How to get cash back on every purchase
With the holidays right around the corner, easy ways to save money have never been more
important. And one of the best ways to save money is with cash back deals. With a little creativity,
you can get 15 percent or more in cash for many purchases you make every day. And you should be
able to get some cash back on every purchase. With the help of the Internet, it doesn't take a lot of
effort to find these deals.
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So let's take a look at ways you can get cash rewards on
your purchases. And keep in mind that in many instances,
you'll be able to use several of these tips in combination on
the same purchase.
1. Use a Cash Back Credit Card
The best cash back credit cards pay up to 5 percent cash
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back on select purchases. And for those purchases that
don't qualify for a 5 percent rebate, these cards typically
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pay 1 percent or more. Most cash back cards do not come
with an annual fee, either. So if you pay your balance in
full each month to avoid interest charges, you'll pocket the cash back on just about every purchase.
Used in combination with some of the tips below, the cash back card is the easiest way to put money
in your pocket. Do keep in mind, however, that if you don't pay your credit card off in full each
month, the interest payments will easily wipe out the benefits of the cash back rewards.
[See What is the Best Cash-Back Reward Card?]
2. Sign up for Ebates
If you've never heard of Ebates, you'll want to visit this site. Ebates has worked out deals with
thousands of retailers to pay consumers cash back on purchases. From Home Depot to The Gap, you
get cash back on every purchase. Each day, Ebates offers a double cash back reward from one
retailer. And Ebates is totally free. It will probably be the easiest way you've saved money all year.
3. Find Online Coupons
Many retailers promote online coupons, particularly during the holidays. And when you shop online,
you'll often find even more savings than if you went in to the store. The easiest way to find these
deals is to search Google for coupons from your favorite stores. There are also many coupon sites you
can use, such as retailmenot.com. Unlike rebates, with coupons you get the savings immediately,
which can be a big help as you try to stay on budget.
4. Buy Discounted Store Gift Cards
This is one of my favorite ways to save money. You can now buy discounted gift cards online from
you favorite retailers. For example, you might get a $100 Best Buy (NYSE: BBY - News) or Home
Depot (NYSE: HD - News) gift card for $90 or even less. So how does it work? There are several
websites that buy and sell gift cards. If you have a card and need the cash, you can sell the card to one
of these sites. And if you are looking for a gift card, you can buy at a discount. The amount of the
discount depends on the demand for the card. So whether you want to give the gift card as a gift, or
use it to shop at the store, these sites can save you a bundle.
[See Getting Free Gift Cards Online]
5. Sign up for Upromise
Our last tip is for those saving for a child's education. With Upromise, you can earn cash back
towards your child's education with every eligible purchase you make. Upromise has partnered with
Best Buy, the Gap, Target, and eBay to provide cash back for college when you shop online. And
there is even a Upromise credit card that also pays cash back for college.
DR is the founder of the popular personal finance blog, the Dough Roller and credit card review
site,Credit Card Offers IQ.
http://finance.yahoo.com/news/cash-back-every-purchase-080000520.html