Credit Cards - Fees on Gift Cards

born_again

TheMod1 said:

Looks like airtime rewards are working on a fix. When you go to buy a gift card it blocks credit cards and has this message

We’ve temporarily disabled credit card payments for gift cards while we work on resolving an issue. Debit cards are still available as normal.

Also just to add ive never faced extra charges for buying gift cards on my CC, must he lucky.

TBH, & this will be unpopular. 
Gift cards should be classed as cash purchase. As that is exactly what you are doing loading a card with a cash value.

flaneurs_lobster

born_again said:

TheMod1 said:

Looks like airtime rewards are working on a fix. When you go to buy a gift card it blocks credit cards and has this message

We’ve temporarily disabled credit card payments for gift cards while we work on resolving an issue. Debit cards are still available as normal.

Also just to add ive never faced extra charges for buying gift cards on my CC, must he lucky.

TBH, & this will be unpopular. 
Gift cards should be classed as cash purchase. As that is exactly what you are doing loading a card with a cash value.

Can't say I'm particularly bothered if they are or not, but if there's a (legal) way to avoid charges while earning cashback on spending then I'm going to be taking advantage. 

Slinky

born_again said:

TheMod1 said:

Looks like airtime rewards are working on a fix. When you go to buy a gift card it blocks credit cards and has this message

We’ve temporarily disabled credit card payments for gift cards while we work on resolving an issue. Debit cards are still available as normal.

Also just to add ive never faced extra charges for buying gift cards on my CC, must he lucky.

TBH, & this will be unpopular. 
Gift cards should be classed as cash purchase. As that is exactly what you are doing loading a card with a cash value.

But you can't swap that gift card value in for cash (as far as I'm understanding things), so I can't see what the difference is between buying a gift card for a supermarket on a credit card, or buying stuff at the supermarket on the same credit card. The only slight advantage being that you can get the cashback before paying the credit card bill.

Slinky

TheMod1 said:

Looks like airtime rewards are working on a fix. When you go to buy a gift card it blocks credit cards and has this message

We’ve temporarily disabled credit card payments for gift cards while we work on resolving an issue. Debit cards are still available as normal.

Also just to add ive never faced extra charges for buying gift cards on my CC, must he lucky.

Being charged for a 'cash advance' when buying the gift card, somewhat negates any advantage of the cashback.

Slinky

crumpet_man said:

flaneurs_lobster said:

Slinky said:

flaneurs_lobster said:

Slinky said:

I'd spotted the change that giftcards no longer qualify for cashback, so they've become much less attractive to buy on Airtime.

Someone on another thread mentioned Everup, which I've found give much better rates than Airtime and Topcashback in the main. The only difference being that it's a minimum of £10 to cashout to your bank, and they charge 30p if you do this. However you can knock off your cashback earned of any amount against the next card you buy.

Thanks for that. Can you buy Giftcards with credit cards and are these purchases reported as cash advances? 

I've had no problem so far buying giftcards through Everup with my John Lewis credit card. No cash advance charge.

Thanks. I've installed the app and had a quick look round. Rates look good, am I right that purchases with a cc have to be via Google Pay?

Would you be so kind as to provide the discount rates for Asda, Tesco and Sainsburys?  I don't suppose they have Amazon on there too?

Sorry, just noticed it's shown on their website, often you have to download and sign up to the app to see the current rates.

Asda 

4.80% Instant Cashback
+ 1,616 coins per £1 spent

Tesco

5.50% Instant Cashback

Sainsburys

5.20% Instant Cashback
+ 1,751 coins per £1 spent

No Amazon

I think the rates do seem to vary a little from time to time

ZeroSum

I have a workplace scheme & used various credit cards & not once has it been treat as cash