by PointsGuru | Apr 26, 2017 | Retail
Trim is a free service that offers automated statement credits to your Visa credit or debit card when you connect your card, activate cashback coupons via Facebook Messenger, and make qualifying purchases on your card at participating retailers or in select shopping categories. It not only monitors your credit cards but your bank accounts to help cut down on unnecessary bills or overpaying.
Save up to $40 in Bonus Statement Credits
You can earn $40 in bonus statement credits on your everyday purchases when you sign up for Trim. After linking your Visa card you get a grocery offer then after activating that offer in Facebook Messenger they send two more offers. Here are some example offers:
- Spend $5 or more at any U.S. grocery and get $1 back. Can be repeated up to ten times for a total savings of $10. Expires 7/3/17. Tip: You could charge this on a card that is paying a quarterly 5% cashback bonus to double up on the rewards. Chase Freedom Visa is paying a 5x Bonus on Grocery stores during this quarter.
- Spend $5 or more at any U.S. restaurant and get $1 back. Can be repeated up to ten times for a total savings of $10. Expires 7/3/17.
- $10 Back On $50+ Grocery Purchases
- Spend $20 or more at any U.S. movie theater and get $10 back. Expires 8/31/17.
How To Activate Trim Savings
1. Head over to Trim to Sign-Up!
2. Click “Savings” under the Menu in your Trim account and register your Visa credit card or Visa debit card with Trim Savings. Tip: We recommend using a credit card over debit cards for any purpose.
3. Once you register, Trim Savings will offer you cashback coupons via Facebook Messenger.
4. Activate the cash back coupons that you want to use via the “Activate” button on Facebook Messenger.
5. After you’ve Activated the offers, you simply use your Visa card to make qualifying purchases.
6. Once you’ve made a qualifying purchase, the statement credits will be automatically applied to your Visa card account.
Trim Remembers To Cancel “Free Trials” So You Don’t Get Charged
While some may love the bonus incentives to use Trim they offer some possibly really helpful services as well. Trim also helps you cancel unwanted Credit Card Subscriptions. If you are like me you sign up for tons of “free trial offers” such as Netflix and Hulu then lose track of all the subscription services that are registered with what promotion. Trim can easily find and cancel unwanted credit card subscriptions. Trim finds all the subscriptions on your credit card or debit card such as Amazon Prime or Google Play renewing then sends you a list of them in a text message and then cancels the ones you don’t want.
Save on Your Cable Bill
Trim is offering an exclusive Comcast cost-cutting service. Perhaps, this will keep you from cord-cutting if you save money with your cable bill. Trim will monitor your Comcast bill and use chat to get reductions. They basically negotiate your rate and you pay 25% of the first bill’s reductions so if they save you $10 per month then you’ll pay $2.50. That certainly beats calling into the cable service but we recommend you do that every 6 months or so anyway no matter what the hassle to get deeper discounted rates or promotions. We hope they expand to include Spectrum and other cable providers such as Cox Communications.
Statement Credits for Targeted Visa Transactions
Trim also offers a card link program as part of Visa Trial Link. When you link your Visa card with Trim, you’ll get targeted cash back offers in the form of a statement credit. This works with Visa cards only. Any account linked in Trim with the bank login should automatically be part of the card-link program (without inputting the card numbers) managed exclusively via Facebook messenger.
Should I Share My Login and Credit Card Information with Trim? Is it Safe?
The Login you give them is actually converted to a token where Trim only gets read-only access to your transaction data. They cannot move money or make any changes to your account. You can revoke their read-only access token at any time. They also use 256-bit SSL encryption for their website and all server-side databases using Amazon Web Services (AWS), a secure online data storage and hosting service that is used by the Department of Defense, NASA, and the Financial Industry Regulatory Authority (FINRA). They have stated that your data on our servers will never be accessed or used by any other party and they will not sell your data or use it in any way without your permission.
Conclusion
As a credit card and frugal nerd I am more than excited to give this service a go. I am not worried about sharing login information as I will be using a credit card that is not connected to a bank account. I will most likely use my Capital One Visa and Chase Freedom cards. My only worries are that this program will interfere with Rewards Network or Shell Fuel Rewards in which I get a big savings on my gas and that is much needed right now. I plan on testing this service out and seeing how it goes and writing more as I go along so make sure and bookmark this page or add us on Twitter and Facebook for updates.
by PointsGuru | Apr 22, 2017 | Retail
Sam’s Wholesale Club is a place I have shopped with my Dad since I was a kid. We would go there and pile up the cart full of a week’s worth of food and it was always exciting to me! My Dad uses his Sam’s Credit Card for all of his purchases. He swears by it as it gives him 2% cash back on his purchases but that card is no longer available and their current card offering is a 1% back card for purchases at Sam’s Club.
Normally Warehouse clubs do not earn your category 5% cash back or higher cash back. They are normally in the fine print to not earn anything and most clubs would not take all of the credit cards as they were exclusive. So warehouse clubs used to be where I would go to meet minimum spending requirements for a sign-up bonus and not really expect big cash back on a card but that has changed. This past year there has been a huge marketing ploy to get cardholders to switch over to Chase and Discover after the American Express shakeup at Costco. This is when Costco decided to partner with Citi Cards instead. Discover and Chase have been giving huge 5% back incentives for warehouse shoppers.
Sam’s Club is also offering a generous Cash Back Program on top of the cash back you can earn using a credit card. Sam’s Plus Members earn $10 in Cash Rewards for every $500 in qualifying pre-tax purchases during a membership year with a maximum reward of $500 per 12-month period. Cash Rewards are loaded onto the Sam’s Plus Member account about two months before the end of the membership year (award date).
If you are not yet a member of Sam’s Club you can join using this link and get a $20 e-gift card.
1. Discover it
Go Here: Discover it
Wholesale clubs are included in the 5X categories through June 30, 2017. It’s been this way for several months now so this has been our top card used at Sam’s Club. You can also get cash at the register up to $60 interest free. Yes, it works just like an ATM Machine but no fees.
With the 5X bonus categories, you can earn $75 cash back on up to $1,500 in purchases each quarter after you activate the bonus.
For new cardmembers Discover will match the cash back you’ve earned at the end of your first 12 billing cycles. So any purchases you made in the 5% bonus categories will get you 10% cash back!
2. Bank of America Cash Rewards
There are 2 no annual fee Bank of America cash back cards which include wholesale clubs as a bonus category. With the BankAmericard Cash Rewards Visa and MLB BankAmericard Cash Rewards card, you can earn 2% cash back at wholesale clubs on up to $2,500 in spending each quarter. You’ll also get a 10% bonus if you deposit your cash back into a Bank of America checking or savings account. If you redeem $50 cash back, you’ll get $55 in your bank account.
3. AMEX Starwood Cards
Go Here: Starwood Preferred Guest® Credit Card from American Express
With the AMEX Starwood card, you’ll earn 1 point per $1 spent at Sam’s Club. But for every 20,000 Starwood points you transfer to airline partners (with a 1:1 transfer ratio), you’ll earn 5,000 bonus miles. That means every $1 spent on the AMEX Starwood cards is worth up to 1.25 airline miles!
Plus, AMEX Starwood cards give you access to AMEX Offers. I recently got an amazing deal on my American Express Blue Cash card where the AMEX Offer was 20% back on purchases of $100+. I purchased $500 in Sam’s Gift Cards with this offer and got $100 back.
4. Citi Double Cash
You can earn up to 2% cash back at Sam’s Club with the no annual fee Citi Double Cash card. You’ll earn 1% cash back on every purchase, and another 1% cash back when you make payments, as long you meet the minimum payment on your monthly statement. You can redeem cash back rewards for a mailed check, a statement credit, or for gift cards, when you reach $25 in rewards.
5. Chase Freedom Unlimited and Chase Freedom Card
Go Here: Chase Freedom
With the Chase Freedom Unlimited, you’ll earn 1.5X Chase Ultimate Rewards points (1.5% cash back) per $1 you spend on all purchases with NO limit. Chase Freedom Visa also ran a 5% back category for warehouse clubs during the Holiday season and we bet they will again soon because Discover Card is continuing their promotion of this.
by PointsGuru | Feb 28, 2017 | Retail
Friday, March 3, and Saturday, March 4, JCPenney stores will have a Free $10 off $10 coupon available in store. 2 in 100 coupons will be for $100 off $100, and 3 in 100 will be $20 off $20 as well. While Supplies Last. Stores open at 8am Friday and 7am Saturday! Reach out to your local JCPenney for store hours as they may vary by location. Most stores are participating.
You can buy novelty tees for only $12 at JCP so that makes them $2 with this coupon. You may also want to sign up for their email list because they have sent me a few $10 off coupons via email and to my home address.
Another great offer is the Staples $10 off $10. This offer keeps coming to my inbox weekly but I have yet to post about it. I have been going in Staples to buy a box of K-cups of Coffee for $12 and paying only $2 just like the JCP offer above. Just sign up for their email list and it shall come soon!
Remember, when doing any shopping online to use Ebates to get cash back.
Past promos
Friday, December 16 and Saturday, December 17 JCPenney stores will have a Free $10 off $10 coupon available. 2 in 100 coupons will be for $100 off $100, and 3 in 100 will be $20 off $20 as well. While Supplies Last.
by PointsGuru | Feb 21, 2017 | Retail
If you have cats we are starting to find some great rewards programs when buying cat food whether it be from your favorite grocery store or a PetSmart. We have also found some free offers from products such as Rachael Ray and Purina to try out. To get FREE Stuff from Purina Cat Chow sign up for the “My Perks Rewards” and you start with a generous 10,000 points. You can earn more points under Activities Tab where you can easily earn another 3,690 points.
To redeem your rewards simply click the “Rewards” Tab at the top of the page. It may take a couple of months to earn enough points. To redeem the codes go to “Activities” and then click where it says proof of purchase and then click that and scroll down the page and enter in your codes. Redeem points for new rewards like cat fountain, yoga mats and more.
Earn over 45,000 points with the new codes below: (more…)
by PointsGuru | Feb 17, 2017 | Retail
Verizon Smart Rewards is a rewards program where you can earn points for paying your bill using My Verizon, purchasing accessories and more. These rewards points can be redeemed for savings on merchandise, gift cards, travel, daily deals and entering auctions and sweepstakes.
Some of the promos for new members include $10 gift cards. New sign-ups of the Verizon Smart rewards program were able to score a $10 Verizon Gift Card for only 1,000 points.
See more about this program at rewards.verizonwireless.com.
by PointsGuru | Feb 2, 2017 | Retail
Sprout’s Farmers Market is one of the most popular health food stores who competes with Whole Foods Market and Natural Grocers. This week they have raised the bar with some deals you cannot refuse just in time for Super Bowl watch parties.
FREE $5 with $30 purchase
You can download their app and add a coupon that let’s you purchase $30 of products at Sprouts, and save $5! Just like many coupons it is not valid on beer, wine, postage or gift cards. No cash value, credit or change will be given. This is open to anyone and expires the night of the Super Bowl.
FREE PopCorners Chips at Sprouts Market
To get FREE PopCorners Chips at Sprouts Farmer’s Market download the mobile app for iOS or Android, then login or register and go to mobile coupons and clip for a eCoupon for a FREE PopCorners Chips (expires 3/30). Note: Offers may vary by user.
Each mobile coupon is valid for a single use at any Sprouts Farmers Market, excluding Sprouts Chula Vista and Sprouts Express locations, while supplies last. Digital coupons and paper coupons may not be combined on the purchase of a single item. Easy Scan Barcode or alternate ID must be processed at time of purchase. Cash value 1/100¢. Other restrictions may apply. Cannot be combined with any other offer or discount. Not valid on past purchases. Not subject to doubling. Valid only for specific item(s) listed on coupon(s), subject to expiration date on coupon(s) and availability of products. No rain checks.
