A couple of weeks ago, I wrote the post “Vanilla hunt” in which I described my attempt to buy Vanilla Reload cards at a TA gas station. The attempt failed. I was told “Cash only”. I continued my search, though, because there are great benefits to buying gift cards and reload cards at gas stations. In my prior post I wrote:
Quite a few credit cards standardly offer extra cash back or bonus points at gas stations (see “Best Category Bonuses“) and some offer bonus points at gas stations as an occasional promotion (For example, Freedom and Discover cards offer 5X this quarter at gas stations, up to $1500 in spend).
If a gas station allowed you to buy Vanilla Reload cards with a credit card, you could do really well by paying with a card that offers gas stations bonuses. You do need to be careful, though, because some cards reportedly restrict the bonus to payments made at the pump (if you have specific experience with this, please report your findings below).
The numerically named convenience store
In the first comment of my July 3rd post, Milezjunkie named a convenience store chain that carries Vanilla Reload cards, allows credit card payments, and codes as a gas station. I decided to check it out.
My first stop was at a store with a gas station attached. I easily found reload cards on display and took two to the counter along with a bag of M&Ms. The cashier asked to see my credit card and ID, and in less than a minute I was out the door having successfully bought the cards.
My next stop was at a stand-alone version of the store. I brought one card to the counter. The cashier said “I don’t know if we can take credit cards for these.” She then called the store owner to ask. When she got off the phone, she said it was OK, but I had to show my ID and credit card. You bet.
At a third store I wasn’t so lucky. “Cash only” I was told. I asked the cashier if he was sure about that. He checked with the manager and came back and confirmed “cash only”. Oh well, two out of three ain’t bad.
Gas purchases
To see how my purchases were coded, I had to wait a few days for the transactions to clear the “pending” stage. Then, since I made purchases with my Chase Freedom card, I logged into my Chase account, and clicked on “Blueprint”.
From Blueprint, I selected Track It… See Spending.
There I found that all of my convenience store purchases counted as gas station purchases:
Your mileage may vary (YMMV)
Since July 3rd, I’ve heard from many readers about this. Many have reported success, but some have been turned away at the counter with the familiar “cash only” refrain. So, whether or not you can buy reload cards at your local convenience store will depend upon the individual store and cashier.
Even if you can make these purchases with a credit card, there is no guarantee that they will count as gas purchases for bonus points. I recommend testing this out yourself to see what happens. To see how your store is likely to code, please see this post: How to find bonus merchants.
To see which credit cards have the best on-going gas station bonuses, checkout this page: Best Category Bonuses. Also note that, this quarter, both Chase Freedom and Discover offer 5X at gas stations up to $1500 in spend.
UPDATE
This post was mostly written last week and scheduled to run today. In the meantime a number of blogs have posted similar information. For example, see here and here.
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Mr Cool: Yes, that’s what they say. I haven’t had any problems
Some have reported that PayPal freezes accounts when PayPal reload cards are overused.
even if youre within the $4k paypal reload limit??
Same here. Local 7-11 had been taking CC till this week. Clerk still lets you try, but register gives instant denial when you swipe.
As of today, all 3 7-11s in my area now require cash for VR. All 3 took a credit card last week.
Thanks for that update Kelly. Anyone else seeing the same?
7-11 is dead in San Francisco…….seems the cash registers have been programmed and very smart as I know the staff were not reading the memos………..So now how to buy anything to load on a Bluebird now that I have the damn checks!
Freedom…….What a great card….I have to get my wife one of those…………and my kids…………best humble card ever……….working man’s road to wealth and fame…….this capta is for the birds……….
Every time I read your posts I laugh out load from how far ahead your thinking is compared to the rest of the pack…………FM you have a nose that can find the most exquisite of truffles……..keep it up my friend!
FM,
i am 100% sure, you won’t get 5% cashback to buy VR at 7-11. i tried 4 of 7-11s. only got 1% for all purchases of VR
bill: I received my Freedom statement yesterday and I did receive the full 5X quarterly bonus for my 7-11 purchases.
.
JustSaying: Thanks!
bf: Have you ever tried paying inside to see if PenFed really only pays out “at the pump”? Sometimes company’s have terms that aren’t really enforced as advertised. I’m just curious.
Gagne: PenFed Visa gives 5% cashback only for gas purchases at the pump. Hard to buy VR “at the pump.”
Anybody knows if Penfed or Fort Knox 5% credit card view 7-11 purchases as “gas”?
Thanks.
anyone know if discover counts 711 has a gas station as well? after maxing out the freedom
I was reviewing a previous post by you and noticed that you have posted about reload it. Since I am using the manufactured spend to reach 40k and hilton Diamond I am looking for the “cheapest” gift card and getting a card for $950 with a $3.95 fee seems to be the best bargain………then put it on a PayPal Prepaid Mastercard and then send it to my Paypal account and then electronically to my landlord’s bank account and I am done. What am I missing? $3.95 per $950 in fees is the total cost?
[…] I referred to this. […]
Gregg, are you aware the VRs are also sold at HEB? (supermarket category). I’ve only tried one store though, and had no luck, even including other products. Cash only. Wondering if you know if anyone has had a different result. Looks like it’s code on the registers.
FreeTravelGuys: No, I wasn’t aware that HEB sold VRs.
JustSaying: If you can find a place that sells $950 ReloadIt cards and lets you pay with a credit card, then that’s fantastic. I would do that too if I could.
tom: I don’t know. I would guess yes, but I have no proof at this point
Had a lovely chat with my OD mgr (mgr?) today… Stopped in and they did have the new variable $VISA cards. (They’d restocked too — last time I was there they had only 3-4 $25 VISA cards!) So, two new “columns” of variable VISAs, and the top of the display said Cash only.” The next several columns included the $200 VISAs (and lots of other store cards) and the top of that display said these could be paid for by cash, credit, or debit card. (I don’t remember if it said gift cards, but why would it?)
There were, however, TWO hangers with the variables on them in the center of the VISA fixed amount cards. hHe mgr came by at just that moment and I said: I think this is wrong: these should be over here (in the cash only) column) right? He said, oh yes! He didn’t know how they’d gotten moved (Probably to fill the hole…) But so I moved them over and he helped.
He said it was a new display, and I said “yes, there’s been a lot of trouble with these: there are only two kinds of people who buy them — criminals and frequent flyer miles folks. And, oh by the way? I’m NOT the criminal kind!” He got a laugh, and I bought my two $200 cards and left. (I’m only using them to put on a Bluebird to pay my mortgage; that’s all the ‘spend’ I want or need to add on my Ink.)
(Hour N of Atlanta)