New Radisson Rewards Americas loyalty program launches today – The Points Guy


Radisson to launch separate loyalty program for travelers in the Americas


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Source: thepointsguy.com

Why the perfect credit score isn’t necessary – The Points Guy


Why the perfect credit score isn’t necessary – The Points Guy


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

25 Home Depot Shopping Tips & Tricks to Save Money

Since purchasing my first fixer-upper home a few years back, I’ve set foot inside the Home Depot at least 100 times, and I couldn’t begin to tell you how many visits I’ve made to the home improvement giant’s website.

I’ve spent more money than I’d like to admit. Thankfully, I’ve saved many thousands of dollars too.

If you’re planning a home improvement project to reduce homeownership costs, improve your home’s energy efficiency, or increase your home’s value — or if you’re just taking care of a few DIY projects — check out these tips and tricks.

How to Save Money Shopping at Home Depot

These are the most reliable tips to save money at Home Depot. They range from little-known discounts to well-worn advice on shopping trip timing.

1. Find Home Depot Coupons

Home Depot’s coupon page is a goldmine for discounts and deals in-store and online. If you’re planning a store visit, scroll to the bottom to search for your local ad, which contains time-limited sales not advertised elsewhere on Home Depot’s website.

2. Sign Up for Text Alerts

Sign up for Home Depot’s text alerts if your mobile provider doesn’t charge for inbound SMS messages. You’ll receive at least several messages per week.

Home Depot’s text alerts aren’t particularly well targeted. I’ve received countless offers from departments I’ve never purchased anything in.

But enough alerts are relevant to justify signing up, especially if you’re in the early stages of a big project that will require multiple trips to Home Depot. You can always unsubscribe when you complete the project.

3. Join the Email List for a One-Time Discount

Sign up for Home Depot’s free email list to earn $5 off your next purchase online or in-store. The discount comes as an emailed coupon.

After signing up, you receive Home Depot’s occasional promotion emails, which offer:

  • In-store and online discounts and savings opportunities
  • How-to guides for DIYers
  • Home improvement project ideas and tips

If you’re worried about the extra emails, popular email suites like Gmail divert promotional emails into a separate inbox (labeled “Promotions”) to keep users’ primary inboxes clear. Or you can set up a filter of your own. You’ll barely notice the additional message volume.

4. Search HomeDepot.com for Product-Specific Rebates

Home Depot’s rebate center advertises thousands of rebates on specific products. Part of the reason it has so many is because Home Depot rebates apply at the SKU (unique stock number) level.

That means products that come in different configurations or sizes are likely to have multiple rebates associated with them — different rebate amounts for different sizes, for example.

Many individual SKUs are also eligible for more than one rebate. For instance, an energy-efficient appliance might qualify for a green energy tax credit, a utility company rebate, and a manufacturer rebate.

You must apply for each rebate separately online or by mail, but it’s worth the trouble when you stand to save hundreds on a major purchase.

5. Check for Overstock Deals

Home Depot’s special values include hundreds of overstock products in your local store, either in stock or eligible for ship-to-store. Many are deeply discounted — over 50% in some cases.

It can be hard to find the exact color or specifications you’d like. But if you’re not picky, it’s a fantastic place to find deals on the home goods you need.

If you’re already in your Home Depot store or planning to venture in anyway, check the back for heavily discounted overstock and damaged merchandise. In the rear of the lumber department, old boards sell for up to 70% off, and store staff will cut up to two lengths for free.

Nearby, there’s often a cart or two of miscellaneous discounted products with cosmetic dings or dents that don’t impact function.

6. Look for Daily Deals

Home Depot runs enticing daily deals every day. The category-specific Special Buy of the Day rotates through fairly broad product categories, such as residential water treatment systems and whole-home cooling systems.

7. Use a Cash-Back Credit Card With Rotating Categories

Using a cash-back rewards card with rotating cash-back categories is a must every time you patronize a home improvement retailer.

Your best bet is the Chase Freedom Flex credit card (read our Chase Freedom Flex review) and its quarterly rotating 5% categories. Home improvement stores enter the rotation every year or two. However, Chase makes no guarantees about what’s in store for the future (and typically doesn’t reveal 5% categories until a few weeks before the start of a new quarter).

8. Take Advantage of Temporary Credit Card Offers

Chase Freedom isn’t the only credit card that promises above-average rewards on Home Depot purchases.

Other Chase credit cards have been known to extend time-limited bonus opportunities to cardholders. Examples include the Chase Freedom® Unlimited credit card (read our Chase Freedom Unlimited review) and the Chase Sapphire Preferred® card (read our Sapphire Preferred review).

Amex Offers, a members-only discount database for American Express cardholders, usually includes home improvement stores as well.

9. Wait for Promotions to Make Major Purchases

Whether you’re planning a major DIY or contracted home improvement project, it always pays to wait for the right time to purchase your supplies. Once you’ve finished your shopping list, visit or call to ask about upcoming promotions.

You probably won’t have to wait long.

For example, before a major kitchen renovation, my wife and I purchased cabinets and countertops in two separate orders. We bagged the countertops as soon as we decided on the material and pattern to avoid missing a 20%-off sale. But we waited two weeks after settling on cabinets to make the purchase. That was just long enough to snag 30% off that part of the order.

Our design tech told us we probably wouldn’t have to wait longer than two more months for the next cabinets promotion.

10. Be the Squeaky Wheel

Don’t hesitate to escalate. This trick is near-universal in the retail world, but I’ve had excellent luck with it at Home Depot. Department and store managers have tremendous leeway on pricing.

Even rank-and-file department employees are authorized to knock up to $50 off merchandise if the customer isn’t satisfied.

I thought I’d gotten a good deal on new interior French doors during a 15% off sale, but when it took longer than promised to receive them, I politely complained and got another $50 off on the spot.

11. Take Advantage of Special Financing on Major Purchases

Home Depot offers interest-free financing on large purchases for credit-qualified customers.

Chain-wide, the standard deal is a 0% annual percentage rate (APR) for six months on purchases of $299 or more. Individual stores may offer longer interest-free deals on larger purchases.

I’ve taken advantage of a 24-month 0%-APR financing period on a four-figure purchase (the threshold was $1,999 in that instance). That’s the longest interest-free financing period I’ve seen at Home Depot.

But applying for Home Depot’s 0%-APR financing offers means submitting to a hard credit pull that temporarily lowers your credit score by a few points. If approved, you receive a credit card with a credit limit determined by things like your credit score and income.

The larger the purchase amount, the higher your initial credit utilization ratio. And on substantial purchases, your credit limit could be just a little higher than the purchase price. That also negatively affects your credit score, with the effects lingering until you mostly pay off your balance.

Make up for the hit by keeping your credit card account open and unused after paying off the initial balance. I keep my Home Depot credit card in the bottom of a secure filing cabinet, where it’s remained untouched since it arrived.

There’s another perk to using a Home Depot credit card or credit line: an extended return window.

You can return most merchandise (except those listed as uncovered by Home Depot’s return policy) purchased with qualifying Home Depot credit products for up to one year (365 days) from the purchase date.

12. Capitalize on Home Depot’s Expansive Price-Match Policy

Home Depot’s low-price guarantee includes a generous price-match policy that covers in-store and online purchases.

If you find a lower advertised price on an identical product to one you purchased from Home Depot, Home Depot will match that price and the competitor’s shipping rate (if any) and reimburse the difference.

13. Rent a Truck at Your Local Home Depot

Are you moving across town? Or planning to haul the results of your DIY demolition project to the dump?

Before overpaying for a U-Haul or calling in a favor from that one friend with a pickup truck, check your local Home Depot. Though selection varies by store, many have flatbeds (essentially heavy-duty pickups) and box trucks (large moving vans) available for rent by the hour or day.

Home Depot’s truck and tool rental page has more details. For flatbeds, the ideal rental window is two hours or less, after which hourly pricing rises steeply.

14. Rent Tools Before You Buy

Home Depot rents a slew of tools that are too expensive, bulky, or specialized for most people to invest in, especially if you’re only using them occasionally or for one project.

After confirming the tool you need isn’t in stock at your neighborhood tool lending library or hardware store, both of which will probably be cheaper to rent on an hourly basis, stop by your local Home Depot warehouse.

Not all locations offer tools for rent, so check online beforehand.

15. Look for Prices Ending in 6 and 3

It’s easy to spot in-store discounts at Home Depot. Just find the yellow price tags and look at the last numeral. If it’s a 6, it’s a good deal. If it’s a 3, it’s a great deal. It’s the lowest the department is willing to go on that particular merchandise.

Discounted prices ending in 6 typically last for six weeks. Then, the price drops to one ending in 3, where it remains until the product sells out or Home Depot removes unsold inventory to make room for higher-margin stock.

16. Return Dead or Unproductive Plants Within One Year for a Full Refund

The Home Depot garden center’s return policy is better than any other department’s. Perennials, trees, and shrubs all carry a one-year (365-day) guarantee.

If they die or fail to bear flowers or fruit (when applicable) during that period, you can return them for a full refund.

17. Take Advantage of Recurring Annual or Seasonal Sales

Home Depot excels at seasonal sales. At any given time, at least one department is holding a blockbuster clearance event. Examples include:

  • Plants. The garden center typically offers the most enticing deals in April, or whenever spring comes to your neck of the woods. In colder climates, fall sales on perennials, including trees and shrubs, typically feature massive markdowns. Members of the Home Depot Garden Club may qualify for additional discounts and sales not available to the general public as part of their free membership.
  • Holiday Decor and Accessories. Holiday decorations like wreaths, natural and artificial Christmas trees, and serving ware first go on sale during Black Friday week. The home improvement giant marks them down even further in January.
  • Grills. The week of July Fourth is the best time to buy grills at Home Depot.
  • Paint. Paint discounts peak on Memorial and Labor Day weekends, with savings up to 40%.
  • Kitchen and Bath. The first quarter of the year is the best time to make significant kitchen and bath purchases at Home Depot.
  • Patio Furniture. Take advantage of clearance items in Home Depot’s patio furniture department during the waning days of patio season, which can vary by geography.

18. Set Up Subscriptions for Recurring Purchases

Home Depot Subscriptions is a recurring home delivery program that promises 5% savings across the board on household staples like coffee, cleaning supplies, air filters, and pet food.

The program also touts contractor staples, such as job site safety equipment, painting supplies, and power tool accessories.

But Home Depot Subscriptions isn’t the only subscription service. So confirm it’s cost-competitive with alternatives like Amazon Subscribe & Save before enrolling.

19. Leverage Your Military Status

Home Depot treats service members well. Active-duty and retired career personnel get 10% military discounts on every order.

But Home Depot doesn’t leave out veterans entirely. It also offers the same 10% discount to veterans, including honorably discharged enlistees and reservists, during select holiday periods, such as the days leading up to Memorial Day and Veterans Day.

20. Buy Floor Models

If you’re in the market for a major appliance and don’t mind one other people have touched and ogled, buy the floor model. It isn’t always apparent whether floor models are for sale, so ask the department manager if you’re unsure.

And while haggling isn’t common elsewhere at Home Depot, managers are authorized to move older display inventory to make room for newer stock. Discounts of up to 30% off aren’t out of the question.

21. Buy Oops Paint

When you’re doing a project that doesn’t involved finding the perfect hue, such as painting the inside of your garage, turn to the Home Depot paint department’s “oops paint,” the term it uses for paints that are the result of mixing mistakes.

For color-flexible customers, the standard oops discount is about 70% per gallon.

22. Buy From the Pro Desk for Deeper Discounts

The Home Depot Pro Desk primarily deals with professional contractors, but it’s willing to make an exception for high-rolling DIYers too.

If your purchase list adds up to more than $1,500, you qualify for Home Depot’s Volume Pricing Program, which promises up to 30% off materials and supplies.

Technically, you need to join the free Pro Xtras club to get the discount, but it’s often possible to work out a one-time deal with whomever’s on staff at the Pro Desk.

If you’re not planning to spend $1,500 or more on your DIY project, you can still take advantage of bulk pricing on raw materials like tile, lumber, and plumbing.

When available, the bulk price appears on the same price tag as the regular price along with the minimum qualifying quantity.

23. Ask for Recent or Forthcoming Sale Pricing

Home Depot department heads have leeway to extend sale pricing upon request. Asking for a deal that ended last week (or isn’t scheduled to begin until next week) won’t pan out every time.

If you can, waiting for the next sale is a better bet. Still, asking for sale pricing outside sale periods is worth a shot.

24. Get Warrantied Tools Repaired In-Store

If the tool or appliance you bought at Home Depot malfunctions before its manufacturer’s warranty period expires, bring it into your local store for repair. As long as the warranty is valid and the problem arose from regular use, Home Depot doesn’t charge for repairs.

Better yet, it files the warranty claim on your behalf, saving you time and eliminating the suspense of waiting for approval.

25. Use Third-Party Resources to Save Even More

These resources aren’t directly affiliated with Home Depot, but that doesn’t mean they can’t significantly reduce your net spending with the home improvement giant:

  • Paribus. Sometimes, we don’t realize we’ve overspent until days or weeks after the fact. Capital One’s Paribus crawls the Internet for price declines, automatically notifies the user when it finds a lower price on a purchased product, and helps them recover the difference. Paribus is free for Capital One® Venture® Rewards credit card and Capital One® Quicksilver® Cash Rewards credit card users, among others. (Read our Capital One Venture and Capital One Quicksilver reviews.)
  • Gift Card Resellers. Buy discounted Home Depot gift cards through resellers like Raise.
  • Cash-Back Apps. Find unique coupon codes or cash-back opportunities from popular cash-back apps like Ibotta, Honey, and BeFrugal. For best results, install the apps’ browser plug-in and shop online to get a reminder to activate them while shopping.

Final Word

Finding what you’re after in a mammoth Home Depot store isn’t always easy.

Paying less after locating it than you would at another home improvement superstore? Comparatively, that’s a snap.

With so many reliable ways to save money at America’s largest home improvement superstore, it’s a wonder DIYers shop anywhere else. As you plan your next home remodel project or seasonal appliance purchase, don’t forget to look for the savings opportunities.

Source: moneycrashers.com

Reasons Many People Stay in Debt

Why People Stay in DebtWhy People Stay in DebtDebts are sometimes inevitable in life. For most people, it would be next to impossible to own a home, a car, pay bills or even get an education without credit. Federal Bank of New York released a report that put household debt and credit at $13.29 trillion in the second quarter of 2018.

Do people end up repaying all these debts? Unfortunately no; many people are up to their necks in debt and quite a large number of them are doing nothing towards repayment. There are numerous reasons why many people stay in debt. Here are several:

Living Beyond Means

This simply means that you are spending more than you are bringing in. If what you are earning cannot comfortably cater for house and car payments, insurance, other fixed costs and house expenses, then you cannot afford that kind of a lifestyle. It is even worse if you freely use your credit cards to pay for what your income cannot support. What happens is that debts start accumulating and accruing interest month after month and before you know it, you are swimming in debt with no way to escape.

Spending Without a Budget

According to a recent study, only 41% Americans use a budget. This means that most people cannot track their spending habits leave alone plan for the future. Without a budget and with several credit cards at your disposal, it is easy to spend your money uncontrollably and end up depending on credit as you wait for the next pay. The repeated cycle leads to failed repayments which consequently increases the outstanding debts.

Job Loss or Reduced Income

Having a job gives you the confidence to use credit knowing that your income is able to cover the repayments. Should you unexpectedly lose the job, it becomes impossible to make your repayments which may also attract additional interests and penalty fees. Even if you end-up getting another job, it is possible that your credit card debts will have soared to levels that you may no longer sustain. Similarly, a pay-cut or reduced income may also make you lag behind on your repayments leading to accrued debts.

Unwillingness to Sacrifice

If you are deep in debt and you still fight to maintain the same life style, chances are that you will never repay your debts or worse still, they will keep increasing. The ability or inability to save for debt repayments may depend on your willingness to forego a few things like holidays, cable, birthday gifts, a big house and a luxurious car among others. The question is; are you willing to make the sacrifice?

Struggling to Keep up Appearances

It is just human nature to want to fit into certain statuses set by the society, family, friends etc. In an effort to fit, you may end up spending beyond what you can sustain with your income. Unfortunately, the demands may keep going higher and higher and unless you can tell yourself to stop, you will be up to your neck in debt within no time. The fact that you are keeping up appearances means that things are not good financially in the first place so unless you win a lottery or come into some huge cash, you will stay in debt for a long time.

Financial Illiteracy

In a quest to understand how financially literate the world is, people were asked 4 simple questions regarding risk, inflation and interest. Out of 150,000 adults from over 140 countries, only a third could answer 3 out of the 4 questions correctly. If you have no idea of how credit works, you keep on making mistakes that will increase your debts in the long run. Such include; late repayments, carelessly requesting for credit top-ups, and falling for the wrong lines of credit among others. This also comes with the inability to manage the credit hence leading to heaps upon heaps of debts.

Final Take

While it is normal for people to find themselves in debt at some point or another, not all of them end up paying. The reasons why many people stay in debt range from genuine ones to outright selfish ones. Debt accumulates little by little and before you know it, you are too debt ridden to do anything about it. On the other hand, with proper planning, a little sacrifice and commitment, it is possible to disentangle yourself from the debt cycle one step at a time.

Source: creditabsolute.com

Everything you need to know about transiting through European airports during the pandemic – The Points Guy


Transiting through European airports during the pandemic- The Points Guy


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Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Register for our next Return of Travel webinar with luxury-travel expert Tom Ho – The Points Guy


Register for Return of Travel webinar with luxury-travel expert Tom Ho


Advertiser Disclosure


Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Amazon Prime Day 2021: How to Get the Best Deals

In typical years, Amazon Prime Day falls in mid-July, perfectly placed to interrupt the midsummer retail doldrums.

But 2021 is not a typical year.

The ongoing COVID-19 pandemic continues to disrupt global supply chains in an echo of 2020 when Amazon temporarily refocused its energies on essential business lines like food and personal care products. Prime Day 2020 didn’t happen until October, ahead of a nasty second wave of the pandemic that upended global trade again.

To complicate things further, the arrival of reliable vaccines in early 2021 spurred millions of Americans to make ambitious summer plans. Many people who’d normally jump at the opportunity to capture once-a-year deals in July might not be anywhere near a computer at that time.

That could be why Amazon has decided to move Prime Day 2021 to June.

When Is Amazon Prime Day 2021?

Amazon Prime Day 2021 will take place on Monday, June 21 and Tuesday, June 22.

Be forewarned that Prime Day deals aren’t guaranteed to last the entire 48-hour span. When they’re gone, they’re gone.

Despite its new position on the calendar, Prime Day 2021 is shaping up to be no different from past Prime Days in at least one crucial respect: offering a vast array of attractive deals and discounts on sought-after consumer goods, household products, and small-business essentials.

In the past, Prime Day shoppers have enjoyed discounts of 50% or more on high-demand products. According to Amazon, Prime Day shoppers collectively saved about $1.4 billion in 2020, equivalent to 700 million pairs of socks.

This year, they’ll get in on the action early. Amazon has already announced a slew of pre-Prime Day sales that could be gone before the main event begins.

Best Amazon Prime Day Deals for 2021

What can shoppers expect from Amazon Prime Day 2021? Its Prime Day 2021 flyer offers some tantalizing clues.

The retail giant has already instituted some stealth price drops on popular items like the Fitbit Sense, Instant Pot multicooker, Apple products like iPads and AirPods, and Amazon-branded daily essentials like multivitamins and nonperishable food staples.

It’s also promoted specific early deals on the Amazon Halo wellness band ($69.99, down from $99.99) and the controller for Amazon’s all-new Luna gaming device ($48.99, down from $69.99).

Other early Prime Day 2021 deals include:

And on Prime Day 2021 itself? Prime members can look forward to a host of category- and product-specific deals like:

A general word of advice: Don’t wait to jump on specific Prime Day deals. Once inventory runs out, the deal is gone for good.

Tips to Prepare for Amazon Prime Day & Maximize Your Savings

Want to save as much as possible on Amazon Prime Day without impulse-buying items that you don’t really need? Careful preparation is key to a successful, budget-friendly Prime Day shopping experience.

That means becoming an Amazon Prime member (if you’re not one already), making and sticking to a concise shopping list, and using the proper payment method.

1. Join Amazon Prime

Prime Day deals are only for Amazon Prime members.

That means becoming a Prime member is an essential prerequisite for anyone with big Amazon Prime Day shopping plans — and anyone interested in taking advantage of the $119-per-year subscription’s considerable benefits during the rest of the year.

These benefits include:

  • Free two-day shipping on all eligible Amazon purchases
  • Free one-day or two-hour delivery on eligible purchases in select areas
  • Free no-rush shipping with bonus reward credits against eligible future Amazon purchases
  • Free grocery delivery through Amazon Fresh in select areas
  • Access to Amazon Prime Video’s library of thousands of movies and shows, including exclusive features and series not available anywhere else
  • Unlimited e-books through Kindle Unlimited
  • Unlimited access to more than 2 million digital songs through Amazon Music
  • Free games, in-game content, and subscription to Twitch.tv through Amazon Gaming
  • Exclusive savings (and delivery in select cities) from Whole Foods Market
  • Deals and discounts up to 20% on select products (such as diapers) through Amazon Family

If you’re a first-time Amazon Prime subscriber, opt into the 30-day free trial right before Prime Day. If you’re not satisfied with the service, you can always cancel after Prime Day and before the trial expires, paying nothing for the trouble.

That said, Prime membership is definitely worth the cost for frequent Amazon shoppers able to take advantage of its content and delivery perks.

For additional savings, read up on more tips to save shopping on Amazon.

2. Familiarize Yourself With Last Year’s Deals

Use actual examples from last year to familiarize yourself with the sorts of deals Amazon is likely to offer on the big day.

For example, CNET highlighted a slew of deals on electronics and home goods, some of which remain available (albeit at different price points) in 2021:

Prior-year availability won’t predict with 100% accuracy what Amazon has up its sleeve this year, especially in light of the ongoing pandemic-related supply chain disruptions that delayed Prime Day 2020. But it can and should form the basis of informed guesswork.

3. Set a Reasonable Shopping Budget

Next, set a reasonable Prime Day shopping budget. It’s essential you do so before compiling your shopping list. Otherwise, the temptation to overspend on things you desperately want but don’t need becomes too powerful to resist.

As you likely know from budgeting for Black Friday and Cyber Monday, your retail holiday budget — in this case, your Prime Day budget — should fit neatly into your larger discretionary budget. Avoid the temptation to use Prime Day as an excuse to expand it.

For example, if you typically earmark $500 per month to spend on luxuries or nice-to-haves like restaurant meals and electronics, don’t spend $700 on Prime Day.

In fact, unless you’re willing to go without any other luxuries that month, you need to spend considerably less — perhaps $250 or $300 in this example.

4. Make & Stick to a Needs-Based Shopping List

Making a list is a vital step to take ahead of planned shopping events of any significance, not just Prime Day. The objective is clear: avoiding impulsive purchases you don’t need and could regret in hindsight.

Using clues gleaned from prior Amazon Prime Day deals, your list should include everything you both plan to buy before the end of the year (or, if you prefer and your shopping budget allows, within the next six months) and those reasonably likely to be discounted on Prime Day.

On Prime Day, stay disciplined and condition your purchases on value. If a particular item on your list isn’t discounted for Prime Day, don’t buy it. You’ll likely find better deals later in the year.

5. Use a Browser Extension to Find a Better Deal

Before Amazon Prime Day 2021, add Capital One Shopping, a free browser extension that automatically searches competing merchants’ inventories for a better price when you shop Amazon.

If Capital One Shopping can’t find a better price elsewhere, simply complete your Prime Day purchase as planned. If another retailer has a better price, shop with them instead.

Capital One Shopping isn’t the only browser extension that can save you money on online purchases you’d make anyway. It’s one of the best around, but legitimate and potentially lucrative alternatives abound.

Capital One Shopping compensates us when you get the browser extension using the links provided.

6. Ask Alexa for the Best Deals

Fair warning: This is an easy way to blow through your Prime Day budget. But it’s also incredibly convenient.

If you have an Alexa-enabled device like the Echo Show 5, wake up early on June 21, 2021, and pop the question: “Alexa, what are my Prime Day deals?” Just resist the temptation to purchase them all in one go.

7. Shop Early

Amazon makes no guarantees that any given Prime Day merchandise will remain available for the event’s duration. Quantities are always finite, and unexpectedly high demand for specific products could cause certain deals to sell out sooner than expected.

Your best bet is to shop early, logging on right away on Prime Day morning and getting as much of your shopping list out of the way as possible before the day begins.

You can always return later to complete your list or take advantage of last-minute deals (known as lightning deals) as your budget allows.

8. Look for Prime Day Badges

If you happen to be browsing Amazon anyway during the Prime Day period, look for the little blue badges denoting Prime Day deals. These highlight limited-time opportunities that aren’t likely to remain after June 22.

9. Download the Amazon App for Mobile Purchases

Amazon’s main website works just fine on desktop and mobile devices, but don’t overlook its user-friendly app.

The app is especially useful for shoppers stuck at work during Prime Day’s peak hours, as many employers frown on workers shopping (or conducting any personal business at all) on work-issued devices.

Beyond the obvious perks of a crisper shopping experience in a smaller package, Amazon’s mobile app offers:

  • Voice-assisted shopping using the Amazon Alexa assistant
  • Real-time order tracking and notifications
  • Direct chat support from Amazon’s customer assistance team
  • Single-tap shopping with your smartphone camera

10. Use a Rewards Credit Card (Preferably the Amazon Prime Rewards Visa Signature Card)

The Amazon Prime Rewards Visa Signature card is the best cash-back credit card for frequent Amazon patrons, period. Its three-tier cash-back program earns:

  • 5% cash back on qualifying Amazon and Whole Foods purchases with an eligible Prime membership
  • 2% cash back on eligible purchases at gas stations, restaurants, and drugstores
  • 1% cash back on all other eligible purchases

If you’re not an Amazon Prime member, the otherwise identical Amazon Rewards Visa Signature card earns 3% cash back on Amazon and Whole Foods purchases.

Of course, Prime Day sales are for Prime members only, so you must become a Prime member before the big event. But if you already have the Amazon Rewards Visa Signature card, you don’t need to reapply for the Prime Rewards card — the upgrade is automatic and immediate.

But if you have no interest in applying for an Amazon card or don’t qualify, use one or more of these Prime Day-friendly credit cards if you can:

Final Word

Amazon and Whole Foods aren’t the only retailers worth patronizing on Prime Day. Many big-name sellers — Walmart and Target among them — slash prices to compete with Prime Day deals and offer price-match guarantees that may cover Amazon Prime Day deals (though be sure to read the fine print on these policies carefully).

If you play your cards right, your Prime Day shopfest could turn into a multi-retailer blowout that saves you hundreds on purchases you planned to make anyway while supporting your favorite non-Amazon merchants. Talk about a great way to get everything you need for less.

You can make your purchases count by joining the Amazon Smile program before the big day. Shop through the Amazon Smile site — not Amazon’s main site — to ensure Amazon donates 0.5% of eligible purchases to the charity of your choice.

You can also purchase actual products to give to thousands of registered Amazon Smile charities using the Charity Lists feature. It lets you buy frequently needed products, such as paper towels and cleaning supplies, preselected by participating charities, which are then shipped directly to them, putting your dollars to work right where charities need them most.

Source: moneycrashers.com