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 Post subject: How to choose a gift
Unread postPosted: Sun Dec 30, 2012 8:09 am 
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Assuming you have something to spend them on, gift cards are as good as money. One handy difference between money and gift cards, though: No one's going to trade you $50 in cash for less than $50. With a few clever tricks, however, you can buy gift cards for considerably less than their purchasing power.
All you need to do to get the best price on a gift card is buy with the right credit card at the right place:

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Buy Gift Cards with a Rewards Credit Card at Groceries, Pharmacies, or Office Supply Stores
Use your rewards credit cards to save money on gift cards. If you have a credit card that gives you something like 3 to 6 percent back on purchases made at the supermarket, you can buy gift cards at the supermarket—and therefore, in essence, save that 3 to 6 percent.

Other places where you can buy gift cards that may also have corresponding credit card rewards categories include office supply stores and pharmacies.

If you have these cards, for example, you can get cash back on gift cards you buy from certain places: American Express Blue Cash Preferred (6% back at supermarkets), Everyday (3% back at supermarket), or the grandfathered Everyday (5% back at supermarkets and pharmacies) card; Chase Ink (5% office supplies stores), Amex SimplyCash card and other Amex OPEN cards (5% on office supplies stores).
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