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forum threadcelinewww posted Dec 07, 2025 12:25 AM
forum threadcelinewww posted Dec 07, 2025 12:25 AM

Deal Stack: 10% Off Target Gift Cards Using PayPal + Chase Freedom(5% Cashback)

Target
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Target is running its 10% off Target gift cards promo.
If you pay using PayPal and use your Chase Freedom/Freedom Flex (5% back on PayPal in Dec.), you stack both deals.
10% off at Target
5% cashback with Chase Freedom card via PayPal
= ~14.5% effective savings
Buy $500 in gift cards → pay $450 → earn $22.5 cashback → $427.5 for $500 in Target value.
Easy stack. Perfect for holiday shopping.
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Target is running its 10% off Target gift cards promo.
If you pay using PayPal and use your Chase Freedom/Freedom Flex (5% back on PayPal in Dec.), you stack both deals.
10% off at Target
5% cashback with Chase Freedom card via PayPal
= ~14.5% effective savings
Buy $500 in gift cards → pay $450 → earn $22.5 cashback → $427.5 for $500 in Target value.
Easy stack. Perfect for holiday shopping.

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41 Comments

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Dec 07, 2025 03:52 AM
365 Posts
Joined Jul 2018
puncturepremiumDec 07, 2025 03:52 AM
365 Posts
Quote from rbdchi :
I just used this Paypal through Chase deal to buy a gift card a couple days ago and got slammed with a $10 transaction fee from Chase. Apparently Paypal uses a cash advance to process some transactions like these, which Chase is happy to charge more for. I don't know if the culprit is Paypal or Chase, but I'll be avoiding using Paypal for gift cards going forward. Super shady.
What was the store's name?
Dec 07, 2025 04:14 AM
10 Posts
Joined Dec 2024
LatinaTicaDec 07, 2025 04:14 AM
10 Posts
Quote from nlgrpn14 :
Great deal. UGH, but I just saw this after buying $360 worth of cards.
Me too :-(
Dec 07, 2025 04:19 AM
14 Posts
Joined Sep 2014
rbdchiDec 07, 2025 04:19 AM
14 Posts
Quote from puncturepremium :
What was the store's name?
It was Noodles and Company. I bought a $50 gift card using PayPal and got a nice $10 extra thank you charge from Chase for my purchase. I've used this PayPal through Chase for years. First time this happened, but I haven't used it for gift cards before that I remember.
1
Dec 07, 2025 05:00 AM
1,900 Posts
Joined May 2004
ECarlsonDec 07, 2025 05:00 AM
1,900 Posts
Thanks. Got $500 with both discounts again this year.
Dec 07, 2025 05:35 AM
212 Posts
Joined Oct 2019
GamerLGDec 07, 2025 05:35 AM
212 Posts
Quote from rbdchi :
It was Noodles and Company. I bought a $50 gift card using PayPal and got a nice $10 extra thank you charge from Chase for my purchase. I've used this PayPal through Chase for years. First time this happened, but I haven't used it for gift cards before that I remember.
This sounds like merchant/paypal problem rather than Chase problem. It sounds like you got charged $10 for cash advance, some merchant/paypal mix are coded as cash advance, so you got charged cash advance fee. I used Chase/Paypal through Google Pay for a starbuck GC, and I didn't not experience additional charges. This is like 3 days ago.
Dec 07, 2025 05:41 AM
14 Posts
Joined Sep 2014
rbdchiDec 07, 2025 05:41 AM
14 Posts
Quote from GamerLG :
This sounds like merchant/paypal problem rather than Chase problem. It sounds like you got charged $10 for cash advance, some merchant/paypal mix are coded as cash advance, so you got charged cash advance fee. I used Chase/Paypal through Google Pay for a starbuck GC, and I didn't not experience additional charges. This is like 3 days ago.
Agreed. I don't believe this should be the case for all gift cards. But since it's impossible to predict in advance of purchase, for me, I'm going to avoid the hassle going forward.
Dec 07, 2025 05:41 AM
9 Posts
Joined Nov 2016
rohit421Dec 07, 2025 05:41 AM
9 Posts
Does this stack with the PayPal, pay in 4, 20% CB deal?

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Dec 07, 2025 06:18 AM
1 Posts
Joined Apr 2023
PurpleRoom8265Dec 07, 2025 06:18 AM
1 Posts
PayPal Debit Card Earn 5% cash back. People on the internet said they get 5% cash back from Walmart and Target under grocery category. Will it work on this deal?
Dec 07, 2025 07:43 AM
1,297 Posts
Joined Nov 2015
kjvmartinDec 07, 2025 07:43 AM
1,297 Posts
Quote from Inbox :
What do you buy so much of at target? Do you get free shipping on small amounts if you pay with target giftcard? Or do you have to use gift cards along with a red card to get free shipping below $35? Sounds like a hassle. Since I'm mostly shopping online, seems like less deals upfront at target. As opposed to getting cashback rewards… haven't even been able to use up the few reward points before they expire. No more deals on Signing up for red cards?…When will their iPads be on sale again? Totally missed all last week sales
Diapers.
Dec 07, 2025 07:59 AM
12,840 Posts
Joined Dec 2004
kensteeleDec 07, 2025 07:59 AM
12,840 Posts
Quote from PurpleRoom8265 :
PayPal Debit Card Earn 5% cash back. People on the internet said they get 5% cash back from Walmart and Target under grocery category. Will it work on this deal?
yes it should
Dec 07, 2025 07:59 AM
12,840 Posts
Joined Dec 2004
kensteeleDec 07, 2025 07:59 AM
12,840 Posts
Quote from rohit421 :
Does this stack with the PayPal, pay in 4, 20% CB deal?
no because that promo is over
Dec 07, 2025 08:00 AM
182 Posts
Joined Jan 2024
SlicknetsDec 07, 2025 08:00 AM
182 Posts
Quote from rohit421 :
Does this stack with the PayPal, pay in 4, 20% CB deal?
Stack? Didn't that end days ago?
Dec 07, 2025 08:12 AM
1,699 Posts
Joined Dec 2010
matrix5kDec 07, 2025 08:12 AM
1,699 Posts
Quote from dvdrdiscs :
Or pay with a target card instead of PayPal for an instant 5% off
The Red card does not give 5% off gift cards...
Dec 07, 2025 08:15 AM
1,699 Posts
Joined Dec 2010
matrix5kDec 07, 2025 08:15 AM
1,699 Posts
Quote from Eatingadventure88271 :
TARGET sells nothing but overpriced junk. 15% off does not even cover half of their 500% markup. the store is well on its way to bankruptcy.
Some people have kids. Target sells diapers and baby food.

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Dec 07, 2025 09:25 AM
292 Posts
Joined Feb 2018
feng.liyifanDec 07, 2025 09:25 AM
292 Posts
Pay in 4 get 20% ended days ago

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