watch your credit card rewards pile up with these 5 tips
by：Yufengling
2020-07-04
The proximity of summer does not mean that your wallet can be on holiday.
From graduation season to Father\'s Day to July 4 and beyond --to-
School expenses, you may reduce some money. Rewards-
Earning a credit card can help you save on these costs
But you can also combine these rewards with other money.
Save the strategy and help you keep more cash.
Here are five \"overlay\" strategies for credit cards. 1.
Some card issuers have online bonus mall-
Access via account login-
In addition to the money your card has earned, it offers discounts or higher rewards for hundreds of merchants.
\"I recently bought new outdoor furniture and a gas fire pit, I logged into Chase and clicked on Lowe\'s portal to get an extra 3 points for every dollar spent, \"Holly Johnson, founder of Club frugality, says club frugality is a personal finance blog dedicated to saving money.
You can check it too. Limited time-
Time promotion specific to your card.
For example, when logging in, eligible cardholders can see the Chase offer and the American Express offer.
They offer discounts or bonus rewards among dozens of retailers, including many physical retailersand-
Mortar merchant, although you have to choose to join by \"adding\" offers on your card. 2.
Registered retailer\'s email LISTEver, if you sign up for the store\'s credit card, the salesperson will give you a discount on the spot?
Again, when you shop online, many stores will give you a percentage discount on your first order if you sign up for the email list, so, get a discount based on your normal credit card reward.
Or what you want is free shipping. Seventy-
According to a report by the National Retail Federation, 5% of consumers now even expect orders to be below $50.
Registering to receive an email from a retailer can be a way to deliver free shipping, at least on your first purchase. (
Please note that the retailer charges a different shipping fee, which must not be added to your total amount until in your shopping cart. )
Another way to avoid shipping costs is: buy online, preferably through the online bonus mall, and then buy in the store.
This may also require you to submit your email address and be added to the mailing list.
However, it is much easier to agree to receive letters from retailers than to register a store card.
If these emails start to get overwhelming, unsubscribe. 3. USE CASH-
Support website with cashBACK CARD Cash-
Back-office sites like Ebates, TopCashBack, or BeFrugal are like online bonus mall, but they are not in touch with any particular card issuer.
When you join one of the portals and log in, you will see hundreds of participating retailers and the percentage of those retailers shopping through that portal.
Click on the offer you want and you will be directed to the merchant\'s website for shopping.
By using your reward card, you will get a percentage return on the purchase and an additional percentage return on shopping through the portal. 4.
Buying discounted gift cards where you shop for gift cards is still popular: in the NRF 45% Mother\'s Day consumer survey, 2019 of respondents said they plan to buy gift cards.
There are two ways to save money through gift cards.
First of all, you can buy them in a place where you already get high rewards for shopping.
For example, if you have a card that pays high rewards in supermarket shopping, pick up a gift card for your favorite retailer when you buy these groceries.
You will receive the same high rewards as milk, eggs and bread.
Your other option is to use a reward credit card to purchase gift cards through exchange sites such as GIF cardgranny or Raise, and people will sell gift cards they don\'t want at a lower pricethan-face-value price.
You will save on the card, plus you will get a certain percentage of the return through your reward card. 5.
Track prices for different sellers before you shop with a specific retailer through a reward mall or cash
It is worth comparing back to the website.
Consider using tracking tools such as CamelCamelCamel, which focuses on Amazon prices, or websites like PriceGrabber and Google Shopping to see which retailer offers what you want at the lowest price
With fast research, you can get your item at the lowest price, get a Portal reward, and accumulate credit card points for that category or retailer.
This article is provided to The Associated Press by the personal finance website NerdWallet.
Robin Sachs Frankel is the writer of NerdWallet.
Email: rfrankel @ nerdwallet. com.
Twitter: @ safsaks.
Related link: NerdWallet: How to cash-
From graduation season to Father\'s Day to July 4 and beyond --to-
School expenses, you may reduce some money. Rewards-
Earning a credit card can help you save on these costs
But you can also combine these rewards with other money.
Save the strategy and help you keep more cash.
Here are five \"overlay\" strategies for credit cards. 1.
Some card issuers have online bonus mall-
Access via account login-
In addition to the money your card has earned, it offers discounts or higher rewards for hundreds of merchants.
\"I recently bought new outdoor furniture and a gas fire pit, I logged into Chase and clicked on Lowe\'s portal to get an extra 3 points for every dollar spent, \"Holly Johnson, founder of Club frugality, says club frugality is a personal finance blog dedicated to saving money.
You can check it too. Limited time-
Time promotion specific to your card.
For example, when logging in, eligible cardholders can see the Chase offer and the American Express offer.
They offer discounts or bonus rewards among dozens of retailers, including many physical retailersand-
Mortar merchant, although you have to choose to join by \"adding\" offers on your card. 2.
Registered retailer\'s email LISTEver, if you sign up for the store\'s credit card, the salesperson will give you a discount on the spot?
Again, when you shop online, many stores will give you a percentage discount on your first order if you sign up for the email list, so, get a discount based on your normal credit card reward.
Or what you want is free shipping. Seventy-
According to a report by the National Retail Federation, 5% of consumers now even expect orders to be below $50.
Registering to receive an email from a retailer can be a way to deliver free shipping, at least on your first purchase. (
Please note that the retailer charges a different shipping fee, which must not be added to your total amount until in your shopping cart. )
Another way to avoid shipping costs is: buy online, preferably through the online bonus mall, and then buy in the store.
This may also require you to submit your email address and be added to the mailing list.
However, it is much easier to agree to receive letters from retailers than to register a store card.
If these emails start to get overwhelming, unsubscribe. 3. USE CASH-
Support website with cashBACK CARD Cash-
Back-office sites like Ebates, TopCashBack, or BeFrugal are like online bonus mall, but they are not in touch with any particular card issuer.
When you join one of the portals and log in, you will see hundreds of participating retailers and the percentage of those retailers shopping through that portal.
Click on the offer you want and you will be directed to the merchant\'s website for shopping.
By using your reward card, you will get a percentage return on the purchase and an additional percentage return on shopping through the portal. 4.
Buying discounted gift cards where you shop for gift cards is still popular: in the NRF 45% Mother\'s Day consumer survey, 2019 of respondents said they plan to buy gift cards.
There are two ways to save money through gift cards.
First of all, you can buy them in a place where you already get high rewards for shopping.
For example, if you have a card that pays high rewards in supermarket shopping, pick up a gift card for your favorite retailer when you buy these groceries.
You will receive the same high rewards as milk, eggs and bread.
Your other option is to use a reward credit card to purchase gift cards through exchange sites such as GIF cardgranny or Raise, and people will sell gift cards they don\'t want at a lower pricethan-face-value price.
You will save on the card, plus you will get a certain percentage of the return through your reward card. 5.
Track prices for different sellers before you shop with a specific retailer through a reward mall or cash
It is worth comparing back to the website.
Consider using tracking tools such as CamelCamelCamel, which focuses on Amazon prices, or websites like PriceGrabber and Google Shopping to see which retailer offers what you want at the lowest price
With fast research, you can get your item at the lowest price, get a Portal reward, and accumulate credit card points for that category or retailer.
This article is provided to The Associated Press by the personal finance website NerdWallet.
Robin Sachs Frankel is the writer of NerdWallet.
Email: rfrankel @ nerdwallet. com.
Twitter: @ safsaks.
Related link: NerdWallet: How to cash-
