Did you know that some Visa gift cards can give you money back just for using them? That's the idea behind the Five Back Program—a feature that gives you up to 5% of your purchase amount back on your gift card when you shop at select merchants. Here's everything you need to know about how it works, where you can use it, and how to maximize your rewards.
How the Five Back Program Works
Visa gift cards enrolled in the Five Back Program operate just like any standard Visa debit card. But there's one key bonus: when you shop at participating stores or restaurants, you'll receive up to 5% of the transaction amount credited back to your card—automatically.
Here's a quick breakdown:
- Use the Visa gift card like a debit card.
- Shop at a participating merchant.
- Get 5% of the purchase value added back to your card.
- The reward is usually applied within 48 hours.
No registration. No forms. Just swipe and earn.
Where You Can Use the Five Back Program
The program works at a wide variety of popular stores and restaurants. Here's a snapshot of major brands that participate:
Clothing & Apparel:
- adidas
- American Eagle / Aerie / Aeropostale
- Banana Republic, Gap, Old Navy
- Under Armour
- Sephora, Ulta Beauty
- Famous Footwear
- Journeys, Lane Bryant, Nautica
Dining & Restaurants:
- Bonefish Grill, Carrabba's, Outback Steakhouse
- Panera Bread, Lazy Dog, Red Robin
- Cracker Barrel, Fleming's, Legal Sea Foods
Entertainment & Travel:
- Topgolf, Dave & Buster's
- Regal, Cinemark
- Celebrity Cruises
- TripGift
Home & Lifestyle:
- Bath & Body Works, Yankee Candle
- Pottery Barn, west elm, Crate & Barrel
- Wayfair, Williams-Sonoma
- AutoZone, Guitar Center
...and many more! The list is regularly updated to include new merchants.
5 Key Rules to Know About the Program
1. Physical Cards Only
The Five Back feature only works on physical Visa Gift Cards bought after March 1, 2018 through participating sellers like GiftCards.com. Virtual cards, Mastercard gift cards, or branded store gift cards are excluded.
2. Enrollment Is Automatic
No need to sign up. If your Visa card qualifies, it's already enrolled. Cards bought before the March 2018 cutoff aren't eligible.
3. Rewards Apply at Participating Merchants Only
Your card still works everywhere Visa debit cards are accepted, but you'll only earn 5% back when shopping at listed Five Back merchants.
4. Bonus is Credited Fast
Once you shop at a qualifying location, the 5% bonus is usually added back to your card within 48 hours. If not, you can contact customer service.
5. Some Restrictions Apply
Like all Visa debit cards, these cannot be used at online gambling sites, adult content platforms, or for money transfers (like PayPal or Venmo).
Example: How It Works in Real Life
Let's say you have a $100 Visa gift card with the Five Back Program. You spend $40 at Ulta Beauty, a participating merchant.
✔️ Within 48 hours, $2.00 (5% of $40) is added back to your card.
Your new balance is $62 instead of $60—just for shopping somewhere you already like.
Why It Matters
The Five Back Program transforms a regular prepaid card into a low-maintenance rewards card—without needing to link bank accounts, sign up for points, or install apps.
It's especially valuable when:
- You give the gift card as a present (the recipient gets more value).
- You're planning a shopping trip and want passive rewards.
- You combine the 5% cashback with other discounts or coupons.
Where to Get These Cards
At GrizzlyCards.com, we partner with providers that support the Five Back Program so you always get more out of your purchase.
Look for Visa gift cards that mention:
- ✅ "Five Back" or "5% back"
- ✅ Issued after March 1, 2018
- ✅ Physical (not virtual) delivery
Want to save even more? Use our discounted card deals + Five Back combo for a stacked reward strategy.
Conclusion
If you're using a Visa gift card, you might be leaving money on the table. With the Five Back Program, you can earn 5% back at dozens of top retailers—just by shopping like you normally would. No sign-ups. No effort. Just automatic rewards added back to your card. Explore Five Back Visa gift cards now and start saving more today.
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