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Assuming you accept article to absorb them on, allowance cards are as acceptable as money. One accessible aberration amid money and allowance cards, though: No one’s activity to barter you $50 in banknote for beneath than $50. With a few able tricks, however, you can buy allowance cards for appreciably beneath than their purchasing power.

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All you charge to do to get the best bulk on a allowance agenda is buy with the appropriate acclaim agenda at the appropriate place:

Sites like Plastic Jungle and Allowance Agenda Granny are accepted places to acquirement (and sell) allowance cards secondhand.

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You can save as abundant as 35% off the face bulk of a allowance agenda (or added if you accommodate eBay sellers) by application one of these sites.

The alternative of allowance cards on these resellers, however, may be abbreviate at times and they generally are awash in odd amounts, so if you’re attractive to save on a specific allowance agenda amount, you ability not accept abundant luck here. Also, aback you’re in a hurry, it’s easier to aloof go to the abundance to buy a allowance card.

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Here’s addition action that’ll get you a abatement on the best accepted allowance cards automatically:

Use your rewards acclaim cards to save money on allowance cards. If you accept a acclaim agenda that gives you article like 3 to 6 percent aback on purchases fabricated at the supermarket, you can buy allowance cards at the supermarket—and therefore, in essence, save that 3 to 6 percent.

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Other places area you can buy allowance cards that may additionally accept agnate acclaim agenda rewards categories accommodate appointment accumulation food and pharmacies.

If you accept these cards, for example, you can get banknote aback on allowance cards you buy from assertive places: American Express Blue Banknote Preferred (6% aback at supermarkets), Everyday (3% aback at supermarket), or the grandfathered Everyday (5% aback at supermarkets and pharmacies) card; Chase Ink (5% appointment food stores), Amex SimplyCash agenda and added Amex OPEN cards (5% on appointment food stores).

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BoardingArea describes addition allowance agenda and rewards agenda affairs strategy: use the (discounted) allowance agenda for one abundance to buy a altered allowance agenda you ability absolutely use. For example, you ability get a Toys R Us allowance agenda (which you can get 5% banknote aback through uPromise) and again use that agenda to buy an Amazon allowance card. If you buy an OfficeMax allowance agenda with a acclaim agenda that rewards you for arcade at appointment food stores, again you can use that OfficeMax allowance agenda to buy a altered allowance card. Check out Boarding Area’s abounding blueprint of allowance agenda hacks.

Finally, if you accept a rewards acclaim card, it ability accomplish added faculty to redeem your rewards for a allowance agenda rather than any added blazon of accolade (e.g., banknote or miles), aback allowance agenda redemptions are generally cheaper and additionally on auction from time to time.

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Recently, for example, Citibank acclaim cards had a accretion action for a $100 Amazon allowance agenda for 9000 credibility (a accumulation of 1000 credibility or about $10), admitting their archetypal banknote aback accolade is $50 for 10,000 points.

If you buy allowance cards through acclaim agenda or biking rewards arcade portals like Chase Ultimate Rewards or Aadvantage, you can acquire afar or credibility on that allowance agenda purchase.

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In short, you don’t anytime accept to pay abounding bulk for a allowance card.

Photo by 401(K) 2012

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