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I say it everywhere on the KCL website, because I can’t say it enough: Discounted gift cards are a super easy way to save money, because you can always stack them with coupons and sales at every store to save even more. Win-win-win.

Sites like Gift Card Granny, Raise, CardCash, and CrayPay all sell discounted gift cards, and each one has its own savings margin and perks.

Here’s what you need to know:

Download the KCL app for more money-saving tips, deals, and coupons.

Wanna text? I’ll send you a couple of the hottest deals each day — just send me a text at 57299.


1. Compare prices from multiple discount gift card sites through Gift Card Granny.

A person holding a Target gift card above a pile of other gift cards.

Just like KCL pulls together the hottest money-saving deals for you in one convenient spot, Gift Card Granny gathers gift card deals out there, including from Raise, so you don’t have to waste your time searching the internet for the best deals.

TIP: Check to see if the store you need a gift card for has sister stores (think: West Elm, Anthropologie, Williams-Sonoma); buy the card with the biggest savings, and use it at your store.


2. Complete activities and earn cash back at GiftCardGranny.com.

A person holding a handful of gift cards.

Earn cash back at Gift Card Granny when you complete various activities. Creating an account, signing up for the newsletter, and making your first purchase will earn you $0.50 each. Here’s a look at other activities that can score you some cash:

  • Refer A Friend $1.25
  • Chrome Extension Activate $0.50
  • Submit a Secret Deal $0.25
  • Review Question Answered $0.05
  • Spend at a Granny Reward Partner $0.05 per $1 spent
  • Purchase through Chrome Extension $0.05 per $1 spent

Once you reach $5 cash back, you can select an eGift card from retailers like Target, Amazon, and Bath & Body Works, or opt to receive a mailed check.


3. Refer a friend and get $5 from Raise.

A person handing another person a five dollar bill.

Refer your friends and make money. Or steal your hubby’s phone and do it for him.

You can earn up to $100 per calendar year.

Before you read on, be sure to bookmark the KCL Gift Card Deals page to stay informed about all the deals.


4. Subscribe to Raise’s newsletter for extra savings.

Raise.com email and text message sign up box

Subscribe to Raise’s newsletter to receive extra weekly promos and savings.

TIP: Most folks also purchase their cards right before or during their weekend shopping trips, so if you purchase yours on Friday, you’ll beat the rush and may have more deals available to you.


5. Get an instant gift card from CrayPay to cover the exact amount of your purchase.

A person holding a cellphone yo a scanner at a store register.

Retailers push gift card sales, even at discounted prices, because they know they’ll make more money in the end. It’s because 65% of gift card users spend more than the value of their gift card.

Ever have like $0.33 left on a gift card that you never use? With CrayPay, this doesn’t happen. You can enter the exact amount due at checkout for your purchases (after coupons and discounts) to buy a digital gift card valued at that same amount, all while standing at the register.

CrayPay gives you a digital gift card in the form of a barcode that the cashier scans at the register. You pay up to 10% less than the retail price of the gift card, instantly. So, say your total is $52.11 at Bath & Body Works. You buy a CrayPay gift card valued at $52.11 to pay for your merch, but it only costs you $50.55 (you save about 3% right now at BBW). Congrats, you saved another $1.56 just for tapping your phone a few times!

And, you won’t be holding anyone up in line — it’s that quick.



6. Link a cash-back credit card to CrayPay for more savings.

A person holding a cellphone in one hand with a credit card in the other hand.

With CrayPay you can link whatever credit card you’d like to use to the account. I added my Chase Freedom Unlimited Card, so every time I make a purchase through CrayPay I save an extra percentage from Chase on top of what I just saved by using the gift card.


7. Check the clearance section at CardCash and save up to 30% or more.

Screenshot of the CardCash.com clearance gift cards page

Yep, just like retailers, some discount gift card sites have clearance sections. On CardCash.com, I recently found a $25 Macaroni Grill gift card for $17.19. That’s a sweet 31.37% savings.

You can find name-brand gift cards deeply discounted in the clearance section on Raise as well. Beware, these are limited time deals, so if you see a great buy, grab it!


8. Read the money-back guarantee policy for each discount gift card site.

Discount gift card selling app Raise on a cell phone.

You don’t want to save money buying a discount gift card only to find out you should have used it three months ago because its guarantee is out of date. Guarantee policies vary widely between the discount gift card sites. For example, Raise guarantees their cards up to a year from the date of purchase. CardCash gives you 45 days, while Gift Card Granny offers a lifetime guarantee.

Easy Ways (I Promise!) to Use Discount Gift Cards and Save More