https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 26 May 2026 07:08:55 +0000 https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901957 Wed, 15 Oct 2014 12:14:09 +0000 Mrs. High Heels 1901957@https://boards.hellobee.com/ <p>@PurplePumps: Had no idea - good to know, thanks! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901865 Wed, 15 Oct 2014 11:37:44 +0000 sunny 1901865@https://boards.hellobee.com/ <p>@PurplePumps: wow! I didn't know about that perk! thanks! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901807 Wed, 15 Oct 2014 11:14:39 +0000 PurplePumps 1901807@https://boards.hellobee.com/ <p>@Mrs. High Heels: @sunny: I just "discovered" this perk about Discover the other day too! They have a price match policy for items purchased in Nov including black Friday pricing! Here's the info from the thread:</p> <p>1) purchase the product (make sure model number is identical)(bf ad must have model #)<br /> 2) If price drops, call up Discover at 1-800-638-8312 (direct number for the price protection department) to file a claim<br /> 3) They will mail you paperwork. Fill out the form and send it back along with your receipt + ad/sales receipt showing the BF price.<br /> 4) Get a price match check in a few weeks.</p> <p><a href="http://slickdeals.net/f/6347766-discover-price-protection?v=1" rel="nofollow">http://slickdeals.net/f/6347766-discover-price-protection?v=1</a> </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901796 Wed, 15 Oct 2014 11:09:39 +0000 PurplePumps 1901796@https://boards.hellobee.com/ <p>I always use the card to get cash back, then use whatever reward balance I have to apply as a payment. That way I get my 5% and can use the balance. I never use the reward balance toward buying anything directly. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901728 Wed, 15 Oct 2014 10:38:15 +0000 Mrs. High Heels 1901728@https://boards.hellobee.com/ <p>@sunny: Yes, I will now that I know - thank you! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901723 Wed, 15 Oct 2014 10:36:03 +0000 sunny 1901723@https://boards.hellobee.com/ <p>@Mrs. High Heels: if you also have a Freedom, I would use that for the named merchants (Amazon, the "selected department stores") and then I would use the Discover if you have other online purchases or if you've hit the $1500 cap. And don't forget about the Shop Discover portal for extra cash back! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901718 Wed, 15 Oct 2014 10:32:04 +0000 Mrs. High Heels 1901718@https://boards.hellobee.com/ <p>@Mrs.KMM: Love the way you laid it out!</p> <p>@Adira: Ooh didn't know this was for the Chase Freedom! I've been using my Discover lately for Amazon because right now they're currently doing 5% cashback for all online shopping up to $1500. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901716 Wed, 15 Oct 2014 10:30:23 +0000 Adira 1901716@https://boards.hellobee.com/ <p>@sunny: haha, nope, you got it - it's Freedom. :D And we rarely travel, so that's why I went with a card that gave points instead of something like the Sapphire Preferred! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901714 Wed, 15 Oct 2014 10:28:19 +0000 sunny 1901714@https://boards.hellobee.com/ <p>I would use your Freedom card now (or is it a Discover?) </p> <p>If you have travel expenses and are willing to get the Chase Sapphire Preferred card, the Ultimate Rewards points can be redeemed at a higher rate than 1c/point, making it more like 6.25X on your purchase instead of 5X.</p> <p>Even if you don't travel, how Mrs kmm laid it out is what makes the most sense to me, unless you are short on cash at the short term. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901672 Wed, 15 Oct 2014 09:52:57 +0000 Adira 1901672@https://boards.hellobee.com/ <p>@Mrs.KMM: Ahhh, I like your math! Thanks for spelling it out like that for me. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901664 Wed, 15 Oct 2014 09:50:04 +0000 Mrs.KMM 1901664@https://boards.hellobee.com/ <p>I'd do the cash back.</p> <p>I'm assuming you shop at Amazon frequently which is why you have all the points you do. So you will have other opportunities to spend the points and get stuff for "free".</p> <p>To use the example that PPs have used, say you want to buy $100 worth of stuff. With points you spend $0 now but in say March when you want to buy another $100 from Amazon, you spend $100 because you have no points left. But if you do the cash-back deal now, you spend $95 and then in March, you can use you points and spend $0. So you come out ahead to take advantage of the cash-back deal and then use the points when there is no other deal going on. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901555 Wed, 15 Oct 2014 09:00:58 +0000 bunnylove08 1901555@https://boards.hellobee.com/ <p>I think it would depend, if you can pay for all your gifts with your points then yes use the points because xmas can be a little money draining. But if you can combine the cash back with coupons and ebates then I would use cash back </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901548 Wed, 15 Oct 2014 08:57:17 +0000 MamaG 1901548@https://boards.hellobee.com/ <p>I think I'd use the points. 5% cash back is only $5/$100. It sounds like you have more points than you would earn in cash back.</p> <p>(I see shootingstar is thinking like me too) </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901543 Wed, 15 Oct 2014 08:55:48 +0000 cmomma17 1901543@https://boards.hellobee.com/ <p>@Adira: well that's pretty awesome! cash those puppies in! :silly: </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901538 Wed, 15 Oct 2014 08:54:41 +0000 ShootingStar 1901538@https://boards.hellobee.com/ <p>I would use the points now and then anything over the points use the credit card to get the cash back. Can't beat free right?</p> <p>For example, say you want to buy $100 worth of stuff. If you have enough points for your entire purchase, you've spent $0. On the other hand, if you spend $100 on your credit card with 5% back you'd get $5, so you've spent $95. Would you rather spend $95 or $0? </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901528 Wed, 15 Oct 2014 08:50:31 +0000 Adira 1901528@https://boards.hellobee.com/ <p>@cmomma17: I think so! With all the subscribe &amp; save items I purchase, I wrack up so many points during the year!! I can probably buy all (or at least most) of my Christmas items just using points! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901490 Wed, 15 Oct 2014 08:34:29 +0000 cmomma17 1901490@https://boards.hellobee.com/ <p>I would use the points up first, since it's basically free money!<br /> Do you have enough points to cover everything you want to get? </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901473 Wed, 15 Oct 2014 08:27:42 +0000 snowjewelz 1901473@https://boards.hellobee.com/ <p>I would use my points! I'm sure you will rack up new points for future too! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901436 Wed, 15 Oct 2014 08:05:15 +0000 artsyfartsy 1901436@https://boards.hellobee.com/ <p>I would use my points! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901430 Wed, 15 Oct 2014 08:03:18 +0000 BandDmommy 1901430@https://boards.hellobee.com/ <p>I would use my points. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901407 Wed, 15 Oct 2014 07:49:18 +0000 Radish 1901407@https://boards.hellobee.com/ <p>I would earn the 5% and use the points at other times of the year when budget is tight or I need an excuse to splurge. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901406 Wed, 15 Oct 2014 07:47:32 +0000 Mrs. High Heels 1901406@https://boards.hellobee.com/ <p>@Adira: Oh nice! If you have no other debt accumulating interest at higher than 5% that you're trying to pay off, and you're comfortable spending money over using points then personally, I'd do the cash back! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901394 Wed, 15 Oct 2014 07:36:57 +0000 Adira 1901394@https://boards.hellobee.com/ <p>@Mrs. High Heels: As far as I can tell, it's earning points on anything from Amazon! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901392 Wed, 15 Oct 2014 07:33:59 +0000 Mrs. High Heels 1901392@https://boards.hellobee.com/ <p>Is this credit card earning points for anything on Amazon? Sometimes it's only certain categories. If all the categories are eligible, I'd do the 5% cash back, then save my current Amazon points for later since I know I'll eventually shop at Amazon anyway! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901389 Wed, 15 Oct 2014 07:31:38 +0000 sapphire 1901389@https://boards.hellobee.com/ <p>Id use the card that gets you cash back and save up rhose points for Christmas! Otherwise you are using points without earning anything new! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901385 Wed, 15 Oct 2014 07:25:12 +0000 Adira 1901385@https://boards.hellobee.com/ <p>@Mamaof2: I usually save my points and use them all up at Christmas! But then I got this new credit card, so I wasn't sure what made more sense! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901381 Wed, 15 Oct 2014 07:21:54 +0000 Mamaof2 1901381@https://boards.hellobee.com/ <p>@Adira: oh I see what you mean. I would spend the points.</p> <p>Actually I spend my points every single month -I earn, I use them. repeat. </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901379 Wed, 15 Oct 2014 07:21:04 +0000 jhd 1901379@https://boards.hellobee.com/ <p>I would spend my points first to avoid spending any money! </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901378 Wed, 15 Oct 2014 07:20:24 +0000 Adira 1901378@https://boards.hellobee.com/ <p>@Mamaof2: haha, well I wouldn't earn anything if I was just using my points anyway! So it's more, does it make sense to spend the money to get 5% back? Or should I just use my points so that I don't have to spend any money? </p> https://boards.hellobee.com/topic/earn-cash-back-vs-save-money#post-1901376 Wed, 15 Oct 2014 07:18:16 +0000 Mamaof2 1901376@https://boards.hellobee.com/ <p>You only get 3% with amazon so I would do the 5% one! </p>