Getting 5x Points on My Baby Purchases

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Three months in and a lot of money spent! Well it is no surprise that babies cost lots, but I had no idea how much sh$t they actually need, or I assume they need. I’ll try anything and everything if another mom tells me it works. And then of course we need duplicate stuff to leave at Grandma and Grandpas. I never realized how much space such a little person needs! Lucky though I’ve been getting 5x points all all my purchases. While I’d still rather not spend all the money required, at least I am getting points for it, right?!

Since there is a Staples store only a few blocks a way from where I live I’ve been stocking up on Bed Bath & Beyond gift cards. I now have both the Chase Ink Bold and Chase Ink Plus credit cards and with both those cards I get 5x points at all office supply stores, i.e., Staples, Office Depot, Office Max. To date, I’ve purchased about $500 in Bed Bath & Beyond gift cards. This means I’ve earned 2,500 points (2,000 points more than just using my credit card directly at the store).

For those that were not aware, Bed Bath & Beyond is part of the same parent company as BuyBuyBaby (like a Toys “R” Us). So I can use Bed Bath & Beyond gift cards at BuyBuyBaby with no problem. With my Chase Ultimate Reward points (the points earned with the two Chase Ink cards), I like to get a minimum value of 2 cents per point. And that is a minimum, just recently I redeemed for about 3 and a half cents per point. With this redemption, my $500 gift card purchase is giving me back about $80 to spend on future travel.

To get even more value out of the gift card, you can also purchase the Bed Bath and Beyond gift cards via While many gift card purchases via tack on a service fee of $1.99, it might be worth it. These gift cards come in increments of $50, $100, $150, and $200. So purchasing two $200 gift cards and a $100 gift card will cost an extra $5.97. The reason why some would opt to purchase online is that you can go through an online shopping portal first and get additional points through your purchase. If you were to go through the Ultimate Rewards shopping portal for this purchase you’d get an extra 3 points per dollar spent. So a $505.97 purchase will earn you 1,517.91 bonus points that you wouldn’t get if you were to make the purchase in store. With my 3 and a half cent redemption that I just got, to me those points are valued at $50. Definitely worth the extra $5.97 in fees. But remember, everyone values there points differently so it depends on how you redeem your points.

All in all, the $500 gift card purchase when done online will give me (based on my redemption patterns) a rebate of about 25% back to use on future travel (on Chase UR partners). While prices are typically cheaper, BuyBuyBaby will price match (as will many stores, so make sure to always ask!) and the return policy is really really good (they take back pretty much everything!).

This is just one example of how to get 5x points on purchases. Staples has a variety of gift cards to purchase (as well as Office Depot) so you can essentially get 5x points at many merchants. Here is a small sampling – Marriott, Southwest, TJMaxx, Panera Bread, Banana Republic, Home Depot, etc…

Also, if you are new to the Chase Ultimate Rewards program and want to learn more about the 5x points earned at office supply stores, you can read this prior post.

Key Links:

  • Chase Ink Plus card: Get 60,000 points after you spend $5,000 within the first 3 months; $95 annual fee waived the first year. Application link.
  • Chase Ink Bold card: Get 60,000 points after you spend $5,000 within the first 3 months; $95 annual fee waived the first year. Application link.

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  1. Another option would involve signing up for Amazon Mom where you can get up to 20% off certain baby-related items. Also look into subscribe and save items, like diapers etc.

  2. I am lucky to have a Staples right next to my BuyBuyBaby so I’ve been taking advantage of this tactic for awhile now – (my kid just turned 2). I never thought of using the UR online portal though. Are you saying that I would get 8:1 points, and this is definitely good for Bed Bath gift cards? Small fee sounds worth it.

  3. Oh no, this post is about 2 days too late. I just ordered from Buy Buy Baby for my daughter’s-in-law baby shower. Hmm, I’ll see if I can stop the shipment. Thanks for the heads up next time.

  4. Did I miss the announcement? Big congrats to you!! 🙂
    Just wait, you’ll buy a LOT more in the next few months, and after the baby comes. We’ve been buying Amazon gift cards as well at Staples.

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