Staples: Fee-Free $200 Visa Gift Cards

One of my favorite deals is back! Staples is selling $200 Visa gift cards without any purchase fees. These gift cards act like debit and credit cards, and you can use them anywhere Visa is accepted.

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Fee-Free Visa Gift Cards Offer

For the week of 3/31 to 4/6, Staples is offering the $200 Visa gift cards with no purchase fees up to a maximum of 8 cards per visit. This is available in-store only. Typically, these Visa gift cards come with a $6.95 activation fee per card.

It seems like Staples is promoting Visa and Mastercard gift cards every other week. I’m not complaining, it’s a big positive in my opinion.

Staples $200 Visa gift cards with no purchase fee
(Image from Staples)

Related:

Staples Fee-Free Visa Gift Cards – Hot Deal Angle

You might be thinking, “It’s not a bad deal, but why are you so excited about this offer? Well, this is one of the ways I earn millions of points every year for free.

By using a category bonus credit card (I use the Chase Business Ink Plus for 5X points at office supply stores like Staples), you can earn a ton of points for really no cost.

Ninja Note: You can no longer get the Chase Business Ink Plus, but the Chase Ink Business Cash also provides 5 points per dollar spent at Staples and is offering a $750 welcome bonus with no annual fee.

For example, if I buy 1 of these Visa gift cards, I’ll earn 1,000 Chase Ultimate Rewards points ($200 x 5 points per dollar spent) by spending it on my Chase Ink Plus card.

If I buy 100 of these cards over time, I would get 100,000 Chase points ($20,000 x 5 points per dollar spent).

100,000 Chase points is enough to redeem for $1,500 worth of travel or even get $1,000 cash straight up.

You can treat the Visa gift card like cash and use it anywhere. Yes, the more gift cards you buy, the longer it will take to use them all. However, if you’re creative, you can really liquidate your gift cards quickly.

For example, you can pay your mortgage or utility bill with these cards. Another angle is pre-paying your taxes – you can do 2x a quarter or 8x a year. Others have somewhat secretive ways of burning through these in no time at all.

Again, be creative.

Stack With AMEX Offers or Chase Offers

As you know it, the stars are aligned. Currently, both American Express and Chase have promotions at Staples through their “AMEX Offers” and “Chase Offers” program.

If you don’t know what these are, it’s basically additional savings that American Express and Chase provides to their card holders. You just have to activate (add) the offers to your account.

You can find all of the current offers by logging into your account on your desktop or mobile device – on the main page, there’s a section that dedicated to these deals.

AMEX Offers

On some AMEX cards, customers are getting offered a 10% statement credit back at Staples, up to a maximum of $50:

AMEX Offers - 10% back at Staples
(Image from American Express)

With the current Staples deal, you can buy 3 $200 gift cards for a total of $600. By doing so, you’ll be saving $50 by using this AMEX offer.

That’s a $50 profit (spending $550 to get $600 worth of gift cards) right off the bat. Plus, you’ll get all the points on top of that!

Chase Offers

Similar to AMEX, Chase is offering card holders a 20% statement credit back at Staples, up to a maximum statement credit of $34.

Chase Offers - 20% back at Staples
(Image from Chase)

Because it’s 20% off, you’d max this offer out by buying just 1 $200 Visa gift card.

That’s a $34 profit (spending $167 to get a $200 gift card). And if it’s on a Chase card that gives you 5X points at office supply stores, you’d also earn 1,000 points.

The Bottom Line

Even without the AMEX Offers or Chase Offers, this is a hot deal. I buy these at every chance I get and use them for everyday purchases. It’s like spending cash, but with all those free credit card points you’re going to generate by doing this deal!

About John Pham

John Pham is a personal finance expert, serial entrepreneur, and founder of The Money Ninja. He has also been fortunate enough to have appeared in the New York Times, Boston Globe, and U.S. News & World Report. John has a B.S. in Entrepreneurship and a Masters in Business Administration, both from the University of New Hampshire.

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Jennifer
Jennifer
5 months ago

You mentioned you are able to pay your mortgage with these cards. Please share how that works!

Nid
Nid
1 year ago

Is the fee free VISA at staples only for the $200 card? How about the $300 VISA card?

sheryl lord
sheryl lord
1 year ago

oh, and why would you still be advertising sales that ENDED, FIVE MONTHS AGO?

Dave
Dave
1 year ago
Reply to  sheryl lord

This sale hasn’t ended. Read the post. It comes back EVERY MONTH.

sheryl lord
sheryl lord
1 year ago

i have been trying everywhere to get 18 $25 gift cards, that can be used anywhere,as christmas gifts..but they all want to charge me to buy thier product. (purchase fee) i wasnt born yesterday. that is unacceptable, especially in biden’s economy. is there any gift card company that would want my business?

Dave
Dave
1 year ago
Reply to  sheryl lord

It’s unacceptable for companies to charge you money for a Visa gift card? I guess companies should give you things for free? Leave politics out of it.

Andrey
Andrey
2 years ago

The Staples ad for April 10-16 says $5 off, not fee free ($6.95)

Dinh
Dinh
2 years ago

My local Staples always runs out of the $200 visa gift cards before I have a chance to get to the store.

Jonathan M Lui-Kwan
Jonathan M Lui-Kwan
2 years ago

Darn! There are no Staple stores in Hawaii! Hopefully OfficeMax/Office Depot will have something similar.

JT
JT
2 years ago

If I get approved for Chase Ink business cash Visa card, do I need to report this on my IRS tax return? Does Chase notify IRS during tax time?

Amin Mohammed
Amin Mohammed
3 years ago

As far as you know do you have a business to qualify for Chase Ink Business Cash?

Kevin
Kevin
3 years ago

I wonder when the Chase 20% statement credit will show up again.

Miles Churner
Miles Churner
4 years ago

The Staples near me has a 1 card per customer per visit restriction. I can buy them every day, but they’re limiting people to 1 per visit. Sad.