Replace 1/7/24: CrayPay is  shutting down January 15, 2024 (ht GCG)

Replace 2/10/22: Can presently get $5 bonus money again whenever you buy 3 present playing cards. Hat tip to GC Galore

The CrayPay app is another choice for getting first-hand present playing cards at a reduction. When testing in-store or on-line at many prime retailers, buy a present card within the CrayPay app for the precise quantity of your buy and also you’ll get a small low cost from CrayPay. The present card is immediately obtainable to make use of at checkout.

The app has dozens of outlets obtainable together with Amazon, Greatest Purchase, Staples, Toys R Us, Mattress Tub & Past, Lowe’s, in addition to dozens of eating places. Every service provider will get a special low cost starting from as little as .5% at Greatest Purchase or 1% at Amazon to 7.5% at Land’s Finish.

You pay with a bank card within the app, so that you aren’t dropping any bank card rewards, it’s simply an additional small low cost on prime of no matter you get from the cardboard. You’ll most likely lose out on class rewards, e.g. when you’re paying at a restaurant by way of CrayPay, it received’t code as a restaurant to earn bonus factors. Tell us when you discover any bank card class bonuses that work with CrayPay.

The app additionally has a rewards program, although the small print are murky. All that’s identified is that you just’ll rack up factors with every buy made by way of the app which can transfer you as much as Degree 2 and three to get much more financial savings on future purchases. I assume the low cost percentages off present playing cards get larger for Ranges 2 and three? Probably not positive. You may as well refer pals that will help you get to the following financial savings stage.

CrayPay (one of many worst names ever imagined) is similar to the Seashells web site and the MPX app. All of those are nice choices to get extra to your cash, both by getting reductions off your buy within the case of CrayPay and Seashells or by getting bonus United miles within the case of MPX. They’re particularly helpful for purchases the place you don’t want bank card protections, like when paying at a restaurant.

Operating a fast comparability of the Seashells money low cost to the CrayPay money low cost, many occasions their payout charges are comparable and typically Seashells wins out. CrayPay does have the benefit that the low cost comes off the acquisition versus a credit score for future use, and so they have a rewards program too.

We’ll add this to our Full Record of Strategies to Purchase Reward Playing cards with Reductions and Bonus Rewards.

Hat tip to Milestomemories who found the app