rewards points http://www.wisebread.com/taxonomy/term/12574/all en-US 9 Store Loyalty Programs That Are Worth It http://www.wisebread.com/9-store-loyalty-programs-that-are-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-store-loyalty-programs-that-are-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/target_shopping_cart_000035488722.jpg" alt="Learning which store loyalty programs are worth it" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you've never taken advantage of store loyalty programs, then it's time to start. If you frequently visit the same stores, then you deserve to be <a href="http://www.wisebread.com/9-pricing-secrets-grocery-stores-dont-want-you-to-know">rewarded for your purchases</a>. But not all rewards programs are the same. Some are more of a hassle than they're worth, while others are ultra-generous.</p> <p>Here are nine store rewards programs that are definitely worth your loyal dollars.</p> <h2>1. Starbucks</h2> <p>If Starbucks is a place that you visit frequently, then the <a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.225262&amp;fot=9999&amp;foc=1&amp;url=https%3a%2f%2fwww.starbucks.com%2fcard%2frewards" rel="nofollow">My Starbucks Rewards</a>&nbsp;program is a must. You can simply register online or download the app to your smartphone and accumulate points every time you visit Starbucks. There are different levels to the program, so the more you visit Starbucks, the more you will be rewarded. For instance, once you reach the gold level, every 12 drinks you purchase will earn you one free drink. You can even pay for your drinks using the app, and rewards members also receive exclusive deals and discounts throughout the month.</p> <h2>2. Target</h2> <p>Target offers its own unique apps to help shoppers find what they need faster, while saving more at checkout. Their Cartwheel app (available for <a href="http://goto.target.com/c/27771/103561/2092">Android</a> or <a href="http://goto.target.com/c/27771/103560/2092">iOS</a>) offers access to hundreds of coupons, which you can add to your mobile barcode to quickly scan at checkout. Additionally, <a href="http://goto.target.com/c/27771/99528/2092">Target's REDcard</a> saves 5% in-store and online, and you can still use all of your favorite coupons and money-saving apps along with it.</p> <h2>3. Sephora</h2> <p>Sephora's <a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.885673&amp;fot=9999&amp;foc=1&amp;url=https%3a%2f%2fwww.sephora.com%2fprofile%2fbeautyInsider%2f" rel="nofollow">Beauty Insider program</a>&nbsp;is perfect for anyone who frequently purchases beauty products. With this multi-level program, you will earn points for every dollar spent, which can later be used to purchase items in the store. As a Beauty Insider, you will also have exclusive access to special products, free in-store beauty classes, select promotions, free items from time to time, and even a free birthday gift. When you accumulate enough points, you may receive an invitation to the Beauty Insider VIB Program, which grants you access to exclusive events and specialty products. <em>U.S. News</em> and <em>Refinery29</em> selected this as the best loyalty reward program for makeup mavens.</p> <h2>4. CVS Rewards</h2> <p><a href="https://www.cvs.com/extracare/landing.jsp?t=mySavingRewards">CVS Rewards</a> offers its shoppers coupons, exclusive deals, and cash back to spend in the store. This program is unique because it tracks what you purchase to provide you with customized coupons that fit your shopping habits.</p> <h2>5. Best Buy</h2> <p>With the <a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.1372516&amp;fot=9999&amp;foc=1&amp;url=http%3a%2f%2fwww.bestbuy.com%2fsite%2fglobal-promotions%2fmy-best-buy%2fpcmcat309300050007.c%3fid%3dpcmcat309300050007%26type%3dcategory%26id%3dpcmcat309300050007" rel="nofollow">Best Buy Reward Zone</a>, shoppers are rewarded in a number of different ways. You can earn points for every dollar spent, receive exclusive offers and promotions, and have access to special events. The more you spend every year, the higher your status will be, which translates to even more money saved.</p> <h2>6. Safeway</h2> <p><a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.259769&amp;fot=9999&amp;foc=1" rel="nofollow">Safeway</a>&nbsp;has mastered the art of the grocery store loyalty program. Now, every time you save at the market, you can save at the gas station as well. That's because with Safeway's Rewards Points program, you can turn every point earned into a discount at Safeway and Dominic's, as well as most Mobil stations. Simply use your rewards card at checkout to earn one point for every dollar spent. Once you hit 100 points, you will earn $0.10 off per gallon of gas.</p> <h2>7. Century 21</h2> <p><a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=318965.7&amp;type=3&amp;subid=0">Century 21</a> is one of the largest retail stores, and with its delightful array of offerings, it can be difficult to leave with only what you came in for. This is why the C21 Status program is so beneficial to frequent shoppers. It allows you to earn cash back, as well as access to express checkout lines and exclusive discounts. <em>Refinery29</em> selected this as one of the best store loyalty programs.</p> <h2>8. Bloomingdale's</h2> <p>Bloomingdale's <a target="_blank" href="http://track.flexlinks.com/a.ashx?foid=1029882.1637099&amp;fot=9999&amp;foc=1&amp;url=https%3a%2f%2fwww.bloomingdales.com%2faccount%2fsignin%3ffromLoyalty%3dloyaltySignIn" rel="nofollow">Loyalist program</a>&nbsp;offers points for every purchase made and double points for cosmetics and fragrance purchases. For every 5,000 points, you receive a $25 gift card. If you make big purchases at Bloomingdale's, then these rewards will add up quickly, and you can save even more by signing up for a Bloomingdale's credit card as well.</p> <h2>9. Gilt</h2> <p><a target="_blank" href="http://www.kqzyfj.com/click-2822544-11438951-1441397967000" rel="nofollow">Gilt</a> offers a unique online-only loyalty program. You can earn points for things like visiting the site, making purchases, and connecting with the brand. The points can be redeemed for discounts, early access to sales, free shipping, and a variety of other goods and services.</p> <p><em>Do you know of any other store loyalty programs that are actually worth it? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/9-store-loyalty-programs-that-are-worth-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">30+ Cash Back Sites to Earn You Thousands Per Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-things-you-should-buy-at-costco">15 Things You Should Buy at Costco</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-should-never-buy-at-the-dollar-store-and-10-you-should">10 Things You Should Never Buy at the Dollar Store (and 10 You Should)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-cool-companies-that-pay-you-for-referring-friends">10 Cool Companies That Pay You for Referring Friends</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping deals free stuff loyalty programs rewards cards rewards points Tue, 22 Sep 2015 09:00:24 +0000 Andrea Cannon 1567320 at http://www.wisebread.com NFL Extra Points Card: Fumble or Touchdown? http://www.wisebread.com/nfl-extra-points-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/nfl-extra-points-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-with-football-tickets-iStock_000004519967Small.jpg" alt="couple with football tickets" title="couple with football tickets" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>The 2012 football season got off to a rocky start after the NFL locked out the referees. But now that the real refs have returned to the field, fans are renewing their passion for the grid iron. And with the World Series seeing its lowest television ratings ever, football can truly claim to be America's favorite game.</p> <p>But there is a problem for football fans.</p> <p>Teams play only eight regular season games at home compared to 81 baseball home games. This makes tickets incredibly hard to obtain and increasingly expensive. According to the <a href="https://www.teammarketing.com/public/uploadedPDFs/FINAL_%20NFL_FCI_2015.pdf">Team Marketing Report</a>, the average cost of an NFL ticket in 2015 is $85.83, assuming you can find one. But wait &mdash; Barclaycard offers its NFL Extra Points credit card that can earn rewards in the form of tickets to any regular season games and even the Super Bowl.</p> <h2>Why We Like This Card</h2> <ul> <li>10,000 sign-up bonus points</li> <li>Special financing on football ticket purchases</li> <li>20%&nbsp;discount at NFLShop.com</li> </ul> <h2>How the Card Works</h2> <p>NFL Extra Points cardholders earn rewards for spending in the form of points in the NFL rewards program. New cardholders will earn 10,000 bonus points after $500 in purchases in the first 90 days, redeemable for $100 cash back. After that, 1 point is earned per $1 spent on most transactions, with 2 points earned per $1 on NFL or team purchases, such as game tickets and merchandise purchased in-stadium and at team Pro Shops.</p> <p><strong>Sign up offer:</strong>&nbsp;Earn 10,000 bonus points after making $500 in purchases on the card within the first 90 days of account opening (enough to redeem for $100 cash back). Also, there's a 0%&nbsp;introductory APR&nbsp;for 15 months on balance transfers made within 45 days of account opening. (After that, a variable APR of 15.24%, 20.24%, or 25.24% will apply, based on your creditworthiness.)</p> <h3>Redeeming Points</h3> <p>When it comes time to spend your points, you have several options.</p> <p>3,550 points can be redeemed for a $25 gift card at the NFL shop. However, the same 3,550 points can be redeemed for one cent each as a credit on your statement (a &quot;statement credit&quot;), which is worth $35.50. Obviously, the statement credit makes more sense than the gift card. Here's where it gets interesting &mdash; two regular season game tickets cost 25,000 points, and two Super Bowl tickets cost 200,000 points.</p> <p>When I saw this, my first thought was that there must be some catch. Perhaps these are just prizes that cardholders are eligible to receive, but may not actually be available, just like so many frequent flyer mile awards? So instead of speculating, I reached out to my contact at Barclaycard to clarify:</p> <blockquote><p>Tickets to a game are available up to a week before the game. For regular season games, we disclose the specific sections of the stadium that are available for redemption for each team. For the Super Bowl, we do not guarantee specific locations &mdash; just that they will get a pair of tickets to the game.</p> </blockquote> <h2>Other Benefits</h2> <p>NFL tickets aside, this card does offer a handful of other valuable features:</p> <p><strong>Special financing on football tickets</strong>. When cardholders use this card to purchase tickets to football games from any participating NFL&nbsp;ticket team office, they will be eligible for a 0%&nbsp;promotional APR&nbsp;for six months from the purchase date. After that, a variable APR&nbsp;of currently 15.24%-25.24% will apply, based on your creditworthiness. No minimum purchase ticket amount is required.</p> <p><strong>20%&nbsp;off at NFLShop.com</strong>. All cardholders receive a 20% discount at NFLShop.com, which equates to a $20 discount off every $100 purchase you make.</p> <p><strong>Visa Signature benefits</strong>. As a Visa Signature card, NFL Extra Points cardholders are eligible for travel accident insurance, purchase protection policies, and a concierge program.</p> <p>As always, I strongly recommend against getting a rewards card if you do not plan on paying all of your balances in full. Those of us who have credit card debt should look for a product with the lowest interest rate and not be tempted to spend more to earn rewards.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>15.24%, 20.24%, or 25.24%&nbsp;(purchases and balance transfers)</li> <li>3%&nbsp;Balance Transfer Fee</li> <li>3%&nbsp;Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><b>Access to NFL tickets. </b>If having this card can get you into sold out games, or even the Super Bowl, a real football fan understands the value.</p> <p><b>Cash back rewards. </b>If in the end, your mortgage comes before your team, you can always cash out your rewards.</p> <p><b>Perks. </b>Don't discount the NFL store discounts, especially as this card has no annual fee.</p> <p><b>Sign up bonus. </b>10,000 points is worth at least $100 cash back. This is not an incredible sign up bonus, but it is respectable for a card without an annual fee.</p> <h2>Cons</h2> <p><b>Only one point per dollar on most purchases. </b>This nominal rate of rewards is like getting 1% cash back. Other cards offer bonus points for gas, groceries, or other common purchases.</p> <p><b>Stupid gift card option.</b> I still can't believe that a $25 NFL gift card is 3,550 points. Why not just redeem the same points for $35.50?</p> <p><b>Unsure Super Bowl seats. </b>Before I go on a quest to earn 200,000 points for Super Bowl tickets, it would be nice to know approximately how good those seats will be.</p> <h2>Who This Card Is Best For</h2> <p>Since there is no annual fee for this card, it may be tempting to conclude that cardholders have nothing to lose for applying. Instead, you should consider what other rewards you could have earned if you spend the same amount of money on a different reward card. For example, $25,000 of spending on another card could earn $250 in cash back or a domestic round trip airline ticket instead of two NFL tickets. But if you would rather have two NFL tickets, then this is the card for you. Likewise, $200,000 of spending could earn enough frequent flier miles for two round trip business class tickets to Europe rather than two Super Bowl tickets. Again, the choice is yours.</p> <p>If NFL regular season and Super Bowl tickets were widely available for purchase at regular price, this would be a terrible card. But since these are some of the most sought after and expensive tickets in the world of sports, this credit card can represent an excellent way for NFL fans to attend the game of their choice.</p> <p><strong><a href="http://www.wisebread.com/topic/personal-finance/credit-cards?ref=review">Back to the Credit Card Guide</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/nfl-extra-points-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-new-travel-rewards-card-on-the-block-barclaycard-arrival-plus-world-elite-mastercard">The Best New Travel Rewards Card on the Block: Barclaycard Arrival Plus World Elite MasterCard</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/crowdsourcing-experiment-barclaycard-ring-mastercard">Crowdsourcing Experiment: Barclaycard Ring MasterCard</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/barclays-us-airways-premier-world-mastercard-review">Barclays US Airways Premier World MasterCard Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-secured-credit-cards">The 5 Best Secured Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-rewards-more-benefits-the-jetblue-plus-card">More Rewards, More Benefits: The JetBlue Plus Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards barclaycard barclays credit card review points program rewards points Super Bowl Fri, 09 Nov 2012 10:36:54 +0000 Jason Steele 955656 at http://www.wisebread.com Maximizing Rewards Programs with Points.com http://www.wisebread.com/maximizing-rewards-programs-with-pointscom <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/maximizing-rewards-programs-with-pointscom" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-credit-card-451830759-small.jpg" alt="couple credit card" title="couple credit card" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I don't fly or travel frequently enough to make the most of rewards points, but I still like <em>earning</em> them with the notion that someday I might be able to take advantage of them. However, I recently found out that most of my frequent flier rewards points had expired, and that made me angry! Although I accrued them for &quot;free,&quot; I would have liked the opportunity to use some of them even if they didn't equate to a rewards ticket. (See also: <a href="http://www.wisebread.com/perform-a-credit-card-rewards-annual-review" title="Perform a Credit Card Rewards Annual Review">Perform a Credit Card Rewards Annual Review</a>)</p> <p>While I was checking on all of my points through various websites many years ago, I grumbled to my husband how nice it would be to manage the different rewards programs through one website. Of course, I wasn't the only one to think about how convenient that would be: <a href="http://www.anrdoezrs.net/click-2822544-10485462">Points.com </a>created a website that does just that and more. Points.com actually offers alternatives for those of us who never accrue enough points to make the most of our benefits! I know I'm a bit late to the party since this service has been around a few years now, but I recently signed up and was amazed at how easy it was to view all of my remaining points throughout various programs.</p> <h2>Easy to Use</h2> <p>With just a quick email and password to sign up for a new account, I located most of my rewards and loyalty programs through their &quot;Add Programs&quot; widget in their right sidebar. Since most <a href="http://www.wisebread.com/5-tips-for-scoring-a-frequent-flyer-rewards-flight" title="5 Tips for Scoring a Frequent-Flyer Rewards Flight">frequent flyer</a> and <a href="http://www.wisebread.com/the-best-credit-cards-for-budget-hotels" title="The Best Credit Cards for Budget Hotels">hotel rewards programs</a> only require an account or member number and a password, I didn't feel like I was divulging all of my personal information in one place when I entered my information for each program. Within a few seconds, Points.com was able to connect to most of my individual accounts and show me my most recent points summaries, or at least the points I had remaining in each of my programs.</p> <h2>Make the Most of Your Points</h2> <p>Out of a possible 104 rewards programs listed on Points.com, each program has a &quot;Learn More&quot; link that shows what you can do with each program on their website. For example, Aero Mexico's Premier Rewards program allows you to track and earn points through Points.com. Tracking points is easy since Points.com automatically pulls the rewards information directly from the Aero Mexico website. But Points.com also lists additional ways to earn points besides booking a flight, such as renting a car or reserving a specific hotel.</p> <p>The most beneficial service Points.com offers for me is their redeem option. I can redeem a select group of rewards program points for gift cards to various vendors. From Amazon.com gift cards to Starbucks gift cards, I can select one of my rewards programs that offers redemptions from a drop down menu and choose a dollar amount. Points.com will calculate how many rewards points I need to purchase the gift card. Of course, not all of my rewards programs offer this feature, but for those that do, I no longer have to worry about unused points.</p> <h2>Swap and Trade with Others</h2> <p>Another feature of Points.com is the ability to share, swap, and trade points with other Points.com members and between existing rewards programs. I haven't tried exchanging points with any other members yet, and there are some limitations depending on the individual rewards program, but it's another alternative to help make the most of my points in any one account.</p> <p>In the past, I've swapped points between individual rewards programs to take advantage and utilize rewards points. Making these transfers on one website is convenient, and I can track all of my transactions through my account history.</p> <p>The few drawbacks that I came across while adding my accounts through the site were fairly minor and wouldn't discourage me from using this program in the long run. They have partnered with 14 hotel rewards programs, which covers the majority of hotel chains. However, a popular hotel chain that is absent from their list is Marriott, which I happen to be a member of. I also experienced a small problem with registering my American Airlines AAdvantage; the site kept timing out and wasn't able to register my account at all. However, registering my remaining accounts was successful, so it could just be a temporary glitch.</p> <p>All in all, now that I've realized I can keep track of all of my points online, I look forward to maximizing those rewards programs to my benefit, instead of watching them expire.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/little-house">Little House</a> of <a href="http://www.wisebread.com/maximizing-rewards-programs-with-pointscom">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-i-hate-credit-card-points">Why I Hate Credit Card Points</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-s-on-your-travel-bucketlist">What’s on Your Travel #BucketList?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">5 Best Travel Reward Credit Cards</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/more-rewards-more-benefits-the-jetblue-plus-card">More Rewards, More Benefits: The JetBlue Plus Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel frequent flyer miles reward cards rewards points Fri, 10 Dec 2010 13:00:10 +0000 Little House 371197 at http://www.wisebread.com 10 Financial Perks of Marriage http://www.wisebread.com/10-financial-perks-of-marriage <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-financial-perks-of-marriage" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/99127128_7059dacbf5_z.jpg" alt="wedding" title="wedding" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Have you heard the stories about how finances are one of the leading causes of divorce? What exactly are people arguing about? Being married actually has some pretty good financial perks!</p> <p>I don't mean to downplay the financial challenges of married life. We've had our share of heated discussions over money; but there are some definite benefits to pooling together your resources in marriage. Here are ten ways that you and your spouse are hooking each other up. (See also: <a href="http://www.wisebread.com/8-tips-for-planning-a-last-minute-wedding" title="8 Tips for Planning a Last-Minute Wedding">8 Tips for Planning a Last-Minute Wedding</a>)</p> <h3>1. Employer benefit options</h3> <p>If you're both working, you have access to each other's employee benefit plans. You can mix and match between the two to pick the best fit for your family. If one spouse loses their job, they can fall back on the other's benefits. If only one spouse is working, then the obvious benefit is that the non-working spouse has access to benefits.</p> <h3>2. Multi-car auto insurance discount</h3> <p>As a married couple, you have the added benefit of being able to add multiple cars to one insurance policy. This multi-car discount can help you <a href="http://www.wisebread.com/4-tips-to-save-on-car-insurance">save money on car insurance</a>.</p> <h3>3. One rent/mortgage payment</h3> <p>For those who live separately before getting married, the notion of combining homes or apartments is one of the best financial perks of marriage. By consolidating to a single mortgage or rent payment you can save hundreds of dollars each month.</p> <h3>4. One utility bill</h3> <p>Similar to making only one rent or mortgage payment, married couples enjoy the added advantage of having to only make a single payment for their utility bill. When you take away a whole set of water, gas, electric, and trash bills you'll definitely save money each month.</p> <h3>5. One insurance bill</h3> <p>See a pattern here? Consolidating to one set of bills can really make a difference. Not only are you getting rid of an insurance bill, now you're covering all the same stuff with only one deductible instead of two.</p> <h3>6. One set of furniture/appliances</h3> <p>When married couples move in together, they often downsize their furniture and appliances to only one set. Not only does this mean less to take care of and maintain, you can also make decent money by selling your furniture and appliances.</p> <h3>7. Fewer property taxes</h3> <p>This one only applies if you owned a house or apartment before getting married. Since marriage usually means moving in together, you only have to pay property taxes on a single property instead of two.</p> <h3>8. One tax return</h3> <p>Filing your taxes can cost a chunk of change if you hire an accountant. If you file jointly, suddenly you have one tax prep bill instead of two. It won't save you as much if you're just using tax prep software, but it still saves you at least an e-file.</p> <h3>9. More valuable rewards points</h3> <p>If you use a rewards credit card with a tiered reward structure, having both spouses using the same account can boost you into the higher tier of rewards more quickly. For example, we share a credit card where the higher tier means 5% cash back instead of 1% &mdash; a big difference.&nbsp;</p> <h3>10. Spending accountability</h3> <p>While everyone likes to splurge on purchases every once in a while, doing so too often can put a big dent in your bank account. If you know your spouse is going to see a big charge on your card or debit from your bank account you may be less likely to spend money on something you don't really need.</p> <p>It's not just the fear of being quizzed by your spouse about a big bill that keeps you honest with your money. Having to share the same financial resources means you're more likely to discuss spending ahead of time and make shared decisions. That other voice of reason can sometimes help save you from bad money choices.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ben-edwards">Ben Edwards</a> of <a href="http://www.wisebread.com/10-financial-perks-of-marriage">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/does-your-kid-need-an-ira">Does Your Kid Need an IRA?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-money-saving-tricks-to-know-before-buying-an-engagement-ring">12 Money-Saving Tricks to Know Before Buying an Engagement Ring</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-protect-your-business-during-a-divorce">5 Ways to Protect Your Business During a Divorce</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/could-a-divorce-improve-your-finances">Could a Divorce Improve Your Finances?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-stop-your-spouse-from-overspending">4 Ways to Stop Your Spouse From Overspending</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family auto insurance marriage rewards points taxes Thu, 07 Oct 2010 14:00:06 +0000 Ben Edwards 256528 at http://www.wisebread.com