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[gr8ful]

I cannot speak for others, but I find 20% to be a pretty hard number to get. I view it this way:

5% - Very easy to get. Sam’s Club $190 for $200 is the standard price. Target Red Card members get 5% off all the time.
10% - Watch for sales. They happen. Best Buy typically does 10% a couple times a year. They just finished yesterday. I believe it was also last year in February or March that they did it. This year the $450 for $500 “secret” sale was tantalizing because of how large the gift cards were… I wish I had learned about it earlier! Additionally Sam’s Club will provide a 10% off sale with some regularity - maybe 2 times a year or so $180 for $200. Typically there are supply limits for these types of sales.
More than 10% is pretty rare to find in a basic offer. Best Buy last year did a “drop” for I believe $80 for a $100 GC or something like that. It went within seconds, and was limited to 1 or 2 per customer.

Typically for the greater savings than 10% you need to double up. For example, last year the Sam’s Club May GC sale would be combined with the 5% cash back in wholesale clubs category at Discover. So you got 10% off plus another 5% back, making the total number relatively close to 15%. You sometimes can stack REDcard (Target) discounts with promotions that give you “awards” to use at Target.

Credit Card incentives often help, but can vary. Many individuals received Best Buy promotions on their American Express Cards this year. I have four American Express Cards, but none of them were eligible for the offer for me.

Your credit card, at a minimum should give you back 1% on what you are spending, which isn’t quite the same as 1% of the value of the card. So that is an additional bonus that people count towards it.

Thank you! I agree, a 5% discount before any stacking is easy to get so I consider that the baseline. Sam’s has had $200 DGC for $190 all year so they are my default. I buy them online and stack them with either a 5.25% BofA or Discover card.

No Target Redcard and they seem pretty complicated to execute well but I know some folks here have figured it out to good effect so I am relooking at it. No Amex card either and you not getting Best Buy offers on 4 Amex cards seems like a sign to keep it what way.

With 3 BofA Customized Cash Reward cards and an Unlimited Cash Rewards card plus a Discover card I think I have cash back pretty well covered.
Where I still feel I am missing out when I read posts here is with credit card merchant offers. I took advantage of my first one only recently with a SW Chase offer at giftcard.com.

Thank you for sharing!

 

[gr8ful]

You can also do a target RedCard debit card and get the 5% off target purchases.

Seriously considering it.

 

[gr8ful]

I have a Bank of America Custom Cash Rewards card - I stack this at the beginning of every quarter with 4x200 eGC via the sam’s app.

Thanks, that’s been my default plan as well!

 

[gr8ful]

I agree about store cards in general, but feel Target is an exception because of the 5% back right off the top. You don't have to remember to apply your points, there's no minimum redemption, it's just a straight 5% off of the total. To me, immediate savings every time is worth having a store card.

It being a main component of a solid DGC strategy is more related to your willingness to buy other products there. I have 2 targets within 15 minutes of my house, the smaller of which is the closest place for me if I need to run in for some forgotten item. So, any time Target offers the rewards on spend, I know I can buy DGC and then use those rewards dollars on the miscellaneous stuff I end up buying there. If you have to go out of your way to spend those rewards, then it's much less useful as a strategy.

Thank you, you make some very compelling arguments! And my DW does shop at Target fairly often so perhaps it’s time…

Now, what is the story with Target 360, do you recommend?

 

[gr8ful]

Nope, sorry.

"$X off with purchase of $Y" don't work on gift cards, only "Spend $X, get $Y rewards" work. And, for that matter, when you go to spend those rewards, they can't be used on GCs, only merch.

Thank you for spelling this out so clearly. It looks like I’m going to need this information!

 

[Twilghtsprkle]

Thank you, you make some very compelling arguments! And my DW does shop at Target fairly often so perhaps it’s time…

Now, what is the story with Target 360, do you recommend?

Only get 360 if they give it to you for free. I don’t think many on here actually paid any money for it.

 

[TheOneWithTheTriplets]

Now, what is the story with Target 360, do you recommend?

Only get 360 if they give it to you for free. I don’t think many on here actually paid any money for it.

Yup! I'm trying it on a free offer but have no intention of paying for it. The monthly freebies are nice and there was at least one rewards offer that was 360 only, but I don't think those will actually pay for the cost if it's coming out of my pocket.

 

[gr8ful]

Only get 360 if they give it to you for free. I don’t think many on here actually paid any money for it.

Yup! I'm trying it on a free offer but have no intention of paying for it. The monthly freebies are nice and there was at least one rewards offer that was 360 only, but I don't think those will actually pay for the cost if it's coming out of my pocket.

Thank you, good counsel!

 

[PlutoNotPlanet]

After hunting on GC.com BB, I found this wave of discount from BJ’s the most straightforward for high volume.
Otherwise, I’d have used Target card 5% or Amazon card 5% at Whole Foods

 

[3 DD love princesses]

Stopped at a BB again on my way home from work and grabbed their last 7 DGC's, variable loads with no issue. She rang them up 2 at a time. Stopped at the store in my town and grabbed 10. The cashier only allowed me to purchase 2. I had a feeling when I saw the cashier that she was going to limit me.

Was told the other day, at least at my store, it's a $500 limit, so it looks like it varies by location.

yes seems each store can set its own limit but from corp side its set by state limit

 

[TheOneWithTheTriplets]

Folks who had Target orders go through during the outage yesterday: what's your status?

Hubby got two DGC to hit bonus, finally got the confirm email and the gift cards yesterday evening. However, his Spend X, get Y didn't credit. It's still showing as an available Circle bonus to earn.

 

[ironz]

Folks who had Target orders go through during the outage yesterday: what's your status?

Hubby got two DGC to hit bonus, finally got the confirm email and the gift cards yesterday evening. However, his Spend X, get Y didn't credit. It's still showing as an available Circle bonus to earn.

I had offer for $20 rewards with $150 spend. Put in order for $150 of gift cards, and didn't get confirmation nor saw it in order history, so I thought it didn't go through. Ugh, so I did another $150 order, and at least got an order number.
Didn't get any emails or see the orders in my history until about 8 pm last night. Apparently both orders finally went through. I did get the bonus, but that took about another hour to show up. I don't know if it triggered from the first or second order, however.

 

[Doingitagain]

Folks who had Target orders go through during the outage yesterday: what's your status?

Hubby got two DGC to hit bonus, finally got the confirm email and the gift cards yesterday evening. However, his Spend X, get Y didn't credit. It's still showing as an available Circle bonus to earn.

I finally received the order emails and the shipping notices for 2 orders. The Target Circle reward hasn't posted, but the items haven't shipped yet so that is not a surprise. The two digital gift cards did come through, one from each order, and I was able to move them over to another card number.

 

[HowardTDuck]

I'm having issues using BJ's. I placed 2 orders yesterday (wanted to hit different credit cards) and one of the orders (the larger one) keeps getting cancelled an hour after the order is placed. My first time using them.

 

[SkampyOne]

Do you use these offers often?
I received the same offer as you, $15 back with $150 spend. I take advance of these offers almost every single time they have them to buy gift cards though out the year.

it seems like I get worse offers than I see posted most of the time and I feel like it’s because they know I am going to jump on it no matter what they offer me.

I used to but lately I've been jumping only when savings would hit 15% or greater so have actually passed on more than I've taken advantage of.

You have me curious though because that would be a great way for them to allocate offers...

 

[gr8ful]

After hunting on GC.com BB, I found this wave of discount from BJ’s the most straightforward for high volume.
Otherwise, I’d have used Target card 5% or Amazon card 5% at Whole Foods

Looks like you have a lot of good options in your toolbox. Thank you for sharing them! I too greatly prefer a high volume, low hassle approach whenever possible.

 

[Grankm21]

Folks who had Target orders go through during the outage yesterday: what's your status?

Hubby got two DGC to hit bonus, finally got the confirm email and the gift cards yesterday evening. However, his Spend X, get Y didn't credit. It's still showing as an available Circle bonus to earn.

I made an instore purchase of a GC at Target yesterday. It took about 6 hours for the bonus to show as completed. I also placed a separate instore pickup order of merchandise. Ordered it at 2:30pm yesterday, the order finally showed up as processing at about 8:30pm. Then this morning I got a notification that the item was ready for pickup.

 

[wdw_dine_junkie]

Two of my Citi cards have a 5% back on BJs, expiration 1/31/26, max of $6. With the $141.49 sale price for $150 and $6 max credit, that comes out to be $135.49 for $150. About 10%. Can leave a dollar on the table of the offer and get $100 for $89.

Might be worth holding on to, to see if any coupons come but that's not a given and the sale price will probably go away soon.

 

[gr8ful]

it seems like I get worse offers than I see posted most of the time and I feel like it’s because they know I am going to jump on it no matter what they offer me.

I used to but lately I've been jumping only when savings would hit 15% or greater so have actually passed on more than I've taken advantage of.

You have me curious though because that would be a great way for them to allocate offers...

I am considering backing off of lowball BJ’s offers for the same reason. Used to get a lot of decent cash off offers and used all of them. Now the offers are less generous and are few and far between.

 

[Traveling on cc points]

I used to but lately I've been jumping only when savings would hit 15% or greater so have actually passed on more than I've taken advantage of.

You have me curious though because that would be a great way for them to allocate offers...

It is just a theory, I could be 100% wrong.
It’s just seems like the more I used them, the worse the offers got.
After not getting a couple of the good offers the last couple of months, I had my husband open a target account to see if he gets any better ones. Yesterday he got spend $75 get a $10.
Even with the lower offers, with my red card 5% off, I usually save in that 12 to 18% range.
I am kicking myself for not doing to PayPal deal from a few weeks ago but I didn’t want to chance paying full price for the cards. I Personally prefer to go for the sure thing deals.