(Updates 11/22: Pepper has an extended sale lasting through 11:59pm ET on 11/24. The rates aren’t as good as the flash sales (may they keep popping up), but they are more predictable and thus easier to catch. Amazon 8X, Sam’s 5X, Lowe’s 8X. Stack with referral offer and AmEx offer, if possible.

– Pepper points will now expire if 60 days pass without a purchase. If you made a purchase prior to 11/15/24, you’ll enjoy a grace period; this policy change will not take effect until February 1, 2025. Keep in mind you can buy a $1 Amazon gift card.

– Pepper has changed their referral offer to a fixed $20 bonus after spending $200 in your first 15 days. Stack with AmEx offer and a flash sale, if possible.)

I don’t know about you, but these days I check the Pepper app first thing every morning to see the limited-time Flash Sales and to redeem all my available points that arrived from past purchases. I literally bought a new Sam’s Club membership because I can’t give up 14% off + 2% credit card cash back + Cashback portal + 2% with Plus membership. Sorry Costco, but Sam’s Club even has free Drive Up. I am always looking to stock up on 14% off Amazon and 14% off Walmart/Sam’s Club gift cards. 🚚 Look to stack it with this $15 off $50 AmEx Offer. Search for “Pepper” in your AmEx app:

(10/29 Only Flash Sales (for reference): Sam’s Club 14X/142% Off (Works at Walmart too). Amazon Fresh 14X/14% Off (Works at Amazon too).

10/14 Only Flash Sales: Sam’s Club 12X/12% Off (Works at Walmart too!), Kohl’s 18X, Airbnb 14X, Stubhub 20X, IKEA 18X.). 2,000 points = $1.

10/13 Only Flash Sales: Amazon Fresh 10X/10% Off (Works at Amazon too!). Cabela’s 20X, Uber 10X, Columbia 18X, XBOX 20X. )

See new offers daily in-app with the Inbox 📩 envelope icon. Confirm the Boosts on screen before you click “Buy gift card”, as quantities may be limited. 2,000 points = $1.

Original post, updated:

Pepper continues to offer up “flash sales” that offer big discounts on gift cards from Amazon, REI, Sam’s Club, and so on. Plus you still get whatever credit card rewards from the Pepper purchase. Examples are Amazon at 12X/12% back (Amazon Fresh = Amazon), Sam’s Club (= Walmart) at 10% back, IKEA 18% back, Airbnb 14% back in the form of points. Stock up quickly when you see the sale in the app. Redeem instantly into your respective store accounts, if you wish. (Tip: The math will work out. Every 2,000 points is worth $1 in future gift cards. 10,000 points = $5, and so on. Must redeem in increments of $5.)

Here’s the current offer for new Pepper users:

• Download the Pepper Rewards app and be sure to enter a referral code 588494 on the first screen when joining. Thanks if you use it!
• Get $20 after spending $200 in your first 15 days. This bonus has changed from the previous offer, but still not bad astheir old double offer only applied on their standard 4X rates, while their daily flash rates are 12X to 14X.
• You’ll also earn rewards from using your credit card for purchase. Use a 2% or better cash back rewards card, or use it to satisfy a credit card bonus spending requirement that is even better than 2%.

Pepper is an iOS and Android app that sells discounted, new gift cards in exact amounts that are delivered instantly on your phone. This lets you to wait until the moment before purchase when you already have the final purchase price (in-person or online), and then go buy a discounted gift card via the app down to the penny. The main problem with gift cards is when you don’t use up the entire balance. This helps to avoid the waste. I load my Amazon/Amazon Fresh cards into my app the moment after purchase.