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3

Credit card offers like this generally don't apply to gift cards. The card you are looking at specifically mentions "Only Purchases Earn Points": You’ll earn Points for purchases using your Card Account, minus returns and refunds. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized ...


2

This may indeed be a loophole if you can purchase gift cards at an appropriate category of store with the credit card AND ensure that your spend at that category of store will be the largest on the credit card each month. However, 5% of $500 is $25, so your maximum potential reward each month for exploiting this loophole is not very big. There is also ...


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