Home Improvement Gift Card Now Allows You To Set A Pin (Free 5X Points!) [Expired]

Update 2: Lots of reports of this no longer working.

Update: Seeing some mixed reports. Some confirmation but didn’t work for others. I suggest small amounts to test!

We’ve recently been renovating our home office, and had been doing so using several Amazon.com gift cards and Home Improvement Gift Cards from office supply stores in order to maximize the 5X Chase Ink spending bonus. The Home Improvement Gift Card is a fee free gift card which you can normally load $20-$500 on that is valid at several of the big name home improvement stores such as Home Depot and Lowes, as well as Sears and several others. It’s a very useful gift card in itself, and is a Discover card. Frequent Miler wrote about it previously here, but at that time it did not have the new feature I’m about to reveal.
Home Improvement Gift Card

Home Improvement Gift Card

As I went to check the balance on one of my gift cards the other day I noticed the following message at the bottom of the page:
Home Improvement Gift Card PIN

Home Improvement Gift Card PIN

It is now possible to set a PIN for the Home Improvement Gift Card! Even better, the FAQs state you don’t even need to set the PIN beforehand. If you select 4 digits as you go to use the card as DEBIT it will set the PIN then. I attempted to use the card as DEBIT and load it into my Bluebird account. It worked! This is essentially fee-free points.
This is ideal with the Chase Ink card which provides 5X at office supply stores (like Office Depot where the Home Improvement Gift Card is sold) – but works well for many other cards too! I was also able to find the Home Improvement Gift Card at a CVS near my house, and a $25 one at a Sunoco gas station. Supposedly they are also available at Winn Dixie and other stores but I have not checked on that yet. You can visit the website to find locations to purchase near you.
With the recent change of variable load gift cards returning to Office Depot but now having a “cash only” sign above them, the Home Improvement Gift Card is a great replacement. However, I would assume this will similarly come to an end at some point.
Variable Load Gift Cards at Office Depot

Variable Load Gift Cards at Office Depot

I did experience a glitch while loading one Home Improvement Gift Card to Bluebird. It didn’t go through initially, and when I went to check the balance on the Home Improvement Gift Card mobile site it couldn’t display it there either and showed an error. I tried the same card again later and it worked just fine.

As with everything, this is entirely at your own risk. Credit card companies do shut down abusers or send accounts to financial reviews, and there is a possibility of somehow having money stuck on these cards. I’d recommend you test a small amount to confirm for your intended purposes before jumping in – and maybe never fully jump in!

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About Rebecca

I'm an engineer who is new to the points game. Hoping to share my discoveries as I collect points to travel the world.

54 responses to “Home Improvement Gift Card Now Allows You To Set A Pin (Free 5X Points!) [Expired]”

  1. noel says :

    This seems like a crazy deal. Heading to the store to try it in the morning. Thanks for doing the footwork.

  2. Ozaer N. says :

    Hey..good find!! Excellent post!

  3. Travel Summary says :

    Great find! You’re about to win the internet. Just wait until the page views start rolling in this week 🙂

  4. gbert says :

    This is the kind of deal that you do not, under any circumstances, post on a blog. Yes, you’re going to get a lot of attention. But there’s roughly a 99.999% chance you’re destroying the deal to do it.

  5. Rebecca says :

    @Ozaer and @Travel Summary: Thanks! 🙂

    @gbert: Honestly I did consider keeping it to myself, but I’ve gotten a lot out of the community and wanted to contribute. I haven’t been doing this very long, but so far it seems like as one opportunity dies another appears. So yes, I apologize for likely killing the deal – but hopefully this way people can get some use out of it first.

    • gbert says :

      Yes, that’s true…but it’s better to keep a deal alive and make use of it slowly, rather than inducing a mass gold rush that kills it overnight. The total potential benefit is much higher in the former case then the latter.

    • Elena says :

      Hi Rebecca, I was in your shoes a year ago and I think sharing info is what this is all about! Yes you will get the nay sayers but there are always people out there who want the secret to themselves. Someone obviously shared info with them….I say good find!!!

      • Rebecca says :

        Thanks!! 🙂

      • gbert says :

        I didn’t know about this beforehand, so my argument isn’t out of selfishness but trying to maximize global utility. The global opportunity is maximized when the deal stays alive and is used at a sustainable rate. Sure, not everyone will know about every deal, but if you’re creative you’ll find some and be able to benefit WITHOUT worrying about people goldrushing and killing the deal. This is just a tragedy of the commons situation.

  6. Brian says :

    Another deal killed by a nobody trying to be a somebody

    • Jacob says :

      Actually Brian…you are the ‘nobody’, nobody knows you here. People on this blog actually ‘know’ Rebecca, in the sense that she has a blog, a picture, etc. But good work trolling blogs.

  7. Zoe says :

    I support you Rebecca! Thanks for sharing 🙂

  8. Jamba says :

    Thanks for being so charitable and giving back to the community. I’m sure everyone will appreciate this being destroyed.

  9. Shane says :

    At the Walmart I went to it rang as a credit, when canceling out the option for a PIN came up, entered a PIN and it was denied. The ATM machine was not in operation so don’t know if it would work there. Proceed with Caution, unless you have $500+ of Home Improvement purchases in the near future. Did you set a PIN prior to going into the store?

  10. bayguy says :

    Also can pl. someone confirm if the card needs to be registered prior to use?

  11. Ucanflyfree2.com (@duc1986d) says :

    I tried both at a cashier and at the customer service, none works. It didn’t even accept as a credit card when I tried to buy some items

    I will try at their kiosk later but feel like it might not work. Could you post your receipt or explain what you did differently
    Thanks

    • Rebecca says :

      I only used the kiosk, I did not try a cashier or customer service. Some people are wondering if there are a “new” cards versus old cards that work. I can’t comment on that other than I tried from two different OD stores and both were okay for me at the kiosk. Hopefully it will work at the kiosk for you.

  12. Joediver says :

    There are not that many people who read these blogs ( no offense Rebecca) to kill a deal like this. Only when it hits the mainstream media (coins) is there a high risk of killing deals.

    Thanks for the info Rebecca (secret handshake extended)

  13. tim2 says :

    it sounds like you said the pen a head of time. Not at the store.perhaps this is the key point.

  14. GYS says :

    thanks for sharing. your web will be crashed shortly. 🙂

  15. wantmoremiles says :

    Thanks. I do not know how gbert purposes using it slowly unless he means only he and a chosen few know about this. You did right to share.

  16. Kathryn says :

    Thanks Rebecca, I can confirm it worked at customer service for small denomination cards bought at both CVS and OD. Worked exactly like a MC gift card, so if you cant get those to work, chances are this will not work for you either.

  17. John S. says :

    Loaded to BB! Thank Rebecca! Following you now on twitter!

  18. zee says :

    @shane what’s an MO?
    Thanks

  19. Royce'sWorld says :

    I think its great to share info that’s what it’s all about, but there is a certain way to share that info. It shouldn’t be thrown out there for the freeloaders to get something for nothing and kill the deal. It should be put out there like a treasure hunt, leaving vague details to make those who want it actually do some work to get the rewards. This way those who deserve it get to reap the rewards, not only the elites who never share info outside of their groups and not the freeloads who don’t contribute anything. People will flame you for this, but you are new to points and still learning. Don’t be discourage by others and keep at it, thanks for sharing Rebecca.

  20. Royce'sWorld says :

    I think its great to share info that’s what it’s all about, but there is a certain way to share that info. It shouldn’t be thrown out there for the freeloaders to get something for nothing and kill the deal. It should be put out there like a treasure hunt, leaving vague details to make those who want it actually do some work to get the rewards. This way those who deserve it get to reap the rewards, not only the elites who never share info outside of their groups and not the freeloads who don’t contribute anything. People will flame you for this, but you are new to points and still learning. Don’t be discourage by others and keep at it, thanks for sharing Rebecca.

    • Paul says :

      Er, what is the definition of “freeloaders”? People who don’t click affiliate links? MMS is already out with a full blown arrows and pictures blog about it, so that’s the guy who should be the one who deserves your contempt.

      • Royce'sWorld says :

        hahah yah he is one of the biggest problems on spilling the beans. That’s where most of the freeloaders go or on FT those people who ask where did you get that blah blah blah. Those are the people who I consider freeloaders, the ones that want a free handout and don’t do any research of their own. I’m not talking about anything to do with affiliate links or making money. Hope this clears up what I meant.

    • Rebecca says :

      Thanks for the encouragement 🙂

    • calwatch says :

      I agree, it’s all about framing. Saying “this is something to try on special purpose gift cards that have Discover/MC/Visa network logos” allows for the deal to last a bit longer. Oh sure points and arrows man will ruin it, but at the same time passing it around a circle of a few dozen people as their little secret, without giving access to anyone else who hasn’t deigned to grovel at their feet is not the answer issue. As long as you discovered the information yourself and did not get a tip on it from a confidence, there is no “secret” to break and you should share willingly – but in a way where it requires some work.

      In essence this experience tells people to keep an eye out for larger purpose cards that can be processed through credit/debit networks. Maybe some obscure card will be available, that won’t get hit as quickly.

  21. Randy Petersen says :

    Rebecca, it’s always a positive to share.
    Have a most wonderful rest of the week.

  22. JD says :

    I discovered this worked a couple of months ago and made good use of it (while it lasted). I hope the feedback you get from your “scoop” teaches a valuable lesson…

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