 

Have you used any codes successfully lately with a cash back portal?  If so, please report the codes in the comments below.

TopCashBack confirmed

A number of readers have reported frustration with TopCashBack for various reasons and have questioned whether they will pay out reliably for Amex gift cards.  This is just one small data point, but its worth noting that my transactions from January 11 have moved from pending to confirmed:

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While this is reassuring, its also a good reminder that getting cash back can take a long time (from any portal).

Free Money

It looks like you can get cash back for ordering free American Express prepaid gift cards.  BigCrumbs offers $7 back and TopCashBack offers $10.  I experimented by going through TopCashBack to American Express Gift Cards and I searched for Prepaid Cards.  I then ordered one for my wife.  You can get one with no money loaded on it and there is no charge.  I later received confirmation from TopCashBack that $10 was pending (and the status is now “confirmed”):

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Each person (based on SSN) can order up to 3 free prepaid cards, so this can be up to $30 free money per person.  I wonder if one were to cancel the cards if they could order more…?

To find the prepaid cards, go to the gift cards section, scroll to the bottom and look for a tiny hyperlink titled “prepaid cards”:

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Reader Tip: Adding your name to the card

This tip comes from a reader who noted that Amex allows you to add a message to each gift card and that the message appears at the bottom of the card in the same place that a name would usually appear on a credit card.  Soooo, if you plan to use these gift cards for yourself, simply put your own name in as the message.  That way, if a store asks to see your ID, they can compare the name on your ID to the one on your “credit card”.

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To get to the customizable gift cards, scroll to the bottom of the gift card screen and look for the tiny “gift cards” hyperlink:

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Then, select “Custom Message Gift Cards”.  Warning: I have not tested whether this will result in cash back if you came from a cash back portal.  I expect it will, but I don’t yet have proof.

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[…] Source: Frequentmiler […]

luchex

I tried to use a 3k amex gc on gc mall, but they couldn’t validate my personal information. How do you manage to pass de personal information matching check?

LUCHEX

I have never bought one of these but I would like to ask if the three of them show as AMEX GC in the statement or is there a way to make it look like item, grocery electronic or something other thatn GC

Frequent Miler

robert smith: I think you’ll get stopped if you try to buy more than $5K total of personal cards.

robert smith

i have several am ex cards. will i raise a red flag if i use different am ex cards to purchase gift cards. i was thinking of around 3 (1000) cards for each purchase and also using several other non amex cards.
can you answer asap as i know today is the only day for the 2.5%cashback

thanks

[…] Amex Gift Cards, this and that […]

Curious

Quick question – has anyone purchased Amex gift cards (through the website) with a US Bank Card (Club Carlson, etc.)?… if so, does it post as a purchase or cash advance?

Travel Splash

Amol, FM – I got cashback from BigCrumbs on the purchase of customized gift cards. I used coupon code ADMIN2013 for $5.95 off.

Chris

FM,
do you know what code to use for the personalize card?
and when i try to check out personalize card, even though i click on Personal link from BC, it seems that Amex will take it to business side…
or, am I doing something wrong?

FrequentMiler

Chris: That’s strange. I don’t know what’s going on there. No, I’m not sure what the best current codes are either.

Chris

FM,
the EMSVCA code is working for personizing the card, but I am not sure about BC…

yeah…at the check out..i am required to enter business name which wasnt a requirement when i bought non-personalized gift card under personal link…If i remember correctly…

Bayguy

Has anyone received cash back from Big Crumbs when using a code?

Chris

Bayguy,
I can confirm that I receive BC with the code that take off portion of shipping cost.

However, if you like to personalize the card, it doesnt that that code (AFLQ12013), but the other code it accepted but i am not sure if it will give BC or not…
anyone can confirm the personalize card bonus?

FrequentMiler

Katy: yep.

Katy

No more topcash: American Express Prepaid and Gift Cards Unfortunately American Express prepaid and giftcards can no longer offer cashback we hope to have them back live very soon….

Amol (@PointsToPointB)

Have you been able to verify that a customized gift card earns cash back?

FrequentMiler

Amol: No,I haven’t tried. Anyone else?

Frequent Miler

Cyclotron: That’s weird. No, I don’t know why your BA card wouldn’t work.