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Maximizing Cash Back: A Comprehensive List in: Subjects › Personal Finance

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Like most others who frequent this forum, I always search for the best deals on products I purchase and once I have chosen a store, I use the appropriate card and/or promo codes to get the largest discount and most Cash Back on my order. There are many threads dedicated to comparing various credit card reward programs, but in addition to the base Cash Back rate many cards have online malls which offer up to 20% Cash Back on purchases from select stores. Examples include Chase Rewards Plus, ShopDiscover, and Thank You Shopping. When I purchase items from big-name retailers I usually compare the offers at these various sites along with Fat Wallet Cash Back, and choose the option offering the most Cash Back. Recently I've been thinking how inefficient it is to do this comparison mentally or physically every time I shop, so I'm starting this thread to record and compare options for future purchases. I've included a few merchants in the QS to begin. My intent is that the FWF community as a whole can contribute to and update this list to become more inclusive, comprehensive, and valuable to the community. So, next time you shop at a site not listed and compare various Cash Back options, please share your findings; if you find any Cash Back offers not listed or you notice a rate has changed, update the appropriate information; then when you're ready to shop come and compare here first. Enjoy!


Summary: There are many Cash Back programs out there. A number of rebates are open to anyone and are summarized on sites such as evreward.com and rewardsdb.com or cashbackchart.com. However, a lot of credit card companies offer their own shopping sites which offer up to 5-20% Cash Back (e.g. Chase Rewards Plus) and these are not always included alongside rebate offers on the aforementioned sites. This thread will hopefully synthesize purchasing options for popular stores and thereby serve as a resource when it's time to do some online shopping. Please help construct and maintain this list as you compare the options yourself.

The List:

Amazon.com
5% Citi MtvU
3% Amazon Visa

Apple.com
5% ShopDiscover
4% Chase Rewards Plus
1% Fat Wallet
1% Thank You Shopping (TYP)

BestBuy.com
5% ShopDiscover
1% Chase Rewards Plus
1% ebates
1% Thank You Shopping (TYP)

Buy.com
1% FW
1% ebates
2% Chase
"1% - 5%" Live.com

CircuitCity.com
2% FW
5% ShopDiscover
5% CircuitCity Card (Chase)
3-5% Live.com Cashback

Dell
5% ShopDiscover
2.5% Fatwallet
2% Chase Rewards Plus

Drugstore.com
25% Live.com
10% ShopDiscover
7% FW
5% Chase Rewards Plus

FootLocker.com
20% Live.com

Hotels.com
5% Chase Rewards Plus
5% Fat Wallet
5% ShopDiscover

Lucky Jeans
10% Lucky Store HSBC Credit Card (towards $25 giftcard)
10% ShopDiscover

Newegg.com
2.50% Live.com
2% ebates
2% Chase Rewards Plus
1% Fat Wallet
1% Thank You Shopping (TYP)

OfficeDepot.com
5% Discovery
5% Chase Rewards Plus
2% ebates
1% Fatwallet

OfficeMax.com
3-5% Live.com
3% ebates
3% Chase Rewards Plus

Priceline.com
3% Fat Wallet
1% Chase Rewards Plus
* pay with the Costco AMEX for an additional 2% back on travel!

Staples
3% Chase Rewards Plus
2% ebates.com
1% TYP

Sears
5% Discover (via shop discover)

Target.com
20% Live.com
6% Chase Rewards Plus - Promotional Rate Ends 03/31/2009
6% Thank You Shopping (TYP)
5% ShopDiscover

Textbooks.com
5% Fat Wallet
3% Thank You Shopping (TYP)

TigerDirect.com
5% ShopDiscover
5% Live.com
4% Fat Wallet
3% Chase Rewards Plus
2% Thank You Shopping (TYP)

WalMart.com
5% ShopDiscover
1% Fat Wallet
1% Chase Rewards Plus
2% Thank You Shopping (TYP)

Help this list grow! Please add merchants and Cash Back offers to the QS as you shop and compare.

Message edited by: mlayu on 2009-09-30 11:11:39 CDT

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thank you for starting this thread, OP! You might want to include AAA discounts as well.


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Live.com cashbacks are pretty decent too. Updated QS with a couple.


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great thread...


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Nice work...green for you!


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Don't forget live.com CashBack. Long list but some notable omissions. Percentage cb tends to be good.

There's also a site that does some of these comparisons: www.rewardsdb.com.


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Not a bad idea for a thread. Most are already aware of evreward.com (one of the best sites ever for finding the best overall deal IMO) which is very similar and includes airline mile rewards, etc. Unfortunately they do not include Chase Rewards or TYP. If they did it would be a one stop shop. With the ease of use of that site I would favor finding the best deal there then comparing to the Chase rewards and TYP before I made a purchase.


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rst113 said:Not a bad idea for a thread. Most are already aware of evreward.com (one of the best sites ever for finding the best overall deal IMO) which is very similar and includes airline mile rewards, etc. Unfortunately they do not include Chase Rewards or TYP. If they did it would be a one stop shop. With the ease of use of that site I would favor finding the best deal there then comparing to the Chase rewards and TYP before I made a purchase.Comparing the CC rewards programs is fundamentally what I'm trying to accomplish here, as there are already many reward comparison sites out there (two of which have been mentioned in this thread thus far). However, I've never seen anything that includes the CC programs; personally I have a Chase Card, Discover Card, and Citi Card (TYP) which all offer independent programs... so I've done four-way comparisons in the past. Hopefully this thread can reduce that amount of work in the future. Let's try to limit to the top-paying reward site and all major CC programs so everyone will be able to utilize at least one link for each store and each store's list does not grow too long.


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very good. I use Hotels.com, it has a great rate guarentee, great bonus program, and now I find this, so super green for you.


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Can we also add to this thread in paranthesis after the card name how the rewards are given?

For example if one card gives 5% via 5 points redeemable for $50 check and another gives the 5% Cash Back automatically at the end of the month, that would be much preferred.


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Don't forget about the five-finger discount!


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thok said:Don't forget about the five-finger discount!

Its more commonly referred to as the "Winona Rider Discount"


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Evreward.com is also useful for this purpose.


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am i the only one here also using BigCrumbs? So my shopping sequence, for example, has been Fatwallet > Big Crumbs > eBay > purchase. they're just crumbs, but they can add up


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LH2004 said:Evreward.com is also useful for this purpose.

ditto


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Evreward does not cover many programs though, including those mentioned in the OP.


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This could become a very useful thread. Thanks OP.


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rst113 said:Not a bad idea for a thread. Most are already aware of evreward.com (one of the best sites ever for finding the best overall deal IMO) which is very similar and includes airline mile rewards, etc. Unfortunately they do not include Chase Rewards or TYP. If they did it would be a one stop shop. With the ease of use of that site I would favor finding the best deal there then comparing to the Chase rewards and TYP before I made a purchase.evreward does cover TYP. Try searching Shoebuy.com at evreward.com and you will see TYP.


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This thread is a good idea. However, I doubt it will work in the long run because these programs tend to change their terms and percentages without announcing the specific changes to users. So we would have a difficult time keeping this up-to-date.


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