If you are going to purchase a FAR item and have a MC and the $5/20 you should wind up with an overage. This is a good place to buy a few grocery items or other sale items you need for free!
I have built up a good amount on my Walgreens gift card this way and so I should have no OOP and the gift card will get credited with more $$ after I submit my monthy FAR items. I can use that $$ for next months items.
I have been able to purchase some gift items this way, especially stocking stuffers, without spending any $ OOP. This really helps keep the Christmas budget down.
You can get the coupon here.
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