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We regularly find “free money” opportunities and we’ll be sharing some of these offers as they cross our screens.  These deals are mostly about travel hacking (accruing miles, points and dollars on credit cards to use for free or discounted travel), but also offer a little free money. BTW – If I see a penny on the street I pick it up…

Safeway is offering a digital coupon that provides a $10 discount on any Visa Gift Card purchase $100 and over.

Steps to load this digital offer (see screenshots at bottom of post):

  1. By 4/29/17, login -or- create a Safeway Club Card account
  2. Navigate to the “Just 4 You” page
  3. Navigate to the $10 off Visa Gift Card offer and click “+Add” to card

Steps to use the offer:

  1. By 4/29/17, pick up a Visa Gift Card at the gift card center in your local Safeway
    • Fees vary depending on the specific card you purchase
      • Dining Everywhere Visa ($20-$200) Gift Card – Fee $4.95 (can be used at grocery stores and restaurants)
      • Visa ($20-$500) Gift Card – Fee $5.95
    • Not all stores carry Visa Gift Cards
    • Not all stores carry all denominations of gift cards
  2. Provide your Club Card number at checkout
    • Make sure the purchase rings up for less than the face value of the card
    • All Visa cards $100+ seem to work with the coupon
  3. Ideally, pay with a credit card that is offering a grocery store bonus
    • I always provide my Photo ID along with the credit card I’ll be using to speed up the process
  4. Use the gift card as you would use a credit card at merchants that accept Visa
  5. Make $4-$5 (depends on the fees for the card you purchase)

Options to maximize the offer and why you may care beyond $5 in your pocket:

  • Get the most benefit from your transaction by using a credit card that’s offering a bonus at grocery stores
    • American Express’ Blue Cash Preferred Card offers 6% in cash back for grocery store purchases
      • Buy $500 gift card for $495.95 = $4.05 return
      • Earn 6% on $495.95 purchase = $29.76 return
      • Total = $33.81 return
    • Chase Freedom offers 5% in Ultimate Rewards during the 2nd quarter of 2017 for grocery store purchases
      • Buy $500 gift card for $495.95 = $4.05 return
      • Earn 5% on $495.95 purchase = $24.80 return
      • Total = $28.85 return
    • American Express’ Blue Cash Everyday Card offers 3% in cash back for grocery store purchases
      • Buy $500 gift card for $495.95 = $4.05 return
      • Earn 3% on $495.95 purchase = $14.89 return
      • Total = $18.94 return
  • Meet minimum spend requirements on a current credit card sign-up bonus
    • One of the best ways to earn travel reward points is through credit card sign-up bonuses. These bonuses almost always require a minimum amount of spending within a limited time frame in order to qualify for the bonus. (e.g. Spend $3,000 in 90 days and earn 50,000 points). If you aren’t spending on credit cards at a rate that allows you to meet the minimum spending requirement during the time frame allowed, buying one of these gift cards helps you meet minimum spend requirements
  • Take your $5, and don’t worry about the credit card bonuses
    • Buy $100 gift card for $94.95 = $5.05 return

Things to remember:

      • You can only use one digital coupon per account
      • The offer expires 4/29/2017
      • Fees vary from card to card. The fees are usually displayed in small print on the top front of the packaging
      • Make sure the card you purchase isn’t restricted to stores that you don’t intend to frequent
        • There are fashion-only, fuel-only, etc. versions of Visa Gift Cards. Standard Visa Gift Cards have a little higher fee, but these cards work at all merchants that except Visa
      • You must remember to use your Club Card at checkout. Make sure the price you’re paying rings up for less than the face value of the card

Screenshots for loading this offer:

1)         By 4/29/17, login or create a Safeway Club Card account

 

 

2)         Navigate to the “Just 4 You” page

3)         Navigate to the $10 off Visa Gift Card offer and click “+Add” to card