cash back http://www.wisebread.com/taxonomy/term/328/all en-US The Easy Way to Save Up a Big Travel Budget http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-easy-way-to-save-up-a-big-travel-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-516262792.jpg" alt="Woman learning how to save up a big travel budget" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Traveling is an undeniably amazing experience, but as with so many of the finer things in life, it does come with a price tag attached. Cost is unfortunately one of the biggest factors that prevents people from traveling.</p> <p>However, if getting to see the world is a serious goal of yours, this may be the perfect time to renew your focus on savings so that you can afford to pay for your wanderlust. (See also: <a href="http://www.wisebread.com/15-easy-ways-to-save-for-your-dream-vacation?ref=seealso" target="_blank">15 Ways to Save for Your Dream Vacation</a>)</p> <h2>Set a goal and deadline</h2> <p>To help you get motivated to save more, set a clear goal and a timeline. The more specific the goal, the better, since it will allow you to visualize your trip and get excited about it. For instance, if you've dreamed about taking a trip to Europe for years, decide on your top destinations and how long you want the trip to last. That will help set a ballpark budget figure to aim for.</p> <p>Next, attach a savings deadline &mdash; for example, decide that you will buy your plane tickets within the next six to 12 months. Don't give yourself much more time, or you'll lose the urgency to put money away <em>now</em>.</p> <p>Having this type of a clear savings goal will help you stay motivated and make your trip feel more like a reality and less like a distant dream. It will also give you a schedule for your savings, allowing you to calculate how much you need to set aside each month to be able to afford your upcoming trip.</p> <h2>Slash unnecessary spending</h2> <p>Your goal will help you find the motivation to make some of the sacrifices that come with putting more money toward savings. You will want to shift your mindset from the short-term gratification of an immediate purchase (whose charm almost always wears off quickly) to the long-term gratification that comes from an experience that will leave you with memories for a lifetime.</p> <p>You may be surprised to realize how much of your spending is discretionary. Think of anything you are spending money on that you could live without. For instance, you can save a lot of money by cooking for yourself, instead of going out to eat. Even less-than-fancy meals at restaurants like Panera or Chipotle can cost $7 and up. If you indulge in this convenience three times a week, you're spending $84 a month. Substitute each of those meals with frugal home cooked meals and save.</p> <p>A car can be a significant expense, so if you can do without it you are setting yourself up for big savings. According to AAA, it costs the average American car owner around $8,558 to own and maintain their vehicle each year (this includes $3,759 in depreciation but doesn't include car payments). Even if you factor out the depreciation, that still means Americans are averaging $4,799 a year just to run our cars.</p> <p>In contrast, Numbeo.com reports the average cost of a monthly transport pass in the United States is around $70, or $840 a year. If you live in an area with good public transportation, you could potentially pocket more than $3,900 a year by giving up your car.</p> <p>If you can't completely forego having a car, you could still reduce your transportation expenses by driving less often. Walk, bike, carpool, or take public transportation instead. You'll not only save on gas, but also parking.</p> <p>Need inspiration to cut costs? Consider this woman from the U.K. who essentially <a href="http://www.telegraph.co.uk/women/life/buy-nothing-year-one-woman-saved-22000/" target="_blank">spent nothing for an entire year</a>. While that may sound drastic, her savings while living in notoriously expensive London added up to nearly $27,000. Even half that amount would make a significant travel budget.</p> <h2>Work more, spend less</h2> <p>During one six-month period of my life I saved $12,000, which then allowed me to travel comfortably for the next six months without any income. I was able to do this by ensuring that my costs were as low as possible</p> <p>I split a $500 studio apartment with a roommate, so my rent was only $250 a month. Living quarters were cramped, but I was hardly ever there. I worked three jobs so I could make more money (around $2,500 a month). My 50-60 hours-a-week work schedule also meant that I had less time to spend my earnings.</p> <p>I was able to keep grocery costs to $100 a month because I was working in the food industry at the time. My other main costs were gas ($50 a month), and the cheapest cellphone plan I could find ($30 a month).</p> <p>For fun, I mostly did free activities, taking advantage of the fact that I lived in the mountains in California. I could go hiking and biking for free and there were often free concerts in the evenings. When I needed new clothes for work, I would get them from the local thrift store for $10&ndash;$15.</p> <h2>Get rewarded for your purchases</h2> <p>There are many ways to use various types of credit cards so that you get rewarded for your necessary expenditures. Especially for major expenses such as gas, groceries, and plane tickets, selecting the appropriate credit card can help you save a significant amount of money. (See also: <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year?ref=seealso" target="_blank">How to Save an Extra $1,095 a Year</a>)</p> <h3>Grocery credit card</h3> <p>Groceries are a big expense for most people. Since you can't avoid spending at least something on groceries, you may as well get rewarded for your spending. Use a credit card that gives you extra rewards points for every dollar you spend at supermarkets. (See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso" target="_blank">5 Best Credit Cards for Groceries</a>)</p> <p>You may even be able to stack rewards by using a loyalty card from the supermarket chain where you do most of your shopping. Often these loyalty programs offer you cash discounts that can help cut your overall grocery bill.</p> <h3>Gas credit card</h3> <p>If you just can't live without a car, you can still save on the cost of gas by opening the right credit card. Cards that are co-branded with a particular gas station give you discounts at the pump, usually a few cents per gallon. These cards tend to have high interest rates, though, so if you tend to carry a balance, you'll usually be better off with a rewards credit card that gives you bonus points for purchases made at gas stations. If fuel is one of your bigger expenses, it's worth opening a gas rewards card. (See also: <a href="http://www.wisebread.com/5-best-gas-rewards-credit-cards?ref=seealso" target="_blank">5 Best Gas Rewards Credit Cards</a>)</p> <h3>Travel credit card</h3> <p>Although you may not be traveling a lot while you save up for your big trip, it's worth getting a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel rewards credit card</a> well in advance of your trip. By using your travel card for everyday purchases, you can rack up points toward free flights or hotel stays when it comes time to hit the road. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to a Free Vacation in 9 Months or Less</a>)</p> <p>What's more, most travel cards offer significant <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal">points bonuses</a> when you spend a certain amount within the first few months after opening the account. These bonuses can be worth hundreds of dollars in travel, but you'll need time to meet the required spending amount and wait for the bonus points to be posted to your account.</p> <p>Finally, airline cards often come with free checked baggage and other perks such as free rental car insurance, lost baggage coverage, and trip interruption insurance. (See also: <a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about?ref=seealso" target="_blank">6 Types of Travel Insurance That Credit Cards Include</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-easy-way-to-save-up-a-big-travel-budget&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520Easy%2520Way%2520to%2520Save%2520Up%2520a%2520Big%2520Travel%2520Budget.jpg&amp;description=The%20Easy%20Way%20to%20Save%20Up%20a%20Big%20Travel%20Budget"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20Easy%20Way%20to%20Save%20Up%20a%20Big%20Travel%20Budget.jpg" alt="The Easy Way to Save Up a Big Travel Budget" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget">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-4"> <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-build-your-best-travel-budget">How to Build Your Best Travel Budget</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/8-hot-new-food-trends-the-frugal-way">8 Hot New Food Trends — The Frugal Way</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/6-ultimate-money-saving-tips-for-travelers">6 Ultimate Money-Saving Tips for Travelers</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/6-ways-travel-in-retirement-keeps-you-young">6 Ways Travel in Retirement Keeps You Young</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-sneaky-vacation-costs-that-add-up-quickly">10 Sneaky Vacation Costs That Add Up Quickly</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel cash back cutting costs expenses Food groceries rewards saving money transportation trips vacations Thu, 20 Apr 2017 08:30:13 +0000 Amanda Gokee 1927306 at http://www.wisebread.com 7 Things You Should Never Do With Your Travel Rewards Credit Cards http://www.wisebread.com/7-things-you-should-never-do-with-your-travel-rewards-credit-cards <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-should-never-do-with-your-travel-rewards-credit-cards" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-637964304.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting the most out of a travel rewards credit card isn't as easy as it might seem. Sure, the basic premise is simple: Rewards credit cards dole out points when you make a purchase with your card. Then you redeem them for free or discounted travel. But there are plenty of pitfalls to watch out for. (See also: <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?ref=seealso" target="_blank">Get Started With Travel Rewards With These Simple Steps</a>)</p> <p>Before you put too much effort into earning travel rewards, it's crucial to know what you're getting into. If you don't, you could end up with expired or useless points, or worse, debt.</p> <p>If you're angling to use credit card rewards to your advantage &mdash; not the card issuer's &mdash; here are some mistakes to avoid along the way.</p> <h2>1. Missing the Minimum Spending Requirement for a Bonus</h2> <p>Most top travel rewards credit cards offer a <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">sign-up bonus</a> for hitting a minimum spending requirement within a specific length of time when you first get the card. For example, you might earn 50,000 points if you spend $4,000 within the first three months of card ownership. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=seealso" target="_blank">Best Travel Rewards Credit Cards</a>)</p> <p>If you should happen to fall short, however, you'll never see that bonus hit your account. That's true whether you're $20 short or $200 short. Unless you meet the minimum spending requirement in its entirety, you're out of luck.</p> <p>If you get a new card for the bonus, make sure you're prepared to spend enough to hit the minimum with ease. You should also remember that the clock generally starts ticking on the day you're approved for the card &mdash; not the day you received it or activated it. So, if your card takes 10 days to show up in the mail, that's 10 days less you have to meet the spending requirement. If you're unsure of the exact date you were approved, call the number on the back of your card and ask. (See also: <a href="http://www.wisebread.com/5-smart-ways-to-meet-a-rewards-card-minimum-spending-requirement?ref=seealso" target="_blank">5 Smart Ways to Meet a Rewards Card Minimum Spending Requirement</a>)</p> <h2>2. Earning Loyalty Points You Can't Use</h2> <p>Racking up Hyatt Gold Passport points for a trip to Denmark sounds like a genius plan until you realize there are no Hyatt properties in the entire country. And earning Southwest Rapid Rewards points sounds smart &mdash; that is, until you realize Southwest doesn't even fly out of your home airport.</p> <p>This might sound crazy, but it happens all the time. Believe it or not, some people get so excited about earning points or miles that they don't even check whether they can use them. (See also: <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=seealso" target="_blank">Choose the Best Travel Rewards Credit Card With This Guide</a>)</p> <p>Before you sign up for a <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal" target="_blank">co-branded card</a> that only works with a specific loyalty program, it's crucial to figure out if those points will leave you better off. If you're unsure or want more flexibility, steer clear of co-branded cards and instead choose a <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">flexible travel rewards card</a> that lets you use points for multiple airlines and hotel chains.</p> <h2>3. Carrying a Balance</h2> <p>Paying interest on your credit card charges is never a good idea, but that's especially true if you're using the card to earn rewards. Since rewards credit cards typically charge higher interest rates than non-rewards cards, your misguided pursuit of points and frequent flyer miles can leave you worse off than if you had a <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=internal" target="_blank">low-interest credit card</a>.</p> <p>Before you chase credit card rewards, you should be <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=internal" target="_blank">debt-free</a>. Even better, you should track your spending to make sure you're on track with your goals.</p> <h2>4. Forgetting About Annual Fees</h2> <p>While many <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal" target="_blank">cash back credit cards</a> don't come with annual fees, the same cannot be said about travel rewards cards. Some <a href="http://www.wisebread.com/the-5-best-premium-credit-cards?ref=internal" target="_blank">excellent premium cards</a> come with annual fees as steep as $450, while more basic cards cost anywhere from $59 to $95.</p> <p>Before you sign up for a rewards card, make sure you know about fees and when they come due. You should also make sure you're going to extract enough value from the card to make the experience worth it. (See also: <a href="http://www.wisebread.com/simple-guide-to-evaluating-a-credit-card-with-an-annual-fee?ref=seealso" target="_blank">Simple Guide to Evaluating Whether a Credit Card With an Annual Fee Is Worth It</a>)</p> <h2>5. Letting Your Points Expire</h2> <p>Some points expire if you let them sit idle for too long, while others never expire. Of course, the burden falls squarely on you to keep up with expiration policies and deadlines. If you fail to plan and don't ensure your points stay active, you could see thousands of points disappear overnight.</p> <p>Before you get too wrapped up in any rewards program, make sure you know what it takes to keep your points active. Some airline programs will wipe out your point haul after 12&ndash;24 months of inactivity, but you can keep your account active by using your co-branded credit card for a purchase or transferring points.</p> <p>Either way, make sure you know the rules and stay organized enough to follow them. (See also: <a href="http://www.wisebread.com/4-best-tools-for-tracking-your-rewards-miles?ref=seealso" target="_blank">4 Best Tools for Keeping Track of Your Rewards</a>)</p> <h2>6. Not Using the Right Card for Your Goals</h2> <p>A friend of mine had been using her only rewards card &mdash; a cash back card &mdash; to save up points for an international flight that normally costs around $1,500. At the rate she was going (earning around 30,000 points per year), it would easily take her five years to earn that round-trip ticket &mdash; and that's only if the price didn't surge in the meantime.</p> <p>Once I realized this, I guided her toward the <a href="http://www.wisebread.com/chase-sapphire-preferred-review?ref=internal" target="_blank">Chase Sapphire Preferred&reg; card</a> for its generous sign up bonus. Once she earned the bonus, she would have more than enough points to transfer to the United MileagePlus program to pay for the same international ticket right away. Overnight, her strategy morphed from one that would take up to five years to a plan that would culminate in just a few short months. (Keep in mind the card has an annual fee.)</p> <p>(See also: <a href="http://www.wisebread.com/how-i-redeemed-a-12000-family-vacation-with-credit-card-rewards-in-2-months?ref=seealso2" target="_blank">How I Redeemed a $12,000 Family Vacation With Credit Card Rewards in Two Months</a>)</p> <p>The bottom line: If you have a specific goal in mind, you can save time and heartache by optimizing your rewards from the start. (See also: <a href="http://www.wisebread.com/5-steps-to-getting-a-free-or-close-to-free-vacation-in-9-months-or-less-with-credit-cards?ref=seealso" target="_blank">5 Steps to Getting a Free (or Close to Free) Vacation Quickly With Credit Cards</a>)</p> <h2>7. Overspending to Earn More Rewards</h2> <p>Because rewards credit cards dole out points based on your spending, it can be tempting to spend more to earn more rewards. This is especially true when certain bonus categories come into play. If you can earn five times the points on a brand-new flat screen television, for example, you might feel inclined to buy one, even if you didn't need it.</p> <p>But if your rewards goal is truly getting ahead, you should think long and hard before buying anything out of the ordinary. After all, spending money you wouldn't spend otherwise won't help you save money in the long run.</p> <p>Remember, the best credit card rewards strategy is a simple one: When you use your cards for bills you were going to pay anyway, you'll truly be rewarded. But if you use credit card rewards to justify a spending spree, you're not really helping yourself. (See also: <a href="http://www.wisebread.com/7-credit-card-reward-tips-many-people-dont-follow?Ref=seealso" target="_blank">7 Credit Card Reward Tips Many People Don't Follow</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">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-5"> <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/9-ways-to-use-travel-rewards-cards-to-get-free-trips">How to Use Travel Rewards Cards to Get Free Trips</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/dont-make-these-6-credit-card-sign-up-bonus-mistakes">Don&#039;t Make These 6 Credit Card Sign-Up Bonus Mistakes</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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</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/5-myths-about-credit-cards-that-wont-go-away">5 Myths About Credit Cards That Won&#039;t Go Away</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards bonuses cash back fees miles Mistakes points rewards spending requirements travel Wed, 01 Mar 2017 10:30:34 +0000 Holly Johnson 1898658 at http://www.wisebread.com The 25 Best Credit Cards From Credit Unions http://www.wisebread.com/the-best-credit-cards-from-credit-unions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-credit-cards-from-credit-unions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smile_credit_card_588598074.jpg" alt="Woman using best credit cards from credit unions" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit unions have come a long way from their local, affinity group roots. These days credit unions offer all of the convenience and service of their much larger brethren, but usually at lower cost &mdash; and often with more personal customer service. Joining a credit union has never been easier, as most credit unions make membership available to almost anyone through affiliated nonprofits and groups. Of course, credit cards are among the banking products a credit union will offer.</p> <p>We've collected 25 of the best credit union credit cards on offer, many equal or superior to big bank cards. Have a look, and then decide if it's time to finally <a href="http://www.wisebread.com/9-good-reasons-to-choose-a-credit-union-instead-of-a-bank">dump your bank and join a credit union</a>.</p> <h2>Our Top 10 Credit Union Credit Cards</h2> <p>The 10 cards at the top of our list feature relatively low interest rates and familiar credit card features and perks.</p> <h3>State Department Federal Credit Union: Visa Platinum Card</h3> <p>The SDFCU offers a pair of Platinum Visa cards with several attractive benefits, including no balance transfer fees, and a rewards program called &quot;Flexpoint.&quot; Variable interest rates range between 7.49% and 15.24%, depending on credit score. The SDFCU is open to employees of the US State Department and their families, affiliated companies, and members of the American Consumer Council, which anyone can join.</p> <h3>GTE Financial Credit Union: Visa Platinum Card</h3> <p>The Platinum Visa from GTE Federal Credit Union offers attractive interest rates (8.49% for the best credit scores) and no balance transfer fees. Many credit union cards are shy with the rewards points, but this card features 2x and 3x points on promotional purchases throughout the year. Visa Alerts and Travel and Baggage insurance round out the perks. Membership in the GTEFCU is through employers, family members, or by joining GTE's CU Savers club.</p> <h3>Air Force Federal Credit Union: Visa Platinum Card<strong> </strong></h3> <p>You don't have to be a pilot to enjoy the benefits of the AFFCU Platinum Visa.There's no annual fee for this card, relatively low interest rates (starting at 8% for those with excellent credit scores), and 2,500 bonus CURewards points just for signing up. Membership is open to military service personnel and their families, government employees and their families, DOD contractors, and members of the Airman Heritage Foundation, which anyone can join for a fee.</p> <h3>Navy Federal Credit Union: cashRewards Credit Card</h3> <p>This card features no annual fee and an attractive cash back rewards program that returns 1.5% for every dollar spent. Interest rates start at 9.9%, so be sure to take advantage of the rewards while keeping balances at zero. There are no annual fees, no balance transfer fees, and no foreign transaction fees with this card. Membership is open to current and former service members, DOD civilians, and their families.</p> <h3>Pentagon Federal Credit Union: Platinum Rewards Visa Signature Card</h3> <p>The relatively high interest rates on this card (starting at 10.24%), make it an unwise choice for cardholders who carry a balance. For those who can keep balances low, the attractive rewards program can pay well, with 5x points for gasoline purchases and 3x for groceries. No annual fee and no foreign transactions fee keep the cost of this card down. PenFed membership is open to service members and their families, affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, both of which anyone can join for a one-time fee.</p> <h3>Pentagon Federal Credit Union: Premium Travel Rewards American Express</h3> <p>As with the other PenFed card on this list, interest rates aren't the lowest, but the rewards are attractive, especially for frequent travelers. This card features a 12 month 0% balance transfer APR and pays 20,000 bonus points if new cardholders spend $2,500 in the first three months. There's no annual fee and no foreign transaction fees. PenFed membership is open to service members and their families, members of affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, which anyone can join for a one-time fee.</p> <h3>Navy Federal Credit Union: Go Rewards Visa Signature Card</h3> <p>This Visa Signature card offers a decent rewards program &mdash; 3x points for restaurants, 2x for gasoline and 1x for everything else &mdash; at the cost of relatively high interest rates (9.74% to 18%, depending on credit score). There is no annual fee, no balance transfer fee, and no foreign transaction fee. Membership is open to current and former service members, DOD civilians, and their families.</p> <h3>Affinity Plus Credit Union: Visa Premier Classic</h3> <p>This no frills card from Affinity Plus Credit Union offers relatively low interest rates (8.65% to 18%, depending on creditworthiness), no annual fee, and no balance transfer fee. Other perks include a Rental vehicle damage waiver and Visa spending alerts. Membership is open to employees of the State of Minnesota, affiliate organizations, and members of the Affinity Plus Foundation, which anyone can join for a one-time fee.</p> <h3>NASA Federal Credit Union: Visa Platinum Advantage Rewards</h3> <p>This basic rewards card offers a point per dollar spent, which are redeemable for travel and merchandise. There is no annual fee and no balance transfer fee. Interest rates range from 10.17% to 18%, with a balance transfer rate of 7.90% on transfers made in the first 90 days. Membership is open to NASA employees and their families, affiliate organizations, and members of the National Space Society, which is free to join.</p> <h3>McGraw-Hill Federal Credit Union: Visa Platinum Card</h3> <p>This Platinum Visa card features interest rates between 9.9% and 18%, which is middle of the pack for this collection of cards. There is no annual fee. The rewards program requires a separate login on the credit union's website. The card offers Visa services not every credit union card offers, such as roadside assistance and car rental insurance. Membership is open to employer groups, members of their families, and members of VOICE foundation, which anyone can join.</p> <h2>Other Credit Union Credit Cards to Consider</h2> <p>If none of the above suit your needs, consider one of these.</p> <h3>Pentagon Federal Credit Union: Gold Visa Card</h3> <p>No frills, no fees, and relatively low interest rates (8.99% to 18%).</p> <p>PenFed membership is open to service members and their families, affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, which anyone can join for a one-time fee.</p> <h3>Pentagon Federal Credit Union: Platinum Cash Rewards Visa Card</h3> <p>Cash back on gas of 3% or 5%, depending on which card you qualify for (Standard or Plus).</p> <p>PenFed membership is open to service members and their families, affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, which anyone can join for a one-time fee.</p> <h3>Pentagon Federal Credit Union: Promise Visa Card</h3> <p>No fees, relatively low interest rates (8.99% to 18%).</p> <p>PenFed membership is open to service members and their families, affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, which anyone can join for a one-time fee.</p> <h3>Pentagon Federal Credit Union: Defender Visa Signature Card</h3> <p>Cash back on all purchases of 1.5% and $100 bonus credit if new cardholders spend $1500 in the first three months.</p> <p>PenFed membership is open to service members and their families, affiliate organizations, and members of Voices for America's Troops or the National Military Family Association, which anyone can join for a one-time fee.</p> <h3>Lake Michigan Credit Union: Prime Platinum Visa Card</h3> <p>This card offers a relatively low interest rate (Prime + 3.00%) and no annual fee.</p> <p>Membership is open residents of Michigan, family members, and members of the ALS foundation, which requires a one-time fee.</p> <h2>Lake Michigan Credit Union: Max Rewards Visa Card</h2> <p>Cash back of 3% on gas (up to $500 per month), 2% on groceries (unlimited) and 1% on everything else (unlimited), redeemable via the CURewards program. No annual fee and no balance transfer fee.</p> <p>Membership is open residents of Michigan, family members, and members of the ALS foundation, which requires a one-time fee.</p> <h3>NASA Federal Credit Union: Visa Platinum Cash Rewards</h3> <p>Unlimited 1.5% cash back on all purchases. No annual, balance transfer, or foreign transaction fees.</p> <p>Membership is open to NASA employees and their families, affiliate organizations, and members of the National Space Society, which is free to join.</p> <h3>Affinity Plus Credit Union: Visa Premier Select Rewards</h3> <p>No annual or balance transfer fees. Earn one CURewards point per dollar spent, Visa Signature perks such as travel accident insurance and cell phone protection.</p> <p>Membership is open to employees of the State of Minnesota, affiliate organizations, and members of the Affinity Plus Foundation, which anyone can join for a one-time fee.</p> <h3>Apple Federal Credit Union: Visa Platinum</h3> <p>Low variable interest rates (5.99% to 18%) and no penalty APR. No annual, balance transfer, or foreign transaction fees.</p> <p>Membership in the credit union is open to anyone who lives, works, worships, volunteers, or attends school in several Northern Virginia counties, their families, and affiliated employee groups.</p> <h3>Apple Federal Credit Union: Signature Reward Visa</h3> <p>No annual, balance transfer, or foreign transaction fees. Earn 3x points on gas, 2x on groceries and 1x on everything else.</p> <p>Membership in the credit union is open to anyone who lives, works, worships, volunteers, or attends school in several Northern Virginia counties, their families, and affiliated employee groups.</p> <h3>Kitsap Credit Union: Visa Gold Card</h3> <p>Low variable APR (Prime +2.9%) and no annual, balance transfer, or foreign transaction fees.</p> <p>Membership is open to people who live work, or worship in the state of Washington.</p> <h3>Abri Credit Union: Visa Platinum Credit Card</h3> <p>Low interest rates (Prime + 3.9%), no annual, balance transfer, or foreign transaction fees. Promotional balance transfer rate of 1.99% for six months.</p> <p>Membership is open to people who live in select Chicagoland counties and their families.</p> <h3>Fort Community Credit Union: Visa Platinum Credit Card</h3> <p>Low variable APR (Prime + 3.99%), no annual, balance transfer, or foreign transaction fees. Cash back of 1% on all purchases.</p> <p>Membership is open to people who live and work in select counties in and around Milwaukee, Wisconsin, and their families.</p> <h3>America First Credit Union: Visa Platinum Credit Card</h3> <p>Cash back of 1.5% on all purchases, no annual or balance transfer fees.</p> <p>Membership is open to those who live, work, or worship in select Utah, Arizona, and Nevada counties.</p> <h3>Suncoast Credit Union: Reward Platinum Visa</h3> <p>Variable interest rates starting at 8.9%, one rewards point for every dollar spent, redeemable for travel and merchandise. No annual or balance transfer fees.</p> <p>Membership is open to those who live or work in select Florida counties and their families.</p> <h3>Alliant Credit Union: Visa Platinum Credit Card</h3> <p>Introductory APR of 0% for 12 months; variable after (9.74% to 21.74%). No annual fee, no balance transfer fee.</p> <p>Membership is open to select employer groups, people who live or work in select Chicagoland counties, or members of a nonprofit, which anyone can join for a one-time fee.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/greg-go">Greg Go</a> of <a href="http://www.wisebread.com/the-best-credit-cards-from-credit-unions">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/how-a-credit-card-cash-advance-costs-you-more-than-a-purchase">How a Credit Card Cash Advance Costs You More Than a Purchase</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/the-dirty-secrets-of-credit-cards">The Dirty Secrets of Credit Cards</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/credit-card-fees-hidden-and-otherwise">Credit Card Fees: Hidden and Otherwise</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/is-a-balance-transfer-offer-a-good-deal">Is a Balance Transfer Offer a Good Deal?</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/the-best-0-balance-transfer-credit-cards">The Best 0% Balance Transfer Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards APR cash back credit unions interest rates rewards cards Sat, 28 Jan 2017 01:09:38 +0000 Greg Go 1882265 at http://www.wisebread.com 9 Ways to Use Miles and Points for Holiday Gifts http://www.wisebread.com/9-ways-to-use-miles-and-points-for-holiday-gifts <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-use-miles-and-points-for-holiday-gifts" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_christmas_shopping_621576836.jpg" alt="Woman using miles and points for holiday gifts" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Although shopping isn't always the best way to get value out of your credit card or other loyalty rewards &mdash; <a href="http://www.wisebread.com/6-tricks-to-making-the-most-of-your-reward-miles">international flights and upgrades</a> typically get more punch for the point &mdash; there are lots of good reasons to consider spending some points on holiday gifts.</p> <p>If you're short on cash, tapping your miles and points is an easy way to come through for loved ones without racking up debt. It's a sneaky way to treat a spouse who shares your checking and credit accounts without having a bill for the &quot;gift&quot; arrive in January. Shopping can also be an expedient way to use up small caches of points that might otherwise expire, which should be part of your year-end financial cleanup anyway.</p> <p>Check out some of these easy ways to turn points into presents under the tree.</p> <h2>1. Shop Amazon With Points</h2> <p>This is so easy that even I, usually a die hard &quot;save points for travel&quot; girl, bought my kids some toys using this method this year. Some credit cards allow you to link your Amazon account directly to easily use points for purchases. Amazon is also a popular vendor in shopping portals. Check your credit card issuer to see if they have a members-only shopping portal that allows you to use points (or earn bonus ones) when you shop with their partners.</p> <h2>2. Buy Gift Cards With Points</h2> <p>Many rewards programs offer gift cards as a redemption option. You can usually exchange your points at a $0.01 rate, so if you have 500 points, you can usually get a $5 gift card to a popular store, like Starbucks, Home Depot, or Banana Republic. Make sure to check whether your gift cards will arrive by mail or email, and if by mail, when they will be shipped.</p> <h2>3. Give the Gift of Travel</h2> <p>If you have a lot of points, you can always use them where you get the best value: airline flights. This is a great gift idea for a loved one you'd like to visit you. Simply use your points to book a ticket in his name. Southwest is a good candidate for this kind of gift, since your recipient can change the flight itinerary at no charge if your proposed travel dates don't work. You can earn Southwest Rapid Rewards with the <a href="http://www.wisebread.com/best-domestic-frequent-flyer-program-southwest-airlines-rapid-rewards-premier-credit-card?ref=internal">Southwest Credit Card</a>, or by transferring Chase Ultimate Rewards Points to your Rapid Rewards account.</p> <h2>4. Give Subscriptions</h2> <p>If you have a few points close to expiration, you may have received an offer in the mail to trade points for magazine and newspaper subscriptions. This is a good way to squeeze some value out of miles for an airline you're unlikely to fly, or points from any program where you don't expect to accumulate enough to redeem anything big.</p> <p>For instance, while 3,200 miles is not enough for even a short flight on American Airlines, it can get you a yearlong subscription to The Wall Street Journal, a $278 value. Through <a href="https://www2.magsformiles.com/index.html?utm_source=expired&amp;utm_medium=10024767">Mags for Miles</a>, you can redeem United, Spirit, and a number of other types of miles for People, Sports Illustrated, or many other titles. This is a particularly good idea for Spirit miles, since they expire quickly.</p> <h2>5. Redeem Points for Merchandise</h2> <p>This usually ends up giving you the <em>worst </em>value for your points, but if it prevents you from actually spending your cash, it can still be worthwhile. Look at your options for points redemption, and you'll usually find a &quot;merchandise&quot; option, which lists gadgets and gifts you can get with your points. If the gift you really want to get is there, or you really wouldn't be able to use the points in a better way, why not?</p> <h2>6. Give Exclusive Experiences</h2> <p>Sometimes Broadway shows, sporting events, and other experience vendors offer exclusive opportunities to cardholders. For instance, in San Francisco, hard-to-get Hamilton tickets were recently offered on pre-sale to Amex cardholders only. Chase cardmembers were also recently offered a VIP experience at the Sundance Film Festival.</p> <h2>7. Redeem Points for Cash</h2> <p>Even if your credit card isn't labeled a &quot;cash back&quot; credit card, you may still be able to redeem your points for cash or a statement credit. Sometimes they don't advertise this option, so dig a little into their rewards center to see whether it's an option. You simply shop normally for your gifts &mdash; except without denting your checking account.</p> <h2>8. Make a Donation</h2> <p>If your giftee is the type of person who would appreciate a charitable donation in their name, many issuers will allow you to donate your points to charities. Check your rewards center for options and availability.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/9-ways-to-use-miles-and-points-for-holiday-gifts">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/9-gifts-that-wont-become-clutter">9 Gifts That Won&#039;t Become Clutter</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/8-frugal-skills-you-need-to-survive-black-friday">8 Frugal Skills You Need to Survive Black Friday</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/holiday-gift-giving-for-the-truly-broke">14 Gift Ideas for the Truly Broke</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/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards 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/how-to-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Amazon cash back charities christmas shopping gifts holiday shopping miles rewards subscriptions Fri, 09 Dec 2016 10:00:08 +0000 Carrie Kirby 1850499 at http://www.wisebread.com 6 Ways Millennials Have Changed Money (So Far) http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-millennials-have-changed-money-so-far" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_chalkboard_money_500538951.jpg" alt="Learning how millennials have changed money so far" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every generation of Americans have changed the face of this nation in its own way.</p> <p>In the 1990s, our country was very different from it was in the '70s, which, itself, was a far cry from the 1950s. Today, Millennials are overhauling our political, social, and financial landscape so much that it's barely recognizable from just 10 years ago, and that's not necessarily a bad thing (depending on where you stand on certain issues.)</p> <p>As far as money is concerned at least, the &quot;Me Generation&quot; is making it easier to earn money and more efficient to spend it, while reinventing entire aspects of personal finance, like investing. They're living up to the old idiom of putting their money where their mouth is &mdash; and here's how.</p> <h2>1. Cash Back Is Growing While Coupons Fall Behind</h2> <p>I used to be a major coupon clipper, once saving more than $80 on my grocery bill on double-coupon day at my local supermarket. My couponing prowess (and interest) has consistently waned over the years. Instead, substituting my savings with cash back deals through my bank and grocery apps, like <a href="https://ibotta.com/register?friend=jcsgjbv">Ibotta</a>, <a href="https://www.checkout51.com/">Checkout 51</a>, and <a href="https://savingstar.com/">SavingStar</a>, has skyrocketed.</p> <p>I'm not alone. Millennials are hopping aboard the rebate train in droves.</p> <p>If you're not familiar with the concept of the cash back service, it's basically the opposite of the upfront savings that coupons provide. Instead, these rebate providers pay out the consumer on the back-end, after the shopping trip is complete.</p> <p>SavingStar, for instance, offers deals from popular grocery brands like Cheerios, Yoplait, Dove, and more. For some chains, it'll link deals directly to shoppers' loyalty cards. For other stores, shoppers can submit a picture of their receipt through the app or website. In either case, shoppers earn cash back into their SavingStar accounts, which can be paid out to a bank or PayPal account, or as gift cards from Starbucks, iTunes, and AMC Theatres.</p> <p>Of course, cash-back-adopting Millennials would maximize their savings by using both coupons <em>and</em> the rebate services, but, ya know &mdash; kids these days.</p> <h2>2. Investing Is Being Completely Reinvented</h2> <p>As an investor myself, I've avoided putting money in stocks (I just don't trust that market), preferring to invest in real estate or other entrepreneurs' business ideas. Michael Banks, founder of investing and personal finance blog Fortunate Investor, says I'm in good company. Millennials are turning the investment industry on its head by rethinking long-held strategies, perhaps out of necessity.</p> <p>&quot;As the generation with the largest student debt and toughest-looking future, traditional investing is out of the picture,&quot; Banks says. &quot;Instead, more Millennials are relying on micro-investing &mdash; investing small amounts of money frequently &mdash; to accomplish their savings goals.&quot;</p> <p>Micro-investing allows would-be investors with little starting capital to bypass the roadblocks that usually keep them out of the game &mdash; minimum investment levels, trading costs, market research, and really just not having a ton of money.</p> <p>&quot;Investing has always had a high buy-in value, which you would think eliminates the generation that is doing everything they can to save whatever they have &mdash; but a handful of apps are changing that, and opening the doors for Millennials to try their hands at creating their own investment portfolios,&quot; adds Banks.</p> <h2>3. Hardly Anyone Under Age 35 Walks Into a Bank Anymore</h2> <p>Your grandma probably still goes to the brick-and-mortar bank. Heck, maybe even your dad likes to roll in from time to time for a withdrawal and a lollipop, but you'll be hard-pressed to find a Millennial in a bank, unless it's to grab cash from an ATM for after-work drinks (or working there). Rather, they prefer the easy-breezy mobile banking that accommodates their fast-paced lifestyle.</p> <p>According to a recent study, 75% of Millennials are at least somewhat <a href="https://www.marketingcloud.com/what-millennials-expect-from-their-banks/">reliant on a mobile banking app</a> to interact with their bank for tasks such as depositing or sending checks, checking their balance, and paying bills.</p> <p>&quot;This seems like somewhat of a no-brainer, but the power of convenience and control often goes overlooked,&quot; writes creative media agency Brokaw. &quot;Within mobile interactions, there are multiple avenues in which banks can increase their influence and exposure, including text messages and push notifications. Take FirstMerit Bank's text banking and alerts, for example: It allows their customers to request activity alerts for different aspects of their account right from their phone.&quot;</p> <p>Legit, though &mdash; mobile depositing is one of the best inventions of the 21st century. I will stand by that until my retinas are replaced with laser scanners that do all my banking for me. Which is totally gonna happen, ya know.</p> <h2>4. The Monetization of Ideas</h2> <p>Think you need to push product to turn a profit? Old school. Millennials' intellectual property is their bread and butter &mdash; and they're fiercely protective of it.</p> <p>&quot;The increasing monetization of ideas is one trend Millennials are driving, which doesn't look to be slowing down anytime soon.&quot; explains Monica Mizzi, editor of LegalTemplates.net, a website that equips people with the tools to be their own legal advocates. &quot;The boom in startup culture can be largely attributed to the throng of Millennials who are taking the plunge to make their 'one in a million' idea come to life.&quot;</p> <p>Successive studies highlight that a growing number of Millennials are bucking the trend of traditional employment to try their hand at entrepreneurship. With this has come an increasing interest in using nondisclosure agreements to protect their business ideas.</p> <p>&quot;While using an NDA to protect business ideas is not a novel concept, growing market competition has led Millennials to become more proactive in legally protecting their ideas &mdash; even before they have come to fruition,&quot; Mizzi continues. &quot;It's not uncommon to hear reports of big companies pinching ideas or being 'inspired' by their competitors' ideas, so Millennials wanting to become entrepreneurs are more conscious of ensuring their ideas are never compromised.&quot;</p> <h2>5. Instant Financial Transactions Are Becoming More Common</h2> <p>When do Millennials want their money? Now!</p> <p>Domestic instant transaction service has become commonplace for this demographic &mdash; I get paid instantly via Venmo when I deposit money from my Lyft earnings (like a boss!) &mdash; and its expansion to international exchanges is inevitable. The problem is, sending money internationally is a bit trickier with more complex compliance and regulations needs. But at least one service right now, <a href="https://www.remitly.com/us/en/">Remitly</a>, has built compliance and regulation rules into their app making it possible to meet Millennials' need for speed and convenience.</p> <h2>6. Digital Currency Has Real Value</h2> <p>Digital, or cryptocurrency as it's formally known, went mainstream with the runaway success of Bitcoin &mdash; a digital asset designed to work as a medium of exchange using cryptography to secure the transactions and to control the creation of additional units of the currency (as explained by Wikipedia). In layman's terms, it's cyber money that you can spend wherever cyber money is accepted, which is a real thing in this day and age.</p> <p>But Bitcoin isn't the be-all or end-all of digital currency. Imitators have popped up, relevant in their own rights. Using a digital currency called Steem, for example, users of brand-new social network<a href="http://www.steemit.com"> Steemit</a> (which looks a lot like Reddit) get paid for posting and curating content. And it's become wildly popular. After launching this past May, Steemit (which has a 26-year-old CEO) already has nearly 120,000 registered users and posts nearly 1,000,000 unique visitors per month. They've also paid out more than <a href="http://www.rollingstone.com/culture/news/can-this-social-media-site-make-you-rich-w449566">$4,000,000 in rewards</a> to users to date.</p> <p>While digital currency is still in its infancy despite these successes, you can expect to see more and more of it infiltrating sectors of industry. Will it ever replace cash or credit? Probably not. But it's certainly an interesting concept as a new form of legitimate currency as we've move forward with Millennials at the helm.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">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-5"> <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/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</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/6-millennial-money-habits-every-retiree-should-learn">6 Millennial Money Habits Every Retiree Should Learn</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/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</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/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About Money</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/6-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle apps cash back coupons digital currency entrepreneurship investing millennials online banking Fri, 02 Dec 2016 11:00:10 +0000 Mikey Rox 1844380 at http://www.wisebread.com Change Jars and 8 Other Clever Ways to Build an Emergency Fund http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_change_jar_73155135.jpg" alt="Woman finding clever ways to build an emergency fund" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Saving money is not easy. For many Americans, there's not much cash leftover once the bills get paid each month. Building up an emergency fund and saving for retirement is a struggle, but it's not impossible. Sometimes, it just starts with a small step.</p> <p>For example, one way to begin building an emergency fund is to place any coins you accrue into a transparent change jar. Once it's full, deposit it all into the bank. You'll find that you may have more than $100 &mdash; just from your pocket change!</p> <p>There are many other small ways to get started saving, even if it's just a few dollars at a time.</p> <p>Consider taking these small steps to building positive financial habits, and you'll start to see your bank account grow.</p> <h2>1. Track Your Spending &mdash; Every Single Penny</h2> <p>If you are having trouble saving money, you will need to take the first step of figuring out where your money is going. Develop a system to record every purchase. An online service such as Mint can help you track spending and even categorize purchases so you know exactly what you're spending money on. By doing this, you'll be able to find where you can cut costs. Information is power. (See also:<a href="http://www.wisebread.com/start-saving-more-with-this-one-simple-tool?ref=seealso"> Start Saving More With This One, Simple Tool</a>)</p> <h2>2. Reduce Your Spending on a New Category Each Month</h2> <p>Once you've figure out where your money is going, it's time to decide what you can cut. If you've categorized your spending, pick one category and vow to reduce spending from one month to the next. For example, tackle your restaurant spending in January. In February, look for ways to reduce your cellphone bill. In March, cancel your cable television. By year's end, you'll have slashed spending on 12 things, and will be well on your way to saving money.</p> <h2>3. Put Away Any Extra Money You Receive</h2> <p>Did you get a bonus or raise from your company? Don't spend it, but put it in the bank instead. If your expenses are the same, then any new money you get should go directly into savings. This also goes for any prize winnings, unexpected refunds or rebates, or cash found in the pocket of that jacket you haven't worn since last winter. This may be only a few bucks here and there, but it adds up and gets you in the habit of not spending every new dollar you get.</p> <h2>4. Track When You Don't Spend</h2> <p>You might pass five coffee shops every time you walk to work. You stare at candybars and magazines at every supermarket aisle. You're bombarded with targeted Facebook ads and circulars in the mail. It's almost impossible to avoid parting with your money. But what if you made a note of every time you passed by that coffee shop without stopping in for a $4 latté? What if you gave yourself points for every time your willpower won? Eventually, resisting the urge to spend might be an easy habit.</p> <h2>5. Open an Online Savings Account and Set Up Automatic Transfers</h2> <p>You can't spend money if you never have it in your hand to begin with. If you set up an automatic transfer of cash into an online savings account &mdash; preferably one not tied to your ATM card &mdash; you'll be setting aside money before it ends up in your wallet. Start with a modest amount, maybe $25 a month, then see if you can gradually increase that. Before you know it, you'll have a nice sum of money that can serve as your emergency fund.</p> <h2>6. Open Your 401K and Hit the Company Match</h2> <p>If your company offers a retirement plan, there's no good excuse not to take part. Money you contribute is deducted from your taxable income, and it's usually taken directly from your paycheck, so there's no easy way to spend it on silly stuff. Most companies offer to match contributions up to a certain percent. Do your best to contribute up to the match, if possible, and increase your contributions by a percent each year.</p> <h2>7. Pack Your Lunch</h2> <p>This is a tough one for a lot of people. After all, who wants to eat a lame homemade sandwich when they can go out to that new gourmet burrito place with their colleagues? But it's time to get over your fear of the &quot;sad lunch&quot; and recognize that it's a big money saver. Any back-of-the-envelope calculation will reveal that packed lunches can save you hundreds or even thousands of dollars a year. If you're struggling to figure out where you can save money, this is a great place to start.</p> <h2>8. Tweak the Thermostat</h2> <p>We all like to keep our house at the perfect temperature, but we can all get use to things being a degree or two warmer in the summer or slightly cooler in winter. If you're setting the thermostat to 70 in summer, try bumping it up to 72. When it's chilly outside, keep things at 68 or even cooler. And don't forget about tweaking it further when you are not home. The U.S. Department of Energy says you can save as much as <a href="http://energy.gov/energysaver/thermostats">10% on your energy bills</a> just by adjusting the thermostat by seven to 10 degrees for eight hours each day.</p> <h2>9. Use a Credit Card With Cash Back</h2> <p>It's best to use credit cards sparingly when you're looking to save. But if you do use credit cards, making sure you get something in return. Do some research to find the cards with the best rewards. Some offer straight <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">cash back on every purchase</a>. Others offer <a href="http://www.wisebread.com/5-best-credit-cards-that-transfer-points-to-airline-miles?ref=internal">points at airlines</a> or specific retailers. Find the one that best suits you, and watch that money accrue. Even if you get a mere 1% cash back on purchases, that could add up to hundreds of dollars annually. (See also: <a href="http://www.wisebread.com/cash-back-vs-travel-rewards-pick-the-right-credit-card-for-you?ref=internal">Cash Back vs Travel Rewards: Pick the Right Credit Card for You</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">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-7"> <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/7-nice-ways-to-tell-your-spendy-friends-youre-staying-on-budget">7 Nice Ways to Tell Your Spendy Friends You&#039;re Staying on Budget</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/47-simple-ways-to-waste-money">47 Simple Ways To Waste Money</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-types-of-friends-who-are-costing-you-money">10 Types of Friends Who Are Costing You Money</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/not-the-sort-of-person-who">Not the sort of person who ...</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/13-creative-ways-to-avoid-spending-money">13 Creative Ways to Avoid Spending Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Budgeting baby steps cash back change jar emergency fund extra money pennies reduce spending saving small steps spending Mon, 17 Oct 2016 10:30:10 +0000 Tim Lemke 1813254 at http://www.wisebread.com 6 Highly Effective Ways to Save Without Clipping a Coupon http://www.wisebread.com/6-highly-effective-ways-to-save-without-clipping-a-coupon <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-highly-effective-ways-to-save-without-clipping-a-coupon" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_using_phone_52920552.jpg" alt="Woman saving money without clipping coupons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's face it, clipping coupons can be a very time consuming activity &mdash; and it's definitely not for everyone. In terms of savings, the time spent finding, cutting, and organizing coupons is not always worth it. It's with this in mind that I've come up with some easy ways to save significant money that don't require a coupon. So put down the scissors, walk away from the Sunday paper, and save money with these insider tips instead. (See also: <a href="http://www.wisebread.com/9-online-retailers-who-let-you-stack-coupons?ref=seealso">9 Retailers That Let You Stack Coupons</a>)</p> <h2>1. Shop on the Right Day of the Week</h2> <p>Were you aware that many popular retailers have specific days of the week where they do all of their internal store markdowns? Shop right afterward, and you'll have first dibs on new clearance items, no coupon required. For example, save money on clearance clothing when they actually have your size or color of choice in-stock. Here are a few markdown days to keep in mind so you can shop and save accordingly:</p> <ul> <li>Kohl's: I had an employee tell me to shop on the second and fourth Saturday of every month. She said those are the two days when you'll find the freshest markdowns.<br /> &nbsp;</li> <li>Macy's: I was told by an anonymous employee that they start their markdowns on Sundays and wrap things up by Tuesday morning. Shop on Tuesday afternoon and get first dibs on new markdowns.<br /> &nbsp;</li> <li>Old Navy: The day to shop at Old Navy is Wednesday. Try it and you'll often find the clearance section stocked with new clothing as well as clearance stuff that has been marked down even further.<br /> &nbsp;</li> <li>Ross Dress for Less: If you're a big Ross shopper like myself, you'll want to check out their inventory starting on a Monday. I was told by an employee, who heads up her store's clearance department, that Monday is the only day they do their markdowns.<br /> &nbsp;</li> <li>JCPenney: If you can shop at JCPenney on the first and third Friday of every month, you'll find a plethora of new clearance deals to pick from.</li> </ul> <h2>2. Always Use a Cash Back Site</h2> <p>If you're shopping online and not doing it through a reputable&nbsp;<a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">cash back website</a>, you're clearly leaving money on the table. In recent years, cash back sites have had the reputation of being more hassle than they're worth. After all, who has time to jump through a bunch of hoops to save a measly 50 cents? Those days are officially gone. Popular sites like Ebates, TopCashback, and BeFrugal have made it incredibly easy to shop online and get significant money back on your purchases by utilizing mobile apps and browser add-ons or extensions.</p> <p>Also, the amount of money you get back has risen as well. A perfect example is TopCashback.com as they give back all of the commissions they receive from retailers to their users. So instead of splitting the 8% with their users, they're giving it all to them &mdash; and instead are making their money via advertising and charging retailers for premium placement on their website. Because of this generous business model, the cash back rates are definitely high enough to make it worth your while.</p> <h2>3. Subscribe and Save Programs</h2> <p>Subscribe and save programs are an oft forgotten way to save money on household items that you'll need on a recurring basis. No coupon clipping required. Think things like diapers, laundry detergent, dog food, paper products, and trash bags, to name a few. The two leading players are Amazon and Target and the savings their programs provide is substantial. Their pricing often beats that of warehouse clubs like Costco and Sam's Club. Perhaps the best feature is they both come with free delivery, which means no more roller carts full of dog food and toilet paper to try and squeeze into the minivan.</p> <h2>4. Wal-Mart Savings Catcher App</h2> <p>If the idea of clipping coupons for your next trip to Wal-Mart gives you the cold sweats, their <a href="http://savingscatcher.walmart.com/" target="_blank">Savings&nbsp;Catcher App</a> is definitely for you. All the app requires you to do is scan your Wal-Mart store receipt after each visit. No scissors required. Wal-Mart will then scour the prices and ads from local competitors and credit your account if they find a lower price on something you purchased. Think of it like an easy way to guarantee you get the lowest price in town on everything you buy.</p> <p>I've been using the app for close to a year and my balance is currently at $42.92. That's a pretty good return on probably 15 minutes of my time. Then when you want to cash out, you can either get a Wal-Mart gift card or redeem via Bluebird by American Express.</p> <h2>5. The Ibotta App</h2> <p>The popular <a href="http://ibotta.com/r/jcsgjbv" target="_blank">Ibotta's</a> tagline, &quot;Better Than Coupons,&quot; pretty much sums it up. Instead of clipping coupons, you redeem rebates on hundreds of grocery store items, most of which you'll be buying anyway, and get money back.</p> <p>What makes the app stand out from the competition are the rebates available for generic items bought at <em>any</em> store. Buy a loaf of bread or a gallon of milk from the local corner store, and you can redeem a rebate on each. Then team up with friends and family to start earning cool $5 teamwork bonuses every month and your account balance will really grow. Once your account reaches $20, you can cash out via PayPal, Venmo, or a slew of gift cards from popular retailers.</p> <h2>6. Take Advantage of Loyalty Programs</h2> <p>While loyalty programs often get a bad reputation as nothing more than a way for retailers to push advertising on you, they actually serve as a <a href="http://www.wisebread.com/9-store-loyalty-programs-that-are-worth-it">great way to save</a> if you do it right. The key is to only join the programs that'll give you rewards on purchases you'd be making anyway. Here are a few awesome free programs that jump to mind.</p> <ul> <li><a href="https://www.cvs.com/extracare/landing.jsp">CVS ExtraCare</a>: You earn a flat 2% back in ExtraBucks from almost all your purchases. (Excludes alcohol, lottery, gift cards, postage stamps, fishing licenses, and the like.) In addition, once you fill 10 prescriptions you get $5 back in ExtraBucks.<br /> &nbsp;</li> <li><a href="https://www.walgreens.com/balancerewards/balance-rewards.jsp">Walgreens Balance Rewards</a>: Earn 10 points for every dollar spent. Then once you reach 5,000, points you get a free $5 reward.<br /> &nbsp;</li> <li><a href="http://www.homedepot.com/c/pro_xtra">HomeDepot Pro Xtra</a>: Home Depot's loyalty program is a no-brainer if you buy in large quantities. After joining, you start with $20 of your first $200+ purchase. Then you get access to additional savings after that, like 10% off your $2,000+ paint order.<br /> &nbsp;</li> <li><a href="http://www.safeway.com/ShopStores/RewardPoints.page">Safeway RewardPoints</a>: Along with specific in-store reward deals, Safeway's program allows you to save significant money on your gasoline bill every year. When you spend up to $100 at Safeway, you get a $.10/gallon discount on Safeway gas. Spend $200, and they double it to $. 20 cents less per gallon.<br /> &nbsp;</li> <li><a href="http://www.wisebread.com/the-best-store-credit-card-target-redcard">Target REDcard</a>: The Target card works a little different from most as it connects to your checking account and works as a debit card. The strong benefits of 5% off every order, free shipping from Target.com, and 30 extra return days makes it a great option for loyal Target shoppers.</li> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/6-highly-effective-ways-to-save-without-clipping-a-coupon">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-4"> <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/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">6 Smart Ways to Save Money This Year (Without Clipping a Coupon)</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/the-6-shopping-mistakes-keeping-you-from-a-great-deal">The 6 Shopping Mistakes Keeping You From a Great Deal</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/the-10-best-couponing-apps">The 10 Best Couponing Apps</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/5-things-millennials-can-learn-about-saving-money-from-gen-x">5 Things Millennials Can Learn About Saving Money From Gen-X</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/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps cash back coupons insider secrets loyalty programs markdowns sales saving money stores Wed, 14 Sep 2016 10:30:11 +0000 Kyle James 1791538 at http://www.wisebread.com 6 More Apps That Pay You to Shop http://www.wisebread.com/6-more-apps-that-pay-you-to-shop <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-more-apps-that-pay-you-to-shop" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/19250271.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Not into <a href="http://www.wisebread.com/50-best-deals-coupons-sites">cutting coupons</a>? With the help of technology, you no longer have to spend hours looking over the Sunday paper and trying to creatively get around print limits. Several apps make saving money on groceries much simpler and all at your fingertips.</p> <p>These six apps will help you save money on your grocery bill, help you find the best money on certain items, and even earn you cash back</p> <p>See also: <a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop?ref=seealso">8 Apps That Actually Pay You to Shop</a></p> <h2>1. Your Favorite Store's App</h2> <p>Depending on what store you shop at, there is probably an app for it. I live in Southern California and shop frequently at Vons. All I did was attach my Vons loyalty card to the app, and I automatically had over 100 coupons available to use. Not only do they offer store coupons, like $5 off $20, but they also offer the manufacturer's coupons that are found in the Sunday newspaper.</p> <p>My Vons app also gives me coupons based off what I buy. So if I buy organic chicken one week, then it might have an organic chicken coupon on the app the next week. Also, since my Vons has a Starbucks, I receive special coupons and free drinks through the app, too.</p> <p>Whole Foods is another store that has coupons on its app. Usually, Whole Foods is on the expensive side. However, if I am in the area and there is a good price on a certain product, it is easy to just run in for one or two discounted groceries.</p> <h2>2. Flipp</h2> <p><a href="https://flipp.com/">Flipp</a> matches local circular deals with coupons, allowing consumers to see the best price matches for their area. You can also connect your loyalty card numbers with the app, so that your personalized store coupons will sync with the deals. Since you have all of the current circulars in one spot, you can easily price match our favorite deals at a store that price matches.</p> <p>For example, if your local Wal-Mart will price match with online circulars, then you can simply show them this app, rather than keeping track of several different papers. Some stores will require the physical ad for price matching purposes, so know your store's policy before you shop.</p> <h2>3. Checkout 51</h2> <p><a href="https://www.checkout51.com/">Checkout 51</a> is very similar to<a href="https://ibotta.com/r/jcsgjbv">Ibotta</a>. All you have to do is buy one of the special offers (right now any brand of milk will earn you $.50 and tomatoes will earn $.25), scan the product bar code, and upload the receipt. It is very simple and quick to use. I like that all of the offers are right on the front screen, and you do not need to shop at a certain store. This means that if you find a gallon of milk at the .99 Cent Store, you can redeem it, whereas Ibotta does not offer that store for cash back.</p> <p>The Ibotta app still offers more cash back offers, but you don't have to pick one or the other. You can use both to get the most cash back possible. For example, if there is a $1.00 cash back offer for Enjoy Life cookies on Ibotta and Checkout 51, you can get $2 back from scanning your bar code and receipt on both apps. (See also: <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?ref=seealso">The Best Cash Back Sites to Earn Thousands Per Year</a>)</p> <h2>4. BerryCart</h2> <p><a href="http://www.berrycart.com/">BerryCart</a> is another cash back offer app that features healthy foods offers. This app pairs well with the Whole Foods app, since many of the deals will overlap, allowing you to get organic and non-GMO groceries for free or very little.</p> <h2>5. RedLaser</h2> <p>Not sure if you are getting the best deal on an item? Simply open up your<a href="http://redlaser.com/application/">RedLaser</a> app and scan the bar code. Not only will RedLaser show you which online stores have a better price on an item, but it also uses GPS to show you the price of that item at stores close to you. For example, if you wanted a certain book and went into Barnes and Noble to buy it, you could scan the bar code and find that the Target next door has the same exact book for $2 cheaper.</p> <h2>6. Shrink</h2> <p><a href="http://www.shrinktheapp.com/">Shrink</a> is a fun app to use. You can earn points, as well as cash back. You can earn points for sharing an item on Facebook, referring friends, and doing other small tasks. These points can then be redeemed for coupons and free grocery products. When you buy certain items, you can then earn cash back for that product. The only drawback is that Shrink features a lot of harder to find, specialty health food items. You might be able to find the products at your local Whole Foods. For example, I was interested in trying a new product called Mother-in-law's Kimchee, but the nearest location I could find it at was a specialty store 150 miles away.</p> <p>To save even more money on your groceries and earn more cash back, look up price matches before you go. Simply Google &quot;(store name) + price match + (current week or month).&quot; Many websites will easily lay out the best deals for certain stores, as well as which app cash back rebates are available.</p> <p><em>What's your favorite app to use at the grocery store?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/6-more-apps-that-pay-you-to-shop">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/the-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-ways-to-save-money-this-year-without-clipping-a-coupon">6 Smart Ways to Save Money This Year (Without Clipping a Coupon)</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/how-to-find-the-best-back-to-school-sales">How to Find the Best Back to School Sales</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/8-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping apps berrycart cash back checkout 51 coupons deals groceries ibotta price matching Mon, 18 Jul 2016 09:00:09 +0000 Ashley Eneriz 1753205 at http://www.wisebread.com The 6 Shopping Mistakes Keeping You From a Great Deal http://www.wisebread.com/the-6-shopping-mistakes-keeping-you-from-a-great-deal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-6-shopping-mistakes-keeping-you-from-a-great-deal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_shopping_71503441.jpg" alt="Woman making shopping mistakes keeping her from a great deal" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In today's digital retail world, there are plenty of clever ways to save money while shopping, including traditional coupons, price protection policies, or cash back apps. But unfortunately, many shoppers still make some big mistakes along the way &mdash; mistakes that result in them paying way more than they should, either online or in-store. Here are some of the most common mistakes, and how to avoid them in the future.</p> <h2>1. Failing to Compare Prices</h2> <p>If you're blindly making purchases without investigating price, you're clearly spending more than you should. With the advent of smart shopping apps like&nbsp;<a href="http://shopsavvy.com/">ShopSavvy</a> and <a href="http://itunes.apple.com/us/app/quick-scan-barcode-scanner/id446067710" target="_blank">Quick Scan</a>, there's no reason not to compare prices on significant purchases. These apps work by simply scanning the item's bar code, and within seconds, you'll know if the product is sold cheaper down the street or online. Get in the habit of using one of these apps regularly and you'll never overpay again.</p> <h2>2. Never Considering Price-Protection Policies</h2> <p>While Amazon recently axed their seven-day price protection policy, many popular retailers still offer it. This is important to know, as retailers are always trying to anticipate demand and thus are constantly changing their prices, especially online. Take advantage of the following retailers' price-protection policies.</p> <ul> <li><strong>Best Buy (15 days):</strong> For an in-store purchase, simply return with your receipt and head straight to customer service. For an online purchase, call them at 1-888-BESTBUY to request your price adjustment.<br /> &nbsp;</li> <li><strong>Costco (30 days):</strong> Hang onto your receipt and if you notice a lower price within 30 days, simply visit the customer relations desk and receive the difference. If for some reason you lose your receipt, you can always return the item (no receipt required) and rebuy at the lower price.<br /> &nbsp;</li> <li><strong>Dick's Sporting Goods (14 days):</strong> For in-store purchases, you must return to the store of original purchase, with receipt, to get your price adjustment. For online purchases, call them at 1-877-846-9997 to request a price adjustment.<br /> &nbsp;</li> <li><strong>Home Depot (14 days):</strong> Bring the item and receipt back to the store within 14 days if the price has been lowered. For online purchases, you can call customer service at 1-800-430-3376.<br /> &nbsp;</li> <li><strong>Kohl's (14 days):</strong> You'll need the original receipt to get a Kohl's price adjustment within 14 days or purchase. Items that don't qualify include clearance, BOGO, and Kohl's Cares merchandise.<br /> &nbsp;</li> <li><strong>Macy's (14 days):</strong> Simply bring back your receipt within 14 days for in-store purchases. For online orders, <a href="https://www.customerservice-macys.com/app/help/price_adjust#formstart">use this form</a> to get your price adjustment.<br /> &nbsp;</li> <li><strong>Staples (14 days):</strong> Take your original receipt back to Staples within 14 days and get the lower price. For an online purchase, call them at 1-800-333-3330 to get your price adjustment.<br /> &nbsp;</li> <li><strong>Target (7 days):</strong> Bring your receipt in, within seven days, if the item you bought goes down in price. Clearance items are not eligible for price protection. Also, keep an eye out on competitor's pricing as Target will also price match the following retailers within seven days of your purchase: Amazon, Walmart.com, BestBuy.com, ToysRUs.com, and BabiesRUs.com.<br /> &nbsp;</li> <li><strong>Wal-Mart (7 days):</strong> Wal-Mart will refund the difference if the price drops within seven days of your purchase. Exclusions include clearance, special buys, and value of the day products.</li> </ul> <h2>3. Buying the Wrong Items in Bulk</h2> <p>When it comes to buying items in bulk from warehouse clubs like Costco and Sam's, some items don't make the grade and should stay out of your shopping cart completely. Here are some to be aware of.</p> <ul> <li><strong>Brown rice:</strong> Due to the oil content in brown rice, it only lasts for three to six months on average, compared to an indefinite shelf life for white rice. Only buy what you can consume in a few months.<br /> &nbsp;</li> <li><strong>Condiments:</strong> Unless you eat hot dogs and hamburgers on a daily basis, you'll hardly ever use up all of the ketchup, mustard, and mayonnaise before they go bad.<br /> &nbsp;</li> <li><strong>Cooking oils:</strong> They just don't have a very long shelf life, so only buy if you know you'll use them before their expiration date.<br /> &nbsp;</li> <li><strong>Nuts:</strong> Because they are loaded with oil, they tend to go rancid fairly quickly. Even when stored in an ideal temperature and humidity, they only last a couple of months.<br /> &nbsp;</li> <li><strong>Bleach:</strong> This one was a surprise to learn. Apparently bleach is only usable for three to six months; after that it starts to lose its effectiveness.<br /> &nbsp;</li> <li><strong>Baking powder:</strong> A big box of baking powder is often a bad buy, as you typically don't need much, and it only lasts for six to 12 months, depending on how you store it.<br /> &nbsp;</li> <li><strong>Beer:</strong> Many shoppers will stock up on beer for an upcoming party and overbuy, leaving them with a lot leftover. If you're not a beer drinker, be warned that most beers only have a shelf life of three to five months.</li> </ul> <h2>4. Assuming the Final Price Is What You Have to Pay</h2> <p>If you assume the price on the tag is what you're stuck paying, you're clearly doing it all wrong. You've failed to consider money-saving tools like coupons, cash back, and the idea of&nbsp;<a href="http://www.wisebread.com/11-retailers-where-you-can-negotiate-a-lower-price">negotiating a lower price</a>. Here is how to take advantage of each:</p> <ul> <li><strong>Coupons:</strong> When shopping in-store, arm your smartphone with the&nbsp;<a href="http://www.couponsherpa.com/mobile-coupons/">CouponSherpa</a> and&nbsp;<a href="http://www.retailmenot.com/mobile/">RetailMeNot</a> apps. The combination of both will provide you with a plethora of coupons to thousands of stores which the cashier can simply scan when you're checking out.<br /> &nbsp;</li> <li><strong>Cash back:</strong> Use free apps like&nbsp;<a href="https://ibotta.com/r/jcsgjbv">Ibotta</a> and&nbsp;<a href="https://checkout51.com/">Checkout51</a> gather rebates at the grocery store on items you'll be buying anyway. You will be amazed how quickly your cash back rebates add up. (See also: <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?utm_source=wisebread&amp;utm_medium=seealso&amp;utm_campaign=article">Earn Thousands Per Year with These Cash Back Sites</a>)<br /> &nbsp;</li> <li><strong>Negotiate:</strong> Always look for damaged packaging, floor models, and imperfect items and negotiate a deal. Often times they will already be marked down, but managers want them out of the store quickly. To accomplish this, they will often sweeten the deal for you by 10% &mdash; 20% if you politely ask.</li> </ul> <h2>5. Always Buying Brand New</h2> <p>If you have the mindset that &quot;new is always better,&quot; you're making a big shopping blunder. If you can&nbsp;<a href="http://www.wisebread.com/8-things-you-should-always-buy-used">consider buying used</a> when making big purchases like a new car, to small purchases like textbooks, furniture, tools, and exercise equipment, you'll save significant money. After all, it makes smart financial sense to let someone else take the depreciation hit. While Craigslist is the obvious place to start your search, don't forget about&nbsp;<a href="http://gsalr.com/">GSALR.com</a> which helps you find garage sales in your local area. The site even offers a Google map to each garage sale and allows you to filter your search by specific keywords like &quot;furniture,&quot; &quot;baby clothes,&quot; or &quot;golf clubs.&quot;</p> <h2>6. Stocking Up Because It's a &quot;Deal&quot;</h2> <p>Do you ever fight the temptation to stock up when you find a good deal, even if in the back of your mind you know you don't need more than one? It's an easy trap to fall into and it often leads to overspending. An easy way to remedy this problem is to stick to your shopping list, and budget, and know that buying excess &quot;deals&quot; often leads to excess waste.</p> <p><em>What shopping mistakes have led you to overspend in the past?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/the-6-shopping-mistakes-keeping-you-from-a-great-deal">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/the-10-best-couponing-apps">The 10 Best Couponing Apps</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/6-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</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-times-coupons-trick-you-into-spending-more-money">5 Times Coupons Trick You Into Spending More Money</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-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</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/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping cash back coupons deals discounts negotiation price comparisons price protection sales saving money Tue, 28 Jun 2016 10:00:09 +0000 Kyle James 1738706 at http://www.wisebread.com 25+ Easy Ways to Save Money But Still Get What You Want During Holiday Shopping http://www.wisebread.com/25-easy-ways-to-save-money-but-still-get-what-you-want-during-holiday-shopping <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/25-easy-ways-to-save-money-but-still-get-what-you-want-during-holiday-shopping" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000049983888.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you love it or you hate it, the gift giving season is here. If you buy gifts for the holiday season and you're not one of the lucky people who are already DONE &mdash; because you strategically purchased your gifts all year (by the way, congrats, kudos, and high five to you) &mdash; then it's time to gear up for the shopping season. But don't let what should be a fun and exciting time, become a stressful, exhausting, and masochistic exercise in worrying about budgets, costs, and spending. Below are 30 ideas and tips to help you save and put cash <em>back</em> in your pocket this holiday season.</p> <h2>Cash Back Sites Will Put Money Back in Your Pocket</h2> <p>Cash back sites are a must-do for holiday shopping. They provide cash back whether you shop online or in the store. These sites work by sharing the wealth. They earn a commission each time you click through to a store from their site and make a purchase. In return, they give you a portion, anywhere from 1-30%!</p> <h3>1. Check Traditional Cash Back Sites</h3> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=28187">Ebates</a> is probably the most well-known cash back site with an awesome deal to encourage you to try them out. Get a $10 bonus (in the form of a gift card) when you join and make your first eligible purchase of at least $25. That's $10 <em>plus </em>whatever cash back you earn for making a purchase! Right now ebates is offering 8% back at Old Navy, 7% at Amazon, 4% back at Walmart, 6% back at Kohl's, Nordstrom, and JCPenney, and much more! To get this cash back, all you have to do is click on the store via the ebates sites. That's it! Then just shop as usual and watch your cash back grow in your ebates account.</p> <p>Ebates isn't the only game in town, however. With&nbsp;<a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">more than 30 cash back sites</a> out there and the holiday sales season upon us, spend a little time comparing rates and sign up bonuses for the best deal.</p> <h3>2. Use Retail Shopping Cash Back Apps</h3> <p>Did you know that some of these sites offer cash back for retail stores? Even better, you can shop brick and mortar stores, not just online. Best of all, the rate could be even better than those of the traditional cash back sites.</p> <p><a href="https://ibotta.com/r/jcsgjbv">Ibotta</a> is a shopping app that offers a lot of bang for the buck. Not only do they have the most cash back grocery offers (like $1 off Ben &amp; Jerry's ice cream), they also have great deals on various retail stores. For example, they're currently offering $10 back for spending $75 at stores like JCPenney and Talbots, and $15 back for spending $50 at Hanes.com! That's up to 30% back!</p> <p>Want more good news? Unlike traditional sites, you can use any coupon you want, AND you can pay with a gift card. You simply upload your receipts to Ibotta and once the purchase is verified, the cash shows up in your account.</p> <h3>3. Look For Credit Card Shopping Portals</h3> <p>When reviewing your cash back options, don't forget to look at your credit card. Many offer online shopping portals that act just like traditional cash back sites. Depending on your credit card, you may get points or cash back. Sometimes you can get a much better rate through the credit card shopping portal, so it really is worth comparing. Awarded points typically show up during the next billing cycle.</p> <h2>Score Free Gift Cards and Cash for a Holiday Budget Boost</h2> <p>Would scoring a few hundred dollars in cash and free gift cards help your holiday budget? Well there's still time, and getting started is easy.</p> <h3>4. Bing for Free Gift Cards</h3> <p>Millions of people do it, but there are so many more who haven't yet taken the plunge! You can legitimately get paid to search the Internet.&nbsp;<a href="http://bing-rewards.evyy.net/c/27771/89275/2168">Bing has a rewards program</a> that pays you to use their search engine on your computer and smartphone. Earn .25-.45 a day by doing something you probably do multiple times a day anyway. The daily earning amount might sound paltry but it adds up, especially if there is more than one person in your household and you cash out for the same thing. Just two people in the same home using&nbsp;<a href="http://www.wisebread.com/make-an-extra-200-a-year-just-by-doing-this-online">Bing can net you about $200 in free gift cards a year</a>.</p> <h3>5. Check Your Email</h3> <p><a href="http://trk.cotterweb.net/?a=13562&amp;c=1&amp;s1=">Inbox Dollars</a> is another program that pays you to search the Internet. Unlike Bing, however, Inbox Dollars is not a search engine, but a &quot;get paid to&quot; website where members can earn cash cards by performing multiple tasks such as completing surveys, trying out offers, watching videos, and yes, searching the Internet.</p> <p>One unique aspect of their program is that you can get paid to read emails that they send you. You can choose to get involved in all of the earning options there, but it's good to know that like Bing, if you do nothing other than use their search function, and do it with a partner (and add in the paid emails for good measure), you can add a few hundred dollars a year to your holiday budget. Sign up today to get a&nbsp;<a href="http://trk.cotterweb.net/?a=13562&amp;c=1&amp;s1=">$5.00 signup bonus</a>!</p> <h3>6. Add Some Swag to Your Holiday Budget</h3> <p><a href="http://swagbucks.7eer.net/c/27771/19503/799">Swagbucks</a> is probably the largest and most well-known of the &quot;get paid to&quot; programs. To date, they have awarded members with more than 100 million dollars in cash and gift cards. What do you have to do? Watch videos, complete surveys, offers, and play games, but the difference between Swagbucks and similar sites is the breadth of earning options available.</p> <p>To me, the best part of the site is the ability to earn by using your smartphone to watch videos. Swagbucks has a number of phone apps, and if you do nothing more than max out the videos available on the apps each month you'll have earned $25 in cash or gift cards. Put in a little more effort and it's fairly easy to earn $50 a month. Getting $600 a year for free definitely clears the way for you to keep your hard earned money in your pocket during the holidays. Sign up today for a&nbsp;<a href="http://swagbucks.7eer.net/c/27771/19503/799">$5 sign up bonus</a>!</p> <h3>7. Sign up for a New Account</h3> <p>You can often score some nice bonus cash for signing up for a new bank account or a new credit card. Some credit cards offer <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up">as much as $500</a>. (See also: <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=seealso">Best Miles Sign Up Bonuses</a> and <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=seealso">Best Cash Offers for Credit Card Sign Ups</a>)</p> <h2>Save and Earn With Gift Cards</h2> <p>Whether the person you're buying for likes to receive gift cards as a gift, or likes stuff from a store that sells their own brand of gift card, you can save or make some holiday cash by doing one or all of these.</p> <h3>8. Purchase Your Gift Cards from a Discount Site</h3> <p>There are a number of reputable websites like&nbsp;<a href="http://www.giftcards.com/discount-gift-cards">Giftcards.com</a> or&nbsp;<a href="https://www.raise.com/">Raise.com</a>. You could save anywhere from 1-25%.&nbsp;<a href="http://www.jdoqocy.com/click-2822544-11949187-1442871035000">Gyft</a> is offering a $5 bonus on any gift card purchase of $15 or more. That's means a possible 33% savings right off the bat. Use your cards to buy gifts, stack with coupons and a sale, and that savings adds up!</p> <h3>9. Sell Your Gift Card for Cash</h3> <p>Have unwanted gift cards, or ones that you don't see yourself using any time soon? Sell them for extra cash and use it to fund your holiday budget. Depending on the brand, you could get up to 80% of your gift card's face value. Go to the aforementioned websites to see.</p> <h3>10. Buy a Gift With Your Gift Card</h3> <p>So you received a retail gift card as a present and you haven't used it yet. If there is someone on your holiday list who likes something from that store, use the gift card on them instead of buying something for yourself. You'll keep cash in your pocket and put a smile on someone's face. (See also:&nbsp;<a href="http://www.wisebread.com/4-ways-to-get-the-most-out-of-gift-cards?ref=seealso">4 Ways to Get the Most Out of Gift Cards</a>)</p> <h2>Increase or Stretch Your Holiday Budget With eBay</h2> <p>Use eBay to its fullest potential during the holiday to save or earn extra cash.</p> <h3>11. Sell Your Stuff on eBay</h3> <p>You may have read it a million times before, but it bears repeating. Make some money by selling stuff on eBay. With a little effort you could have an extra $100-$500 cash for your holiday spending in no time. Think you don't have anything to sell? I bet you do. You wouldn't believe the crazy&nbsp;<a href="http://www.wisebread.com/6-weird-things-to-sell-on-ebay-for-extra-cash">things that actually make money on eBay</a>.</p> <h3>12. Purchase or Sell a Coupon on eBay</h3> <p>Sounds crazy, but every little bit helps. Would you spend $5 to save $25, $50, or $100? I would, and have when the coupon or discount is from a store where they are hard to come by. Sometimes retailers send discounts and coupons to a select group of people. Savvy folks who know they won't use them, sell them on eBay for extra cash. Buy one to save some money, or sell your own coupons. It's a win-win.</p> <h3>13. Purchase a Discount Gift Card on eBay</h3> <p>Many times you can get a better deal by purchasing a gift card at a discount on eBay than from discount gift card websites. Always check both to be sure. When in the market for a larger denomination, I've scored 25% off of the face value by purchasing on eBay. Combine that with a crazy sale and a coupon and that's some mad holiday savings you've got going on.</p> <h3>14. Purchase Your Gift at a Discount eBay</h3> <p>Have you ever purchased anything for yourself on eBay to get a great price? Why not buy a gift for someone else that way? There are tons of NIB (new in box) items that have never been used or worn that people are selling because they're not using. Get the gift you want for less. Before you bid (or buy it now), don't forget to check the discount gift card sites to see if there are any discounted eBay gift cards for sale. Get your bargain at a discount, I always say.</p> <h2>Use Credit Card Rewards and Benefits</h2> <p>If you have credit and/or loyalty cards that earn points with purchase, now is the time to redeem them and shrink your out-of-pocket spending for the holidays.</p> <h3>15. Redeem Credit Card Points</h3> <p>If you're like my husband and I, you put as much as you can on your credit card and immediately pay it when it is due, which nets us a couple of hundred dollars a year in points. (See also:&nbsp;<a href="http://www.wisebread.com/best-credit-cards-for-the-holidays?ref=seealso">Best Credit Cards for the Holidays</a>)</p> <p>Many cards offer a cash option, like requesting a check or applying points to your bill. They also have gift card malls where you can redeem your points for your favorite retailer. If you're lucky, you'll catch the card you want at a discounted points price, which means you're saving money <em>and </em>stretching your points so they go further.</p> <h3>16. Use Airline Miles and Hotel Points</h3> <p>Many airline and&nbsp;<a href="http://www.wisebread.com/breakdown-of-benefits-and-value-of-the-best-hotel-rewards-programs-and-credit-cards">hotel point programs</a> offer the ability to exchange points for gift cards. This often overlooked feature can decrease your out-of-pocket holiday expenses. Redeem your points for gift cards and use those to purchase a present or two. (See also:&nbsp;<a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=seealso">5 Best Airline Credit Cards</a>)</p> <h3>17. Check for Credits, Discounts, and Perks</h3> <p>In addition to receiving points for purchases, some credit cards have a &quot;special benefits&quot; section with offers that can save you money like a statement credit with purchase. For instance, I have received an offer of a $50 statement credit when purchasing at least $100 at a big, well-known retailer by a certain date. I have also seen smaller offers like a $5 statement credit with a gas purchase of $25 or more at specific stations. Every little bit helps! Combine your offers with a sale, add a coupon, and pay the balance off with points, and you'll be all kinds of jolly over the savings.</p> <h2>Research Store Offers</h2> <p>Don't forget about the extra savings you can get through special offers from stores, including bundles or free gift cards for purchases.</p> <h3>18. Take Advantage of Bundles and Bonuses</h3> <p>Increase your holiday gift savings and put some cash back in your pocket by looking for bonuses and bundles. To encourage you to buy higher end items like televisions, computers, and smart phones, retailers may offer a bonus on top of a sale. The bonus may be in the form of some kind of bundle, but could also take the shape of gift cards to that store.</p> <p>Target and other retailers are known for doing this, and it can be an awesome deal, especially on items that never go on sale. Take Apple products, for example. Apple is notorious for not having sales. During the holiday season, however, they usually offer a gift card when purchasing specific items.</p> <p>That's great, but before you hop on that deal, check out other stores first to see what they are offering with purchase. You may find that the gift card amount at other stores is greater (think $50-$150) than at Apple. So not only do you get a better discount, you can use that gift card bonus at a store that offers a wider range of goods and check off other items on your holiday gift giving list. Or you could sell the gift card for actual cash.</p> <h3>19. Check Out Jet</h3> <p>You may have seen commercials for new online retailer&nbsp;<a href="https://jet.com/shop">Jet</a>. Touted as an alternative to Amazon, many commenters say the prices are better. My thoughts? It's definitely worth a look. I found that Amazon's selection is simply much greater than Jet, but it was easy enough to find things that I would want to buy.</p> <p>How about the prices? It depends. Sometimes Jet's prices were better, sometimes not. However, Jet is being aggressive with promotions right now, like 20% off and $10 off. Since Amazon doesn't offer such discounts, you could find that Jet is the better deal this holiday season.</p> <h3>20. Love Target? Save Even More</h3> <p>Remember that&nbsp;<a href="http://www.wisebread.com/the-best-store-credit-card-target-redcard">Target REDcard</a> credit and debit card holders receive an extra 5% off of their purchases. The discount works in stores and online, and after all other coupons and discounts have been factored in. Plus, REDcard holders receive free shipping on purchases from Target.com with no minimum purchase every day, and an extra 30 days for returns. Download their&nbsp;<a href="http://goto.target.com/c/27771/103560/2092">Cartwheel mobile</a> app and gain access to additional discounts that aren't advertised to the general public. Combining these discounts could either get you to the best price, or make the best price even sweeter.</p> <h3>21. Stack Your Discounts in Novel Ways</h3> <p>To get your best deal, put all of your cards on the table: sales, coupons, (discount) gift cards, credit card points, statement credits, loyalty card points, and cash back sites; and try different combinations. For example, buy a discount gift card with a points earning credit card. Get your best sales price, find a coupon to lower the price even more, and pay for the item with your discounted gift card. If it's something that has a cash back deal on a shopping app like Ibotta, and you've spent the minimum amount, upload your receipt, get a cash rebate and save even more! Use the points earned through your credit card purchase and redeem for cash or free gift cards! There are hundreds of different savings combinations. Find what works for you.</p> <h3>22. Don't Forget About Price Adjustments and Matches</h3> <p>After you've stacked all of the discounts you can to maximize your savings, don't miss out on the potential cash back that can come from&nbsp;<a href="http://www.wisebread.com/dont-pay-more-guide-to-price-matching-and-cheat-sheet">price adjustments and matches</a>. Big retailers like Target, Walmart, Kohl's, Best Buy, Amazon, and other large and smaller stores have price adjustment/match policies which provide a little extra insurance that you are getting the best price. (See also:&nbsp;<a href="http://www.wisebread.com/heres-how-to-get-a-sale-price-match-at-16-popular-stores?ref=seealso">Here's How to Get a Sale Price-Match at 16 Popular Stores</a>)</p> <p>But what if you forget to check, don't have time, or feel it's not worth the hassle? If you've purchased some of your gifts online, let&nbsp;<a href="https://paribus.co/">Paribus</a>, seek out a price adjustment for you. In a nutshell, Paribus will search for a better price on that gift that you purchased online and get the difference back for you. Some credit cards also offer similar services. Many credit cards offer price protection for purchases within 30-60 days. (See also: <a href="http://www.wisebread.com/10-awesome-credit-card-perks-you-didnt-know-about?ref=seealso">Awesome Credit Card Benefits You Didn't Know You Had</a>)</p> <h2>Try Novel Gift Options</h2> <p>There are ways to be part of the gift giving without dropping a ton of cash.</p> <h3>23. Regift</h3> <p>Often overlooked or thought of as tacky, or cheap, regifting gets a bad rap that it doesn't deserve. If you've received a gift card, or lovely store bought item that you'll never use and know someone who will genuinely appreciate it, give it to them! What's better, having something sit in a closet collecting dust and taking up space, or having someone get real enjoyment out of it? (<a href="http://www.wisebread.com/regifting-a-simple-how-to-guide">See also: The Rules for Regifting</a>)</p> <h3>24. Turn Gift Giving into Events and Games</h3> <p>Instead of buying something for everyone in the office or even in the family, pool the gift giving into fun activities like Secret Santa or White Elephant. This allows you to only spring for one person in the group, without it being awkward or strange. (See also:&nbsp;<a href="http://www.wisebread.com/15-genius-gifts-for-office-secret-santa?ref=seealso">15 Genius Gifts for Office Secret Santa</a>)</p> <h3>25. Think Homemade</h3> <p>If you have a lot of people on your gift giving list like neighbors and co-workers, think homemade! Who doesn't love&nbsp;<a href="http://www.wisebread.com/15-unique-holiday-gifts-you-can-bake">fresh baked cookies or other treats</a>? How about a bottle of&nbsp;<a href="http://www.wisebread.com/10-homemade-liqueurs-to-bottle-now-for-tasty-holiday-gifts">homemade liqueur</a>? After years of accumulating things, sometimes these become the most favorite gifts of all. (See also: <a href="http://www.wisebread.com/25-gifts-you-can-make-today">25 Gifts You Can Make Today</a>)</p> <h3>26. Offer Time and Services</h3> <p>If you're truly looking for some gift ideas when you're broke but have lots of time, try offering services, like babysitting, petsitting, cooking, or anything else that a busy person would appreciate. We've got a list of&nbsp;<a href="http://www.wisebread.com/15-genius-gifts-for-office-secret-santa">20 Great Ideas for Free Gifts</a>. (See also: <a href="http://www.wisebread.com/how-to-spend-almost-nothing-on-gifts-this-year?ref=seealso">10 Gift Ideas That Cost Almost Nothing</a>)</p> <h3>27. Buy Nothing. Bah Humbug!</h3> <p>This is for all who eschew our consumerist ways and think we should just buy nothing. The best way to save is not to spend, after all. There, I've said it. And it's true. Did that change your mind? Not this year? Well, maybe in the future. Here's to a happy, safe, and <em>inexpensive </em>holiday season for all!</p> <p><em>What's your best money saving tip during the holidays? Let me know 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/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/25-easy-ways-to-save-money-but-still-get-what-you-want-during-holiday-shopping">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-get-5-cash-back-on-holiday-purchases">How to Get 5% Cash Back on Holiday Purchases</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/the-best-5-credit-cards-for-groceries">The Best Credit Cards for Groceries</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/best-credit-cards-for-the-holidays">Best Credit Cards for the Holidays</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/surprising-ways-to-save-even-more-on-black-friday">Surprising Ways to Save Even More on Black Friday</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/credit-card-rewards-programs">Credit Card Rewards Programs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping cash back cash back rewards holiday shopping Mon, 07 Dec 2015 16:00:26 +0000 Kim Owens 1618547 at http://www.wisebread.com 5 Habits That Kill Your Buying Power http://www.wisebread.com/5-habits-that-kill-your-buying-power <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-habits-that-kill-your-buying-power" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_no_money_000064424505.jpg" alt="Woman breaking habits that kill her buying power" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With the busy shopping season upon us, you're probably striving to get bigger and better deals. But there are some actions that actually hinder your buying power and cause you to overspend.</p> <p>Here are five things you may be guilty of doing that prevent you from getting the best deal available.</p> <h2>1. Lack of Comparison Research</h2> <p>One of the biggest mistakes is not shopping around or doing research before making a purchase. Too many of us believe that the price displayed is the lowest available, but this isn't always the case. Sometimes stores will slash prices due to overstocked inventory, or a local region will be doing a promotion not offered anywhere else. It pays to take the time to research and comparison shop before making your final purchase.</p> <h2>2. Not Knowing Your Credit Score</h2> <p>Not knowing your credit score can greatly reduce how much your credit card limit will be, or how much you can apply for when taking out a personal loan. Your credit score is the most important number that financial institutions consider. In addition, you could qualify for a lower interest rate (or be stuck with a higher one) depending on your credit score. This could save (or cost) you hundreds of dollars in interest fees and charges.</p> <h2>3. Rushing Into a Buy</h2> <p>Consumers tend to spend more money when they need something in a hurry. Needing to buy something at the last minute isn't always avoidable, but strive to take your time, really evaluate whether or not you <em>have</em> to purchase this item right now, and wait for at least 24 hours to ensure you can find the best deal possible. Also abide by this 24-hour rule before buying something &mdash; if you forget about it the next day, it wasn't really worth buying in the first place.</p> <h2>4. Not Asking the Right Questions</h2> <p>As consumers, we often forget how a simple question can save us a good chunk of change. Much like price matching, simply negotiating for a better price will usually pay off. Sometimes stores will still take expired coupons, a cash payment for less instead of a card, or the manager may alert you to a holiday promotion coming up. Just ask.</p> <h2>5. Missing Out on Cash Back</h2> <p>Between <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">cash back credit cards</a> and <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">cash back websites</a>, there's no lack of opportunity for you to maximize your buying power by earning cash back on all your purchases. These simply allow you to get money back for doing the shopping you were already planning on doing. It's one extra step (going to the cash back site to go to the shopping site, or using the right credit card to make the purchase), but considering the savings, it's always worth it. With the right credit card, you can get up to 6% <a href="http://www.wisebread.com/how-to-save-an-extra-109486-a-year">cash back on everyday purchases</a>.&nbsp;</p> <p><em>What's another way you increase your buying power to ensure the best deal? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-smith">Carrie Smith</a> of <a href="http://www.wisebread.com/5-habits-that-kill-your-buying-power">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-3"> <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/ask-these-8-questions-to-get-a-better-price">Ask These 8 Questions to Get a Better Price</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/7-secrets-to-scoring-the-best-price-when-buying-on-ebay">7 Secrets to Scoring the Best Price When Buying on eBay</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/10-tricks-you-should-learn-from-great-hagglers">10 Tricks You Should Learn From Great Hagglers</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/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping buying power cash back deals negotiating price comparison Mon, 30 Nov 2015 16:00:30 +0000 Carrie Smith 1616760 at http://www.wisebread.com How to Use Travel Rewards Cards to Get Free Trips http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-to-use-travel-rewards-cards-to-get-free-trips" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000062614562_Double.jpg" alt="excited woman credit card miles trip" title="excited woman credit card miles trip" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A bite from the travel bug can be a pricey itch to scratch. One of the easiest ways to <a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers?ref=internal">travel the world for less</a>, is to take advantage of <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal">credit cards that offer travel rewards</a>. Millions of people are able to fly and stay at hotels free (or pretty close to it) thanks to the wonder of rewards miles. Here's what you need to know to get started. (See also: <a href="http://www.wisebread.com/6-ways-my-family-scores-free-travel-with-credit-cards?ref=seealso">6 Ways My Family Scores Free Travel With Credit Cards</a>)</p> <h2>How Credit Card Points Work</h2> <p>Travel credit cards come in many forms. Some are generic bank cards, while others are branded with specific hotel chains or airlines and their affiliates. Despite what logo is printed on the plastic, the concept is the same; every time you (responsibly) swipe the card, you rack up rewards points to use toward a much-needed getaway. There is a seemingly endless variety of cards to choose from, all with their own benefits and features. With a little research, you're sure to find the perfect fit for you and your travel needs. Here are the tried and true tips to getting your free vacation with credit card rewards. (See also: <a href="http://www.wisebread.com/how-travel-rewards-credit-cards-really-work?ref=seealso">How Travel Rewards Credit Cards Really Work</a>)</p> <h2>How to Evaluate Card Options</h2> <p>There are a few basic options to weigh for just about every travel credit card on the market. One of the first things to consider is bonus points. A hefty sign-up bonus may be a marketing tool to reel you in, but they're often worth it &mdash; many will even cover the costs of a domestic flight in and of themselves. Keep in mind though that in order to qualify for the bonus, there will be a minimum spend requirement within a limited time period.</p> <p>See also: <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=seealso2">Best Current Credit Card Sign Up Bonuses for Miles</a></p> <p>The other thing to consider in a travel rewards credit card is their bonus categories. Bonus categories give you extra points for spending on specific things. For example, a <a href="http://www.wisebread.com/5-best-co-branded-airline-credit-cards?ref=internal">co-branded airline card</a> will offer bonus points for purchases made with the airline. If you often fly with a particular airline, you can quickly rack up points with their credit card. Other popular bonus categories include restaurants, supermarkets, and gas. If you spend a lot in these categories, you should look for a credit card that offers bonus points for making those purchases.</p> <p>See also: <a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries?ref=seealso2">Best Credit Cards for Supermarkets</a></p> <p>Finally, consider how you want to redeem your travel rewards. Co-branded airline and hotel credit cards will allow you to use your points through their loyalty program. Some loyalty programs restrict the use of points to designated seats and nights allotted for rewards. Others will offer no restrictions, and allow you to use your points for any seat or night as long as it hasn&rsquo;t been purchased.</p> <p>Other cards will have a travel portal that you have to use in order to redeem your points. Finally, the most flexible travel rewards cards will allow you to book any travel reservation you want, and redeem the points as statement credit toward those purchases.</p> <p>The less flexibility you require, the higher the value of each point you&rsquo;ll be able to get. (See also: <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value?ref=seealso">Which Credit Cards Have the Best Travel Redemption Value</a>)</p> <h2>How to Use the Card</h2> <p>Earning points is not a set-it-and-forget-it type of deal. As long as you're vigilant about paying your credit card bill on time &mdash; and you should be &mdash; forego the cash and pay with plastic. Take advantage of bonus categories and opportunities. For example, some travel credit cards even have their own shopping portal, letting you rack up additional rewards while making purchases through hundreds of partnering online retailers. Set all your monthly subscriptions and payments to your rewards earning credit card. Then watch your points add up.</p> <p>See also: <a href="http://www.wisebread.com/top-seven-reasons-why-i-use-my-credit-card-for-everything?ref=seealso2">7 Reasons I use Credit Cards for Everything</a></p> <h2>How to Plan Out Your Trip</h2> <p>Once you&rsquo;ve started using your card and your points balance begins to grow, start getting an idea of when you&rsquo;ll be able to redeem your points visiting your credit card&rsquo;s travel portal or the travel loyalty program for flights, stays, or packages that you&rsquo;re interested in. Determine the points cost and estimate how long it would take for you to earn enough points based on your regular purchases and expenses. Once you&rsquo;ve got a ballpark figure, you&rsquo;ll know when you can redeem your points for travel.</p> <p>Don&rsquo;t forget that each airline and hotel have partners that either allow you to book through the same loyalty program or transfer points to other programs to book awards as well. Each credit card issuer also have a variety of travel partners.</p> <p>Finally, if you&rsquo;ve chosen a credit card that offers a statement credit on travel purchases, you can just browse any travel booking site to figure the cost of your trip, and use a 1 cent to 1 point calculation to figure out when you&rsquo;ll have enough points to pay for it.</p> <h2>When to Consider Cash Back</h2> <p>Some forms of travel don't lend themselves to rewards points. Maybe you prefer long road trips. Maybe you're planning a cruise. If this is the case, look into a <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">cash back card</a>. Cash back cards will convert the points you earn into credits to spend as cash. This is also a good way to cover incidental expenses and other small costs while traveling. Not to mention you can always use cash for non-travel expenses as well.</p> <p>While cash back cards don&rsquo;t offer the same <em>potential </em>value of travel rewards points (each travel rewards point can be worth a few cents, depending on the type of travel you redeem them for, whereas cash back points are almost always worth 1 cent per point), you won&rsquo;t risk losing out since you can always use cash, whereas you might end up with leftover travel points.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-bellucco">Amanda Bellucco</a> of <a href="http://www.wisebread.com/9-ways-to-use-travel-rewards-cards-to-get-free-trips">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-8"> <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/12-expert-tips-for-redeeming-miles-for-free-travel">12 Expert Tips for Redeeming Miles for Free Travel</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/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</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/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards Credit Cards</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/which-credit-card-should-you-use-to-get-free-hotel-stays">Which Credit Card Should You Use to Get Free Hotel Stays?</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/are-airline-or-travel-rewards-credit-cards-the-better-deal">Are Airline or Travel Rewards Credit Cards the Better Deal?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel cash back frequent flyers hotels miles points rewards travel hacking Mon, 12 Oct 2015 09:00:41 +0000 Amanda Bellucco 1586398 at http://www.wisebread.com Pay Down Debt and Get Cash Back With These 6 Services http://www.wisebread.com/pay-down-debt-and-get-cash-back-with-these-6-services <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/pay-down-debt-and-get-cash-back-with-these-6-services" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_smartphone_apps_000047556166.jpg" alt="Woman using apps to get cash back for paying back debt" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Let's face it &mdash; being in debt sucks. Quite literally, it sucks up your money, and if it makes finances a struggle for you, then it can suck up your energy and your happiness, too. And it's great to talk about paying debt off early, but what if you don't have any extra money?</p> <p>Fortunately, there are a lot of new services geared toward helping you <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year?ref=internal">get cash back on debt re-payment and purchases you're making anyway</a>. Some of these offerings put the funds straight toward your debt, but others will simply help you get the cash back (so it will be up to you to put it towards your debt). Consider these six options.</p> <p>See also: <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online?ref=seealso">Effortless Ways to Make Money Online</a></p> <h2>1. Ebates and FatWallet</h2> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Ebates</a> and <a href="http://www.fatwallet.com/?referral=kaaff">FatWallet</a> are two of the best and most popular cash back sites. Just register on the website, find the store where you'd like to make an online purchase, follow the directions, and get a certain percent of your purchase back. Sure, it takes anywhere from a few days to a few weeks for the money to post to your account, but when you get it back, it's all yours.</p> <p>Neither of these sites will funnel the cash back directly to your debt payoff, but you can do that easily for yourself. Just note how much you should get back, and when it posts to your Ebates or FatWallet account, transfer it as directly as possible to your debt. Easy peasy.</p> <h2>2. Upromise</h2> <p>Register your credit and debit cards with <a href="http://www.tkqlhce.com/click-2822544-12309751-1441981340000?sid=apps&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Upromise%20Shopping%20Deals">Upromise</a>, as well as your store loyalty cards. Or, you can use their portal to book travel and buy online, and even get a MasterCard that earns cash back every time you use it. The catch? All of your cash back goes directly into a 529 account, which can be used to pay for college, or towards paying off your current student loans.</p> <p>It's not useful for all types of debt, but if massive student loan payments are causing stress, this can help alleviate at least some of the burden. Also, it's nice to have your earnings go straight to your loan, without you having to touch or direct them.</p> <h2>3. Some Credit Cards</h2> <p><a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">Cash back credit cards</a> are popular right now, for good reason. If you are responsible and pay them off every month, you can make some significant money and put that towards your debt. Just choose a card that fits your needs, use it wisely, and send the cash you get back towards your debt.</p> <p>See also: <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt?ref=seealso">Citi Double Cash Card Pays You to Pay Off Your Debt</a></p> <p>Some people will caution you against using any sort of credit card &mdash; even the best cash back card out there &mdash; to pay off debt, because so many people end up in trouble due to credit card overspending. However, I include them here because I know that even fiscally responsible people sometimes end up with debt. Maybe you have school loans or are in debt for medical care, but you still pay off your cards every month. If this is you, why not use your good credit to your advantage and pay off your debt as soon as you can?</p> <h2>4. iBotta</h2> <p><a href="https://ibotta.com/r/jcsgjbv">iBotta</a> is an app that offers cash back for shopping at certain retailers, online and in-store. If you want to shop online, see if your store works with iBotta. Spend a certain amount or buy certain products, and you will get money back. If you are shopping in a store, check if iBotta is offering cash back on any of the products you're planning to buy. Since you're going to get it anyway, you might as well earn money that you can then put towards your debt.</p> <p>Make sure you don't start buying things you don't like and won't use just for the iBotta cash back. This can cause you to spend more money, because you'll have to get the products you want, too! The cash back isn't enough to justify a purchase unless you'll use the product.</p> <h2>5. SavingStar</h2> <p>This app is similar to iBotta, except that <a href="http://savingstar.ojrq.net/c/27771/18896/758">SavingStar</a> mostly focuses on groceries, while iBotta includes all sorts of products. Even if you don't do much shopping outside of the grocery store, SavingStar can help you earn cash back that you can put towards your debt payoff. They also have some cash back deals for online retailers, too. While their deals may not be as good as those on some other sites, they offer money back and can allow you to consolidate your cash back deals in one place.</p> <p>Sometimes, you can get two cash back deals on the same product. If both SavingStar and iBotta offer deals on an item, for instance, in some cases you can get cash back from both services. Use these deals to jump start your debt payoff.</p> <h2>6. You Don't Need an App, Just Pay Down Your Debt Early</h2> <p>You don't need to have an app or be part of a special service to pay down your debt quickly. There are a million ways to earn a little extra money. <a href="http://www.wisebread.com/resources/paid-surveys?ref=internal">Fill out surveys online</a>. Freelance a bit. Get a few hours at a second job. Or, change your spending habits so you have a few more pennies every month. Then put these towards your debt.</p> <p>See also: <a href="http://www.wisebread.com/100-ways-to-make-more-money-this-year?ref=seealso">100+ Ways to Make More Money This Year</a></p> <p>If you are paying interest on your debt, even a small amount extra each month can make a big difference in interest savings. For example, if you have $1,000 of credit card debt with 15% interest, making $20/mo in payments, it'll take you almost 10 years and you'll have paid over $850 in interest. Raise that monthly payment to just $50, and it'll only take you 2 years to pay if off, with just under $158 in interest. Paying $30 extra each month saves you almost $700!</p> <p>If the apps and services help you pay off your debt, then use them. If you have other ways to bring in extra money, use those instead (or in addition to the apps!). The important piece is that you pay off your debt as soon as you can.</p> <p><em>Do you use apps or services to get cash back for paying off debt? Which one is your favorite?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/pay-down-debt-and-get-cash-back-with-these-6-services">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-4"> <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/a-guaranteed-way-to-avoid-impulse-credit-card-purchases">A Guaranteed Way To Avoid Impulse Credit Card Purchases</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</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/change-jars-and-8-other-clever-ways-to-build-an-emergency-fund">Change Jars and 8 Other Clever Ways to Build an Emergency Fund</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/6-highly-effective-ways-to-save-without-clipping-a-coupon">6 Highly Effective Ways to Save Without Clipping a Coupon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management apps cash back extra money shopping Fri, 02 Oct 2015 13:00:53 +0000 Sarah Winfrey 1571398 at http://www.wisebread.com 30+ Cash Back Sites to Earn You Thousands Per Year http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/30-cash-back-sites-to-earn-you-thousands-per-year" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_cash_000058424436.jpg" alt="Woman using cash back sites to earn her thousands per year" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Cash back sites are an awesome way to save a significant amount of money and <a href="http://www.wisebread.com/cool-convenient-cash-11-easy-ways-to-make-money-online">earn some extra cash too</a>. You save and earn money just for using their link to shop and use coupons. Some programs have additional ways to earn money by using their search engine or <a href="http://www.wisebread.com/resources/paid-surveys">taking surveys</a>. There are literally dozens of programs out there that can help you save and earn even more.</p> <p>Each one of the programs listed here is free and easy to join, has an active social media presence, and most importantly, pays as promised. So bookmark this article, take your time to review each opportunity, and take advantage of all that work for you.</p> <h2>Tips on Using Cash Back Sites</h2> <p>Cash back sites save you money by sharing the wealth. They earn a commission each time you click through to an online store from their site and make a purchase. In return for doing so, you receive a piece of that commission. The percentage can range from as little as 1% to as high as 25%, 30%, sometimes as much as 40%. The concept and process is simple, but there are a few things to keep in mind for maximum cash back savings.</p> <h3>Coupons</h3> <p>Most sites only allow you to use coupons and promo codes listed on their site. Using others may invalidate your cash back.</p> <h3>Gift Cards</h3> <p>Most programs do not allow you to receive cash back when using a gift card.</p> <h3>Don't Jump Around</h3> <p>Make sure you start your shopping through your favorite cash back site. There are cookies that track how you got to the store site and if your first visit is from somewhere other than your cash back site you may not get credit.</p> <h3>Cash Out Threshold</h3> <p>Be aware of the cash out threshold. Some programs let you cash out at as little as $1 or $5 while other program cash out points are as high as $25. A high threshold may still be worth it if the cash back rate is high and you're making a large purchase, so don't automatically disregard them.</p> <h3>Have a Few Favorites</h3> <p>Check them all out, but don't spread yourself too thin or you'll never accrue enough to cash out. Have two or three favorites and rotate among them depending on which one offers the best rate. With that said, a number of sites offer sign-up bonuses that are enticing enough to use them at least once.</p> <h3>Get the Most Savings</h3> <p>Sometimes you can save more by not using a cash back site. Have a special promotion, coupon, or gift card that will save you more? Use that instead!</p> <h2>1. Ebates</h2> <p><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Ebates</a> is probably the most well-known of any of the cash back sites. They even have television commercials, which I haven't seen for any of their competition. Their emphasis is on customer service as one of the best features as well as offering some of highest cash back rates around. Their rates are almost always competitive and sometimes much better, but it's always worth comparing with one or two other cash back or rewards site to be sure. A low cash out threshold and $10 gift card sign-up bonus make it worth joining and trying.</p> <p><strong>Where Available:</strong> USA, CAN, CHN, KOR, RUS.</p> <p><strong>Number of Merchants:</strong> More than 1800.</p> <p><strong>Cash-Out Threshold</strong>: $5 which is sent quarterly or rolls over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal. You can also send payment to a friend of your choice.</p> <p><strong>Mobile App Available</strong>: Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 cash bonus after making $25 in qualifying purchases within 90 days.</p> <p><strong><a href="http://www.ebates.com/rf.do?referrerid=vIhagUaAxdMIsu435wELZg%3D%3D&amp;eeid=26471">Sign up with Ebates and get $10 cash bonus!</a></strong></p> <h2>2. Swagbucks</h2> <p><a href="http://swagbucks.7eer.net/c/27771/19503/799">Swagbucks</a> is another well-known program with members earning close to a combined 100 million dollars in gift cards and cash. In addition to an extensive cash back shopping section, members can earn points called &quot;Swag Bucks&quot; by watching videos, taking surveys, playing games, and completing offers. It's the only site where members can earn $25 a month doing nothing more than using their mobile apps to watch videos.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1500.</p> <p><strong>Cash-Out Threshold:</strong> $5 for gift cards, $10 Visa e-card (no fee), or $25 for cash via PayPal (no fee).</p> <p><strong>Payment Methods:</strong> Gift card, Visa e-card, or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes &mdash; multiple.</p> <p><strong>Sign-up Bonus:</strong> $5 after earning 2,500 SB within the first 60 days of membership.</p> <p><a href="http://swagbucks.7eer.net/c/27771/19503/799"><strong>Sign up with Swagbucks and get $5!</strong></a></p> <h2>3. InboxDollars</h2> <p>The&nbsp;<a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289">InboxDollars rewards program</a> has been around for 15 years and has close to 1.5 million Facebook likes. Right now their cash back shopping program only has eight stores including Walmart, Kohl's, and Kmart. On the plus side, the cash back rates are competitive, and it's easy to earn extra money just for for clicking on emails they send, taking surveys, playing games, watching videos, and completing offers. They also have printable coupons and an internet search program that pays 15 cents per day just like the&nbsp;<a href="http://bing-rewards.evyy.net/c/27771/89275/2168?subId1=1079289">Bing Rewards Program</a>, which doubles to 30 cents a day after you cash out your earnings for the first time and automatically become a part of their Gold Member program. At $30, their cash out threshold is on the high side, but they offer a $5 sign-up bonus. Even if you don't do anything more than use their search and earn function, you can reach the cash out amount.</p> <p><strong>Where Available:</strong> US, UK.</p> <p><strong>Number of Merchants:</strong> Eight.</p> <p><strong>Cash-Out Threshold:</strong> $30 which will be paid within two weeks of being requested.</p> <p><strong>Payment Methods:</strong> Check, which incurs a $3 processing fee, pre-paid Visa card (currently for US only) which incurs a $3 processing fee, pre-paid Visa e-card which has no fees, InboxDollars e-card which is connected to Tango, a company that offers a least 50 different gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://trk.cotterweb.net/?a=13562&amp;c=16696&amp;s1=1079289"><strong>Sign up with InboxDollars and get $5!</strong></a></p> <h2>4. Ibotta</h2> <p><a href="https://ibotta.com/r/jcsgjbv">Ibotta</a> is probably the most robust and diverse of the cash back apps. They have the most cash back product ability of all of the apps included here and members have saved over 27 million dollars. In addition to getting cash back for grocery shopping, Ibotta offers cash back on apparel, electronics, wine and spirits, restaurants, home and office, travel, and entertainment. Most of the cash back opportunities are for in-store purchases, but there are some that can be redeemed online.</p> <p>In addition, Ibotta offers small rebates for staples such as bread, milk, and fresh fruit and veggies. Most items have to be purchased at approved stores, but their list is vast and the names are easily recognizable. Ibotta also offers incentives like bonus cash for redeeming a certain amount of rebates per month. Some offers can be redeemed multiple times. Ibotta also created team spirit cash back earning opportunities by encouraging members to join through Facebook, or create a team with referrals. The more everyone in the group earns, the more cash back bonuses each member gets. If you like mobile cash back apps, Ibotta is definitely one to have in your arsenal.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> More than 100.</p> <p><strong>Cash-Out Threshold:</strong> $10.</p> <p><strong>Payment Methods:</strong> PayPal, Venmo, or gift card (Amazon, Starbucks, Best Buy).</p> <p><strong>Sign-up Bonus:</strong> $1 after completing your first cash back rebate within 14 days.</p> <p><a href="https://ibotta.com/r/jcsgjbv"><strong>Sign up and start saving with Ibotta today!</strong></a></p> <h2>5. Giving Assistant</h2> <p><a href="https://givingassistant.org/?rid=dXbX10uWwP">Giving Assistant</a> refers to itself as the &quot;double cash back&quot; site because it passes along 100% of the commission to its customers. That is, there is no splitting like with the other sites. What's unique about this site, however, is its focus on giving. For every purchase that qualifies for cash back, Giving Assistant donates a meal to a family in need. They have donated more than 250,000 meals so far.</p> <p>In addition, users can elect to donate part or all of their cash back savings to one or more of the thousands of charities available to choose from on their site. I did some rate comparisons and found that Giving Assistant did often offer significantly higher (up to double) cash back rates than other sites. Their rates matched the best of those at TopCashBack, a site outlined below which also passes along its full commission. Plus they offer a referral program, a $5 sign up bonus, and a low cash out threshold which makes this program appealing.</p> <p><strong>Where Available:</strong> USA as well as other countries, although they are not specified.</p> <p><strong>Number of Merchants:</strong> More than 1,000.</p> <p><strong>Cash-Out Threshold:</strong> $5, paid weekly.</p> <p><strong>Payment Methods:</strong> U.S.- based Bank Visa/Mastercard Debit card or check, PayPal</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong>&nbsp;$5 through our sign up link. <a href="https://givingassistant.org/?rid=dXbX10uWwP"><strong>Sign up now and get $5!</strong></a></p> <h2>6. TopCashBack</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000">TopCashBack</a> passes along 100% of the commission it makes to its members. Billed as the &quot;most generous cashback site,&quot; they make money by driving traffic to the store websites and through advertisements. When looking at the &quot;latest offers&quot; section on their homepage, the cash back rates were generally higher, sometimes more than two times higher than other sites. They have something called the &quot;Highest Cash Back Guarantee,&quot; and there is no minimum needed to cash out. Bonus: Members can earn free cash back by completing surveys, free trials, or requesting free samples.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IND.</p> <p><strong>Number of Merchants:</strong> Over 3500.</p> <p><strong>Cash-Out Threshold:</strong> None. As soon as you have money in your account.</p> <p><strong>Payment Methods:</strong> Direct deposit, PayPal, Amazon gift card code.</p> <p><strong>Other:</strong> Earn additional cash back from their &quot;Free Offers&quot; section.</p> <p><strong>App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus</strong>: None at this time.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12105289-1426149300000"><strong>Sign up and start saving with TopCashBack today!</strong></a></p> <h2>7. SavingStar</h2> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758">SavingStar</a> is a hybrid site that offers both traditional cash back shopping like Ebates, and grocery shopping mobile app cash back like Ibotta. The traditional cash back shopping works exactly like the other programs with users clicking through to a retailer to make a purchase and receive a percentage of SavingStar's commission. The rebate rates are competitive and worth comparing to other sites. In some cases the rate may be better.</p> <p>The mobile app for grocery shopping works a little differently than the other ones listed here. Once joining, you will be asked to link your store loyalty cards to SavingStar. They will provide a list of stores which includes many local supermarkets as well as national chains, such as CVS and Rite Aid. From there you choose from among the offers available and they are loaded onto your cards. Before purchasing the item, scan your store card, as that information will be sent to SavingStar and that's how you will qualify for your cash back. They also offers &quot;receipt scan&quot; stores for specific retailers like Target and Walmart that don't have loyalty cards. Check their offers regularly because they have a &quot;Healthy Offer&quot; every week on items like fresh produce and occasional freebies where you are reimbursed the full purchase price.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Traditional Cash back stores</strong>: More than 500.</p> <p><strong>Number of Mobile Cash Back Offers:</strong> Varies but between 32 and 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Bank transfer, PayPal, or donate to charity.</p> <p><strong>Mobile App:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://savingstar.ojrq.net/c/27771/18896/758"><strong>Sign up with SavingStar and start saving today!</strong></a></p> <h2>8. Dollar Dig</h2> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink=">Dollar Dig</a> is a newer cash back site, having launched sometime in 2013. They have thousands of stores to shop through for cash back, coupons, and featured deals. Their cash out threshold is on the high side with members needing to reach $25 before being allowed to claim it. Their cash back rates are competitive, with some good deals thrown in now and again.</p> <p><strong>Where Available</strong>: USA, CAN, and numerous other countries.</p> <p><strong>Number of Merchants:</strong> More than 3200.</p> <p><strong>Cash-Out Threshold</strong>: $25.01 which can be requested immediately and is paid monthly, usually on the first of the month.</p> <p><strong>Payment Methods:</strong> Check (U.S. and Canada only) and PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.shareasale.com/r.cfm?B=569561&amp;U=255320&amp;M=51865&amp;urllink="><strong>Sign up and save with Dollar Dig today!</strong></a></p> <h2>9. FatWallet</h2> <p><a href="http://www.fatwallet.com/?referral=kaaff">FatWallet</a> is similar to Ebates in look and in feel. In addition to receiving cash back from purchases, FatWallet offers coupons, promo codes, free shipping offers, and special bundles. Their cash out threshold is reasonable at $10, and it's awesome that you can request payment immediately instead of waiting on their schedule.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1600.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.fatwallet.com/?referral=kaaff"><strong>Sign up and start saving with FatWallet today!</strong></a></p> <h2>10. Coupon Cactus</h2> <p><a href="http://www.couponcactus.com/?ccid=170575">Coupon Cactus</a> has a mascot named Cody, and as the name suggests, the site provides coupon codes (U.S. and international) as well as cash back offers. You can explore their offers by category, popularity, free shipping, clearance, and more. They have thousands of online merchants to choose from and an easy sign-up bonus.</p> <p><strong>Where Available:</strong> USA-based, but it looks like people from any country can join as long as businesses delivers there and users are able to cash a U.S. check or receive PayPal payments.</p> <p><strong>Number of Merchants:</strong> Almost 4000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which is paid quarterly or rolls over until members reach $10.</p> <p><strong>Payment Methods</strong>: Check or PayPal.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $3 bonus for signing up and liking their Facebook page.</p> <p><a href="http://www.couponcactus.com/?ccid=170575"><strong>Sign up for Coupon Cactus and get a $3 bonus!</strong></a></p> <h2>11. BeFrugal</h2> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC">BeFrugal</a> started out as a coupon only site back in 2009 and expanded into cash back territory in 2011. In addition to offering cash back, coupons, freebies, and sweepstakes, they are one of the few sites to offer a &quot;Coupon Guarantee&quot; and &quot;Guaranteed Savings.&quot; They guarantee that a coupon on their site will work or you'll receive a $5 bonus. In addition, they guarantee to have the best cash back rate or they'll match the rate at 125%. That's cool, but their cash out threshold is on the high side at $25. Still, if you're going to make a large online purchase it could be worth a go as they offer $5 sign-up bonus.</p> <p><strong>Where Available</strong>: USA, UK. In addition, people from more than 100 counties can join and earn as long as they have a PayPal account.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $25, which is sent on the 15th of the month your funds are available. For example, if you reached $25 on the 17th of this month, you could request your money that day and it would be sent out on the 15th of next month.</p> <p><strong>Payment Methods:</strong> Check, PayPal, or gift card. Users outside of the U.S. will be paid via PayPal.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $5.</p> <p><a href="http://www.befrugal.com/cashback/?ref=OCFOJMC"><strong>Sign up with BeFrugal and get a $5 bonus!</strong></a></p> <h2>12. MyPoints</h2> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB">MyPoints</a> has been in business for almost 20 years. Members earn points, which can be exchanged for gift cards or cash. These points are earned by making purchases through the MyPoints cash back portal, or participating in one of their other activities &mdash; surveys, games, searching the internet, reading email, watching videos, and printing and using coupons.</p> <p>This rewards/cash back program has a couple of aspects that could potentially make it less desirable than other sites. First, the cash back rates. I compared MyPoints with other sites and looked at 10 merchants. In eight instances, the cash back rate was about half a percent lower, and in two cases it was about half a percent higher. Second, members who use the site earn points. Many sites do this and it's not a bad thing as long as points are equivalent to currency (i.e. one point = one penny, so 100 points = $1). In the case of MyPoints, the value of the points varies, and all are worth less than a penny each. For instance, a $10 Applebee's gift card is 1650 points, the equivalent of $16.50 if each point were worth a penny. Still, with a $10 gift card bonus for signing up and making a cash back purchase of $20, it's worth a shot just for that.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 1900.</p> <p><strong>Cash-Out Threshold:</strong> $10 gift card or $25 PayPal.</p> <p><strong>Payment Methods:</strong> Gift card or PayPal when enough points have been accrued.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $10 gift card when a purchase of $20 or more is made through their cash back shopping portal.</p> <p><a href="http://www.tkqlhce.com/click-2822544-11324935-1395932855000?sid=epic_CB"><strong>Try MyPoints and get a $10 gift card!</strong></a></p> <h2>13. Upromise</h2> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More">Upromise</a> is a cash back site whose mission is to help people save for college (for themselves or someone else). It's not, however, like a <a href="http://www.wisebread.com/5-creative-uses-for-a-529-plan">529 Plan</a>, which is designed to help families save money for college through interest bearing accounts. Nor does it have tax benefits like a 529 Plan. In fact, the money saved with Upromise does not have to be used for educational purposes at all and can be withdrawn at any time as long as the minimum cash out balance is met.</p> <p>Like its competitors, Upromise offers cash back for online shopping. In addition, users can earn cash back when they register their credit card and dine out, book travel through their website, or acquire a Upromise branded credit card. Users also have access to grocery and drugstore e-coupons when they register their loyalty cards with the site.</p> <p><strong>Where Available</strong>: USA.</p> <p><strong>Number of Merchants:</strong> More than 850, plus more than 8,000 restaurants.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately online. For security purposes, amounts of $1000 or greater must be accompanied by a notarized form which can be printed from their website.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.anrdoezrs.net/click-2822544-12085508-1437073828000?sid=epic_CB&amp;cm_mmc=CJ-_-2276508-_-2822544-_-Everyday%20Spending%20-%20Learn%20More"><strong>Click here to start saving for college with Upromise!</strong></a></p> <h2>14. Panda Cash Back</h2> <p>This Better Business Bureau A+ rated cash back program is another one that allows people from dozens of countries to join and save money.<a href="http://www.pandacashback.com/?ref=4710"> Panda Cash Back</a> offers double cash back deals and local daily deals. Their cash out threshold is a tad on the high side, but your money is automatically sent 24 hours after it is requested. It has a $5 sign-up bonus.</p> <p><strong>Where Available:</strong> USA and more than 100 other countries.</p> <p><strong>Number of Merchants:</strong> More than 3000.</p> <p><strong>Cash-Out Threshold:</strong> $15, which once attained will be sent out automatically the next day.</p> <p><strong>Payment Methods:</strong> PayPal. Note that the first payment for U.S. and Canadian residents will be via check. Anyone residing outside of these two countries will be contacted by Panda Cash Back asking for information to verify identity.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus: </strong>$5.</p> <p><strong>Referral Program:</strong> 25% of each referral's rebate for life.</p> <p><strong><a href="http://www.pandacashback.com/?ref=4710">Sign up with Panda Cash Back and get $5!</a></strong></p> <h2>15. Hoopla Doopla</h2> <p>This cash back site with the funny sounding name (which apparently has the same name as a television show in Australia) has been in business since 2009. <a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759">Hoopla Doopla</a> gives back more than half of the commission they receive to their members. In addition to cash back they offer exclusive coupons and daily deals, as well as fundraise for cancer research. Their low cash out threshold and competitive cash back rates makes it an attractive option to try.</p> <p><strong>Where Available:</strong> USA. Also, while the site says that anyone with internet access, an email address, and a PayPal account is eligible to join, the cash back retailers appear to be U.S.-centric.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold</strong>: $5 for PayPal or $10 for check, paid quarterly or rolled over until threshold is met.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No.</p> <p><a href="http://www.hoopladoopla.com/index.php?ref=3h4j2f43f7t322759"><strong>Click here to start saving with Hoopla Doopla!</strong></a></p> <h2>16. Mr. Rebates</h2> <p><a href="http://www.mrrebates.com?refid=913170">Mr. Rebates</a> is an established cash back site that has been in business for more than a dozen years. They offer cash back rates up to 30%, and deals such as free shipping. With a reasonable cash out threshold, a sign-up bonus that is available after your first purchase, the ability to request payment immediately, and an enticing referral program, it's worth an add to your list of sites to try.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 2000.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No app, but they have a mobile site.</p> <p><strong>Sign-up Bonus:</strong> $5 sign-up bonus available after your first purchase.</p> <p><strong>Referral Program:</strong> Members earn 20% of each referral's cash back for life.</p> <p><a href="http://www.mrrebates.com?refid=913170"><strong>Sign up for Mr. Rebates and get your $5 bonus!</strong></a></p> <h2>17. CashCrate</h2> <p><a href="http://www.cashcrate.com/1168012">CashCrate</a> launched in 2006 and has paid out close to four million dollars to its members who earn cash by completing offers (many free), taking surveys, completing CrowdFlower tasks, watching videos, and shopping through their cash back store. Their shopping (cash back) section is newish and small right now with only 62 stores like Walmart, Macy's, and Lowe's. However, their rebate rate is competitive with other cash back programs.</p> <p>One unique aspect of Cash Crate's earning program is that members can earn two ways. One section is devoted to earning cash, and the other to earning gift cards (think Starbucks, Amazon, Visa, and more). Just decide what you're interested in earning and complete the tasks in that section.</p> <p><strong>Where Available:</strong> All countries are eligible although the U.S. and other English speaking countries will have the greatest number of offers.</p> <p><strong>Number of Merchants:</strong> 62 and growing.</p> <p><strong>Cash-Out Threshold:</strong> $20 in the cash earning section, which is redeemable immediately. Gift cards can be redeemed immediately upon earning enough points in the prizes section of the site.</p> <p><strong>Payment Methods:</strong> Check. PayPal is an option once members have lifetime earnings of $500.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> $1. In addition, members earn monthly bonuses for meeting an optional daily goal.</p> <p><a href="http://www.cashcrate.com/1168012"><strong>Sign up with CashCrate and start earning today!</strong></a></p> <h2>18. MainStreetShares</h2> <p>This cash back program offers an interesting proposition and incentive to join and use their site because members are shareholders. At<a href="http://mss.me/kabigcrumbs"> MainStreetShares</a> not only do members earn a percentage of the site's sales commission when making purchases from stores everyone knows and loves, they earn a portion of the advertising revenue as well in the form of shares called &quot;MsShares.&quot; From their site:</p> <p>&quot;&hellip;A large share of member shopping commissions is placed in a pool each month. We also add a share of other company revenue, such as advertising to this pool. At the end of the month, you are paid a percentage of the pool based on your percentage of total member spending for the month.&quot;</p> <p>Why do they do this? To attract users, of course. However, their larger goal is for someone to acquire the company, at which time members receive a portion of the sales price based on the number of MsShares they own. Until then, with competitive rates and a one dollar cash out threshold (though there is a 2% PayPal transaction fee), MainStreetShares is worth a look.</p> <p><strong>Where Available:</strong> USA, CAN, AUS, IRL, UK.</p> <p><strong>Number of Merchants:</strong> More than 1100.</p> <p><strong>Cash-Out Threshold:</strong> Paid monthly. Minimum $1 required.</p> <p><strong>Payment Methods:</strong> PayPal. There is a 2% processing fee up to one dollar charged. The fee is from PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> Members who earn MsShares &quot;will be entitled to a specially reserved additional 10% share of acquisition proceeds.&quot;</p> <p><a href="http://mss.me/kabigcrumbs"><strong>Click here to learn more about MainStreetShares!</strong></a></p> <h2>19. Cashback House</h2> <p><a href="http://www.cashbackhouse.com/">Cashback House</a> has a simple and straightforward looking site. It doesn't have the bells, whistles, and flash of many cash back sites, but it offers the basics like rebates for purchases, handpicked deals, and coupons. At $10.01 their cash back threshold isn't outrageously high and you can earn a little extra by sharing how much you've saved on Facebook.</p> <p><strong>Where Available:</strong> USA, CAN, UK.</p> <p><strong>Number of Merchants:</strong> More than 1000.</p> <p><strong>Cash-Out Threshold:</strong> $10.01 which is processed weekly once a request has been made.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> No. However, if you share how much you have saved on Facebook you will earn a $1 credit.</p> <h2>20. ExtraBux</h2> <p>Similar to the other cash back sites,&nbsp;<a href="http://www.extrabux.com/">Extrabux</a> is one of several sites that is available to people worldwide. Offering cash back ranging from 1-30%, Extrabux also offers coupon codes, promo codes, and comparison shopping. They have an attractive sign-up bonus and reasonable cash out threshold.</p> <p><strong>Where Available:</strong> Everywhere. Extrabux states that people from any country can join and earn cash back. Checks will only be mailed to those with a U.S. mailing address. However, people living outside of the U.S. can receive their cash back via PayPal.</p> <p><strong>Number of Merchants:</strong> 2500.</p> <p><strong>Cash-Out Threshold:</strong> $10 which can be requested immediately.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> Yes, specifically for Black Friday.</p> <p><strong>Sign-up Bonus:</strong> $8.</p> <h2>21. Gyft</h2> <p><a href="http://www.jdoqocy.com/click-2822544-11949187-1442871035000">Gyft</a> is different from the other traditional cash back sites because their sole focus is selling gift cards. Most cash back sites do not allow, or strictly limit, the eligibility of cash rebates when purchasing gift cards or using them to pay for products. At Gyft, when you purchase gift cards, you earn points which can then be used for discounts on future gift card purchases.</p> <p>Better yet, for a limited time they'll give you a $5 gift card of your choice (in the form of a promotional code) to be used towards a gift card purchase of at least $15, on the spot just for signing up. In other words, you can get a $15 Amazon gift card (or Starbucks, Target, Walmart, Home Depot, whichever of the more than 200 you choose) for $10 just for trying them out. You can even store your gift card in your mobile wallet so you have it on the go and never forget it. Even if you never buy a gift card through them again, the immediate bonus is sweet. (Note that your free gift card bonus expires 24 hours after you sign up so use it right away.)</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Merchants:</strong> More 200.</p> <p><strong>Cash-Out Threshold:</strong> 100 points &mdash; to be used as a discount on future gift card purchases.</p> <p><strong>Payment Methods: </strong>You can pay for your gift cards with Google Pay, PayPal, Bitcoins, or credit/debit card.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus: </strong>$5 gift card of choice to be used on a gift card valued at $15 or more.</p> <p><a href="http://www.jdoqocy.com/click-2822544-11949187-1442871035000"><strong>Sign up for Gyft and get your $5 bonus!</strong></a></p> <h2>22. Paribus</h2> <p><a href="https://paribus.co/">Paribus</a> is a new endeavor unlike the other cash back sites listed here. It's a price adjustment cash back program, not a rebate program. Basically, they will search for a better price on any product that you have purchased online and get the difference back for you. Their business is hunting price reductions for you, filing a claim on your behalf and getting you a refund for the difference.</p> <p>Paribus works with stores like Target, Walmart, Amazon, Banana Republic, Macy's, Best Buy, and others that have price matching and adjustment policies. Currently only online purchases are eligible. How it works is that you sign up with the email address that you use for online shopping and they scan the receipts of your online purchases.</p> <p>The email scanning sounds creepy, right? They never have access to, or know your passwords.&nbsp;<a href="https://paribus.co/faq">Review their security measures</a> to learn exactly what they do. Is it worth it? To the extent that you may get money back for doing nothing, yeah. Is there a catch? Signing up is free, but when they get a refund for you they will take a 25% cut. Still, not a bad deal for something you may not have otherwise known about.</p> <p><strong>Where Available: </strong>USA.</p> <p><strong>Payment Methods</strong>: PayPal or Venmo.</p> <h2>23. Retail Cashback</h2> <p>Another newer program,&nbsp;<a href="http://retailcashback.com/">Retail Cashback</a> started in 2013. It offers the expected complement of cash back stores, coupons, and featured deals. When comparing the rates of six retailers available on their site with three competitor sites, I found Retail Cashback to generally have rates that were the same as or slightly lower than those competitors. They do not offer a sign-up bonus and their cash out threshold is on the high side, but you can request your money immediately when it's reached.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants:</strong> More than 4000.</p> <p><strong>Cash-Out Threshold:</strong> $20 which can be requested immediately. Cash outs allowed once every 30 days.</p> <p><strong>Payment Methods:</strong> Check or PayPal.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-Up Bonus:</strong> No. However, their site states that regular members will sometimes get &quot;additional bonuses.&quot;</p> <h2>24. Simply Best Coupons</h2> <p>The&nbsp;<a href="https://www.simplybestcoupons.com/">Simply Best Coupons</a> website feels almost soothing compared to some of the others with colorful carnival colors. It must be the mellow sky blue background making everything softer. They offer thousands of cashbook stores, grocery, and printable coupons, as well as a couple of unique payout methods, including Western Union. Their cash out threshold is on the high side but they have a decent sign up bonus.</p> <p><strong>Where Available:</strong> USA and internationally. They have cash back stores for USA, AUS, CAN, IND, IRL, NZ, POL, UK, and RUS. Anyone can join and earn cash back if retailers ship to their country.</p> <p><strong>Number of Merchants: </strong>1000s per their site.</p> <p><strong>Cash-Out Threshold:</strong> $20 for checks and Western Union. $15 for PayPal and Amazon gift certificates.</p> <p><strong>Payment Methods:</strong> Check, Western Union, PayPal, and Amazon gift card. When the cash out threshold is met by the 15th of the month, payment is sent at the end of the month.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $5 available after first purchase.</p> <h2>25. GiftHulk</h2> <p>Started in 2011,&nbsp;<a href="http://www.gifthulk.com/">GiftHulk</a> is six million members strong. In addition to the typical ways to earn (watching videos, completing surveys, searching the internet, etc.), GiftHulk has a cash back shopping section with about 140 well known stores. Their cash back rate is competitive, but be sure not to be fooled by their currency which they call &quot;Hulk Coins.&quot; On GiftHulk, 1000 Hulk Coins equals $1. So when you see GiftHulk offering 40 Hulk Coins per dollar in the cash back shopping section, the rate to compare is 4% (40/1000). GiftHulk has a low cash out threshold which makes it attractive.</p> <p><strong>Where Available:</strong> USA, CAN, UK, AUS, DEU, FR, NZL.</p> <p><strong>Number of Merchants:</strong> About 140.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash and many gift cards.</p> <p><strong>Payment Methods:</strong> PayPal or gift cards.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> Not as of this writing. However, members earn bonuses for meeting an optional daily goal.</p> <h2>26. InstaGC</h2> <p><a href="http://www.instagc.com/">InstaGC</a>, which stands for Instant Gift Cards, has been in business since 2011. This rewards program has some ardent fans so it might be worth checking out even if you use other sites for your cash back shopping. Their shopping section includes about 70 stores with rates that are competitive. Ways to earn include listening to music, taking surveys, CrowdFlower, and the other usual suspects. The site layout is a little bland, but it's functional, and most importantly, pays.</p> <p><strong>Where Available:</strong> USA, AUS, CAN, UK.</p> <p><strong>Number of Merchants:</strong> About 70.</p> <p><strong>Cash-Out Threshold:</strong> $5 for cash or as little as $1 for gift cards.</p> <p><strong>Payment Methods:</strong> Check which incurs a 25 cent fee, or direct deposit which incurs a 15 cent fee. You may also redeem for one of 260 gift cards which have no fee starting at $1.</p> <p><strong>Mobile App Available:</strong> No.</p> <p><strong>Sign-up Bonus:</strong> A lofty 10 cents.</p> <h2>27. Sunshine Rewards</h2> <p>As their site states, &quot;<a href="http://www.sunshinerewards.com/">Sunshine Rewards</a> is a loyalty program dedicated to paying you back for taking surveys, visiting websites, and shopping on the internet. Get coupons, promo codes, discounts, free shipping, and cash back shopping.&quot; Members get cash back and earnings in the form of credits, where one credit equals one dollar. Their cash back shopping rates are competitive, with some being higher or lower than other sites at different times. The cash out threshold is on the high side at $20, but if you participate in the reward activities regularly it should not take long to reach it.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Merchants: </strong>Close to 1000.</p> <p><strong>Cash-Out Threshold:</strong> $20 and being a member for at least 45 days. Cash outs are limited to $500 a month.</p> <p><strong>Payment Methods:</strong> PayPal, Amazon gift certificate, or Disney gift card.</p> <p><strong>Mobile App Available</strong>: No.</p> <p><strong>Sign-up Bonus:</strong> $2 sign up bonus.</p> <h2>Mobile Grocery Shopping Apps</h2> <p>What's better than using coupons for grocery shopping? Cash back mobile apps, that's what! Why? With these mobile apps, no coupons are needed, so there's no hunting or clipping. But, if you like coupons, you can combine them with cash back apps to increase your savings (and sometimes even get stuff for free). Plus, unlike traditional cash back programs, you can use gift cards to pay for items and still receive your rebate. Cool, huh?</p> <p>Here's how it works. Sign up online using a computer/tablet or going straight to the app. Download the app to your mobile device, review the cash rebates available, purchase the products you want, scan the product barcode, and/or upload the receipt to the site. Once your receipt is approved (typically within 24 to 48 hours), you get your rebate. Once you meet the cash out threshold, withdraw your money. That's it!</p> <p>Cool features include some apps offering cash back on products you rarely find coupons for like fresh fruit, veggies, bread, and dairy. And unlike traditional cash back sites there are no rates to compare. Best of all, because it's so little effort it's worth downloading all of them.</p> <h2>28. Shopmium</h2> <p><a href="http://www.shopmium.com/us/">Shopmium</a> has cool features like the ability to purchase items at any store that provides an itemized receipt, and immediate pay out, no matter the amount, after it's approved. It is very easy to join, requiring only an email address to get started. Members can choose to receive payment through PayPal or direct bank transfer. Even if you use it the app only occasionally, the fact that you can cash out immediately makes it worth using.</p> <p><strong>Where Available:</strong> USA, Canada.</p> <p><strong>Number of Products:</strong> About 15.</p> <p><strong>Cash-Out Threshold:</strong> No minimum. As soon as receipt is accepted you're paid.</p> <p><strong>Payment Methods:</strong> PayPal or bank transfer.</p> <p><strong>Mobile App Available:</strong> Yes.</p> <p><strong>Sign-up Bonus:</strong> 50 cents after completing welcome activity.</p> <h2>29. BerryCart</h2> <p><a href="http://www.berrycart.com/">BerryCart</a> is the mobile cash back site for people who like organic, gluten free, non-GMO, and natural foods. If you regularly eat organic, natural foods you will probably recognize many of the brands offering cash back. With the increasing popularity of eating whole foods, you won't be limited to just being able to find the products listed within BerryCart at expensive stores like Whole Foods. In fact, while their list of cash back items hover around 50, users can purchase the products at any store that carries them as long as the receipt is itemized and includes the price.</p> <p>BerryCart also offers subscription boxes where cash back rebates are available for every item in the box. Keep an eye for sales and coupons to combine with your BerryCart rebates to make pricey organic foods much more affordable.</p> <p><strong>Where Available:</strong> Site does not specify, though the stores are all U.S- based. However, some items can be purchased through Amazon, which is international.</p> <p><strong>Number of Products:</strong> About 50.</p> <p><strong>Cash-Out Threshold:</strong> $5.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <h2>30. Checkout 51</h2> <p><a href="https://www.checkout51.com/">Checkout51</a> offers a variety of grocery cash back rebates ranging from a &quot;pick your own&quot; offer for fruits and vegetables, to specific food and beverage brands. Some products are well known, others are up and coming. Some are organic and/or gluten free. Some offers may be redeemed multiple times. Checkout51 offers are available for a week, and then they expire and are replaced by new ones. Many times, however, you'll see popular products remain for a few weeks.</p> <p>One neat opportunity is the ability to join their &quot;brand program, &quot;which means you'll receive extra offers for products within a specific brand. To participate in their brand program, members simply select the &quot;join&quot; button that pops up on the product cash back list.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 25&ndash;30, some may be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not currently, though users do earn something for completing their profile.</p> <h2>31. Receipt Hog</h2> <p><a href="http://receipthog.com/">Receipt Hog</a> is interesting because it's a cash back mobile app that pays you even though you don't have to redeem any rebates through them. At Receipt Hog, you earn points by uploading pictures of receipts from just about any retailer. When you upload receipts from grocery stores, club stores, health and beauty retailers, pet stores, convenience stores, dollar stores, and more, members receive points according to the amount spent (i.e. earn five points when the total is less than $10).</p> <p>When receipts are uploaded from retailers that don't sell grocery items (think Staples or Macy's), members earn chances to spin their virtual slot machine where winners receive bonus points or $100. Receipt Hog also offers monthly challenges, like uploading receipts every week of the month for extra points. It sounds silly but it does pay.</p> <p>Why would they pay you? They're a market research company that has discovered an innovative way to collect data about consumer spending for the brands and retailers that enlist their services. Those retailers pay Receipt Hog and Receipt Hog pays its members. How much? The more points you earn before cashing out, the greater the value. For instance, 1000 points will get you $5 in cash or an Amazon gift card, while 1800 points will get you $10 cash or a $10 Amazon gift card. Most people who use the system regularly can probably easily earn $25&ndash;$50 a year. Not a lot, but it's not bad given you're not buying anything extra. Think of it more as an entertainment app that pays you for your shopping receipts.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> Just about everything qualifies.</p> <p><strong>Cash-Out Threshold:</strong> $5 (or 1000 points).</p> <p><strong>Payment Methods:</strong> PayPal or Amazon gift card.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive points for completing your profile.</p> <h2>32. Shrink</h2> <p><a href="http://www.shrinktheapp.com/">Shrink</a> is similar to BerryCart in that they specialize in all natural, organic food. Like a few of the sites listed here they also offer small cash back amounts on fresh food, even fresh seafood! Their unique twist is helping brands create customer loyalty. They do this by offering cash back rebates to try new and up and coming products like snacks, beverages, and frozen foods. If you like the product, become a &quot;brand ambassador&quot; by unlocking additional coupons. Continue to buy the product and be rewarded with points that can be turned into cash. Products can be purchased at any store that provides itemized receipts. Shrink is the only mobile app included here where you're unable to join from a computer or tablet. You must download their app to join.</p> <p><strong>Where Available:</strong> USA.</p> <p><strong>Number of Products:</strong> About 60.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> PayPal.</p> <p><strong>Sign-up Bonus:</strong> No, but you do receive $1 for completing your profile.</p> <h2>33. Snap by Groupon</h2> <p>Who knew <a href="http://www.kqzyfj.com/click-2822544-10828386-1399573918000?sid=epic_CB">Groupon</a> had a cash back mobile app? This program is owned by Groupon, but is a separate entity. Even if you already use Groupon, you'll need to set up a separate account to use Snap.</p> <p><a href="https://snap.groupon.com/">Snap</a> has a bit of a twist as offers need to be &quot;snapped up&quot; before they are gone. You'll see warnings next to items when the number of rebates available for specific products is running low as well as a &quot;GONE&quot; sign when they are&hellip; well, gone. Snap offers an assortment of products from food and beverages, organic options, magazines, and personal care products. Many products can be redeemed more than once and can be purchased from any store that provides an itemized receipt. They also offer bonus activities, like three times the cash back when purchasing certain items, and they have a $100 giveaway for posting pictures of payment on their Facebook page.</p> <p><strong>Where Available:</strong> USA, CAN.</p> <p><strong>Number of Products:</strong> About 40, many can be redeemed multiple times.</p> <p><strong>Cash-Out Threshold:</strong> $20.</p> <p><strong>Payment Methods:</strong> Check.</p> <p><strong>Sign-up Bonus:</strong> Not at this time.</p> <p><em>Whew! That's an extensive list with lots of saving and earning options. How many are you likely to try? Let me know in the comments. </em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F30-cash-back-sites-to-earn-you-thousands-per-year&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F30%252B%2520Cash%2520Back%2520Sites%2520to%2520Earn%2520You%2520Thousands%2520Per%2520Year.jpg&amp;description=30%2B%20Cash%20Back%20Sites%20to%20Earn%20You%20Thousands%20Per%20Year"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/30%2B%20Cash%20Back%20Sites%20to%20Earn%20You%20Thousands%20Per%20Year.jpg" alt="30+ Cash Back Sites to Earn You Thousands Per Year" width="250" height="374" /></p> <p><style type="text/css">[href^="https://www.share-online.biz/affiliate/"] {display:none !important;}</style></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kim-owens">Kim Owens</a> of <a href="http://www.wisebread.com/30-cash-back-sites-to-earn-you-thousands-per-year">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-5"> <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/8-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</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/6-more-apps-that-pay-you-to-shop">6 More Apps That Pay You to Shop</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/the-8-shopping-apps-thatll-actually-save-you-money-in-2016">The 8 Shopping Apps That&#039;ll Actually Save You Money in 2016</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-best-5-credit-cards-for-groceries">The Best Credit Cards for Groceries</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/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Shopping apps cash back deals gift cards groceries online shopping rewards sites Mon, 24 Aug 2015 09:00:14 +0000 Kim Owens 1533240 at http://www.wisebread.com 5 Times Credit Cards Are Smarter Than Cash http://www.wisebread.com/5-times-credit-cards-are-smarter-than-cash <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-credit-cards-are-smarter-than-cash" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shopping_000021011264.jpg" alt="Woman deciding that credit cards make more financial sense " title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We've all heard the admonishments about over-reliance on credit cards. If you don't dutifully pay-off your bill in full every month, debt can quickly mount, and wreck your budget &mdash; along with your credit.</p> <p>Assuming you use credit prudently, however, it can often be a better bet than cash. In fact, the benefits of careful credit card usage are so great, that they often outweigh the simplicity of cash. Here are five solid reasons why credit cards can make more financial sense than cash.</p> <h2>1. They're Safer Than Cash</h2> <p>There are some who feel that cash is safer than cards, but what happens when your cash is stolen or misplaced? There is no getting it back. There is 100% liability on your end and all is lost. Credit cards, on the other hand, offer myriad protections, giving you peace of mind when your card is lost or stolen. You're also able to track purchases and spending more efficiently, and spot fraud or card misuse.</p> <p>Sure, hackers can steal your credit card information, and a lost card presents challenges of its own. But there's no financial institution ready to help when you lose cash. Credit cards come with the backing and help of professional staff trained and equipped to handle such situations.</p> <h2>2. They Help Build Credit</h2> <p>As much as we fear over-using credit, not having any credit can have its own repercussions. Lack of credit can hamper your ability to take out necessary loans (such as auto loans or mortgages) and even limit more basic things, such as rental car options. Have you ever thought about renting a car, but all you had was a debit card or cash? From my experience, many companies such as Hertz or Enterprise will do a soft credit check to see if you are eligible for the rental. Plus, having established credit also gives you a shot at better interest rates and expedites approvals on loans. (See also: <a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score?ref=seealso">How to Use Credit Cards to Improve Your Credit Score</a>)</p> <h2>3. You Can Earn Cash Back or Travel Rewards</h2> <p>Many credit card companies offer <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=internal">cash back incentives</a> &mdash; some as much as <a href="http://www.wisebread.com/cashing-in-at-the-supermarket-blue-cash-preferred-card-from-american-express-review?ref=internal">6% on grocery purchases</a>, or even <a href="http://www.wisebread.com/the-discover-it-card-attractive-cash-back-awards-for-shoppers?ref=internal">5% on shopping purchases</a>. Cash back incentives add up and you'd be amazed after 90 days just how much cash back you've earned. That cash is yours to keep &mdash; no strings attached. (Check out one of our favorites: <a href="http://www.wisebread.com/citi-double-cash-rewards-card-pays-you-to-pay-off-your-debt?ref=seealso">Citi Double Cash Card</a>)</p> <p>A <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal">travel rewards credit card</a> can get you even more value from your purchases. Redeem your earned miles for free flights, stays, and upgrades. In addition, many cards include travel perks like priority boarding, <a href="http://www.wisebread.com/5-best-credit-cards-with-free-airport-lounge-access?ref=internal">exclusive lounge access</a>, free checked baggage, and more. (Check out our favorite travel card: <a href="http://www.wisebread.com/chase-sapphire-preferred-review-500-signup-bonus?ref=seealso">Chase Sapphire Preferred Card</a>)</p> <h2>4. There Are Insurance Protections</h2> <p>Credit cards also offer insurance perks. Just by using your credit card you have access to multiple insurance options, such as supplemental insurance, lost luggage insurance, travel and accident insurance, and more. Plus, some credit card companies also give you the ability to halt or reduce payments during periods of change or difficulty &mdash; such as a relocation, new baby, new job, unemployment, or death in the family.</p> <h2>5. Cards Offer Purchase Tracking and Customer Service</h2> <p>Credit cards enable you to more efficiently track your purchases, and let you dispute payments should problems arise. Plus, credit card companies' customer service hours extend well beyond those of your local bank branch, allowing you to resolve issues at any time. And though ATMs can be used 24 hours a day, for larger purchases, credit cards facilitate bigger spends at any time of day.</p> <p><em>When else do you prefer to use cards over cash?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-times-credit-cards-are-smarter-than-cash">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/6-important-credit-card-lessons-your-parents-didnt-teach-you">6 Important Credit Card Lessons Your Parents Didn&#039;t Teach You</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/10-reasons-why-i-prefer-credit-cards-over-cash">10 Reasons Why I Prefer Credit Cards Over Cash</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/the-5-best-credit-cards-with-annual-fees">The 5 Best Credit Cards With Annual Fees</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/citi-double-cash-card-18-month-bt-offer-pays-you-to-pay-off-your-debt">Citi® Double Cash Card - 18 Month BT Offer Pays You to Pay Off Your Debt</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/7-things-you-should-never-do-with-your-travel-rewards-credit-cards">7 Things You Should Never Do With Your Travel Rewards Credit Cards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards cash cash back credit payment methods rewards Fri, 07 Aug 2015 13:00:12 +0000 Qiana Chavaia 1511547 at http://www.wisebread.com