How to Earn Cash Back On Your Online Purchases | Refresh Financial

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How to Earn Cash Back On Your Online Purchases

EbatesOver three-quarters of all Canadians shop online and it’s pretty obvious why. Life just seems to get busier and busier and there seems to be less and less time to wander a retail store and pick out things we want or need. It’s much easier to sit at our computers at the end of the day and make the purchases we need to make.

You can also stumble into a bit of a danger zone with online shopping, though. The ease of use can lend itself to overspending - there’s even less thought put into things we buy online than there is impulse buys in person. You don’t have to talk to anyone, or swipe your card. One some sites, all it takes is just one click to spend hundreds or thousands of dollars.

Being diligent about self-control is very important - have checks and balances with your spouse or partner to ensure you feel accountable to someone. Force yourself to take a day to think each purchase over, but when you do want or have to make a purchase online, you should make sure you’re earning money back while you do it.

There are a couple of great ways to ensure you’re earning cashback on all of your purchases online:

Get a cash back rewards credit card

One such card is offered by Amazon.ca. You can earn 1-2% cash back on your purchases made with this card. These rewards are not limited to just shopping online - you can also earn cash back on any expenses you use your card for. You also have the added bonus of boosting your credit score by using this card. All you have to do is ensure you keep your balance low and pay your minimum payment (or more) on time every month. With cash back and boosted credit, this is a great way to earn money back on your purchases.

Ebates.ca

This is one of those things that seems almost too good to be true, but it’s not. It’s actually true and it works. All you have to do is start at the ebates.ca website when you want to shop online at any of your favourite online stores, and watch as your cash back adds up. They will then send you your cash back earned via PayPal or cheque. How this works, is that Ebates.ca acts as a sort of affiliate for these stores - that means they get a commission if you shop there using their referral link. When they get the commissions from the sites you’ve shopped at, they share the proceeds with you.

Even if you’re very self-disciplined with how you spend your money, chances are you probably still have to shop online from time to time, so why not earn while you do it?

If your credit is suffering and you're not able to shop online using a credit card, consider making use of Refresh Financial’s credit building programs. It costs you nothing up front and your credit will see noticeable boosts in mere months. Click here for more information.

Have you tried Ebates.ca or cash back rewards credit cards? What did you think of them? Let us know in the comments!

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