3.35% Cash Back on EVERYTHING You Buy

December 20, 2009 · Filed Under Street Smarts 

Big Crumbs 1.35% Bonus on top of your credit card is currently the highest. I’ll let you know if there is a higher rate.

Sounds crazy right? This is Legit! Imagine buying anything, paying bills, etc and get 3.35% 5% Cash Back.  Like any of my hustles, it takes a little work and creativity.

First, I need you to join Big Crumbs in order to get it to work. Big Crumbs is another site that will give you cash back for buying things online. Currently, you can get 1.35% Cash Back buying American Express Gift Cards. I will pay it with my Schwab 2% Cash Back to get a total of 3.35 5% Cash Back.

Do the Hustle 1-2-3:

  1. Join Big Crumbs
  2. Enter info such as name, address, and paypal info for cash back to send to.
  3. Search for American Express gift card.
  4. Go through the link and pay it with your Schwab CC(for maximum Cash back) or another Credit Card.
  5. Use promo code EMSVCA to take out all the fees.
  6. Sign into AmEx account first if you want to sign up up for premium shipping free for 3 months.
  7. Buy up to $5000 every 14 days.

There are no monthly fees and the gift cards do not expired. Few fallbacks include American Express is not accepted everywhere and you lose some warranty buying with a gift card.

Unlike the churning with Buying Coins from the Mint, you have to use the gift cards for everyday purchase to churn. However, I think you can buy travelers Cheques(can be deposited into your bank) with American express gift cards from local AAA or AmEx Financial Center (YMMV).


Lending Club $25 Bonus

Lending Club was kind enough to allow me to offer my readers a special promotion: Open a lending account and receive a $25 bonus. You can use this bonus to make your first loan. To take advantage of this promotion, please click on this specific promotional link. Many of my readers have gotten the bonus and have enjoy their experience.
Here’s what to do:

  1. Go though this Special Lending Club link
  2. Fill in your name, email, password, and make up a user ID.
  3. Verify your identity
  4. Add your bank account and wait them to withdraw an amount less than $1
  5. Wait for a few days, and verify the amount that has been withdrawn.
  6. Deposit $1 to get $25 bonus.
  7. Bonus will show up after the initial deposit.

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Comments

13 Responses to “3.35% Cash Back on EVERYTHING You Buy”

  1. Investor Junkie on December 10th, 2009 5:41 pm

    Great tip!

    You mentioned. “Unlike the churning with Buying Coins from the Mint, you have to use the gift cards for everyday purchase to churn. ” I assume you are referring to the recent WSJ article on getting frequent flier miles for free?

    http://online.wsj.com/article/SB126014168569179245.html

  2. klippies on December 11th, 2009 2:10 pm

    Accoridn to the AAA website you cannt buy travellers checks from them anymore.

    American Express® Travelers Cheques
    As of October 1, 2009, American Express® Travelers Cheques will no longer be available at AAA branches. [ More Info ]

  3. John B on December 12th, 2009 5:40 am

    Is it possible to buy a USPS Money Order or (s) upto the value of the gift card so you can then cash those money orders to get the money back to send into the CC Company to get the miles benefit?

  4. Hu$tler on December 12th, 2009 10:02 am

    no

  5. klippies on December 15th, 2009 5:19 pm

    I see Citi and others also sells travellers checks. Has anyone tried to buy/deposit these checks? What are the issues doing this?

  6. Nathan on December 25th, 2009 11:53 am

    Coupon code didn’t remove shipping charges :(

  7. aditya on December 26th, 2009 4:44 pm

    code SM47 does not work

  8. Ben E. on December 28th, 2009 11:50 pm

    Unless I am doing this wrong – it appears that while you can purchase $5000 in gift cards, the largest gift card available is $3,000 (then you have to add other gift cards of smaller denominations; this, of course, isn’t good since AmEx charges $3.95 for activation). Still, this is a very, very sweet hustle. Very impressed.

    P.S. Does anyone know if it is possible to purchase a $5,000 AmEx gift card through MrRebates.com?

  9. steven on December 31st, 2009 5:07 pm

    so, what exactly was the best strategy for redeeming the gift cards?

  10. Ben E. on January 2nd, 2010 1:36 pm

    Looks like this is down to 1% now…

  11. Brent on January 9th, 2010 1:34 pm

    Been trying to redeem gift cards for travelers or gift checks, but finding it impossible. My bank, Chase, lets me buy T-checks free, but only for cash from my accounts or in hand. Amex financial charges 1% and still resists the giftcards. Any other options?

  12. P on January 26th, 2010 10:43 pm

    Order merchandise from Walmart or possibly other store like best buy or Sears that gives option of paying using paypal and returning merch to store. Using site to store at walmart pick up then return merch at returns counter. your Am ex card info will not be in their system if you paid through paypal. To give you your refund they’ll ask for the card you used give them any debit card and you’ll receive the money in your bank account pretty quick.

  13. Saving, Grocery Shopping, 2010 Entertainment Book, Cash Back, Coupons, Tips | Slick Deals Fat Wallet on February 23rd, 2010 10:16 pm

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