Replace 4/10/25: Some individuals have been complaining that AmEx playing cards don’t work whereas others are having success. MEAB notes that Pepper has two fee processors, and AmEx works with one (PayArc) however not the opposite (Stripe). Additionally famous there may be that the class has modified on one of many processors (PayArc) from Software program to Promoting. And so a number of the class bonus reviews talked about under is perhaps old-fashioned. You possibly can see present Pepper offers right here.
Pepper Rewards
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The Pepper Rewards app is a brand new app for getting present playing cards and getting money again. They provide a share again in Pepper factors when shopping for a present card from many manufacturers. This contains prime manufacturers like Walmart, Goal, Residence Depot, Lowe’s, Finest Purchase, Nike, Airbnb, Nordstrom, Chevron, Delta, Ikea, Instacart, Meijer, Big Eagle, Netflix, Texaco, Uber, and dozens extra. (Be aware: Amazon is now not a purchase order choice, although you’ll be able to nonetheless redeem for Amazon present playing cards.)
They use a complicated factors system the place every level is price 1/20 of a penny towards a future buy. However it’s simpler to simply assume by way of % again: retailers that present “3x factors” are 3% again in Pepper factors, retailers that present “15x factors” are 15% again in Pepper factors, and many others.
At the moment (8/1/24), many of the prime retailers like Amazon, Walmart, and Finest Purchase are between 2-4% again. Some smaller retailers will be as much as 8% again. On particular promotions we typically see 15% again or probably greater.
To make use of your Pepper Rewards, you should definitely click on the plus signal (+) at checkout, and proceed clicking the plus signal till all rewards are utilized. Pepper Reward factors expire after 60 days of inactivity.
$20 Referral Bonus
The signup bonus for brand spanking new members who enroll utilizing a referral code has modified. Beforehand it was double factors for 15 days whereas now it’s a flat $20 bonus after spending $200 (presumably the bonus offers you $20 in Pepper factors to make use of on a future buy). You possibly can triple dip by, (1) signing up with a referral code for a $20 bonus (my code is 584255), (2) assembly the spend with an Amex card that has the $15 low cost, and (3) shopping for present playing cards that are already on sale.
The referrer will get $20 price of Pepper factors. No referrals within the feedback under.
Our Verdict
At launch Pepper was providing 5% again on all manufacturers. In July 2024 they modified issues up and supply differing charges by service provider. There are occasions Pepper could be a nice deal, particularly for somebody on the brand new signup supply which doubles factors for 15 days.
Stories are that Amex Enterprise Gold to earn 4x if it’s certainly one of your prime 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 reviews are that it counts as On-line Searching 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.