is offering 5% off on virtual Visa Gift Cards with coupon code EOS5 or ENDOFSUMMER. That should stack with a Citi Merchant offer for 1.5% cash back and probably either 6% cash back via the Capital One Shopping app (free for anyone to use) or 3x American Airlines miles and the current AA shopping portal bonus to come out nicely ahead of the game. That said, it may be worth waiting a day or two to make sure that the portals eventually list the coupon codes in order to remove any doubt as to whether the code is eligible for portal rewards.

The Deal

  • is offering 5% off on virtual Visa Gift Cards (up to $75 off) with the following coupon codes:
  • These deals should stack with 1.5% back via Citi Merchant Offer for those targeted and may also stack with shopping portal rewards.

Key Terms

  • Maximum discount is $75 (max purchase is therefore six $250 cards)
  • Keep in mind that most portals limit you to earning rewards on up to $2K in purchases per month.

Quick Thoughts sells virtual Visa Gift Cards in denominations up to $250 for an activation fee of $5.95. The coupon codes are good for up to $75 off. That will bring the total cost for $1500 in Virtual Visa Gift Cards down to $1460.70.

That puts you almost forty bucks ahead of the game before considering any stacking opportunities.

If you have the Citi Merchant offer for 1.5% back, that should be another $21.91 cash back. You should be able to sync that offer up to your Citi card and then click through the Capital One Shopping app and get 6% “cash” back (keep in mind that cash back rewards earned through Capital One Shopping are only redeemable for gift cards) to get $87.64 back in gift cards. If that all stacks, you’re essentially almost $150 ahead before considering whatever rewards you earn with your credit card.

You could alternatively go through American Airlines AAdvantage eShopping for 3 miles per dollar. There is currently (at the time of writing) a portal bonus good for 2,000 bonus miles when you spend $600. That would increase your total mileage payout to more than 6,400 miles. Keep in mind that only the base miles (3x) will count as Loyalty Points for the purposes of earning elite status, not the 2,000 bonus miles.

There are a couple of additional points to consider:

  • Shopping portal terms typically dictate that using a coupon code not found on the portal will invalidate cash back. In the past, when has run these discount codes, we have seen a code hit the portals a day or two after the sale launches. Sometimes the code is the same and sometimes it is different. I’m not sure whether orders made before the code is added have typically paid out. Personally, despite the great potential deal here, I’ll probably wait a day or two to place an order (which is risking that the deal is dead, so you may prefer to buy now). That said, I heard that ENDOFSUMMER may be the better bet to come out on portals.
  • Capital One Shopping is free and open to anyone (no Capital One credit card is required). However, they only offer 6% back in the app, not on the desktop version of the Capital One Shopping app (the desktop version only offers 3%). If you have a Capital One credit card, you can alternatively log in to your Capital One account and on your card account page, there is a link to shopping offers and I see 6% back at in that offers section on desktop (though I think you will need to pay with a Capital One card if you go that route). It’s easier to just get the app on your phone and use whatever credit card you want.
  • typically only pays out portal rewards on up to $2,000 in purchases per month.

Again, I’ll probably wait a day or two to place an order, but I’ll definitely do this deal if the codes show up on portals. In my case, I may do it for American Airlines miles because I’m just short of a useful level of status, but otherwise I’d probably go with Capital One Shopping for 6% back.

H/T: Miles to Memories

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Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.