Complete list of all 77 Zillions/Zifts bonus gift card redemption options

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[edit 10/12/2024: added a correction to the conclusion]

Earlier this week I wrote about the return of my favorite Just4U promotion: bonus points on “Online Exchange” cards, which can be redeemed online for a variety of electronic gift cards, which can then be used or resold. If resold, the loss you take on the face value of the card is the price you pay for a stack of Just4U points and the value of the cards in credit card spend.

Since the last time this promotion came around, I noticed some new card designs at Safeway branded with various combinations of the words “Zillions” and “Zifts.” These cards are, like Online Exchange, issued by Pathward, N.A., and distributed and serviced by our old friends at InComm financial services. I heard these cards were earning bonus points during the current promotion (ending Saturday, October 12, 2024), so I popped over to Safeway to pick one up and see how they work.

The two designs in my store were a “Zillions” card with a variable load amount up to $500 and a fixed value card that offered $105 in value for $100. Neither card, however, listed the merchants for whose gift cards the value could be redeemed, and the redemption website ZillionsGift.com infuriatingly does not list them until you enter a valid redemption code, so for the sake of my beloved readers I picked up a fixed value card and found out for myself.

The first thing I found out was that these cards are not earning the full 10 Just4U points per dollar under the current promotion; I earned just 800 points for my $100 card. My lightly-informed speculation is that the promotion is coded to add 8 points per dollar for a total of 10 points per dollar, since most gift cards earn 2 points per dollar year round. Since these cards are new, they may not be coded to earn that base 2 points per dollar, so during the current promotion they’re only earning the promotional 8 points. Again, that’s just my speculation based on many years of taking advantage of promotions like this. It may be a regional or brand difference instead; find out for yourself and let me know!

Complete list of fixed-value Zillions of Zifts gift card redemption options

Having acquired a redemption code, I plugged it into the redemption portal. Here are the current options for redemptions (they say these are subject to change and I don’t doubt them):

  • adidas ($5 - $500)

  • Aerie ($5 - $500)

  • Aéropostale ($5 - $500)

  • AMC Theatres ($5 - $200)

  • American Eagle ($5 - $500)

  • Applebee’s ($5 - $500)

  • Baby Depot at Burlington ($10 - $250)

  • Baker’s Square Gift Card ($5 - $500)

  • Banana Republic ($10 - $500)

  • Bass Pro Shops ($5 - $500)

  • Belk ($25 - $500)

  • Blaze Pizza ($5 - $250)

  • Bob Evans Restaurants ($15 - $500)

  • Build-A-Bear Workshop ($5 - $500)

  • Cabela's ($5 - $500)

  • California Pizza Kitchen ($5 - $500)

  • Carters & Oshkosh ($5 - $500)

  • Paramount+ ($25, $50)

  • Chart House ($10 - $500)

  • Chico’s ($10 - $500)

  • Chili’s Grill & Bar ($5 - $100)

  • Chuck E. Cheese ($5 - $250)

  • Columbia Sportswear Company ($5 - $500)

  • Dickey’s BBQ ($5 - $500)

  • Domino’s ($5 - $100)

  • DSW ($5 - $500)

  • Famous Dave's ($5 - $250)

  • Fanatics ($5 - $500)

  • Fandango ($25, $50)

  • GNC ($10 - $250)

  • GolfNow ($25 - $250)

  • H&M ($5 - $300)

  • IHOP ($5 - $200)

  • KingsIsle Combo Card ($10, $20)

  • Kirkland’s Home ($5 - $250)

  • Krispy Kreme Doughnut Corporation ($5 - $200)

  • L.L.Bean ($5 - $500)

  • Lane Bryant ($5 - $500)

  • Main Event ($25, $50)

  • Maurices ($5 - $500)

  • McCormick & Schmick’s ($10 - $500)

  • Michaels ($5 - $500)

  • Mix It Up ($5 - $200)

  • MLB Shop ($5 - $500)

  • Morton's The Steakhouse ($10 - $500)

  • NBA Store ($5 - $500)

  • NFLShop.com ($5 - $500)

  • NHL Shop ($5 - $500)

  • O’Charley’s ($5 - $500)

  • P.F. Chang’s ($10 - $500)

  • Rainforest Cafe ($10 - $500)

  • Regal ($5 - $100)

  • REI ($10 - $500)

  • Saks Fifth Avenue ($5 - $500)

  • Saks OFF 5TH ($5 - $500)

  • Saltgrass Steak House ($10 - $500)

  • Smashburger ($5 - $500)

  • Smoothie King E-Gift Card ($10 - $100)

  • Soma Gift Card ($10 - $500)

  • Spa & Wellness Gift Card by Spa Week ($5 - $500)

  • Sportsman’s Warehouse ($5 - $500)

  • Stitch Fix ($5 - $500)

  • Texas Roadhouse ($5 - $100)

  • TGI Fridays ($5 - $500)

  • The Children’s Place ($5 - $500)

  • Ulta Beauty ($5 - $500)

  • Under Armour ($5 - $500)

  • Village Inn Gift Card ($5 - $500)

  • Vudu ($25 - $100)

  • White House Black Market ($10 - $500)

  • Xbox Digital Gift Card ($15, $25, $50)

I did some spot checks on this list and found that CardCash buys Adidas gift cards for 80.5% of face value and Columbia gift cards for 82% of face value, which is relevant when deciding how much you’re willing to pay for your Just4U points.

Variable load cards have different options

When I first grabbed the bonused fixed value card I was hopeful that the variable cards would have the same list of merchants, but that doesn’t appear to be the case. Listed on the front of the variable cards are several merchants missing from this list:

Conclusion, and warning

[correction: I did not realize Bloomingdale’s cards have to be mailed in to CardCash, eliminating that as a liquidation option. The next best Gift of Choice card I’ve identified is Nordstrom Rack, which pays out 81.5% on CardCash.]

It’s good to stay on top of new gimmicks as they come along in this game, but for now these cards appear to be strictly inferior to the older “Gift of Choice” cards, at least if your plan is to liquidate them to cash through reselling. Both brands have an option that pays 82% on CardCash (Columbia in the case of Zillions/Zifts, Bloomingdale’s in the case of Gift of Choice). It’s true the $5 bonus on $100 Zillions cards increases your payout by a free 5%, but if Gift of Choice cards earn 10, 12, or 14 points per dollar then the higher rewards swamp the effect of the lower payout. If the rewards earned on both types were identical, on the other hand, then the 5% bonus would be decisive.

Finally, a word of caution: since I redeemed my $105 card this morning I have not received any communications from them, neither confirming the redemption nor, even more importantly, actually sending me the Columbia gift card I ordered. I can look up my order in their system, which has my correct e-mail address and the correct details for the order, so it hasn’t been lost, but it hasn’t found its way to me.

As always, if you can’t be without money as long as it takes to fight to get it back, then don’t spend it on travel hacking!