Replace 11/6/24: The signup bonus for brand new members who join utilizing a referral code has modified. Beforehand it was double factors for 15 days whereas now it’s a flat $20 bonus after spending $200 (presumably the bonus provides you $20 in Pepper factors to make use of on a future buy). You’ll be able to triple dip by, (1) signing up with a referral code for a $20 bonus (my code is 584255), (2) assembly the spend with an Amex card that has the $15 low cost, and (3) shopping for present playing cards that are already on sale.
Pepper Rewards
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The Pepper Rewards app is a brand new app for purchasing present playing cards and getting money again. They provide a proportion again in Pepper factors when shopping for a present card from many manufacturers. This consists of high manufacturers like Amazon, Walmart, Goal, Residence Depot, Lowe’s, Greatest Purchase, Nike, Airbnb, Nordstrom, Chevron, Delta, Ikea, Instacart, Meijer, Large Eagle, Netflix, Texaco, Uber, and dozens extra.
They use a complicated factors system the place every level is price 1/20 of a penny towards a future buy. Nevertheless it’s simpler to only assume by way of p.c again: retailers that present “3x factors” are 3% again in Pepper factors, retailers that present “15x factors” are 15% again in Pepper factors, and so on.
At present (8/1/24), a lot of the high retailers like Amazon, Walmart, and Greatest Purchase are between 2-4% again. Some smaller retailers will be as much as 8% again. On particular promotions we typically see 15% again or presumably increased.
To make use of your Pepper Rewards, make sure you click on the plus signal (+) at checkout, and proceed clicking the plus signal till all rewards are utilized.
Referral Bonus – Double Factors
The referral bonus presents double factors for 15 days. For instance, if Amazon has an everyday 4% again, new members will get 8% again. And if Petco has an everyday 8% again, new members would get 16% again. Observe: the common factors might be accessible instantly to be used, and the signup provide factors will turn into accessible after the 15 interval is over. Additionally word: it’s not clear if particular promotions on Pepper get doubled; e.g. if they’re providing 10% again on Amazon, it’s not clear if new signups will get 10% again or 20% again or 14% again.
The referrer will get $20 price of Pepper factors (as of 8/13/24). No referrals within the feedback beneath.
Our Verdict
At launch Pepper was providing 5% again on all manufacturers. In July 2024 they modified issues up and provide differing charges by service provider. There are occasions Pepper could be a nice deal, particularly for somebody on the brand new signup provide which doubles factors for 15 days.
Experiences are that Amex Enterprise Gold to earn 4x if it’s one among your high two classes as a part of the Pc Software program class. And it counts as Pc Software program class for BofA Custom-made Money Rewards playing cards for 3%/5.25% and for 1.5x on the Enterprise Platinum card. And reviews are that it counts as On-line Searching for BofA playing cards and Blue Money card and ShopYourWay card and the legacy Citi AT&T card
