It’s now possible to activate all 5% category credit cards for the first quarter of 2024, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and some smaller cards. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.
Dates: January 1st – March 31, 2024. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone of a day or two.
Chase Freedom – Grocery, Fitness, Gym, Spa
Activation Link / FAQ / Sample Stores & Exclusions / Our original post
With the Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend at Grocery Stores, Fitness Club & Gym Memberships, Self-Care & Spa Services.
Grocery Stores – This is always a favorite since we all shop for groceries. Plus, you can max this out by purchasing gift cards to other retailers.
The terms exclude Walmart and Target, though I believe in the past readers have said that these sometimes do get classified as a grocery store.
Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery, as well as smaller grocery stores.
Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items.
Purchases made at gas stations from merchants who also operate grocery stores are not included in this category.
Delivery service merchants will be included if they classify as a grocery store merchant.
Fitness Club & Gym Memberships
Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training.
Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category.
In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category.
Also, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness club or gym membership merchant.
Self-Care & Spa Services
This category includes self-care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services.
Self-Care and spa services are typically provided by licensed professionals, however, services provided by medical professionals will not qualify.
Purchases of self-care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel, will not be included unless the merchant classifies the transactions in this category.
Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.
Tip: Click this link (login required) to check how far you are along the $1,500.
Discover – Restaurants, Drugstores
Activation Link / Our original post
With your Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases at Restaurants and Drugstores.
Restaurants – always a useful category
Drugstores – many pharmacies sell gift cards for a wide variety of retailers which is an option for maxing this out
Activate to earn 5% Cashback Bonus at Restaurants and Drug Stores from 1/1/24 (or the date which you activate 5%, whichever is later) through 3/31/24, on up to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Drug Store purchases include those made at stand-alone drug stores, pharmacies, online pharmacies, and some pharmacies located inside of retail stores.
Tip: Login, then click this link to see you how far along the $1,500 you are.
Citi Dividend – Amazon, Streaming
Landing Page | Our Original Post
With your Dividend card, activate to earn 5% back this quarter on Amazon and select streaming services. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.
Amazon
Select Streaming Services – Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.
US Bank Cash+/Elan – Select your Categories
Activation link | Merchant List | Our Original Post
U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.
Here are the current options:
TV, Internet, and Streaming Services
Home utilities
Select clothing stores
Cell phone providers
Electronic Stores
Gyms/Fitness
Fast food
Ground Transportation
Sporting goods
Department Stores
Furniture Stores
Movie theaters
Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.
Bank of America Customized Cash Rewards
Our Original Post
The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.
Gas and EV charging stations (default category)
Online Shopping; this category also includes cable, streaming, internet, and phone plan
Dining
Travel
Drug Stores
Home Improvement/Furnishings
This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.
Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.
Other Cards with 5% Category
Nusenda FCU – ADD ME
Landing Page | Our Original Post
Earn 5% this quarter on up to $1,500 in purchases on ADD ME
This is on top of the regular 1% for a total earn of 6% back. (apparently no longer the case?)
Abound CU – ADD ME
Landing page | Our Original Post
Abound Credit Union Visa Platinum card offers 5% on up to $2,000 on ADD ME purchases.
Langley FCU – Grocery, Wholesale & More
Landing Page | Our Original Post
Langley Federal Credit Union offers 5% back each month in one selected category, on up to $100 cash back total ($2,000 spend).
The category options at time of this writing: Streaming Services, Internet, Cable, Groceries & Wholesale Clubs, Department Stores
Vantage West [AZ] – Select your Category
Landing Page | Our Original Post
Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:
Safe Credit Union Cash Rewards Visa card offers 5% this quarter on your choice of one category each quarter (with no apparent limit). This quarter the categories are:
Update 12/15/23: Just a reminder that this $250 signup bonus is still around.
Update 10/24/22: Card is now live, application link here.
Update 10/19/22: Thanks to the official press release we now know the following:
Card will have a $95 annual fee, waived first year
Sign up bonus of $250 after $2,000 in spend within the first 120 days
Pilot program offering a card with a LED light that lights up when you make a contactless payment
Original post: U.S. Bank is launching a new credit card called ‘U.S. Bank Shopper Cash Rewards Visa Signature Card‘, it’s not accepting applications yet but you can join the waitlist. At the moment we only know the earning rates on this card and they are as follows:
6% cash back on combined eligible purchases each quarter with two retailers you choose ($1,500 limit)
Ace Hardware
Amazon.com
Anthropologie
Apple
Bed, Bath, & Beyond
Best Buy
Chewy.com
Crate & Barrel
Disney
Home Depot
Ikea
Kohl’s
Lowe’s
Lululemon
Macy’s
Menards
Nordstrom
Pottery Barn
QVC
Restoration Hardware
Target
Walmart
Wayfair.com
Williams Sonoma
5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center
3% cash back on eligible purchases each quarter in your choice of one everyday category, like wholesale clubs, gas and EV charging stations, or bills and home utilities ($1,500 limit)
Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.
Editorial Disclosure:Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Snapshot: Provided that you’re a student, you can gain access to fantastic cash back rates (anywhere from 1% – 10%, depending on the category), even if you have no prior credit. Did we also mention the annual_fees annual fee?
Pros
Cons
annual_fees annual fee
This card allows balance transfers but there’s no introductory APR for them
3% cash back on dining, select streaming services, entertainment and grocery store purchases
Potentially higher APR
A potential for relatively low APR for a student credit card
bonus_miles_full
Like what you see? Learn how to apply for the Capital One SavorOne Student Cash Rewards Card
Capital One SavorOne Cash Rewards Card – which you generally have to have at least a good credit score to qualify for (and it has a higher regular APR)*.
You get access to amazing cash back rates on dining and grocery shopping – which are common expenses – in addition to a flat 1% cash back on everything else. This card does have a relatively high APR (see how it compares to other cards) but no annual fee, so as long as you pay your statement on time, you won’t have to worry about interest. (Paying your credit card bill on time will also help you build good credit in preparation for your next card, auto loan, or apartment application, after you graduate).
When you’re just starting out on your own having no credit or bad credit can be a barrier to many things you need in adulthood, like an apartment lease, a car loan or a halfway decent credit card. You need credit to get credit, and most of the time the options aren’t great.
This card is great (actually). Like we said before, many of this card’s benefits are very similar to the card_name. But where you need great credit to qualify for that card, you can qualify for the same benefits by being in school.
So if you’re worried about a low credit score, or maybe you’ve just turned 18 and are starting out on your own and have no credit, provided that you’re a student (among other qualifying factors) this is a great credit card to apply for.
Great Rewards for Dining
If you’re cramming for a test and just don’t have the time to plan out meals and need to Uber Eats some food to keep the study session going uninterrupted, at least you’ll be making a whopping 10% (10%!) cash back on your splurge (through 11/14/2024). 3% cash back on grocery store purchases (excluding superstores like Walmart® and Target®) is also great – not only are groceries a regular expense, but 3% is a decently high rate for a cash back category.
Whether you’re the kind of shopper who loves spending time researching a great deal, or you don’t have the mental energy to pay attention to such things, this card has you covered. Not only does it have great cash back rates, but it also has a varied enough mix of rewards categories that you can earn cash back without having to go out of your way to make unusual purchases.
Like what you see? Learn how to apply for the Capital One SavorOne Student Cash Rewards Card
The Drawbacks
No Introductory APR
If you’re looking for a 0% APR offer, you won’t find it with this card. That means you can’t use this card to make a major purchase you can pay off over a year or two without accruing interest. That’s certainly not a deal breaker for most students, but it’s something to consider.
Potentially High APR
It’s hard to say what ongoing APR you will get when you apply for this card, the quoted range is quite wide at reg_apr,reg_apr_type. If you qualify for a lower APR, great! But if you end up paying a higher APR, that could be a drawback. Especially if you want to rely on this card to help you cover larger purchases.
Is It Worth It?
For students who eat out or grab coffee on the go a lot, this card may be a good option. It lets you earn decent cash back perks, and as long as you pay off your statement every month, that’s cash in your pocket.
What Are The Credit Limits For Capital One SavorOne Student Cash Rewards Card (Minimum and Maximum)?
Your credit limit is determined by your credit history and factors such as income. From what we’ve seen other users report, credit limits may range from $300 to $700 (at least initially), though approvals could certainly fall outside those ranges.
How Soon Can I Increase My Credit Limit After Being Approved For A Capital One SavorOne Student Cash Rewards Card?
Capital One may let you request a credit limit increase after 6 months, though approval of the increase is not guaranteed. During that time you will need to demonstrate that you can handle your credit responsibly, which means both using and paying off your bill on-time.
How Good Is A Capital One SavorOne Student Cash Rewards Card For Building Credit?
This is an excellent card for building credit because you don’t necessarily need great credit to get it. Capital One is a well-recognized credit card provider that typically reports payment history to the credit bureaus. That helps you build a stronger credit profile.
Learn more about how to apply for the Capital One SavorOne Student Cash Rewards Card here:
Advertiser Disclosure: Credit.com has partnered with CardRatings for our coverage of credit card products. Credit.com and CardRatings may receive a commission from card issuers.
Looking for the best coupon sites? Coupon sites can help you save money, get free gift cards, and even allow you to get free stuff. Everyone likes getting a good deal. Using coupons is a great way to save money on things you buy every day. Now, with online shopping becoming more popular, there are…
Looking for the best coupon sites?
Coupon sites can help you save money, get free gift cards, and even allow you to get free stuff.
Everyone likes getting a good deal. Using coupons is a great way to save money on things you buy every day. Now, with online shopping becoming more popular, there are websites that give you a lot of good deals. These sites not only have discounts and codes to save money but also share useful tips to help you save even more.
Key Takeaways
Coupon sites are an easy way to save while shopping online.
The best coupon sites have a variety of money-saving options including cash back, promo codes, and even price checking.
My favorite for cash back is Rakuten.
My favorite promo code browser extension is Capital One Shopping.
My favorite for saving money on gas is Upside.
Recommended reading: Is Couponing Worth It?
15 Best Coupon Sites To Save Money Every Day
Below are the top coupon sites that I recommend trying out.
1. Rakuten
Rakuten (formerly known as Ebates) is a popular cash back site that gives you cash back on a wide range of items that you can buy online, and you can earn free money for spending how you normally would online.
I have been using Rakuten for years and it is so easy to use, plus it’s free! In fact, I just received my most recent Rakuten payment yesterday for $60.
You simply choose a store where you want to buy things, like Walmart, Target, Sephora, Chewy, or Old Navy on the Rakuten website. (You will start at Rakuten’s homepage, their app, or via their browser extension). Then, you click on the store through Rakuten’s platform, and you shop online there just like you usually do.
The cash back is activated automatically, and it will be added to your account without any extra work needed from you.
Rakuten earns a commission for directing you to the store where you shopped, and they share some of that money with you as a reward. This helps you save money and adds a little extra to your pocket.
Please click here to sign up for Rakuten for free.
2. Capital One Shopping
Capital One Shopping automatically applies coupon codes for many different online stores. Using Capital One Shopping is free, and it’s a browser extension that works with all the main web browsers.
I personally have this browser extension installed on my laptop, and it’s been a no-brainer.
Capital One Shopping is a great promo code site because it automatically adds coupon codes while you shop online. This saves you time and money since you don’t have to search for coupon codes yourself.
This is one of the best automatic savings sites because you don’t need to do anything extra. The Capital One Shopping browser extension does all of the work for you. It checks different coupon codes when you’re checking out and automatically uses the best coupon codes for your purchase.
It’s free to use Capital One Shopping, and it is a browser extension that works with all major browsers.
You shop as you normally do, and the Capital One Shopping app works quietly in the background. I have it on my laptop, and it’s amazing. It helps me find the best deals without any extra effort on my part.
You can sign up for Capital One Shopping here.
3. Swagbucks
Swagbucks is a rewards site where you can get cash back when shopping online and find coupons and promo codes to use.
Some sites listed on Swagbucks where you can get cash back or use promo codes include Kohl’s, Macy’s, Walmart, Amazon, and more.
I personally have been a member of Swagbucks for around 10 years now, and I have earned over 110 free gift cards by using their rewards platform. So, I definitely believe in this site!
Plus, there are also many other ways you can earn points on Swagbucks such as watching videos on their website, scanning your receipts, answering polls, and even searching the web using their search engine.
Here’s how Swagbucks works:
You join Swagbucks through my referral link, and receive a $10 bonus.
Earn points by using their coupon codes or cash back links.
Then, you can redeem your points for PayPal cash or gift cards (such as to Amazon or Walmart).
And, that’s it! It’s very easy.
4. Upside
Upside gives cash back on gas that you buy for your car at gas stations, giving you even more ways to save on your everyday expenses.
Upside helps you find gas stations where you can get cash back on your purchases. Just sign up for a free account, and then use the Upside app to find nearby gas stations.
You can get up to $0.25 cash back per gallon at gas stations, which can add up quickly for doing something that you already have to do (filling up your gas tank).
Plus, there are more than 50,000 locations nationwide, such as Shell, Phillips 66, BP, Casey’s, and more.
You can check out Upside here to learn more.
5. Fetch Rewards
Fetch Rewards isn’t exactly a coupon site, but you do get to earn points for your normal everyday shopping. I use it each time I go grocery shopping!
With Fetch Rewards, you get points by taking pictures of your receipts and submitting them through the Fetch Rewards app. This works for receipts from any store, whether it’s a grocery store, clothing store, restaurant, gas station, and more.
Afterward, you can exchange the points you’ve earned for gift cards.
Here’s how Fetch Rewards works:
Shop like you normally would.
Scan your receipt with your cell phone after you’re done shopping.
Earn points on Fetch Rewards automatically.
You can sign up for Fetch Rewards here.
6. RetailMeNot
RetailMeNot is a site that has coupons, promo codes, and cash back offers.
They have a deal finder extension which automatically applies coupon codes as well as gives you cash back up to 10% when you shop online.
Popular stores available through RetailMeNot include Amazon, Target, Ulta, Lowe’s, Zales, American Eagle, and more. There are over 30,000 stores available on this site, so I’m sure you’ll find some easy savings by using this platform.
7. Honey
Honey (also known as PayPal Honey) is a browser extension that finds coupon codes for you when you shop online.
You simply just install the Honey browser extension, and then it automatically finds and applies available coupon codes and promo codes to your shopping cart so that you can save money. It works with over 30,000 stores, such as restaurants, clothing stores, travel booking, and more.
You can then redeem your points for cash, gift cards, or PayPal shopping credits.
You can learn more about Honey by clicking here.
8. Groupon
Groupon has deals on experiences, products, and services in your local area, and you can find discounts on dining, entertainment, travel, and more, all designed to help you save while supporting local businesses.
You’ve probably heard of Groupon before, but perhaps you haven’t used it in a while. Yes, it is still around and my sister actually uses Groupon all the time! I haven’t used it in forever, but I plan on changing that – I simply just forgot about how great this platform is.
You can use Groupon to get deals where you live, such as for restaurants or spas near you. Or, you can also use them when you’re on vacation to get deals on activities (such as tours), admissions to museums, discounted restaurant meals, and more.
For example, here are some deals on Groupon that I found:
A massage for $46.75 (full price is $75)
A meal at a restaurant for $21.38 (full price is normally $35)
Admission to an aquarium for $14.96 (normal price is $24.99)
Here’s how Groupon works: You simply browse on the Groupon site for a deal you’re interested in. You then buy it directly on Groupon. Then, to use it, you simply go to the business and present your Groupon to get your deal (make sure to follow any terms too).
Please click here to find Groupon deals near you.
9. Ibotta
Ibotta is an app that gives you cash back on your grocery purchases (as well as many other stores). You can check out offers, upload your receipt, and receive cash back credited to your account.
You can get cash back at places such as Home Depot, Best Buy, Walmart, Sam’s Club, and your local grocery stores.
You can earn cash back both online and in-store with Ibotta, making it unique compared to other companies. Additionally, you can link your preferred loyalty cards to your Ibotta account, and Ibotta will automatically use loyalty discounts for you.
Please click here to sign up for Ibotta.
10. Coupons.com
Coupons.com has both printable and digital coupons for groceries, household items, baby items, pet care, and personal care products. So, whether you are looking to use coupons for your online shopping or if you want to use them in person at the store, this is a great site to start using.
Plus, it is free!
Coupons.com is used by over 2,000,000 people each year, and they share over 2,000 working coupons each month.
For their free printable coupons, you simply can browse on their site for the coupons that you want to use, print them out, and bring them to the store with you.
11. SlickDeals
SlickDeals is a deal-sharing community where users post and vote on the best deals they find online, with categories ranging from tech to clothing. This is also what sets SlickDeals apart from other coupon sites – the deals are found and shared by people like you and me.
They share coupons, promo codes, and discounts available for you to use.
Over 12,000,000 shoppers use SlickDeals each month, and they have saved over $10 BILLION since the site was started.
12. Amazon Coupons
Amazon Coupons are discounts and deals on products sold on Amazon’s website.
They are super simple to use too!
When you’re shopping for something on Amazon, sometimes it will show you a coupon next to the price. You simply “clip” the coupon before adding the item to your cart, and the discount will be applied at checkout.
I see these all the time and recently used one to save $2.25 on a train set for my daughter. All I had to do was click on the green coupon button next to the price when on the sales page for the train set on Amazon. It couldn’t be any easier!
Another way to use coupons on Amazon is to go to the Amazon Coupons homepage, and see what coupons are available to you.
Some coupons that I see on Amazon Coupons right now include $15 off a pair of walking shoes, 50% off a toaster, and more. There are a ton of coupons available in many different categories such as health, grocery, beauty, electronics, home, toys, and more.
13. Hip2Save
Hip2Save is a blog-style coupon site that shares the latest deals, coupons, and money-saving tips.
This site shares coupons and deals information on many different stores such as Amazon, Aldi, Walmart, Target, Walgreens, and more.
In my opinion, this is one of the best coupon websites, because they help you in so many areas related to saving money and finding the best deals on stuff.
What I love about Hip2Save is that this site shares where you can find the best deals (such as for specific toys or gaming systems) as well as the best deals at a specific store (such as Aldi Weekly Finds Under $10). It’s nice to see what items are currently at a low price and where to buy them.
So, instead of just sharing coupon codes, this platform shares so much more so that you can save the most money and not miss out.
14. The Krazy Coupon Lady
The Krazy Coupon Lady has deal alerts, coupon matchups, discount codes, and money-saving tips for popular stores. They share up-to-date information on the best deals and teach you how to become a smarter shopper.
Some of the stores that you can find deals for include Amazon, Target, CVS Pharmacy, Walgreens, Barnes & Noble, Kroger, and more.
This is a great all-around website that will help you to save more money.
15. Brad’s Deals
Brad’s Deals is a site that shares deals, coupons, and even has shopping guides. Over 5,500,000 people use Brad’s Deals each month, and over $200,000,000 is typically saved each year by their readers.
When Brad’s Deals comes across a good deal, they share it as a blog post so that people don’t miss out. For example, they may share a quick blog post on how you can get luggage for cheap or a good deal on leather gloves that they recently came across.
These deals are all handpicked personally by their team, so you know that these deals are real and not a waste of time.
What Makes A Good Coupon Site?
So, after reading about all of the different top coupon sites above, what actually makes a good coupon site?
As you read above, there are many different coupon sites, so where should you start?
Different things work for different people, so here are some things to look for when choosing a coupon site:
Wide range of coupons – It’s easiest when a coupon site has coupons for many different stores so that you can use just one coupon platform.
Up-to-date coupons that aren’t expired – A good coupon site should regularly update its coupon database to make sure that you always have access to the latest deals and discounts.
Easy to use – The easier to use, the better. I really like browser extensions because they are set-it-and-forget-it; they will automatically apply coupon codes for you. Other things to think about related to this include if the site is available on your cell phone, such as for Android devices or iOS.
Reliability – One thing I dislike about some coupon sites is that they give you coupon codes that don’t work. So, it’s a waste of time. Some coupon sites are much better than others and give you real coupon codes (such as the sites above).
You may also want to think about if you are looking for a site that has mainly online retailers or if you are looking to find deals on in-store purchases as well.
The Different Kinds Of Coupons
Another area to think about is the different kinds of coupons and discounts that you may come across.
Manufacturer’s coupons
Manufacturer’s coupons come from the product manufacturer, giving you a discount on their item at any store selling it. These coupons usually last longer and can be found in newspapers, magazines, or online. You can also combine them with store coupons for more savings. Examples include coupons from companies like Procter & Gamble, General Mills, Tide, and Colgate.
Store coupon
Store coupons are meant for a specific store, like Target or Walmart, and can only be used there. You can find store coupons in weekly flyers or on the store’s website, and they are usually designed to get customers to shop at their particular store. For example, you may see a store coupon where a grocery store is giving $5 off any purchase over $100.
Cash back
Cash back offers give you back a part of your purchase as savings. So, you may get 5% back on a purchase at an online clothing store for simply shopping on a cash back rewards site. Unlike coupons, you need to join a cash back website or app, such as Rakuten, Swagbucks, or Ibotta. What’s great about cash back sites is that you can also combine them with other coupons or discounts so that you can save even more money. For example, you can use coupon codes and a cash back website on the same exact purchase.
Coupon code
Coupon codes are combinations of letters and numbers used online to get discounts during checkout (for example, a coupon code could be BLACKFRIDAY123). They are usually tied to a particular product or retailer and can sometimes be used alongside other promotions. You can discover coupon codes on coupon websites, retailer sites, or in promotional emails. Coupon codes are a quick and convenient way to save money on your online purchases, making them a valuable tool for smart shoppers.
Frequently Asked Questions About The Best Coupon Sites
Below are common questions about coupons and how to find the best coupon sites.
What is the best website to get coupons?
My favorite sites to get coupons and discounts include Rakuten, Capital One Shopping, and Upside.
Where do extreme couponers get their coupons?
Extreme couponers get their coupons from many different places, such as newspaper inserts, store sale flyers, online coupon websites like SmartSource, and even by searching on a company’s social media or their website. By using these different sources, extreme couponers can find the most coupons available to them and even build up stockpiles of items at a much lower cost than the retail price.
Recommended reading: 8 Ways To Be An Extreme Cheapskate
Where can I find the best printable coupons?
Websites such as Coupons.com, SmartSource, and RetailMeNot have a lot of different printable coupons for use in stores. To find the best printable coupons, you will want to visit these printable coupon websites and search for the products or brands that you want to buy. Of course, always make sure to check the expiration dates and any specific terms and conditions before printing.
What browser extensions can I use to find coupons?
My favorite coupon code browser extension is Capital One Shopping. This type of tool automatically searches for and applies the best coupon codes to your purchase during the checkout process (and then chooses the highest dollar discount), which makes it easy to save money without spending time manually searching for deals and coupon codes (which can be quite annoying and time consuming). Coupon code browser extensions are available to download on different browsers such as Chrome, Safari, Firefox, and more.
Best Free Coupon Websites – Summary
I hope you enjoyed this article on how to find the best coupon sites.
Just like online stores have changed how we shop, coupon websites have also made saving money different. We don’t need to cut out paper coupons anymore (but, you definitely can if you want to as there are printable coupon sites listed above as well!).
Now, we can find lots of online coupons and digital discounts with just a few clicks.
The best coupon sites give us different ways to save money, like getting cash back or using promo codes. They have options for almost every kind of shopper.
Do you use any of these top free coupon sites? Why or why not?
If you’re contemplating joining a gym, the cost of membership will likely play a huge role in your decision. To make sure you spend your money wisely, pay close attention to the gym’s offerings and think carefully about whether you even need a membership to accomplish your fitness goals.
Here’s what to know before signing up for a gym, plus ways you might be able to save on membership.
How much does a gym membership cost?
Gym memberships cost between $10 and $100 a month generally, with even some well-known names on the lower end of that range. But rates can get much higher, especially at luxury fitness clubs.
Determining the true price you’ll pay for a membership can be tricky because many gyms obscure the details. For example, some clubs require a year’s commitment with payment upfront or will tack on a sizable fee.
Here are some of the baseline membership costs we’ve seen advertised at popular gym chains:
Planet Fitness: Starts at $10 per month plus taxes and fees.
24 Hour Fitness: Starts at about $10 a month plus tax.
Crunch Fitness: Starts at $9.95 per month.
Gold’s Gym: Starts at about $30 a month.
Costs can vary greatly depending on factors like the gym’s location, membership tiers and whether you choose to pay monthly or annually. Read the fine print on a gym’s website or ask a membership representative to disclose full pricing details.
What to consider before joining a gym
The price tag is important, but it’s just one of many possible things worth basing your decision on. Here’s what else to take into account as you shop around for a gym.
Your budget
A gym’s membership cost should be considered in context. Add up the other monthly expenses you’ll need to manage, such as groceries and utility bills, to see how much room you have in your budget. This can help you learn whether you’ll have enough money for a basic or top-tier membership, or if you should hold off on signing up for the time being.
If a membership isn’t in the budget right now, consider setting money aside in a separate savings account every month until you reach your target.
The gym’s location
Convenience is key. You’ll probably feel more motivated to visit a gym that’s close to your home, work or school than one in a distant neighborhood. Explore the options in areas you already frequent.
Think about whether a chain or a standalone gym makes more sense for you. Some gyms restrict membership to one specific spot while others allow you to use it at other locations in the network. You might pursue a flexible membership if you’d like access to your gym when traveling or the option to work out at sites near both home and work, for example.
The quality of the gym
Evaluate the facilities. Does the gym have the right type of equipment for the workouts you plan to do? Is there enough equipment to accommodate a rush of gym-goers during peak hours? Are the facilities clean and well-maintained or do they seem rundown?
Pay attention to what else the gym has to offer. Maybe it serves as a larger fitness center with classes and a tennis court. Ask yourself if amenities like a sauna, swimming pool and child care services are must-haves, nice-to-haves or unnecessary.
The gym’s hours
Unless you have a flexible schedule, a gym’s operating hours are going to be a crucial part of your decision. If you can only manage late nights or early mornings, you’ll need a fitness club that’s open at those times. It’s also wise to find out whether the full range of services is available during all hours.
Alternative ways to exercise
Think about if it’s even necessary to join a gym at all. There are many free or low-cost ways to work out, such as jump roping or following along with Pilates videos on YouTube.
If you plan to use only the treadmill at the gym, you could save money by going for a daily run instead. Purchasing your own equipment often costs less over the long term too.
Alternatives won’t always make sense, though. For example, you may not have space for barbells or a stationary bike in your home. Creating a home gym can also be expensive upfront.
Your motivation
How likely are you to go to the gym if you join? Think about your reasons for wanting a membership, plus how difficult it will be to physically get yourself to the gym.
If you have a demanding job or home life, maybe you won’t realistically spend enough time at the gym to make getting a membership worth it.
On the other hand, having a dedicated place to work out surrounded by other people exercising could be exactly the motivation you need.
Trial periods
Many gyms offer free trial periods or one-day passes. Testing out a facility can help you figure out if it’s a good fit before you make a financial commitment. Take advantage of free trials or guest passes at the gyms you’re interested in, if available.
Questions to ask before signing up for a gym membership
You’ve read through the list above and decided that you do in fact want to join a gym. Make sure you fully understand what you’re signing up for first. Getting answers to these questions is a good starting point:
How much would I have to pay upfront to join the gym?
How much does a membership cost on a per-month or per-year basis, including taxes and fees?
What services and amenities are included in the membership? Personal trainers could be one example.
Am I required to sign a contract?
How can I cancel the membership?
How to save money on a gym membership
Before you enroll, look for ways to get a good deal.
Get a referral
Have a friend or relative who’s affiliated with the gym you’re eyeing? Ask them if there’s a referral offer. You could get a deal such as a lower fee, gift card or free week’s worth of membership. The person referring you might receive similar benefits as a bonus.
Piggyback on someone else’s membership
Certain gym memberships include guest privileges, and some plans are designed for family and friends to share. See if you can tag along for free or split the cost with someone.
Use employee benefits
Many companies offer a gym stipend or corporate discount. If you’re employed, ask about any fitness perks that might be available to you. If your company doesn’t provide a discount directly, it may offer a health insurance plan that covers some fitness costs.
Look for offers
Some gyms lower membership costs at certain times of the year, such as Black Friday or New Year’s. Past promotions we’ve seen include waived enrollment fees and two years for the price of one.
Another potential source of savings: your credit card. The right rewards card can help you earn points or get cash back on your membership purchase. Check out some of the best credit cards with fitness perks or see if you can get an offer through your current card.
Ask about special discounts
Some gyms offer reduced membership rates to certain groups such as students, older people or military members. Ask around to find out if you qualify for any discounts.
Are you looking for the best sites to scan receipts to make extra money? In our busy world, who wouldn’t want to earn some extra money without working hard? One way to do this is by taking pictures of your everyday shopping receipts. There are apps for your phone that can turn your regular shopping…
Are you looking for the best sites to scan receipts to make extra money?
In our busy world, who wouldn’t want to earn some extra money without working hard? One way to do this is by taking pictures of your everyday shopping receipts. There are apps for your phone that can turn your regular shopping (whether you’re shopping for groceries, clothes, gas, or other stuff) into cash and gift cards.
Plus, the process of scanning receipts for money is extremely simple.
I have personally been using receipt scanning apps for years now – I love how easy they are to use and how you can earn points or cash while barely spending any time. Plus, I already have the receipts – so it’s nice to make some extra money by doing almost nothing.
Key Takeaways on the best receipt scanning apps
Scanning receipts can earn you cash back and free gift cards.
My favorite receipt scanning and cash back sites include Fetch Rewards, Ibotta, and Rakuten.
Receipt scanning apps pay people to scan receipts for a few different reasons such as: 1) Because brands and stores give the apps money for gathering information about what people buy from their receipts. Then, the apps give a part of this money back to users as rewards. 2) To reward people for shopping through their referral links.
14 Best Apps To Scan Receipts For Money
Below, you’ll find a list of the best apps to scan your receipts and earn money. I am personally signed up for many of the apps and sites listed below, and they are so easy to use!
1. Fetch Rewards
Fetch Rewards is an easy-to-use app that rewards you for scanning your shopping receipts, such as at grocery stores and even gas stations. Just shop as usual, and after your purchase, take a picture of the receipt in the Fetch Rewards app.
You’ll earn points for every receipt you take a picture of, which you can later redeem for free gift cards (such as to places like Target, Visa, and Amazon) and other rewards.
You can sign up for Fetch Rewards here.
I really like this app because it’s super easy to use. I’ve been using it for a while, and it makes getting rewards from your regular shopping easy.
You can also read my review at My Real Fetch Rewards Review.
2. Ibotta
Ibotta is one of the most popular receipt-scanning apps. You select the items you want to buy, go to the store, then scan your receipt.
You can redeem rebates while shopping from stores such as Walmart, Target, Kroger, Publix, Walgreens, CVS, City Market, and more.
You can sign up for Ibotta here.
Also, in case you’re wondering how Ibotta and Fetch differ: Fetch Rewards and Ibotta are very similar. All of the receipt-scanning apps are fairly similar too, but they do have some differences.
For example, Fetch Rewards is easier to use than Ibotta. With Fetch Rewards, you just take a picture of your receipt using the app, and that’s it. Ibotta, on the other hand, is more like using digital coupons and takes a few more minutes. Basically, you go through the Ibotta app and see if there are “coupons” that you want to shop with for a specific item like cereal or bread. However, even though there’s a little more work, you can usually earn more rewards with Ibotta. So, it depends on what works best for you!
The great part is that you can use the exact same grocery receipt for both Fetch and Ibotta.
For me, I go shopping and scan my receipts with both apps. It only takes me probably less than a minute to do so, and I can earn more points for free gift cards this way.
3. KashKick
KashKick is a site where you can get rewards for doing things like shopping, answering questions, and playing games online. You can then turn these rewards into real money through PayPal.
Simply head to KashKick and go to their Offers tab. There, you can see if you can unlock any offers where you can scan a receipt for points.
Please click here to sign up for KashKick.
4. Swagbucks
Swagbucks is not only a receipt-scanning app but also a site to make money by taking surveys, watching videos, and more.
You simply go to the Swagbucks website and go to the “Magic Receipts” tab. You can then scan any receipt from any store (grocery stores, warehouse club stores, drugstores, home improvement stores, clothing stores, restaurants, and more) and earn points.
Swagbucks is a company that I started using years ago, and it has helped me easily earn some extra cash on the side, all from home or while traveling. I exchange my points for Amazon gift cards and have earned over 100 free gifts over the years.
Please click here to join Swagbucks.
5. Rakuten
Rakuten is the best cash back app that rewards you for your online purchases. So, it’s technically not a receipt-scanning app, but you do get cash back for shopping just like how you normally would.
All you have to do is choose a store you want to shop from (they have a wide range like Kohl’s, REI, Toys “R” Us, and many more) and shop just like you normally would online. It’s that simple!
Rakuten earns a commission for sending you to the store you shopped at, and they share some of that money back with you as a reward. It’s a win-win!
Please click here to sign up for Rakuten. You can also get a $40 bonus for spending $40 through my link.
6. Upromise
Upromise is a site that helps you save money for college by scanning your receipts.
When you shop at partner stores and upload the receipts, a percentage of your purchase amount is added to a college savings account or used to pay off student loans.
With Upromise Grocery Rewards, you simply add deals to your Upromise Grocery Rewards shopping list and click the “Add To List” button. Then, you shop at the store (either in-person or in-store), and take a picture of your receipt when done. You can either snap and upload your receipt or email it to Upromise directly.
Please click here to learn more about Upromise.
7. Receipt Hog
Receipt Hog is a fun and easy-to-use app that rewards you for scanning your shopping receipts. All you have to do is take a picture of your receipt using the app, and you’ll earn rewards.
You can shop at any store (grocery store, convenience store, and more) and either in-person or online. You can then upload your paper or digital receipt onto the Receipt Hog app for coins, slot spins, or sweepstakes entries.
You can even link your Amazon account or other loyalty accounts like Walmart, Target, and Costco to earn rewards automatically without having to upload receipts.
8. Checkout 51
Checkout 51 is another site where you can get cash back on your groceries and fuel purchases.
You simply download the free app on the App Store or Google Play Store. Then, look at the app to see what deals are available and make a shopping list – it’s kind of like using a digital coupon.
Click on “Redeem” and mark the items you bought on your receipt. Once you’ve done that, use the app’s camera to take clear, readable pictures of your receipt.
Once your receipt gets approved, they’ll add cash back to your account. You can cash out when you reach $20.
9. Tada
Tada is an app that gives you cash back on everyday purchases such as groceries, clothing, and dining out.
Using Tada is easy and you just shop at the stores that are part of the program. After you make a purchase, scan your receipt and you’ll earn cash back on the items that qualify. You can then exchange this for gift cards (such as to Home Depot, Target, Best Buy, Amazon, and Visa).
10. MyPoints
MyPoints is an app that not only lets you scan receipts for rewards, but you can also make money answering surveys, watching videos, and shopping online. With MyPoints, you can earn points by scanning your receipts, and then redeem them for gift cards or cash.
To get started with MyPoints, just go to their website and the “Magic Receipts” section. You can snap a picture of any receipt from stores like grocery stores, warehouse clubs, drugstores, clothing stores, restaurants, and more.
Please click here to sign up for MyPoints.
11. InboxDollars
InboxDollars is an app that allows you to earn cash by scanning receipts as well as taking surveys and doing other tasks.
To begin using InboxDollars, go to their website and find the “Magic Receipts” section. Then, take a picture of a receipt from stores like grocery stores, warehouse clubs, drugstores, clothing stores, restaurants, and others. Every receipt earns you points, which you can later convert into cash or gift cards.
You get a minimum of $0.01 for any receipt you scan, plus whatever deals you qualify for. For example, I just logged in and some of the deals available to me include $0.50 cash back on eggs (from any store and any brand), $4.00 back on deli meat, $5.00 back on whole milk yogurt, $8.00 back on chicken nuggets, and more.
Please click here to sign up for InboxDollars.
12. ReceiptPal
ReceiptPal is an app that rewards you for uploading your shopping receipts.
With ReceiptPal, you can take pictures of your paper receipts or link your email or Amazon account. This way, you’ll earn points for every receipt you submit.
You can exchange your points for gift cards from popular retailers, and you’ll also be entered into their weekly sweepstakes for a chance to win cash prizes.
13. Shopkick
Shopkick is an app that rewards you not only for scanning your receipts but also for simply walking into participating stores and scanning barcodes.
You earn points called “kicks” that can be redeemed for gift cards to TJ Maxx, Sephora, Walmart, Starbucks, and more.
Please click here to learn more about Shopkick.
14. Dosh
Dosh is a fast and easy-to-use app that automatically gives you cash back when you shop at participating stores (such as Disney, Costco, Lyft, AT&T, and over 10,000 other companies).
Simply link your debit or credit card to the app (or even your Venmo or bank account), and the rest is taken care of. When you shop and pay using your linked card, you’ll receive cash back directly into your Dosh account, which can be transferred to your bank or PayPal account.
Please click here to learn more about Dosh.
How Scanning Receipts For Money Works
Many of the receipt-scanning apps mentioned above work the same way:
To begin, just download an app like Fetch or Ibotta. Many of the sites above work whether you have an iPhone, Android, or even just from your computer.
After you finish shopping, open the app and look for the option to upload or scan your receipt. Use your phone’s camera to take a clear picture of the receipt. Typically, the receipt scanner will want to see what you purchased, the store you went shopping at, the order total, as well as the date.
Once you snap a picture of the receipt, the app will usually check and process the receipt. With certain apps like Ibotta, you might need to choose specific items you bought before scanning the receipt. On the other hand, apps like Fetch will automatically scan for eligible products. They each have their own way of doing it!
Your receipt is usually automatically processed, and you will see how many points you have earned within just seconds.
Your points can be turned into PayPal cash, gift cards, and more.
For me, I simply scan every grocery receipt right after I shop. It’s easy to do and only takes me a few moments.
How To Increase Your Earnings From Receipt Scanning
Here are some easy tips to make even more extra money when using receipt-scanning apps and rewards sites:
Use multiple receipt scanning apps – To increase your earnings, you can use more than one receipt-scanning app. This way, you can redeem different deals, cash back, and rewards points that each site gives you.
Download browser extensions – Some apps, like Capital One Shopping, can be downloaded straight to your computer and it will automatically scan for available coupons.
Use store loyalty cards – Most grocery stores have free store loyalty cards. Make sure you are using those to get the lowest prices while shopping, plus you can earn points.
Use cash back credit cards – If you are a careful credit card user and know that you won’t go into debt, credit card rewards can be an easy way to earn more free cash.
Frequently Asked Questions About Scanning Receipts For Money
Here are answers to common questions about scanning receipts for extra money.
How do these receipt scanning apps make money to pay users? Why do receipt scanning sites pay people to scan receipts?
Okay, so after reading the above – this may be your top question. Why would they pay you money? What’s in it for them? Are receipt-scanning apps a scam?
Apps that scan receipts make money by working with brands and stores. These brands and stores give the apps money for gathering important information about what people buy from their receipts (they want to learn more about your shopping behavior – such as what you buy and when). Then, the apps give a part of this money back to users as rewards for using their app.
Are receipt scanning apps safe to use?
Yes, many receipt-scanning apps are safe. They protect your personal information by encrypting it and following strict data protection rules. However, I recommend reading the app’s privacy policy and user reviews (such as on TrustPilot).
Can you make money by scanning receipts?
Yes, you can make money by scanning receipts. You can scan receipts for cash back, gift cards, or points that can be redeemed for rewards. Now, of course, this will not be a full-time income. You can simply earn some spare cash and free gift cards.
What types of rewards can I earn by scanning receipts?
When you scan receipts using these apps, you can earn rewards such as cash back, Amazon gift cards (and many other places), or even make donations to charity.
Is it illegal to scan other people’s receipts for Fetch?
Scanning other people’s receipts for Fetch, or any other receipt-scanning app, is almost always against the app’s terms of service and may result in your account being closed, so you should only use your own receipts.
Can I use more than one receipt scanning app per receipt?
Yes, you can usually use multiple receipt-scanning apps to maximize your rewards. However, make sure to read each app’s terms of service to make sure you’re not violating any rules or participating in actions that could result in account termination. Personally, I use multiple apps all the time for the same receipt, such as Fetch Rewards and Ibotta.
How To Scan Receipts for Money – Summary
I hope you enjoyed this article on how to scan receipts for money.
By using the apps and sites above, you can earn money or rewards while shopping, and it’s a simple way to get something extra from your everyday spending!
So, what is the best app to scan receipts and get money back?
My favorite receipt scanning app is Fetch Rewards. I’ve been using it for years! I also like to scan the same receipts with the Ibotta app. And, if I’m shopping online, then my favorite is Rakuten.
But, there are many great apps and sites listed above – find the best one for you and your own personal situation.
Do you scan receipts for money? What’s your favorite receipt scanning app?
Neon Money Club Cream American Express® Card is a new fintech card that is launching soon. Details of the card are as follows:
Card earns 1.5% cash back on all purchases, this is doubled to 3% if rewards into stocks
Annual fee of $128
No sign up bonus
There are no details regarding investing into stocks works. The annual fee will kill the deal for most people anyway and I suspect that shutdowns will occur for those pushing a huge amount of volume anyway.
The Express credit card, issued by Comenity Bank, is expressly mediocre.
It can help you pay for a new wardrobe at the clothing retailer, but its usefulness is limited beyond that, especially given its high interest rate and narrow redemption options.
There’s no annual fee, and the card earns an eye-catching 20 to 25 points per $1 spent. But those figures aren’t as rewarding as they sound, and the card’s drawbacks easily outweigh these benefits.
Here are five things to know about the Express credit card.
1. It can be used only at Express
The Express credit card is a “closed-loop” product, meaning it can be used only to make purchases at Express, Express.com or Express Factory Outlets. For a more versatile card that you can use (and earn rewards with) anywhere, check out our list of best cash-back credit cards.
2. The interest rate is dizzying
The interest rate, or purchase APR, on the Express credit card topped 32% as of December 2023. That’s almost 10 percentage points higher than the average interest rate on all interest-accruing credit cards in August 2023, per the Federal Reserve.
An APR that high will make carrying a balance from month to month an expensive proposition. If possible, pay off the balance in full, or you could end up owing far above the sticker price for those new clothes.
If you need to finance an expensive wardrobe over time, consider a credit card with a 0% intro APR offer. The Wells Fargo Reflect® Card, for example, offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR.
3. The welcome offer is meager
If you’re approved for the Express credit card, you’ll get a 20% discount off the first Express purchase charged to the card. However, the discount must be used on the same day you apply and are approved for the card. This welcome offer may seem enticing when you’re at the cash register, moments away from taking home your Express haul, but it pales in comparison to bonuses on other credit cards, which can be worth a few hundred dollars.
For example, the $0-annual-fee Blue Cash Everyday® Card from American Express has this welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. It also earns, among other things, 3% cash back on U.S. online retail purchases up to $6,000 spent per year, then 1%. Terms apply; see rates and fees.
This card would be a superior pick to the Express credit card if you have the credit score to qualify and are willing to shop online.
4. Cardholders get perks within the Express loyalty program
Express’ loyalty program, Express Insider, has three tiers: Insider, Influencer and A-List. If you have the Express credit card, you’re automatically enrolled in the program and elevated to the Influencer level.
Influencers get 20 points for every dollar spent at Express and Express Factory Outlets, a $20 birthday gift, and free U.S. standard shipping and returns.
To make it to A-List status, you’ll need to earn 10,000 points, the equivalent of spending $500. A-Listers also get free shipping and returns, but they earn 25 points per $1 spent and get a $40 birthday gift.
Unredeemed points expire after 12 months from the date they were earned.
5. Reward redemption is automatic, but point values are poor
Redeeming rewards earned with the Express credit card is effortless, but that’s because there’s only one option: Points earned with the Express card are redeemable for Express Cash certificates, which can be used toward future Express purchases.
Cardholders will automatically receive $5 in Express Cash once they accumulate 1,250 points, sent to their Insider account. That means that 1 point is worth a measly 0.04 cent, far less than the standard 1 cent per point.
Express Cash certificates are valid for a minimum of 60 days after their issue date, but even still, “banking” them up for a big purchase might be difficult if you don’t visit the retailer that often.
When the Canada-based BMO bank acquired Bank of the West, headquartered in the U.S., in 2021, American consumers gained access to BMO’s credit card portfolio, which includes personal and business cards.
As of this writing, BMO offers two cash-back cards, a travel card, a 0% APR/balance transfer card and a secured card. However, a BMO representative confirmed that the card offerings and current card benefits may change in early 2024.
Here’s what you need to know about these cards before deciding whether to apply for one.
🤓Nerdy Tip
While BMO offers business credit cards, this article covers only its personal credit card offerings.
For a break on interest: BMO Platinum Credit Card
If you need an extra-long reprieve from interest, your best option among the BMO cards is the Platinum Credit Card. For a $0 annual fee, cardholders get 0% APR on purchases and balance transfers for 15 months (as of this writing). There are two important caveats to these offers, though: You may lose the 0% APR benefit if you make a late payment, and the balance transfer must be completed within 90 days of account opening in order to get the 0% APR offer.
The balance transfer fee for all of BMO’s personal credit cards is $10 or 4% of the amount of the balance transfer, whichever amount is greater. BMO only allows balance transfers of credit card debt. And as is standard with most issuers, it doesn’t permit transfers between BMO accounts.
As balance transfer offers go, this is a decent one, but it’s possible to find credit cards with longer interest-free promotions. The Wells Fargo Reflect® Card, for instance, offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR .
🤓Nerdy Tip
All of BMO’s publicly available personal credit cards offer cell phone protection plans. Cardholders are eligible for up to $400 in coverage except for Premium Rewards cardholders, who get up to $600 worth of coverage. To qualify for cell phone insurance, you must pay your cell phone bill with a qualifying BMO credit card. A $50 deductible is required for each claim.
For building credit: BMO Boost Secured Credit Card
BMO’s lone secured card requires a $25 annual fee and a minimum $300 security deposit. Those numbers are on the higher end compared with other secured cards. The Discover it® Secured Credit Card, for example, has a $0 annual fee and a $200 minimum security deposit — and it earns rewards, which the Boost Secured card does not.
However, the Boost Secured does offer two benefits rarely found in other cards for people with bad or limited credit: cell phone insurance and rental car insurance.
For travelers: BMO Premium Rewards Credit Card
The only travel card in BMO’s credit card portfolio, the Premium Rewards card, offers some solid perks for a $79 annual fee, which is waived the first year. Some highlights:
15% bonus points on your account anniversary (15% of total purchases made in the previous year).
A sign-up bonus of 35,000 bonus points when you spend $5,000 within 3 months of opening your account (as of this writing).
Access to over 850 airport VIP lounges worldwide with Priority Pass Select, plus two complimentary visits to participating lounges.
No foreign transaction fees.
Lost or damaged luggage insurance.
By comparison, the venerable Chase Sapphire Preferred® Card awards a 10% points bonus on each account anniversary and doesn’t come with lounge access, and its annual fee is slightly higher than the Premium Rewards card. However, unlike the BMO Premium Rewards card, the Chase Sapphire Preferred® Card features travel partners to which you can transfer your points, often for outsize value.
The Premium Rewards card also earns the following rewards in BMO’s proprietary currency, Flex Rewards:
3 Flex Rewards points per $1 spent on eligible dining, hotels and airfare (on up to $2,500 in combined spending each quarter), and 1x on all purchases after that.
1 Flex Rewards point per $1 spent on all other eligible purchases.
Flex Rewards points may be redeemed for flights, hotels, merchandise, gift cards and statement credits, among other options. Point values vary depending on the redemption; cardholders can check the redemption value at www.bmoflexrewards.com.
Flex Rewards points don’t expire, assuming your account remains in good standing with BMO.
For cash back: BMO Cash Back Credit Card and the BMO Platinum Rewards Credit Card
Two BMO cards would be good picks as cash-back cards. One earns direct cash back as a percentage of each purchase; the other earns BMO’s proprietary currency, Flex Rewards, which can be redeemed for cash back in the form of statement credit.
BMO Cash Back Credit Card
For straightforward cash-back rewards, the aptly named BMO Cash Back Credit Card is probably the better choice. It has the higher rewards rates, and the rewards categories represent a range of everyday spending. The $0-annual-fee Cash Back card earns:
5% cash back on eligible streaming, cable TV and satellite services.
3% cash back on eligible gas and grocery purchases, up to $2,500 in combined quarterly spending (1% after that).
1% cash back on all other eligible purchases.
The only redemption option is a statement credit. Rewards never expire as long as the account is open and in good standing.
As of this writing, the card also comes with the following sign-up bonus: Get a $200 cash-back bonus when you spend $2,000 within 3 months of opening your account.
BMO Platinum Rewards Credit Card
The Platinum Rewards card, like its Cash Back sibling, earns rewards on gas and groceries, but the rewards rates on the Platinum Rewards card are a hair lower. It earns:
2 Flex Rewards points per $1 spent on eligible gas and groceries, up to $2,500 in combined spending each calendar quarter (1x on all purchases after that).
1 Flex Rewards point per $1 spent on all other eligible purchases.
Redemption options for the Platinum Rewards card are the same as the Premium Rewards card because both cards earn Flex Rewards.
In favor of the Platinum Rewards card, its annual fee is also $0, and it has a good welcome offer: Get 25,000 bonus points when you spend $2,000 within 3 months of opening your account. It also gives cardholders a points bonus every account anniversary equal to 10% of the total points earned in the past year. The Cash Back card doesn’t award an annual bonus.
These are both decent options for cash back. But if you’d prefer a simple, high flat rate back on everything, without the need to keep track of bonus categories, you could consider a product like the Citi Double Cash® Card. It earns 2% cash back on every purchase: 1% back when you buy, 1% back when you pay it back.
The card has a $0 annual fee, and it also offers a 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR.
Who doesn’t want to be rewarded?
Create a NerdWallet account for personalized recommendations, and find the card that rewards you the most for your spending.