Gift cards are often seen as convenient gifts or last-minute purchases, but when used strategically, they can become a reliable way to stretch your budget. Whether you’re stocking up on household supplies or shopping for everyday essentials at variety stores, using a gift card the smart way can lead to immediate savings and long-term benefits—especially when paired with cashback platforms like Fluz.

Here’s how to turn a simple gift card into a money-saving tool.

The truth about gift card savings

When you use a gift card at face value, you’re simply spending a set amount instead of using cash or a card. But when you buy a gift card with rewards—like cashback or discounts—you’re essentially lowering the cost of your purchase before you even shop.

Let’s break it down:

• Buy a $25 gift card and get $1.25 in cashback → your effective spend is $23.75.
  
• Use the gift card for your full purchase → no out-of-pocket payment at checkout.
  
• You still earn any applicable store loyalty points or receipt-based rewards.
  

This stacking method creates a loop of value, especially when combined with other tools.

Where to get gift cards with built-in value

The best results come from platforms that offer cashback or discounts at the time of gift card purchase. Popular options include:

• Fluz: Provides instant cashback on gift cards for everyday stores like CVS, Walgreens, and Dollar General. Gift cards are digital and available for immediate use.
  
• Raise: Offers discounted resale gift cards. Better for advance planners.
  
• Ibotta: In addition to receipt scanning, Ibotta also allows gift card purchases that earn rewards.
  
• Rakuten: Often links to promotions involving prepaid cards or cashback gift card deals at partnered retailers.
  

Everyday example: shopping at CVS with a gift card

Suppose you’re planning to spend $30 on toiletries and household products at CVS. Rather than swiping your debit card at checkout, you:

1. Open the Fluz app.
   
2. Buy a CVS gift card online for exactly $30.
   
3. Use the gift card barcode at the register.
   
4. Earn instant cashback through Fluz, and potential points through your CVS ExtraCare account.
   

This means you’ve saved money and earned loyalty rewards—without using a single coupon.

Tips to maximize your savings

• Match your gift card to your cart total to avoid carrying small balances.
  
• Buy the gift card right before you pay to keep funds fresh and prevent expiration.
  
• Use store loyalty programs in tandem with gift card payments.
  
• Check the Fluz merchant directory to see which stores offer the best cashback rates at the time of your purchase.
  

The verdict: gift cards aren’t just for gifting

When used smartly, gift cards help you manage spending, unlock extra rewards, and make the most of every purchase. From variety stores to pharmacies and beyond, using digital gift cards from cashback platforms is a low-effort, high-impact way to boost your savings.