There was a time when I didn’t want to shop online because I was wary about using my credit card on the internet for ~security~ reasons. Fast forward about 10 years and I basically place Amazon orders in my sleep and have all my credit card information saved in my browser.
If you, like me, have been doing a little too much online shopping during the quarantine, you might as well be earning cashback on it. I know that earning discounts by shopping online might sound too good to be true, but trust me. I spend money like I’m in an entirely different tax bracket, so I have to at least be smart about my shopping habits in some aspects, LOL.
Honey is a free browser extension that scours the web to find every working promo code on the internet for you to use upon checkout. If you’ve ever paused checking out to Google “X promo code,” you need this. It works at over 28,000 different online retailers, including Target, Amazon, Sephora and more—including restaurants. I can’t tell you how many times I’ve been checking out and saved a couple bucks because Honey found a coupon code I didn’t know existed. The other day, Honey found me a magical code that saved me TWENTY DOLLARS on a necklace at BaubleBar. That is impressive.
Also, I just learned this right now while writing this blog—you accumulate Honey Points that you cash in for gift cards to your favorite retailers. I apparently have 1,100 Honey Points which means I can get a gift card to any of my favorite places which are, of course, Sephora, Target and Amazon.
Honey works on Chrome, Firefox, Safari and Opera. To download, go to their website and follow the directions. According to Honey, the average user saves $126 dollars annually, while the average savings is 17.29%.
One of my favorite things about Honey is the “Save to Droplist” feature. It allows you to keep track of the items that you’re shopping for and will alert you if that product goes on sale within the next 60 days.
There are numerous ways to use Rakuten, but I think it’s the easiest to use the browser extension so that you’re automatically notified if the store you’re shopping at is one of the site’s participating retailers. I’ve been a member of Rakuten (formally known as eBates) since 2017.
For instance, right now during Sephora’s Spring Sale, you can save anywhere from 10-20% (based on whether you’re a Rouge, VIB or Beauty Insider) AND get an additional 2% back from Rakuten. If you don’t use it, you’re literally throwing money away.
In addition to giving you cashback on the purchases you were going to make anyway, Rakuten compares prices and will tell you if the item that you’re looking at is available somewhere else for less money. For instance, I was looking at this cat groomer on Amazon and I got a little popup letting me know that I could save 10 cents if I purchased the same item from Petco. Obviously, in this case, 10 cents is a negligible difference. However, when making larger purchases, this comes in really useful.
Another one of my favorite cashback hacks is using my MSUFCU Platinum Plus credit card. The first credit card that I ever got was from a credit union in Jackson and didn’t offer cashback, just rewards in the form of random items (it’s how I got my first vacuum, actually LOL) and gift cards—which, admittedly, is kind of fun doesn’t hold the same appeal as cash back.
I earn 3% cashback on all the purchases I make using my MSUFCU credit card and I love when I log in to my MSUFCU app every month and see the amount that I’m getting back. It’s like being rewarded for shopping (and paying bills, buying groceries, yadda, yadda, yadda).
I know there are likely other credit cards that offer more cashback/other perks but I have had such a wonderful experience with MSUFCU and, to be honest, I prefer to keep my money (the little bit I do have) in a local institution, especially one that gives back to the community the way that MSUFCU does.
This doesn’t actually save you money but it helps you keep track of when all your online orders are arriving. It is amazing and I wish that I had known about this sooner. It’s a free app available on both iOS and Google Play that gives you accurate and timely updates on everything you order, across all online retailers. You literally get step-by-step notifications from checkout to delivery.
For example, if I’m shopping the Sephora sale right now, I’m getting 20% off at Sephora, 2% cashback with Rakuten, 3% back from MSUFCU and 1-4% with Honey, meaning I’m getting somewhere between 26 and 29% cash back. Insane!