Pepper: Get 10% Factors Again on Amazon & Sam’s Membership; 12% Lowe’s; 15% Chipotle (Stack With AmEx Supply)

The Supply

Pepper app is providing the next offers:

1. Get 10% again in factors on Amazon with no restrict; provide legitimate February 6 by means of February 20
2. Get 10% again in factors on Sam’s Membership with no restrict (these are the identical as Walmart reward playing cards); provide legitimate February 6 by means of February 20
3. Get 15% again in factors on Chipotle with no restrict; provide legitimate February 6 by means of February 20
4. Get 12% again in factors on Lowe’s with no restrict; provide legitimate February 6 by means of February 20

The usual Pepper factors will probably be immediately accessible and the bonus Pepper factors will probably be awarded for many of those offers on 2/27/25. You may see these offers in your messages tab or notifications tab. Ensure that you need to see the bonus mirrored on the checkout display screen; offers would possibly promote out early.

The Pepper factors system is complicated, so let’s give an instance: Let’s say, for instance, that Pepper is providing 10x on Amazon. In the event you purchase $100 in Amazon reward playing cards, you’ll get 8,000 factors immediately (4x) which is price $4 towards your subsequent buy; that’s 4% again. In a couple of weeks, you’ll get a further 12,000 factors which is price $6 and is similar as 6% again. Altogether, you’ll find yourself with 10x again will is similar as 10% again. It’s simpler to simply keep away from enthusiastic about the factors totals and deal with the ‘x’ again since that’s the similar quantity because the % again you’ll be getting (1x = 1% again; 10x = 10% again).

You’ll see a tab within the app known as ‘Factors Historical past’ which is able to clearly present which factors have posted and which factors are pending. 

Our Verdict

This stacks properly with the AmEx Supply to get $30 again on $75 spend.

Understand that for many of those offers the bonus factors gained’t be accessible for a couple of weeks, and it’s not price shopping for except you may handle the danger of one thing going incorrect with the bonus factors posting a couple of weeks down the road.

Experiences are that Amex Enterprise Gold  to earn 4x if it’s considered one of your high two classes as a part of the Pc Software program class. And it counts as Pc Software program class for BofA Personalized Money Rewards playing cards for 3%/5.25% and for 1.5x on the Enterprise Platinum card. And stories are that it counts as On-line Purchasing for BofA playing cards and Blue Money card and ShopYourWay card and the legacy Citi AT&T card. And reportedly it counts as Tech for five% on the Paypal debit card.

Observe: Whereas there isn’t a restrict to most of those offers, you is likely to be restricted in general portions that may be bought from Pepper in a day. For instance, you would possibly solely have the ability to purchase $2,000 or one other quantity till the app stops you. It’s generally potential to extend limits by calling in and verifying. And also you would possibly have the ability to purchase once more the following day as your limits reset.

Folks have more and more been reporting points (since December 2024) with getting in touch with Pepper reps when points come up. There have additionally been instances when folks have had points logging in; subsequently, I’d advocate screenshotting and copying the reward card data instantly. I’d additionally advocate utilizing up the Pepper factors shortly to be protected.