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Rewards and cash back maximizing - How much of it do you do?

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  • neminat
    replied
    i just pick the cc that is best for me (which is currently the Amex Gold) and use that religiously. I will also look to see what Amex Offers are going on multiple times per month to see if a site / hotel / restaurant i would go to anyway is running a deal. Saved quite a bit of money this way.

    With that said, i dont use Rakuten or any of the others. Just stick with the trusty Amex.

    Leave a comment:


  • 3piece
    replied
    Originally posted by mochi123 View Post
    I recently picked up a few stuff from BR, with 8% cash back with Ebates. Pretty neat, right?
    But then, I noticed that Gap is running 10% cash back. So I exited BR, went into Gap with BR items in the cart, and checked out with 10% cash back.

    The difference is just a couple dollars, but I felt like I wanted to maximize any cash back I am allowed to get if all I had to do was a couple extra taps on the phone.

    It made me wonder though, how much of rewards/cash back maximizing do you guys do when you shop?
    I don't. I'm just not excited about having so many credit cards, memberships, etc. I don't even wait for sale in general.

    Leave a comment:


  • harmeba
    replied
    I do ebates/rakuten. Wife got me on it about 5 years ago. Lifetime cashback so far is over $900. Biggest I have ever gotten was $40 on tirerack for 4 tires.

    Sent from my SM-G960U using Tapatalk

    Leave a comment:


  • armedferret
    replied
    Originally posted by kongmw View Post
    such as horse head masks?
    Kinda.

    Leave a comment:


  • kongmw
    replied
    Originally posted by armedferret View Post
    there's ways around it.
    such as horse head masks?

    Leave a comment:


  • Burner
    replied
    This is a timely thread. Out of some combination of suspicion and perceived hassle, I have never used these types of rewards (outside my normal X% cash back credit card). Until yesterday...

    I have been in the market for a do-all four-season navy wool blazer for over a year. Based on previous threads here, I settled on unstructured hopsack with patch pockets as the target style. S&M and Bonobos seemed to best fit the bill, with S&M the frontrunner due to price. But they never seemed to have my size during any of their sales and I couldn't stomach full price. Yesterday's Bonobos sale put their Joe-approved Italian hopsack blazer at $234. I saw on Reddit that Rakuten had 15% cash back on Bonobos plus a $10 sign-up bonus, which brought it down to just under $190. So, I bit the bullet and both signed up for Rakuten and ordered the blazer. Couldn't pass it up at that price.

    Now, I'll collect my cash back and opt out of Rakuten...

    Leave a comment:


  • armedferret
    replied
    Originally posted by mebejoseph View Post
    [MENTION=15101]armedferret[/MENTION]

    You can't escape. "They" are getting hundreds of pages of information about everything they do and aggregating it.

    https://slate.com/technology/2019/11...Cn2e5S-MCr5gTc


    But I don't bother shopping around with ebates and similar. It's not worth the time to me. I do have a couple of rewards CC I shop with. One offers extra points if I have its web browser extension installed. I do that.
    Oh I'm well aware.

    Protecting certain members of dod in this arena is kinda my game....there's ways around it.

    Leave a comment:


  • mebejoseph
    replied
    [MENTION=15101]armedferret[/MENTION]

    You can't escape. "They" are getting hundreds of pages of information about everything they do and aggregating it.

    https://slate.com/technology/2019/11...Cn2e5S-MCr5gTc


    But I don't bother shopping around with ebates and similar. It's not worth the time to me. I do have a couple of rewards CC I shop with. One offers extra points if I have its web browser extension installed. I do that.

    Leave a comment:


  • armedferret
    replied
    Originally posted by aps2012 View Post
    Of using credit cards or other electronic payments? Or of cashback rewards programs?
    rewards and points programs not attached to an existing card.

    frequent buyer points, clubs, all that stuff...it's just data harvesting with an incentive attached to get you to agree to it.

    i mean it's totally your call, but my line of work already has enough risks, and while OPM already completely borked me and everything's out there, a lot has been thankfully updated/changed to minimize risk. call it professional paranoia if you will.

    Leave a comment:


  • JBarwick
    replied
    Never done the rebates sites. The only credit card hopping I do is Citi Double Cash 2% on all purchases then an Amazon card for 5% back. The rest is just a headache.

    Leave a comment:


  • charlielo
    replied
    Originally posted by armedferret View Post
    Those are all just ways for companies to aggregate personal information about you and sell it to the highest bidder.

    I opt out.
    I agree. I don't ever give any info I don't have to, otherwise I start getting bombarded with mail/e-mail from places I've never heard of. I have 1 point/cash back type of credit card that I use for all of my automated and online purchases and that's it.

    Leave a comment:


  • aps2012
    replied
    Originally posted by armedferret View Post
    Those are all just ways for companies to aggregate personal information about you and sell it to the highest bidder.

    I opt out.
    Of using credit cards or other electronic payments? Or of cashback rewards programs?

    Leave a comment:


  • JT10000
    replied
    Originally posted by mochi123 View Post
    how much of rewards/cash back maximizing do you guys do when you shop?
    I never do.

    Leave a comment:


  • Deke
    replied
    Originally posted by hockeysc23 View Post
    The only thing I do is max cash back based on which credit card I use. I Will also do searching for coupon codes but I just don’t trust those ebate type websites.
    Yeah, my wife does ebates (which I think is now Rakuten?), but I generally stick to my credit cards for my cashback/reward points optimization. I know for Chase, you can go through the Ultimate Rewards portal and often get an additional percentage kickback (on top of the normal card rewards) from a lot of the major online retailers.

    Leave a comment:


  • hockeysc23
    replied
    The only thing I do is max cash back based on which credit card I use. I Will also do searching for coupon codes but I just don’t trust those ebate type websites.

    Leave a comment:

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