InComm/Pathward Breakdown DPs
Sep 30, 2025 | 8:11 am
#226
Join Date: Feb 2016
Location: Northeastern United States
Posts: 672
Cards purchased online are still draining for the full $500.
Oct 1, 2025 | 7:38 am
#228
Join Date: Feb 2023
Posts: 1,499
Just curious what the benefit is in purchasing vgc's at Walmart. Are there cards that earn 5% CB for Walmart purchases? I purchase the $500 vgc's at drugstores to earn 5% CB on my Amex OBC card and quarterly 5% promos for Citi, Chase, and Discover cards for drugstores. Used to purchase $500 vgc for the grocery 5% CB at Kroger but don't anymore since the BHN cards don't work anymore at Walmart. So now I am limited to purchasing at CVS and Walgreens to earn 5% CB on drugstores.
I really hate the high fees on the VGCs sold at CVS. $8.95 is outrageous
Those fees are now on the cards sold at Stop & Shop.
The closest you can get to 5% in-store at Walmart is with the US Bank Shopper Cash Rewards credit card.
4.41% after the $95 annual fee.
You get 6% up to $1500 spend per quarter.
Oct 1, 2025 | 7:49 am
#229
Join Date: Jan 2003
Location: Pekin, IL 61554
Posts: 112
Yes, Walmart's fees are lower and I hate the $7.95 fees that I pay at CVS and Walgreens, but I don't see any point in purchasing cards unless I am earning 5% or close to it. Earning 2% or even 3% is just not worth the time and trouble for me.
Oct 1, 2025 | 8:14 am
#230
Join Date: Feb 2023
Posts: 1,499
If you get 5% on the full $507.95, that is $25.3975
$25.3975 - $7.95 = $17.4475 net ; $17.4475 $500 = 3.4895%
If you get 3% on the full $507.95, that is $15.2385
$15.2385 - $7.95 = $7.2885 net ; $7.2885 $500 = 1.4577%
I seem to recall Speedway sells VGCs.
Last edited by bdwyfan; Oct 1, 2025 at 8:20 am
Oct 1, 2025 | 10:01 am
#232
Join Date: Feb 2023
Posts: 1,499
Looks like the highest denomination physical ones is $250.
They charge both shipping and activation fees. Didn't you see that?
Oct 1, 2025 | 10:09 am
#233
Join Date: Jan 2003
Location: Pekin, IL 61554
Posts: 112
Thanks. Are there any places online to purchase $500 gift cards that work for purchasing MO's at Walmart?
Oct 2, 2025 | 4:23 pm
#235
Join Date: Dec 2015
Posts: 26
debit not avail, card on hold
Looks like they definitely changed something within the past few weeks. I tried $470 and $450 loads, still getting denied at second and even at first card load. I'm tempted to go as slow as $250 at this point. Anyone tried this yet?
Oct 2, 2025 | 4:33 pm
#236
Join Date: Jul 2021
Posts: 57
What kind of card is this, and where/how are you trying to drain it? Hard to offer advice or even understand your DP without those details.
Oct 2, 2025 | 6:42 pm
#237
Join Date: Dec 2015
Posts: 26
Oct 2, 2025 | 7:21 pm
#238
Join Date: Nov 2014
Posts: 321
Now I'm down to 1 card (MC) for $498. Any second swipe of a VGC/MC will cause the card to lock up and need to be replaced.
Also there seems to be a cooldown period. If someone before me swipes a VGC/MC, my card will lockup. To avoid this I try to be first at the money center when they open.
Oct 2, 2025 | 7:21 pm
#239
Join Date: Apr 2022
Posts: 379
I've come across two 7-Elevens in my area (NJ) selling Incomm MGCGs (BIN 525362) for $5.95. This is excellent news for me, since I MS gas heavily and I know these cards load to BB at FD (VGC 409758s haven't worked for me at FD for over six months now).
I bought one as a test and was able to immediately load it for the full amount to my ONE card at SCO (still on the temp card).
Bad news is one of the stores also had SSVGCs at $5.95, so it looks like fees at 7-Eleven (and probably Speedways as well) are going up.
I bought one as a test and was able to immediately load it for the full amount to my ONE card at SCO (still on the temp card).
Bad news is one of the stores also had SSVGCs at $5.95, so it looks like fees at 7-Eleven (and probably Speedways as well) are going up.
Oct 2, 2025 | 7:51 pm
#240
Join Date: May 2013
Location: Sacramento, CA
Posts: 422
With the caveat that things seem to change daily and by location - yep, that's my normal approach, plus don't swipe another card at the same store for at least 10 minutes. And (I'm still working on this) don't swipe the original card at ANY WM too soon. "Too soon" is at least 30 minutes, but since mine have all locked up at that time, I don't know at what point it's okay. I hope to see additional DPs.
