Originally Posted by
sjefenole
I thought this would work too, and am not sure if I made the right decision a couple months ago.
I have an REI membership (10% dividend) with the REI Visa (for extra 5% off).
FYI: REI charges 3% off your dividend if you use a non-REI (i.e., miles) card for your purhase at a store. But it does not deduct this 3% if you buy a gift card there. So a very helpful checkout person there suggested that instead of paying for my large purchase with my miles card, buy a gift card for the same amount, then use the gift card to make the purchase. I still get my 10% membership dividend, and do not get the 3% deducted from it.
Now, I wonder if you can use something like a giftcertificates.com gift card to buy an REI gift card...