Cash Back Deals

There are so many cash back sites that it can make you dizzy just to decide which one to use when making a purchase. Not only that but an item can be a little more expensive at one store but if that store earns you a higher percentage of cash back then it may actually be better to spend your money there.

In this post I am going to list my favorite cash back places with some basic information. They also have complicated terms and conditions so please check that to gather more details.

Ebates.com

• Sign up is super easy. All you need is an e-mail and password.
  
• You can start earning 1%-20% cash back right away.
• They pay out 4 times a year and all you need is the balance of $5.01 to get your money back.
• You can receive a check, paypal or you can send your cash back money to someone else.
• They have coupons and rebate information as well.
• They have hundreds of stores where you can earn cash back.

Upromise.com

• It helps you save for your or your relatives college education. (On a side note, that's the reason to started this blog is to help me finally pay off my student loans.)
  
• It has hundreds of stores.
• You need to register your credits cards in order to earn money.
• They will transfer your money into your college savings account quarterly. You need a minimum of $25 for the money to be transferred.
• You can earn up to 25% per transaction.
  
• Besides clicking through their site you may also earn money by using your registered credit cards at participating restaurants.
  
• Guests can also earn you money.
• They have information about coupons and deals.
• To maximize earnings, you can also get a Upromise credit card and earn cash back on every single purchase.
  
• Friends and family may link to your account therefore earning you even more for college.
• By installing the Upromise.com toolbar, you don't have to remember to click through their sites.
  

Swagbucks.com

• You earn swagbucks by purchasing through their site which then can be converted into miscellanious items and gift certificates.
  
• Besides shopping there are other ways to earn swagbucks. Please see my swagbucks post for more details.

Your Credit Card

Chances are your credit card already offers rewards for you to use your card for everything. Just sign into your account and find out the details. In some cases they want you to sign up separately for their rewards programs, in our cases it's already set up for you. I'm going to list 3 of my favorite credit card deals here.

1. Discover Card. Offers 1%-5% cash back + other rewards for using their site to shop. In addition to that if you select to redeem your rewards with their partner's gift cards you can get more for your rewards. E.g. $45 JCPenney gift card for only $40 worth of rewards. And here is a green twist for you: Discover now offers a biogradable card!
   
2. Amazon.com Rewards Visa® Card from Chase. Offers 1-3 points for every dollar you spend with it. Point may be redeemed for Amazon.com certificates, cash or even airline miles. You start out with $30 reward within 30 days of your first purchase!
3. Upromise Credit Card. All purchases earn 1%-10% going towards your or your family's college education.

You may also get double rewards if you use your credit card offering cash back and if you click through your cash back site to the store. E.g. if I use my discover credit card to pay for my purchase on Walgreens.com going through Ebates.com I will earn 3% from Ebates.com and 1% from Discover card.

Green factor: biogradable Discover card. Swagbucks' green factor was discussed on a separate blog.

Deal factor: cash back for your purchases.