Wednesday, August 30, 2006

How Do You Shop Online?

Do you go straight to the site or through a middle man? If the former is your choice, you probably missed some big cashbacks you could have earned on top of what your credit cards offer. There tons of sites offer cashback programs by shopping through them. You already spend the money, why not get some back?

I have joined both Upromise and BabyMint, two sites that aim at saving for college while shopping. Every time I shop online, I will go to these two sites and check their respective cashback offerings. All the major retailers are listed on both sites, but the cashback percentages are different. Of course, I always go with the higher one.

If I can’t find the merchant on either Upromise or BabyMint, I will then go to Ebates, which has a larger selection. For some sites, Ebates offers very attractive cashback, more than 10%. But those sites are not considered as big player, in my opinion.

It seems that small stores tend to offer high cashbacks. However, cashback offers shouldn’t be the only factor when you consider which store to go. If a big name offers a competitive price for the same item, I will go with the big name, even with a lower cashback rate. I need to feel comfortable with the site before placing any order.

One exception. Amazon is not affliated with any of the site I mentioned!

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