So both Turbo Tax and H&R Block offered a deal this year where if you requested your federal return in e-gift cards, they would give you a 5 to 10% bonus based on the service you requested. Let's assume for the sake of simplicity this was 10%, and let's also assume you would have consumed this amount and not reinvested it.
Wouldn't that yield a 15% APY on your money invested into this program (up to $9000 max). I consider that a very good return.
From this standpoint, does it make sense to try and maximize your expected return( up to $9000). The only problem I see is that this is the first year they have done this, and I'm not sure if you would be able to guarantee they would offer the same rates next year (which could lead to loss of potential on your investment dollars).