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Stop Spending Your Amazon Reward Points on Purchases for Better Cash Back

Example of Amazon Visa Cards
Amazon

It’s so very tempting to make use of your Amazon Rewards issues to shop for issues on Amazon—finally, the volume you’ve gotten is proven to you proper there within the checkout procedure. However spending your issues on purchases is a positive approach to lose cash.

How do you lose cash through the usage of your rewards on purchases? Since you handiest get cashback whilst you use your card, no longer whilst you use your issues. Right here’s what that appears like in observe.

Let’s say you’ve gotten the an identical of $100 value of Amazon issues, and you wish to have to shop for one thing that prices $100. Within the first state of affairs, you utilize no issues, and you set the acquisition to your Amazon Visa or Amazon Top Retailer card. For doing so, you get five% again (the top cashback on Amazon-based purchases is the largest perk of the usage of certainly one of Amazon’s playing cards). The efficient value of the product $95.

In the second one state of affairs, you utilize the $100 value of issues to pay for the $100 merchandise. It’s possible you’ll assume, “Sure! This $100 product is unfastened as a result of I’m the usage of my issues!” however right here’s the sneaky trick they play on you: the usage of the issues doesn’t generate cashback. The $100 product is $100, and also you lose out at the $five you’d get as a cashback praise—and the cashback is most likely the entire explanation why you were given an Amazon card within the first position.

The good factor to do? Don’t let the fun of having one thing for “unfastened” get the easier of you. As a substitute, acquire the article along with your Amazon card, then log into your card account. There, each and every billing cycle, you’ll follow the amassed cashback get advantages to both your commentary stability or have it deposited into your checking account—each significantly better choices than lacking out on it altogether.

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