You’ll also get 2% back at restaurants, gas stations and drugstores. Plus, you get 1% back on all other purchases. Not a bad way to save some money on stuff you’re already planning on buying. As long as you pay the balance off at the end of each month, and don’t rack up interest fees, it’s just like free money. For example, Discover has a cashback reward offer that will help you save some money. You can earn 5% back on up to $1,500 in purchases in various categories throughout the year, along with 1% back on general purchases. Another credit card offering a decent cash back rewards program is Bank of America’s Cash Rewards Credit Card. You can earn 3% back in the category of your choice. Choose from gas, online shopping, dining, travel, drug stores and more. Again, to take full advantage of these offers, it’s a good idea to pay the balances off each month. That way you won’t be paying finance charges which would most likely end up costing more than what you’d be getting back in rewards.
3. Use a cash back website
Have you ever heard of a cashback website? They’re great ways for you to save money when you shop online. The process is really simple. Just sign up for a free account, and when you complete a purchase with any of the site’s participating merchants you get cash back. It’s just like using a coupon, except you earn money back after the purchase has been successfully completed and tracked. When you shop through TopCashback, you can earn cash back on your purchases. Here’s how it works: The site offers more ways to get cash back, too. You can earn more by using the TopCashBack app where you’ll find coupons, in-store coupons and instant account access. The site also finds coupon codes for you that are good on lots of popular merchant websites. They can be used in conjunction with cashback offers to save you even more money. The app is available free for both Apple and Android gadgets. For iOS, click or tap here. For Android, click or tap here.
4. The money-saving site with the funny name
If you’re not familiar with the name Rakuten, you may recognize “Ebates.” When Ebates re-branded, it took on the name Rakuten, but the philosophy is still much the same. There are some special terms to adhere to, including cash back is only available for select departments and it’s not available on gift cards, Prime memberships, wine or more.
5. More ways to save
Conditions range from “Refurbished,” “Like New” and “Very Good,” all the way down to “Acceptable,” and the product information includes notes on what defects or blemishes to expect on a particular item. As you might expect, you’ll find a treasure trove of electronics from video games and widescreen TVs to smartwatches and Bluetooth speakers. These days, a Prime membership comes with so much more than just free shipping. A few impressive features that have been added include Prime Video, Prime Music and Prime Photos. Tap or click here to find out the 20 best perks you get with a Prime membership. With those additional perks comes a higher cost. The annual rate to be a Prime member now is $119, or $12.99 per month. The good news is there are a couple of ways to save money on a Prime membership. Here’s how:
Student membership
If you’re an undergraduate or graduate student, you’re eligible for 6 months of free Prime. To qualify, you must provide a valid .edu email address. After the 6-month free trial, it’s just $59 per year or $6.49 per month. So, make sure to spread the word to all of the students you know. Tap or click here for details.
