If you are looking for a way to save money while shopping, consider the advantages of cashback programs. These allow you to make purchases online for merchandise, take out a mortgage on your home or use a credit card and will then reward you for doing so.



Online shopping sites often have memberships that will keep track of your spending and award you cash back based on a percentage of purchases. Popular well established websites that offer a variety of products are rewarding their loyal customers with this type of program. Be sure the club membership is free and watch for referral bonuses when your friends and family also sign up.



People purchasing a home and acquiring a mortgage should ask about cashback awards. Mortgage lenders may have a program which gives the homeowner a cash bonus based on the original amount of the loan. This is usually only valid upon the first application. Some lenders require the amount to be reapplied to the balance and others issue a check or cash transfer.



The major credit cards usually have at least one type of cashback card. These will award the cardholder with a small percentage (1 to 1.5%) of their annual purchases applied back to the balance once a year. A minimum level of spending must be met on most accounts before the bonus will be applicable. Some have stipulations about carrying a balance, so find out whether the award will be canceled under any circumstance.



Be sure to examine all of the fine print or FAQ pages before signing up for cashback programs. Also consider if the value of the award will be equal to or higher than any membership dues or additional interest or shipping costs that apply.



For a simple, efficient way to put more money in your pocket, enroll in cashback programs and collect rewards. Once you understand the conditions and have met the criteria, you will enjoy the cash benefits.

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