I love shopper rewards, but not the kind that require me to take out a credit card. Yes, I know there are tons of personal finance gurus that would disagree with me on this, but I do not feel comfortable using a credit card. Call it lack of discipline, call it sheer fear…heck, you could call it pure laziness, but I am trying to avoid using credit cards for any reason.
No, the rewards that I like come from shopping that I am already doing. You can find great shopper rewards from places you are probably already visiting- your grocery store, the gas station, or doing your online shopping for the holiday season.
As someone who is frugal, I tend to overlook signs that advertise reward cards because I automatically associate them with credit cards. For example, our local
Speedway had advertisements that were hanging over their pumps, advertising gas savings and I immediately got that glazed over look and would ignore them. There was no way I would sign up for a gas card, nope, not me!
Fast forward to a day trip with my sister and she whips out her
Speedy Rewards Card, which credits her three cents per gallon and then gives her an additional savings on other items in their store. She explained that you could get points for buying your gas there and then you could credit those towards gift cards. This was an opportunity that I would have lost out on if she had not explained that this was not a credit card, but just a reward card. Now I happily swipe my free card and get my three cents back on each gallon. Yes, it is a drop in the bucket, but why not take advantage of it? Many of my frugal endeavors might only save me pennies, but pennies do eventually add up to dollars, and I am looking forward to putting some of that money in
my secret account.
There are also rewards at grocery stores. Many grocery stores offer gas savings or savings on your groceries, just for using their free card. There could also be rewards available for your child’s school, as many grocery stores offer a percentage back on your spending for non-profit organizations and schools.
Finally, there are great rewards programs for doing your online shopping. I have always been a fan of
MyPoints because I could do my shopping and use my points on gift cards for myself. I also love
Ebates and enjoy getting my big fat check every now and then. I won’t go into detail, but these are two shopper programs that have some great benefits IF you are already planning to shop online, not shopping just to get points & rewards.
Since I often have that glazed over look when it comes to reward cards, what are some of the cards in your wallet that you find have been beneficial to your family? What rewards do you cash in on?