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We went looking for bargains of at least 10% off among gift cards for popular retailers, restaurants and movie theaters. We also sought out double-digit deals on gift cards sold at Costco and BJ’s Wholesale Club. Just be sure to factor in a warehouse club’s membership fee (starting at $50 a year for BJ’s, $60 for Costco) when calculating the true value of the gift card discount.
A final note: Some of the best bargains on gift cards can be found at third-party websites that specialize in reselling partially used or unwanted cards. Many gift cards are electronic, meaning you’ll receive a discount code by email. Physical gift cards are sold, too, but they might arrive in the mail scratched up or only good for an amount below the actual value printed on the card. Keep these factors in mind if giving the gift cards as gifts.
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GiftCardGranny.com, which pools deals on gift cards from various third-party gift card sites, has a slew of gift cards for popular retailers. For example, gift cards to maternity retailer A Pea in the Pod were being sold at a 15% discount (including $85 for a $100 gift card) via GiftCardBin.com and CardFlip.com.
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Other gift cards to popular retailers sporting discounts of at least 10% on GiftCardGranny included Abercrombie and Fitch (10.7% off), Ann Taylor (a whopping 30% below face value), Cabela’s (14% off), H&M (26%), Joseph A. Bank (12%) and JCPenney (11.5%).
The retailer offerings at discount gift card website Cardpool.com included Chico’s (20%), Henri Bendel (15%) and Torrid (13%). Another gift card reseller, RetailMeNot.com, listed discounts of at least 10% for Bass Pro Shops (12.2%), Michaels (13%) and Pier 1 Imports (12%).
Discounts for certain retailers tend to be limited, driven by popularity, seasonality and the forces of supply and demand. The best we could find for Toys R Us was 5%; Target, 5.5%; and Best Buy, 3%. Discounts on Walmart gift cards, when available, were less than 1%.
Discount Gift Cards for Popular Restaurant Chains
Similarly, you’ll find discount gift cards to popular chain restaurants at reseller sites.
Cardpool’s lineup includes Cheesecake Factory (10% off face value), Chili’s (17% off), and P.F. Chang’s (20.5% off). RetailMeNot’s restaurant offerings include Olive Garden (10.6%), On the Border (16%) and Krispy Kreme (20%). Gift card supplies can be very limited, so if you see a deal you like, grab it before it disappears.
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Looking for something more upscale? GiftCardGranny has discount gift cards listed for Del Frisco’s and McCormick & Schmick’s (both 15% off), as well as Morton’s Steakhouse (12%).
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Don’t forget your entertainment pleasures when it comes to seeking discount gift cards. Third-party sellers have a wide range of offerings with an array of discounts for just about every cinema operator out there. Gift cards are good for movie tickets, as well popcorn, sodas and other snacks.
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At Cardpool, discount gift cards for cinema chains included AMC Theaters (19% off) and Regal Entertainment Group (17% off). Fandango gift cards were 24% off at Cardpool and 25% off at RetailMeNot. On GiftCardGranny, Carmike Cinemas gift cards were marked down 21%, and Loews Cineplex was discounted 20% (though the predominant discount was 12.5%).
Discount Gift Cards Sold at Warehouse Clubs
BJ’s members can take advantage of discounts on new physical gift cards – no scratch marks, partial values or electronic codes to deal with, so better for gifting – mostly to restaurants and entertainment spots. Among BJ’s restaurant options are 20% off on gift cards to Bokampers Sports Bar & Grill, UNO Pizzeria and Grill, Spaghetti Warehouse and Blue Moon Mexican Café. (With all four restaurants, you pay $39.99 for a pair of $25 gift cards.) BJ’s discount gift cards for entertainment include two $25 gift cards to Dipson Theatres for $42.99 (14% off), a pack of three $10 AMC Theaters gift cards for $26.99 (10% off), and three Regal Cinemas gift cards for $26.99 (10% off).
Costco was recently selling $200 Apple App Store & iTunes electronic gift cards (codes delivered by email) online for $180 (10% off). There were also 10% discounts on Apple electronic gift cards with face values of $100 and $25. Don’t be leery about not having a physical card; these codes work just fine. I’ve gifted them to myself often. The typical Apple gift card discount at Costco is less than 10%, so this more generous offer is selling fast.
In the restaurant realm, Costco’s offering of discount gift cards include $100 worth of gift cards to McCormick & Schmick’s or Fleming’s Prime Steakhouse restaurants for $79.99 (20% off), and $100 worth of Buca di Beppo gift cards for $69.99 (30% off).
02
Is the Apple Card worth the hype?
Loyal Apple consumers may wonder if the Apple Card lives up to the hype and whether the no-fee card is truly the best choice for Apple purchases.
Below, CNBC Select breaks down all you need to know about the Apple Card — from the cash-back program to fees, payments, fine print, privacy and security.
Apple Card
Information about the Apple Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.
Rewards
3% cash back on goods or services purchased directly from Apple (including Apple retail stores, the Apple online store, the App Store, iTunes, Apple Music and other Apple-owned properties) on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com, in T-Mobile stores, at Nike and at Exxon and Mobil stations, 2% cash back on Apple Pay purchases and 1% cash back on all other purchases
Welcome bonus
Annual fee
Intro APR
Regular APR
10.99% to 21.99% variable
Balance transfer fee
Foreign transaction fee
Credit needed
ProsNo annual fee
3% cash back on goods or services purchased directly from Apple, on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on Walgreens.com and in T-Mobile stores and at Nike
No fee charged on purchases made outside the U.S.
No late payment fee
ConsApple Pay isn’t accepted everywhere
Purchases with the physical card only earn 1% cash back
No special financing offers or welcome bonus
Estimated rewards earned after 1 year: $231
Estimated rewards earned after 5 years: $1,156
To calculate the rewards you could earn using your Apple Pay card, we assumed that cardholders will use Apple Pay for 70% of their purchases at a rate of 2% cash back, since 70% of all merchants accept Apple Pay, according to an Apple spokesperson. We also assumed the cardholder would use the physical Apple Card for the other 30% of their purchases at a rate of 1% cash back. You may earn a higher or lower return depending on your spending habits.
How the cash-back program works
Apple refers to cash back as "Daily Cash," and cardholders can earn it at a rate of 3% cash back on goods or services purchased directly from Apple (including Apple retail stores, the Apple online store, the App Store, iTunes, Apple Music and other Apple-owned properties) on Uber and UberEats, at Walgreens and Duane Reade stores, on the Walgreens app and on walgreens.com, in T-Mobile stores, at Nike and at Exxon and Mobil stations; 2% cash back on Apple Pay purchases and 1% cash back on all other purchases.
There is typically no welcome bonus for this card, however new cardholders who open an account during June can earn $50 in Daily Cash after they spend at least $50 at Walgreens in the first 30 days of opening an account. This offer is valid now through June 30, 2020.
The cash-back program is competitive, but it isn't the highest earning on Apple purchases. The U.S. Bank Cash+™ Visa Signature® Card offers 5% cash back in two categories of your choosing, on up to $2,000 in combined purchases a quarter. According to a U.S. Bank spokesperson, the card's "electronics stores" category includes Apple Store in-store and online purchases while the "TV, internet and streaming services" category includes most purchases made through the App Store, Apple Music and iTunes.
Daily Cash automatically deposited into your Apple Cash card (located in the Wallet app) at the end of every night, once the transaction is posted to your account. Any transaction that is still pending won't post at the end of the next day.
Daily Cash can be used in a number of ways: applied as a statement credit to your Apple Card balance, spent like cash through Apple Pay, transferred to a bank account or sent to friends via iMessage. Unlike some rewards cards, the value of Daily Cash is the same, no matter how you redeem it.
If you don't have an active Apple Cash card, your cash back accrues in your Apple Card account, and you can manually redeem it through the Wallet app.
The Apple Card's fees
The Apple Card is one of the few cards on the market that has no fees whatsoever. There are no annual fees, no foreign transaction fees and no late payment fees.
That said, you can still incur interest charges if you don't pay your bill in full every month. The current variable APR is 12.99% to 23.99% based on your creditworthiness, which is pretty similar to other cards.
Unfortunately, this card doesn't offer any interest-free financing options, so if you use it to pay for big ticket purchases, such as a new iPhone 11, you'll want to pay the balance in full so you don't incur interest.
If you want to pay off new purchases over time, consider the Chase Freedom Unlimited®, which offers a 0% APR for the first 15 months from account opening (then a 14.99% to 23.74% variable APR).
How payments work with the Apple Card
All payments toward your Apple Card balance are done through the Wallet app. There is no online site or separate app. The Apple Card has user-friendly financial wellness tools that show users exactly how much it will cost if they carry a balance, so you know the consequences of not paying in full.
When you navigate to payments in the Wallet app, there's a simulation wheel with a "payment nudge" that allows you to select a payment amount and see how much interest you'd be charged for the given payment. You can adjust the "nudge" by sliding it with your finger to see what the interest would be if you only paid the minimum due, one third of your balance or any other amount.
When you want to make a payment, you can schedule it for a future date or immediately. Link an external bank account or use the money in your Apple Cash account to pay your bill.
To view a detailed snapshot of your spending history in real-time, Apple categorizes purchases by color so you can track your spending weekly or monthly. You can also see where and when you made the purchases, plus the transaction cost.
The Apple Card's privacy and security features
Apple is known for keeping consumers' data private, and the company continues that mission with Apple Card through advanced security measures that protect cardholders' privacy. Each transaction made with the digital Apple Card requires your device number and a one‑time, dynamic security code, which is authorized via Face ID, Touch ID or passcode.
Purchases made with the physical card are secured with chip technology. Plus the physical card has no numbers on it — no card number, security code or expiration date — which makes it practically impossible for someone to steal your information when you hand your card to pay.
While the physical Apple Card has no card number, that doesn't prevent you from completing online transactions. If an online merchant doesn't support Apple Pay, and you need to enter your card number to complete a purchase, simply access that information through the Wallet app. After clicking on your Apple Card, select the three dots on the top right and navigate to "Card Information," which will display your card number, expiration and security code.
Similar to other cards, if you misplace your card, you have the option to freeze it and request a replacement — which can be done directly from the Wallet app.
If you're concerned about which parties can view your transaction data, rest assured Apple states it won't look at your transaction data, though Goldman Sachs does have access to it for operational purposes, such as reviewing transactions for fraudulent activity. However, Goldman Sachs will never share or sell your data to third parties.
Fine print
According to the Apple Card's cardmember agreement, if you modify or "jailbreak" your iPhone, you may no longer be eligible to access or manage your Apple Card.
Bottom line
The Apple Card is a great choice for loyal fans of the brand who are looking for a card that seamlessly integrates with the Wallet app. If you want to earn competitive rewards on Apple, Walgreens, T-Mobile Uber and UberEats purchases, this card can earn you unlimited 3% cash back.
This card has a leg up on many other rewards cards with its unique Daily Cash program, which is perfect for consumers looking for the flexibility to redeem rewards within a few days of earning them. Plus the entirely no-fee structure and user-friendly payment tools are a great way to save cardholders money and encourage payments to be made in full.
However, if you lack an iPhone or want a card with an introductory 0% APR period, you should check out alternative rewards credit cards or balance transfer cards. Also note that while Apple Pay is accepted at 70% of merchants, according to a company spokesperson, you may run into trouble using it everywhere. Therefore, it may be a good idea to also carry a flat-rate cash-back card that offers more than 1% cash back on everyday purchases.
The Alliant Cashback Visa® Signature Credit Card (2.5% cash back on all purchases, up to $250 in cash back rewards per billing cycle) or Citi® Double Cash Card (2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases) are our top two alternatives.
Information about the U.S. Bank Cash+™ Visa Signature® Card and Alliant Cashback Visa® Signature Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.