Pepper: Save On Giftcards For Instacart, IKEA, Lowe’s, Chipotle, Nike, Airbnb & More

The Offer

Pepper app is offering the following deals:

Get 20% back on Instacart gift card purchases, no limit
Get 10% back on Lowe’s gift card purchases, no limit
Get 10% back on IKEA gift card purchases, no limit
Get 10% back on Airbnb gift card purchases, no limit
Get 10% back on Nike gift card purchases, no limit
Get 10% back on Chipotle gift card purchases, no limit
Get 10% back on Kohl’s gift card purchases, limit $500
Get 10% back on Wayfair gift card purchases, no limit
Get 15% back on REI gift card purchases, no limit
Get 14% back on Foot Locker gift card purchases, $500 limit
Get 20% back on Finish Line gift card purchases, no limit
Get 18% back on Champ’s gift card purchases, no limit
Get 20% back on Petsmart gift card purchases, no limit

The standard Pepper points will be instantly available and the bonus Pepper points will be awarded on 9/9/24.

Most of these deals are showing as valid through August 21, 2024.There are a few that show August 20 expiration, but they are showing the bonus points at checkout – I believe it’s likely a typo on the expiration.

Our Verdict

Some good deals here.Just keep in mind that the bonus points won’t be available for a few weeks, and so I wouldn’t recommend buying unless you can manage the risk of something going wrong with the bonus points posting a few weeks down the line.I’d also recommend using up the Pepper points quickly since people have had issues logging in, etc.

Reports are that Amex Business Gold to earn 4x if it’s one of your top two categories.

And reports are that it counts as Online Shopping for BofA cards and Blue Cash card and ShopYourWay card.And it counts as Computer Software category for BofA Customized Cash Rewards cards and for 1.5x on the Business Platinum card.

Note: While there is no limit to these deals, you might be limited in overall quantities that can be purchased from Pepper in a day.So you might only get $2,000 or some other number until the app stops you.It’s sometimes possible to increase limits by calling in and verifying.

My thanks if you enter my signup code 584255 during the initial signup process.

Those who signup with a referral code get double Pepper points on all purchases for 15 days.(Not clear whether these bonus deals will be doubled.) No referral links or references in the comments below, please.

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.