Are You Neglecting This Credit Card Cash Back Opportunity?

Controversial opinion: credit cards are great! Well, more accurately, rewards credit cards are great when used properly and responsibly. In fact, my wife and I have saved literally hundreds of dollars just by paying attention to what cards we’re using to pay for certain goods and then paying down our entire balance each month. That may sound simple enough, but there’s actually another money-saving step that many cardholders miss.

Beyond the basic points or cash back percentages your rewards credit card offer, many also curate special bonus deals you can take advantage of. For example, with my Discover It card, the Discover Deals section includes both bonus cash back offers and coupons for cardholders. Similarly, my wife’s Visa Signature card has a Rewards Center with several cash back perks at various restaurants and retailers. If you’re not regularly searching these sections, you could be spending more than you have up.

To ensure maximum savings, before my wife or I make any purchase, we go through a mental checklist. First we determine which card is best for the task. Keep in mind this can change from time to time, especially if one or more of your cards have rotating bonus categories (for example, the 2% we get back on food with the Visa is best but, until October, I actually get 5% back on dining with my Discover). After that, we consider what retailers we might shop at, check what offers are available, and activate any (this is an important step!) that seem applicable. The rest is easy as all we have to do is use our selected card and watch the money roll in.

Unfortunately there will be times when these credit card offers can be trumped by other coupons of other cards you have. That said, in other cash back cases, you may even be able to stack discounts (just read the fine print to know for sure). For that reason and many more, it’s always worth checking what’s out there — you may be surprised by the number of offers your card has on hand. So don’t neglect these bonus perks and start maximizing your savings today.

Author
Founder ~ Moneyat30
Kyle is a freelance writer - including being the head writer for Fioney.com. He also serves as editorial director for the Disney fan site LaughingPlace.com and the founder of Money@30.com. In 2015, Kyle and his wife Bekah moved from Los Angeles to Springfield MO in pursuit of greater financial freedom. Together, the pair enjoy travel, coffee, and spending time with their dog Rigby. Additionally, as of 2023, they become first-time homeowners.
Other Articles by Kyle Burbank
email tiles on a keyboard
Why I Love Using the Ultimate Burner Email Addresses
In my line of work (yes, I just referred to blogging as a "line of work"), there are times when I want to get more info on a product or service but doing so requires me to enter an email address. However, knowing how annoying these companies can be once I've provided them with this...
woman holding an Anker MagGo UFO 3-in-1 Charger
Travel Tuesday: Anker MagGo UFO 3-in-1 Charger Review - Travel With Fewer Cables
To me, one of the most annoying parts of traveling in 2025 is ensuring that I pack chargers for all of the various devices I plan on bringing with me. That's why, in the past, I've been a fan of Rolling Square's InCharge multi-purpose cables that have built-in adapters. But, even then, I still find...
Bilt Mastercard
Bilt is Surveying Cardholders — The Glimpse Inside is Fascinating
At the end of last year, Bilt sent a letter to customers teasing some of their visions for the future of the program and the Bilt Mastercard. Then, earlier this week, they announced that cardholders would soon be receiving a survey on the topic. Now that said survey has arrived, it's revealing some intriguing insight...

Leave a Reply

Featured Articles
Why I Love Using the Ultimate Burner Email Addresses
In my line of work (yes, I just referred to blogging as a "line of work"), there are times when I want to get more info on a product or service but doing so requires me to enter an email address. However, knowing how annoying these companies can be once I've provided them with this...
Travel Tuesday: Anker MagGo UFO 3-in-1 Charger Review - Travel With Fewer Cables
To me, one of the most annoying parts of traveling in 2025 is ensuring that I pack chargers for all of the various devices I plan on bringing with me. That's why, in the past, I've been a fan of Rolling Square's InCharge multi-purpose cables that have built-in adapters. But, even then, I still find...
Bilt is Surveying Cardholders — The Glimpse Inside is Fascinating
At the end of last year, Bilt sent a letter to customers teasing some of their visions for the future of the program and the Bilt Mastercard. Then, earlier this week, they announced that cardholders would soon be receiving a survey on the topic. Now that said survey has arrived, it's revealing some intriguing insight...
Welp. I Got Another Credit Card — Why I'm Excited About Mesa
I love writing about credit cards and, in turn, I also love having solid rewards cards... up to a point, that is. Unlike some other bloggers I follow who regularly apply for and churn rewards cards, I've tried to be more selective and thoughtful about what cards I ultimately add to my wallet. But every...