Breaking News: You Can Now Use Gift Cards For Cash Back, Loading Bluebird, and Buying Money Orders! A Million Mile Secrets reader (thanks!) pointed me to this FlyerTalk thread which discusses the new ability to add a Personal Identification Number (PIN) to a prepaid Visa or MasterCard debit gift card.
This means that it becomes easier to complete the minimum spending requirement on your new credit cards or to use credit cards for purchases which otherwise couldn’t be made with a credit card.
According to this article, the Federal Reserve has provided informal guidance that all Visa or MasterCard pre-paid cards or gift cards have to have PIN number from April 1, 2013.
Buying a small amount of money orders to pay your babysitter, mortgage or to pay student loans could be worth it to earn miles & points. Buying lots of money orders just to deposit in your bank account for the miles and points will arouse suspicion – at the banks and at the places you buy them from.  That’s because anyone can buy money orders and deposit them in banks and “launder” money. If the banks get suspicious, they may file a Suspicious Activity Report to the Financial Crimes Enforcement Network.  Or they may shut down your account without allowing you to explain the transactions. In addition, most sellers of money orders will ask for identification and take down your social security number, driver’s license and other identifying information if you usually attempt to buy more than $3,000 in money orders at a time, and most will not sell you more than $10,000 worth of money orders a day.  But you shouldn’t need such high limits if you use them for genuine transactions. In my experience, some gift card manufacturers are scrambling to get systems in place and not all of them let me register or use a PIN with my Visa or MasterCard gift card. I also wasn’t able to get cash back at CVS or Walgreens with these gift cards issued by US Bank.
I was able to buy money orders at Wal-Mart and Kroger when I used the Visa but NOT the MasterCard as a debit card and entered my PIN number.
I WAS able to load my American Express Bluebird at Wal-Mart using the Visa, but not the MasterCard gift cards with a PIN! If you can find Vanilla Reload cards at CVS or other shops, you can also buy a Vanilla Reload at CVS and load your Bluebird online via the Vanilla Reload website. It depends on the amount of the gift card (a larger denomination is better since the activation fee remains the same) and how much you value the miles or points which you earn.
My cost would have been 1.18 cents per mile or point if I had bought a $500 denomination gift card. I did NOT get a receipt indicating that I could sign-up for a PIN, nor was there any indication on the card packaging that I could sign-up for a PIN.  So I went to the Vanilla Visa website and entered my card number. I could make purchases using the Vanilla Visa gift card as a credit card (which is how you normally used a gift card to make a purchase), but couldn’t buy ANYTHING using the card as a debit card with a PIN. So I called the Vanilla Visa helpline and a few reps told me that I couldn’t use the card as a debit card and that there was no way to get a PIN. There are lots of Visa and MasterCard gift cards, so please share your experiences in the comments! Resist the temptation to go overboard!  And do the math to see if this works for you!  I’d also only buy a SMALL denomination gift card first, to see if this works for you, since there seems to be differences based on where you use the gift card and which bank issued the gift card.
Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. I remember you mentioning once issues with using Citibank cards for purchases similar to these, do you think there are any issues with cash advance fees etc if I used these to subsequently get money orders from walmart?


I got pretty excited when the post office (big main branch on 34th st) didn’t ask for id, since the card has no name other than GC recipient. So yeah, RITE AID allows you to use the VISA vanilla gc to purchase a Western Union MO and even PROMPTS FOR CASH BACK!!!
Thanks for the thorough guide by the way – you truly helped me out in a time of need!
I also wanted to note that I tried purchasing a Moneygram MO at Walmart and it was instantly declined – the cards automatically come up as Credit and cannot be used. How many gift cards (in terms of dollar amount) can you buy at one time without raising suspicion? Does anyone know ANY place in Dallas, Texas area that will sell money orders with loaded cards with PINs?
Credit Card DisclaimerApplying for credit as described in this blog may affect your credit score. Uncategorized direct deposit account or balance Visa or mastercard only we also accept visa and mastercard as payment click for details laurie smith is one of the many longtime employees at h 7 r block in Uncategorized direct deposit account or balance. You can transfer other balances and consolidate your monthly bills into convenient monthly payments (See Note 1). Convenience checks are available to access your credit card's available credit (See Note 3).
Make your monthly payment automatically by transferring funds from your checking or savings account. If you would like to add a qualified family member to your account, we can issue an additional credit card. Choose your own Personal Identification Number (PIN) and you'll get access to cash 24 hours a day at any ATM displaying the Visa® or Plus logos (See Note 4). My cost would have been lower if I used a card which gave a category bonus for purchases at that store. I bought a $200 Visa GC from Staples (supplied by MetaBank), set up the pin, and it did not work at the Wal-Mart kiosk. I do understand the value in buying the Vanilla Reload with my CC to earn points, I think that is cut and dry. He bought the Vanilla Visa GC at CVS and tried to reload it to his bluebird on Walmart Moneypass ATM.
He’s been calling a friend of his and he goes to the ATM after the call and he makes this call at least 3 times a day. I think everyone should get together and file suit against them for false advertising because they should not be able to use this as a selling point when they know it’s NOT available. I was as to purchase a Netspend pre-paid Visa card today at my local Food Lion grocery store. In the past I have used google wallet to try to deposit the balance, but have had mixed results. Cash advance fees will be assessed on convenience check transactions as described in your Credit Card Account Agreement.


American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. I also bought 2 different variable visa gift cards (the OneVanilla and Vanilla Gift Visa gift cards for $500 each) from Walgreens, which worked on the kiosk as well. The Office Depots around me don’t allow you to buy gift cards with CC, unfortunately, but I was able to buy a $200 one at Staples (yes, that was the largest amount I could find). You buy a vanilla visa gift card with your cc, take it to a Wal-Mart money center, and use it as a debit card to load your Bluebird account at either a kiosk or the cashier.
I got the kind with a pin and my only option is the post office since everyone here only sells money orders with cash. When I took it to the cashier I just explained I wanted to load and purchase it all at the same time.
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We got this image on the net we feel would be one of the most representative images for frank kaminsky jewish. Just call our Customer Service Department toll-free 1-877-906-6055 and have the following information available: Banking Institution Name, Routing Number, Checking Account Number. We will arrange to send you a replacement credit card or make emergency cash available to you. A check may be returned unpaid and you may be assessed a return check fee if prior to processing the check you have already exceeded your credit limit or if processing the convenience check would cause you to exceed your credit limit. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners. The main question is about the Visa gift card….Which particular visa card and from where should I buy it with a credit card ? I should also state that tho I was kind of hassled at one cvs, they did sell me the gc with a cc. I have been reading about it from various blogs and people talk about Visa Gift cards with pins? Either you make up your pin when you make your reload, or it is the last four numbers on the gift card.
BTW, I need the cash to pay for school since my school charges exorbitant fees for using credit cards. Now I don’t know if I can reload it using my credit card, but it’s worth a shot!



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