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Get PAID to Shop: Receive Cash Back from Using Your DEBIT Card

This post is from my other half, Greg. He’s very much into investments and financial goals, which are weaknesses of mine. :D

If you were to ask yourself, “How could I make getting great deals even better?” the answer would be: Getting paid to shop! You may think it’s too good to be true, but I’m sure you thought the same thing about all that free toothpaste you now own. ;)

We are serving up a three-part series of easy ways to get paid for doing your routine shopping.

We all know of credit cards that offer a cash back percentage, but sooner or later they are going to hit you with interest. It could be because you are running a balance, an insane late fee if you’re a few days past due, or simply an annual fee.  The net-net is they’re going to get it back and then some.  You’re not getting ahead.

Perkstreet Financial is different.  It offers a debit card that gives 2% cash back on all charges, and after 3 months you’ll get 2% or 1% cash back depending on how much money is in your account.  It is a fully functional FDIC insured online bank with free checking and online bill pay.  I have been using them for over a year without any hassle or ‘ninja fees’. You know, those sneaky little withdraws that have vague descriptions like ‘account maintenance fee’ as if my checking account needed landscaping or something.

The account minimum is $25.00, and they will send you and ATM/Debit card. When you use it on purchases, you will receive 2% cash back towards a variety of gift cards including Mastercard, Best Buy, Ticketmaster,, GAP, Target, and more. Just make sure when you make your purchase you run the transaction like a credit card.  That is, if you use your pin like at an ATM you won’t receive cash back.

Quick Tip: We learned if your card automatically runs as a debit, simply hit the cancel button when it asks for your pin number and it will run as credit! ;)

Deposits are easy too.  You can link your Perkstreet account to an existing bank account, establish direct deposit, or even mail checks using postage paid envelopes sent to by Perkstreet.

I can certainly speak from experience here, that 2% does add up plus you break the nasty cycle of credit cards. You can keep on your budget because you can only spend what you have in the account.  I put myself in the habit of every month moving a fixed amount of money into my Perkstreet account, and when the money was gone, so was my spending for the month. Doing this religiously has dropped a huge amount of credit card debt I’ve compiled through the years.

A few more added perks and pointers:

Each month, Perkstreet gives you 5% cash back on a special category. In the month of May, for instance, you get 5% cash back on any Groupon, Living Social, or Zulily purchases.
It’s like they know me! <– Note from Jasmine ;)

They are able to give so much cash back because they don’t have physical branches. Instead, they focus on super fast phone service, a large amount of ATMs nationwide, and of course rewards their customers.

I’ve had Perkstreet for 2 years now, and have no complaints.
It’s made me a smarter, budget-conscious shopper.

:: Are you using Perkstreet or have you heard of Perkstreet?

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Get PAID to Shop: Everything you Need to Know about Ebates

If you were to ask yourself, “How could I make getting great deals even better?” the answer would be: Getting paid to shop! You may think it’s too good to be true, but I’m sure you thought the same thing about all that free toothpaste you now own. ;)

We are serving up a three-part series of easy ways to get paid for doing your routine shopping.

Cash back sites are awesome, and once you start using them you can’t imagine online shopping without them. My personal favorite cash back site is Ebates.

How Does Ebates Work?

When you shop through Ebates, they will credit you a specific percentage of cash back on your purchase. Most cash back rewards are credited within 48 hours. These aren’t credits or rebates or anything like that, it’s cold hard cash. Every 3 months, they send you a cash back payment for purchases posted during the previous quarter based on the schedule below.

They will send your cash once you’ve earned a minimum of $5.01 cash back. If you’ve earned less than $5.01 cash back, they’ll carry over your money to the next check, so you’ll never lose any cash back! Bonus Rewards do not count toward the $5.01 minimum.

There’s three different ways you can get your cash:

1. Big Fat Check: They send a check directly to you, and they handle any mailing fees.

2. PayPal: They can deposit your payment in your PayPal account, and they handle any sender’s fees.

3. Charity/Organization/Family Member: You can send your cash back to your favorite charity, organization or family member? It’s free and mailing fees are taken care of by Ebates.

Every little bit counts when it comes to saving money. Here’s some examples of cash back you can get:

eBay 1.0%-4.0% Cash Back :: I know many of you order coupons from eBay!
Target 3.0% Cash Back
JCPenney 6.0% Cash Back
Overstock 1.5%-4.5% Cash Back 10.0% Cash Back
Kohls 4.0% Cash Back
Walmart 2.0% Cash Back
Macys 5.0% Cash Back

Whenever a holiday is around the corner, Ebates goes all out with double cash back at popular stores. Sometimes it will be even more! I received 50% cash back on my Entertainment Book order!

I use cash back sites for every single online purchase I make.

Any online deals I post on Dealicious Finds will have a friendly reminder to get your cash back.

If nothing else, you should definitely use it on big purchases. We needed to buy a new washer and dryer last year. After browsing around in various stores, we found a set we liked at Sears. I rushed home, logged into Ebates, and got some nice cash back on that purchase! ;)

Getting Started with an Ebates Account

Ebates is completely free to use and it’s free to sign-up.  In fact, when you sign up they will give you a $5 sign-up bonus.

Once you have made an account, you can start earning cash back. Ebates gives cash back to over 1,200 stores, so it’s very likely that you can earn money from stores you regularly shop. You can either click the “All Stores” tab on the left side of the navigation to browse the stores or simply starting typing in the store you want cash back on in the search bar.
Feel free to click on the image below for a larger size so you can see the areas I’m referring to.

Next, you can scroll down on the store you picked to see if there are any coupon codes you may want to use. Once you are ready to start shopping, click the big orange “Shop Now” button.

The image below will pop up on your screen. This is how you know Ebates will be tracking the amount your purchase. It takes around 48 hours for most rewards to show in your account.

The entire process of going through a cash back site is simple and painless. It takes about 5 seconds to log in and click through to the store you want. I hope this step-by-step tutorial and explanation of all thing Ebates will help you earn some cash.

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