Putting It All Together: Rewards, Discounts Coupons and Savings

By: Roger A Lee

As a rewards credit card holder, you should consider yourself ahead of the game, but you may be missing out on additional savings. It's possible to reap more benefits from most of your purchases without sacrificing the credit card rewards you are already earning. It's fast, simple and best of all, it's free.

Most of the items you currently buy can be purchased online. If you do not routinely make purchases online, consider the time and hassle it takes to drive to the store, walk through to select your items, stand in line and drive home. Shopping online is an efficient and less stressful way to make purchases while saving more money.

Many products and retail stores are available by using your credit card malls for online shopping

When you shop online, you can take advantage of online shopping cash back rewards in addition to the credit card rewards you currently earn. Like credit card earnings, with these programs you will receive a portion of the transactions you make. Your online shopping earnings are deposited into your account. When you are ready to cash in these earnings, you can get a check or PayPal deposit.

Just log into your online shopping cash back rewards account, click a link to your favorite store and shop as usual. Complete the checkout process and pay with whichever credit card offers the best rewards for you. By taking this one extra step, you will earn rewards from your credit card and the cash back online shopping site!

An example of one source is the website I founded, BeFrugal.com, which offers an average of 5% Cash Back at 1600 online stores, including well known merchants such as Macy's, Kohl's, Target, Dell, and Amazon.com.

Earning two forms of rewards on the same transaction is great, but it's possible to save even more using an online coupon. You can often use a promo code for a discount plus earn cash back while earning credit card rewards, all on the same transaction. Since many online shopping sites also offer free coupons, it only takes a quick search for an online promo code or free shipping code to get additional savings.

Sites like BeFrugal.com have thousands of deals like this. Just search by store or category to find the best money-saving offer.

In under a minute with a few extra clicks, you can:

Score extra savings from a coupon code

Earn cash back from an online shopping program

Get your credit card rewards, too

They key is to conduct as many purchases online as possible (rather than at brick and mortar stores) to get the most savings.

It may take you a few minutes looking around and getting familiar with these sites, but hey you never get anything for free. But in no time, you can be saving lots of cash, enough for your next vacation. Imagine using your rewards card for bonus miles and cash back, while purchasing your tickets and hotels at a discounted rate online and getting points with your frequent flier club, points on your credit card and bonus point at the hotel you booked and then more points or discounts through the online site you used to book your vacation. Before you know it you will have enough for next year's vacation.

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Barry Norman is a contributor to and blogger at firstcredit.net. For over ten years FirstCredit.net has provided consumers free information helping them make sense of credit cards and the financial industry. Whether you are a longtime cardholder or looking for your first credit card, FirstCredit.net can help you make informed credit decisions.

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