<prompt> Human: There is a thread over in rULPT about using your Discover card to buy stuff from Amazon for 5 cash back, then returning the items for store credit so you get the full amount back in Amazon gift cards the 5 cash back.I have tried over and over to explain to them how stupid this is. Its just a 5 discount on Amazon, but people keep saying its FREE MONEY! In this sub, I feel like an idiot. Thats why I like it here. You guys know your stuff, and I like to learn from people who are smarter than me. But my honest question here is, how is this in any way a good idea? What am I missing? It seems like they are just converting liquid cash to amazon gift cards for 5 cash return. It makes no sense in my mind, I am wondering if there is anyone who can explain it so it does.  <response>: Youd have to ask rchurning, but Im pretty sure you get the 5 even when buying Amazon gift cards outright.. so why bother with the hassle of buying items and returning them? 