Today we often prefer online shopping to visiting a physical store because it is fast and convenient. But it is also a good chance to find the best value for money. Retailers offer special discounts to those who shop online and not only during sales events.
Discounts and special offers are available all year round. Werther you are a bargain hunter or an impulse buyer, make sure you check online discounts and special offers. Also, if you are a cardholder, see if your credit card opens the door to the online deals.
Preparing for a holiday season is a tough task especially when you do not have a credit card that gives you rewards or access to shopping bonuses. Credit cards for sales events is not something new. Banks offer credit cards that get you additional discounts at specific retailers like GAP, Old Navy or Walmart when you shop online. Discover cardmembers can use their accumulated cashback bonus instantly at Amazon.com. The members can use rewards to pay the whole or just a part of their purchase. The redemption rate is easy and clear: $1 Cashback Bonus is $1 to spend at Amazon.com.
So, if you are rushing around the internet looking for last-minute gifts and your budget is creaking, see if your credit card offers instant points redemption. And if you have time to shop around, you may want to apply for a new credit card to save on your gift shopping.
Do you think you get maximum cash back for every purchase you make when use your cash back credit card? There are a lot of strategies that help you earn more rewards on your everyday shopping and holiday shopping. As a rule, holiday shopping is the best time to maximize your rewards as most special offers are out during the holidays.
Another way to save more is to use so-called online cash back portals. Credit card issuers often have such portals to offer their cardholders more opportunities to save. You might have heard about ThankYou and Bonus Cash Center from Citi, and RewardsBoost mall from Barclays. These online portals offer more rewards and deals for shopping at participating retailers.
If your Christmas shopping is about to start find out if your credit card gives you access to cash back portals or offers additional discounts in specific shopping categories. Plan on your shopping to maximize your savings.
Your poor credit history should not stop you. There are a lot of credit card offers for people with bad and limited credit. And even if those cards do not offer points or cash back for purchases, they can still give you access to discounts. If it is a major bank credit card, you can get access to cash back portals. If it is a store credit card, you will always receive invitations to discount events at that store.
When looking for online deals, a store credit account is always one of the best options for people with poor credit as it can give access to deals, discounts, sales events and even special financing. Retailers usually change their special offers every month, so you will easily find your deal whether it is Black Friday or Christmas.
The earlier you start buying gifts, the more savings you catch. Never count on last-minute deals and discounts, buy as far in advance as possible. Most sales start one or even two months before such big holidays like Christmas.
No crowds, no lines, and no jams. While shopping online in the comfort of your home using your Christmas credit card, you save money, time and gas. Using big online portals like Amazon.com, you can buy everything you need in one place. And you won't pick up that cute thing you don't really need on the way to a checkout counter.
Sure thing we all chase latest devices and smartphones in particular. But what if a recipient of the gift won't use even a half of its features? Anyway, presenting a device that was trendy a couple of month ago is fine.
Make a shopping list of gifts. This will help you avoid going off on a shopping spree. Do not buy all items at once, take breaks between buys. Have a cup of tea or coffee while shopping just to walk away from the store or computer screen for a couple of minutes. Short breaks will also help you avoid buying things you do not need.
Find out about all interesting sales events and mark your calendar. If your credit card gives additional points or cash back on certain dates, mark them as well. Here are some dates when you can catch the savings this year:
November, 23 - Black Friday
November, 26 - Cyber Monday
December, 10 - Green Monday
December, 14 - Free Shipping Day
December, 26 - Boxing Day
When shopping online, shipping costs may negate all bargains you've grabbed. Look for retailers who ship for free or offer coupons for free shipping. Also, keep in mind that many retailers have a free shipping day.
Cash rewards credit cards, like the ones offered by Discover, will earn you rewards when you buy gifts or groceries at a local store. Just use them responsibly and do not forget to check out your card rewards to see if there are special offers for you.
** Products, offers and prices mentioned in the article are subject to change.
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