Changes to the Way I Like to Use Gift Cards at Evolve Money

Please note this site has financial relationships with American Express and this post may contain affiliate links. Read my Advertiser Disclosure policy here to learn more about my partners.

Many avid miles and points collectors eventually find their way to the gift card aisle of various stores in order to increase the amount of money they spend on their rewards earning credit cards (to earn more points) without really spending more per month.  The gift cards purchased are usually liquidated in some way to get the money back out to then pay the credit card bills.  This used to be much easier, but is still in play even today.  Much of it is outside my own personal threshold (especially in large volumes) and I don’t write about it here as a result, but there are a few things that even I am comfortable with doing.

One thing I do personally feel comfortable with is buying Visa gift cards from various retailers such as office supply stores, grocery stores, gas stations, and even shopping malls with a rewards earning credit card that I am either working toward a minimum spending limit on or, or using to take advantage of an especially lucrative bonus category.  I then use those Visa gift cards to pay my own personal bills via the Evolve Money website.

There are over 10,000 bills you can pay on there that work with these Visa gift cards that essentially act as debit cards on that site.  Personally I pay some of our utilities and store credit card bills (think
J Crew and Pottery Barn type cards) each month on that site.  In my case we aren’t talking thousands and thousands of dollars per month, but we are talking enough to rack up a few thousand extra points per month for very minimal cost and effort.  It also makes hitting minimum spending limits much easier.

Some take this method much further than me and pay their mortgages and other big ticket items monthly on that site.  This typically required making multiple payments toward the same bill each month since gift cards amounts usually tap out at $200 or $500 (or occasionally $1,000).

Over the last couple months Evolve Money has been lowering the thresholds on what you can push through their system monthly and today I was alerted to a change kicking in September 1st that will allow only one payment per biller account per month.  They site changes in their risk and regulatory compliance policies as the reason, and promise to announce changes to improve the bill paying experience soon.  No, no more changes, please. 


Thanks to @C_Dubbs on Twitter for sharing this image.

Since I’m small potatoes at this I don’t have more than one payment per biller per month anyway, but I know that many of you do so just be aware of this new change in terms that kicks in very soon.  Best solution for now is just to buy large enough gift cards when possible to pay bills and then if there is a reminder pay it the old fashioned way by sending a check from BlueBird…or from your actual checking account.  Of course that strategy is not necessarily good with mortgage payments as many banks will not process multiple automatically into one monthly payment but instead treat them as direct payments of principle.

Are you using Evolve Money?  Will this change impact your monthly earning strategy?

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I just tried buying some Visa Gift cards with a credit card at Safeway grocery stores and they all said Cash only. (Staples came through for me though!)
    Then I loaded my Bluebird with those VGC and it worked. So I thought I tried to load just $50 with my Suntrust Delta debit card, it kept rejecting my pin… the same pin that I can use to withdraw my own money from a Suntrust ATM. Has anyone seen this happen?

  2. Juno I recently loaded $500 from my SunTrust debit card at Walmart without issue. Try resetting your PIN maybe?

    Has anyone received Delta miles from Evolve payments using the ST card? That would allow larger payments up to their limit of $999.

  3. I continue to have problems paying my utility bill that has an express pay option, it treats it as a future payment and fails every time. I can still pay my student loans though, as they don’t have that express option.

    • Dbest, I had that problem once but then was able to pay it when I did it on a weekday. Weekend was delaying the processing and causing failure for me.

    • If you not trying to use the express option the process is strange. You have to pick a date in the future (for one or two days usually). Pick the date that the card will be charged that day. When you pick the day it will tell you what day it will be charged to the card. I know it seems counterintuitive, but for same day VGC charges to be processed not as an expresss payment you have to go out a day or two. Try it and you will see what I am talking about.

  4. So VGCs can be loaded into a Bluebird account without any issues? But at a $200 per day/$1000 per month limit right? So if you had two $500 VGCs you’d have to do it over 5-6 days to get the whole $1000 loaded?

  5. Yeah, saw this in my email this morning. I paid my Wells Fargo mortgage successfully a number of times. And hey, it helped me hit minimum spend on 4 Citi AA Exec 100k cards. So oh well, another one bites the dust.

    • same here. had been paying $2k a month on my mortgage this summer. recently grabbed the Virgin card – planning to spend $15k for 105,000 points and use them for family Delta domestic travel… I am already planning to use the more known avenues to meet spend requirements on the 4 Chase Marriott cards my wife and I just picked up. Guess I am going to have learn which GCs the Wal-Mart machines take? Vanilla? Green Dot? NetSpend? PayPal? those 4 are available at my purchasing location…

Leave a Reply

Your email address will not be published. Required fields are marked *