Tag Archives: Target

Cash Back Websites That Are For Real!

Lets get back to my favorite cliche; Black people don’t play when it comes to money! So one of the things you need to know is what websites are for real when it comes to getting cash back.

The bottom line is, who is being real about giving you money back? Rather-Be-Shopping writer Kyle James researched and ranked cash back sites that are for real when it comes to getting you money. James checked out the dirty details of some of the most popular cash back sites to show us the ones with the best rewards program or the biggest payout. So lets begin.

TopCashBack

topcashback_logoTopCashback.com touts itself as “USA’s Most Generous Cashback site.”  According to TopCashBack they have over six million members around the world and guarantee the highest cash back. Quite a claim.

TopCashBack is fairly easy to work with. First of all  you can join for free then you start shopping at their website, or via their mobile app, and leave the rest to them. Once you make a purchase your account will get a percentage of cash back in seven days and a confirmation email.

TopCashback offers cash back rates higher than even Ebates.  And you can withdraw your money anytime you want since TopCashBack has no minimum required on withdrawals.

Another thing you probably want to know is who are their merchants and how much money can I get back? Here is a list of their top merchants. Amazon up to 10% back, Groupon up to 10% back, Walmart up to 6% back, Lowe’s 6% back, Gap brands 8% back, Macys.com 8% back, American Eagle 6% back, Overstock.com 5% back.

Get the TopCashBack app for Apple here. For Android click here.

ibotta

ibotta

With ibotta you can forget points or credit. You get your money via PayPal or you can buy a gift card with the cash back. And it works with any product. You start by downloading the app. Then activate rebate offers and redeem them on the things you buy daily. You know simple stuff like bread and milk, vegetables, snacks, beer, wine, and even ice cream. How easy is it to make money with this app? As easy as a selfie!  After you buy your stuff just take a picture of your receipt with the app and wait for the cash to rain into your account. Pays more than a selfie don’t it? Truly, the number of cash back offers makes the app special. And here is a little something extra; click here to give ibotta a try and score a $10 bonus once you redeem your first rebate.

ibotta has hundreds of partners that include, Walmart, Target, Rite-AidWalgreens, CVS, Sam’s Club, Safeway, Dollar General, Whole Foods Market and many, many others. To see the whole list click here.

Download iBotta for Apple here. And for Android click here.

SwagBucks

swagbucks

This site boasts 3,000+ partners, How’s that for a start? SwagBucks is a website that allows you to earn “SwagBucks” that you can use to get free gift cards and the much beloved cash back. Here’s what you need to know.

You earn SwagBucks by shopping online using the SwagBucks search engine. You watch sponsored videos, complete surveys, play online games like Deal or No Deal and Bejeweled 2. These activities allow the shopper to earn SwagBucks for gift cards from merchants like Amazon and Starbucks. And if you earn 5,000 points you can score a $50 ExxonMobil gift card. You can rack up SwagBucks fairly quickly. For example one SwagBuck equals one cent so 100 SwagBucks adds up $1.00. Lets do the math; if you can shoot for 100 SwagBucks a day that equals a $10 Amazon gift card per week. Nice! You can also get a PayPal cash card for your SwagBucks.

This link will show you how you can earn a $50 Amazon gift card every month from SwagBucks.

SwagBucks app for Apple here. For Android click here.

BeFrugal

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This site guarantees the highest cash back rates. That should interest you especially if you are a Walmart customer. And who isn’t? Walmart customers can get as much as 4% cash back. But lets not stop there! BeFrugal will not only match any competitors cash back rate, but they’ll “match 125% of the higher cash back rate.”  BeFrugal also guarantees that every coupon they post will work. If you find one that doesn’t they fork over $5 to you. And if you redeem your cash back with a Amazon gift card you get an additional 3% cash back. The icing on the cake is BeFrugal has over 5,000 merchant partners.

You’ll find that BeFrugal just doesn’t have the name recognition and notoriety of Ebates or SwagBucks. But don’t shy away from any company that works this hard to get cash back in your pocket. BeFrugal also offers a generous $10 bonus for new members. And lets be real, how can you beat a company who’s tagline is, “We are a bunch of cheap, thrifty, penny pinchers who believe that a dollar saved is two dollars earned.”

Ebates.com

ebates

Ok, Ebates has been around since the late 90’s. Thats pretty much the birth of the Internet if my calendar serves me correctly. So that makes them the oldest cash back website.

Ebates has over 2,000 merchant partners and if you like shopping at JCPenney then you can get as much as 12% percent cash back. Other partners include Kohl’s, Nordstrom, Target and Macys.com.

This site works by having you shop online through their site and click through to the store you want to shop at. Ebates keeps their site up to date with money saving coupon codes.  Their site is newly designed to make it easier to use and intuitive. Basically you won’t need a tech degree to use it. Ebates also offers a strong sign-up bonus of $10 which will get credited to your account when you spend $25 at any of its merchant partners.

Ebates app for Apple is here. Click here for Android.

Mr. Rebates

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Mr. Rebates has 2,000 retail partners and has been in business since 2002.  One of their unique selling points is the “Store of the Week” which offers a really nice wad of cash back for a limited-time. Once Nike was the “Store of the Week” and offered 15% cash back up from the normal 4%. Don’t miss the “Store of the Week” sale because their cash back percentage is sick! I mean its outrageous and you’ll be sorry you missed it.  How do you not miss it?  Just sign-up and get their newsletter via email and you’ll know what  stores they’re currently featuring. Then sit back and wait for your favorite store to be featured. Don’t sleep on this one.

Finally, Mr. Rebates does not have a mobile app or a sign up bonus, But you can get your money via check or PayPal. But there is a $10 minimum.

Main Street SHARES

mainstreetshares

Maybe you remember BigCrumbs.com? I don’t but thats not important. Well they have changed their name and their game. This company takes cash back to the next level by letting you buy into the company itself! Wait…what? Yes, you can buy your way into the company!

MainStreet Shares has 2,000+ partners including Dell computer, Sears and Walmart. The company uses pretty much the same cash back model as the others and pays its users monthly via PayPal. They have no mobile app or sign up bonus.

But they do have a new way to get you some money. As I said you can buy into the company. Here’s how; After you register for free, you’ll earn a commission when shopping and receive “virtual shares” or msSHARES.  As the owner of these msSHARES you get paid back when MainStreetSHARES is acquired (bought out) by a larger company. According to their website, “MainStreetSHARES is the only program that shares everything with its members.” The company is contractually bound to set aside at least 50% of the net cash proceeds for members to share. The company  believes they will be ready for purchase within the next two years. This is where the expression “getting in on the ground floor,” comes from.

Now you’re gonna ask, how much money can I make on this deal? The website explains it best. According to Main StreetSHARES a $1 billion selling price shakes out like this.  “If the net cash proceeds to MainStreetSHARES from a sale is $1 billion, then MainStreetSHARES will set aside $500 million (50% of $1 billion) for members to share. If Sally has earned .01% (one hundredth of one percent) of the total msSHARES earned by all members, then Sally will receive .01% of $500 million, or $50,000.” You like the sound of that don’t cha!

Other cash back sites you may want to have a look at;

ShopatHome.com

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MyPoints.com

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MyPoints offers different ways to earn points, many don’t even require you to shop at all. You can also redeem points for airline miles and hotel bookings or redeem your points for cash via PayPal.

CouponCabin

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CouponCabin has a lot of “Exclusive Offers” that have a higher, limited-time, cash back rate. It looks like some of these offers are only good for 24 hours and some are only good for a certain number of redemptions.

CouponCactus

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Now you know.

App of the Week – Blink Health

BlinkThe greatest travesty of living in America is the cost of health care.  Far too many people simply suffer because that can’t afford to see a doctor or pay for medication.

Even with the Affordable Care Act (ACA) many black people are still uninsured. According to the Pew Charitable Trusts  over half of  all African-Americans, 55 percent,  live in the 23 states that have not expanded Medicaid eligibility under the ACA. The numbers are not much better for other groups. The Urban Institute reports that by comparison, 42 percent of whites, 38 percent of Latinos and 23 percent of Asians live in states that have not expanded to the ACA standards.

Even worse in non-expansion states a disproportionate number of African-Americans fail to qualify even for the narrower Medicaid program in place now. The result is that far too many black people have little or no medical or prescription coverage.

 That is why Blink Health is the App of the Week.

According to Blink Health as much as 30 percent of all medications are left on the pharmacy counter for one simple reason; the patient can’t afford them.

Blink Health co-founder and chief operating officer Matt Chaiken says people wrongly assume that if they have insurance they also have prescription coverage.  “There’s a common misconception in this country. Patients believe that, because they’re covered by insurance, they’re paying the lowest price at the pharmacy counter. This is not the case.”

Blink says it can offer lower prices on more than 15,000 mostly generic medications for less than $10. These price reductions are made possible because of the purchasing power of the combined membership of Blink Health and partner company MedImpact. The list of pharmacy chains that accept Blink Health includes Walmart, CVS, Rite Aid, Walgreens, Target, and many others

The BlinkHealth app allows the user to enter the name of their medication, dosage and quantity and the app will return a price quote. The user can pay for the prescription online. After the prescription has been paid for the app issues a proof of purchase known as a  “Blink Card” directly to the users phone. The user can then go to the pharmacy with their prescription and show their Blink Card. As long as they have a valid prescription from a physician the prescription will be filled. Nothing is paid at the pharmacy.

BlinkHealth is free and available for both and Apple and Android devices.

App of the Week – Earny

earny_LEverybody shops online. Black people especially enjoy the power and convenience of e-commerce. But shopping online has one big drawback and that is buying something only to discover it at a cheaper price later or at another website. That is why Earny is the App of the Week.

Earny allows online shoppers to get a better price by finding the item you purchased at a cheaper price and then getting you a refund for the difference. Yeah, you read that right! Earny will get some money back for you. Not only that but you pretty much don’t have to do a thing.

The app tracks your online purchases and finds your e-receipts by connecting with your email and Amazon accounts to see if you got the best deal. If Earny finds a lower price it will request a refund for you and take a 25 percent cut of the action. The balance will be credited back to your payment card. Yeah, you read that right! Earny automatically tracks your purchases and files for refunds or credits when it beats the price you paid.

Earny is programmed to understand the price match policy of online stores and knows how to file claims without any help from you. Think of it as a robot refund machine.

Earny can track purchases from over 50 stores including such giant retailers as Amazon, Target, Walmart, Best Buy, Nordstrom, and many others. Is this the bomb or what?

Earny is about to get a lot better according to co-founder Oded Vakrat.  Vakrat plans to provide consumers with the same protections across a variety of services.

“For example, flight tickets, hotels, car insurance, health insurance, phone plans – all those things we will focus on in the future,” he says. “We want Earny to watch your back for every payment you make,” adds Vakrat.

Earny is free and available at Apple and the company is developing an Android version.

Breach Brief – Gmail, Hotmail, Yahoo Email

gmailIts likely that you have either a Gmail, Hotmail or Yahoo email account. Its also likely that it has been compromised.  According to Reuters over 270 million stolen Yahoo! Mail, Gmail, Hotmail and other email account credentials are floating around in Russia’s cyber criminal underground. Email credentials are your username and password.

These stolen email credentials were discovered by Hold Security. Researchers discovered a Russian hacker going by the name of “the Collector,” saying that he was ready to give away the credentials.  “The Collector” offered the credentials to cybercrime expert Alex Holden for free just for the publicity. Holden previously uncovered breaches at Adobe, JP Morgan and Target.

The total haul of the theft was estimated to be over one billion records but the security company eliminated duplicates lowering the total number of  credentials to just 272.3 million.

Yahoo mailMost of the credentials were associated with the Mail.ru service. Email credentials from Germany and China were also found among the stash.  However a significant number belonged to U.S. email providers. The remaining stolen credentials breakdown as follows, Yahoo Mail, 40 million credentials stolen; Microsoft Hotmail, 33 million; and Gmail 24 million. It’s not known if any of these accounts have actually been breached.

The most frightening detail of this breach is that many of the emails are linked to employees of some of the largest U.S. banking, manufacturing, and retail companies. Hold Security has informed the affected companies and organizations.

Hotmail-logoIf you have a Gmail, Yahoo or Hotmail account you should immediately change your password. Experts also recommend that you set up two-step verification on your email accounts. Gmail, Yahoo and Hotmail all offer two factor authentication that sends a second password to your smartphone when you sign in.

Officials at Yahoo and Google have yet to issue a statement about the breach. Microsoft said through a spokesperson that the stolen credentials are an unfortunate reality but that it had measures in place to detect account compromise.

 

Technology’s Dirty Secrets Series – E-Waste and Technology Pollution

WEEE-Dump-in-GhanaTechnology makes our lives easier. But the world we live in has hidden corners where others suffer for our easy life.  E-waste and  technology pollution is wrecking the environment especially in third world countries. Some countries on the African continent are poisoned and polluted by the technology industry we hold so dear in the United States and the western world. This is the dirt and blood that coats the billions of dollars made manufacturing, selling and disposing of technology. In this series the African-American Cyber Report will expose the dirty secrets of the technology industry. In this third and final article of this series we examine the practice and victims of electronic and technology waste disposal.

The explosive growth of the electronics and technology industries has also sparked a tragic onslaught of electrical and electronic waste (e-waste). In 2012, the United Nations reported that in five years, the world’s electronic waste would grow by 33% from 49.7 million tons to 65.4 million tons.

The third world industry of recycling the valuable elements contained in our e-waste such as copper and gold is both a source of income and illness and death in developing or emerging industrialized countries.

Impoverished people are using crude, even primitive techniques to harvest valuable metals from discarded electronics. One technique used is burning cables to get at the cooper wiring. This method exposes children, adults and even entire families to a range of hazardous substances.

According to the World Health Organization (WHO) these children and families suffer from e-waste-connected health risks as a result of direct contact with harmful materials such as lead, cadmium, chromium, brominated flame retardants or polychlorinated biphenyls (PCBs) because they are inhaling toxic fumes.

Not only is the air they breath severely polluted but so is the very ground they stand on. Because of our electronic waste dangerous chemicals pollute the soil, water and food. Recycling industries where workers dismantle electrical equipment with little or no safety precautions also pose the threat of injury.

One of the most polluted places on earth is Agbloboshie in Ghana’s capital of Accra. According to the Green Cross Switzerland and the Blacksmith Institute  Agbloboshie is one of the 10 most polluted places in the world, thanks to toxic fumes, which are a result of consistent dumping of electronic goods.  Agbloboshie has been Western Europe’s dumping ground fordiscarded electronic goods for more than twenty years.  About 215,000 tons of second hand consumer items land in Agbloboshie every year, generating 129,000 tons of electronic waste.

“We estimate that the health of more than 200 million people is at risk from pollution in the developing world,” said Richard Fuller, who heads US-based environment watchdog the Blacksmith Institute.

African nations are not alone as they bathe in the west’s e-waste. Indonesia’s Citarum River Basin in West Java is home to about nine million people and 2,000 factories. The river, source of drinking water and rice farming irrigation,  is contaminated by a wide range of toxins, including aluminium and manganese and tests have shown lead at levels more than 1,000 times above U.S. standards.

American’s fail to understanding of what some parts of the world is going through as we enjoy the age of technology.

A report from the the U.S. Government Accountability Office is a clear indictment of the way Americans dispose of electronic waste. American electronics recyclers appear to be shipping used equipment containing CRTs (cathode ray tubes) overseas in violation of U.S. Environmental Protection Agency regulations.  But even worse is the fact that the agency’s regulations cover only the export of used and discarded CRT monitors, not other electronic equipment. So whatever e-waste we can dump on the third world is fair game.

Only 25 percent of  U.S. generated e-waste is recycled. The other 75 percent goes straight to American landfills or third world nations.

The U.S. is shipping used electronic devices containing toxic substances overseas and there are few if any laws to protect these people and the environment in those countries, according to a government auditor’s report.

“Concerns have grown … that some U.S. companies are exporting these items to developing countries, where unsafe recycling practices can cause health and environmental problems,” the GAO report said. “Imported used electronics that cannot be repaired are often recycled in developing countries by crude and inefficient means and with virtually no human health or environmental protection.”

According to the GAO 20 percent of discarded electronics from the U.S. would add up to 66 million pounds of e-waste being shipped overseas each year. This wastes ends up in places like Agbloboshie.

So how do you dispose of electronic products?   Check the EPA’s website or the Electronics Take Back Coalition for  information about e-Stewards, which are responsible recyclers of electronic waste. If you can’t find and e-Steward near you check the manufacturer’s website or store recycling programs. For instance, Staples and Best Buy both have recycling programs.

There is also a thriving industry in the U.S. that buys old electronics or take trade ins. These include websites like Gazalle.com and BuyBackWorld.com. And for the record you can find electronic buy back programs at Walmart and Target stores.

 

 

 

 

SCAM ALERT! $200 Nordstrom Gift Cards – SCAM ALERT!

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Fake Nordstrom Gift card offer

Users of Facebook and other social media sites have been sharing various versions of a fake Nordstrom gift card offer. The ad claims that Nordstrom was offering a $200 gift card to Facebook users who “referred three friends” to the promotion. Its a scam.

Social media users encouraged to click on the ad that takes the victim to a fake Nordstrom website that uses a web address variation on nordstrom.egiftcards.co. Here’s a tip; web users need to be aware that duplicate websites that actually belongs to cyber criminals are a common tactic. These websites are often perfectly counterfeited.

Instructions in the ad are as follows; 

To Celebrate Valentines Day Get a Nordstrom $200 Gift Card

Simply Invite 3 Friends to Get Your Gift Card
After 3 Friends Click Your Link.
Get Your Gift Card Instantly!

Although the fake webpage in question doesn’t look like other popular Facebook coupon scams it did display a rapidly decreasing number of “available gift cards.” Here’s another tip; cyber criminals often use tactics that increase urgency in the victim. Making you believe that you may lose out on a good deal causes you to act quickly. 

Facebook is a hotbed for coupon and gift card scams. Popular retailers impersonated on the social media website include Kohl’sCostco, Home Depot, Lowe’sKroger, Best Buy, Macy’s, Olive Garden, Publix, Target, Wegmans, and Walmart.

Nordstrom is aware of the scam and offered this statement; “You’re correct, this is a fraudulent promotion as it is not affiliated with Nordstrom and we are not sponsoring any giveaways of gift cards. We recommend not clicking the link or entering any personal information. Our team is actively working to make customers aware of the situation and apologize for any confusion.”

In 2014 the Better Business Bureau published an article advising social media users on how to avoid survey and coupon scams. The BBB warns;

  1. Your eyes will deceive you. Cyber criminals know how to impersonate websites perfectly. Scammers can also make links look like they lead to legitimate websites and emails appear to come from a different sender. This is called spoofing. Use your cursor and hover over links and carefully examine the address that pops up. These are often very clever. www.nordstrom.com is easily confused with www.nordstrom.ru.
  2. Legitimate businesses do not ask for credit card numbers or banking information on customer surveys. If they do ask for personal information, like an address or email, be sure to carefully examine privacy policy. Do not provide anyone else’s email or personal information. You could be providing more victims.
  3. Do your homework. If the offer is a scam, you may find alerts or complaints or warnings from other consumers and retailers online. The organization’s real website may have further information. Also there are plenty of legitimate coupon sites you can search for good deals and gift cards.
  4. If it sounds to good to be true then it probably is. Always keep that in mind.

Breach Brief – Wendy’s, Centene

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January 29, 2016

Wendy’s

Yet another point-of-sale system appears to have been hacked. Wendy’s fast food restaurant reports that its POS system has come under suspicion for a possible breach of customer card data.

Wendy’s spokesman Bob Bertini said, “We have received this month from our payment industry contacts reports of unusual activity involving payment cards at some of our restaurant locations. Reports indicate that fraudulent charges may have occurred elsewhere after the cards were legitimately used at some of our restaurants. We’ve hired a cybersecurity firm and launched a comprehensive and active investigation that’s underway to try to determine the facts.” Bertini did not name the security firm that is working with Wendy’s

According to Krebs on Security the first reports of the suspicious activity on customer’s cards came from financial institutions in the mid-west. However reports have begun to surface from banks on the east and west coasts. Currently there is no information on how many restaurants are affected.

Krebs On Security first reported the incident and believes that the restaurant’s POS system may have been infected by malware that collected credit card numbers. Wendy’s is not alone when it come to this type of attack.  Other restaurants and retailers hit by this style of attack include Jimmy John’s, Landry’s, P.F. Chang’s, Dairy Queen, Chick-fil-A, retail giant Target and Home Depot.

Wendy’s operates approximately 6,500 franchise and company-operated restaurants in the United States and 28 countries and U.S. territories worldwide.

Centene_Corporation_Logo.svg

Centene

The health insurer Centene is desperately searching for six hard drives that contain the personal information of over 1 million of its customers. The company has admitted to an “ongoing comprehensive internal search” for missing hard drives. 

St. Louis based Centene said the missing hard drives contain personal data about people who received laboratory services between 2009 and 2015. The drives contain patient information including names, addresses, dates of birth, social security numbers, member ID numbers and health information. According to Centene CEO Michael F. Neidorff, the company doesn’t believe the information has been used “inappropriately.”

Customer affected by the data loss will receive free credit and healthcare monitoring. 

The healthcare industry continues to be plagued by massive data breaches. For more on this topic please see;

Large-Scales Hacks Cause 98% of Leaked Healthcare Records.

Over 113 Million Healthcare Records Breached in 2015, Up Ten Fold from 2014

One in Three Americans are Victims of Healthcare Data Breaches

Identity Thieves Pray on Patient’s Medical Records

App of the Week – HeartThis

163901-9e310a0a4f0a82a5101c5c254f62e9ec-medium_jpgWhen it comes to shopping online the African-American shopper is ready, willing and able. A new study of African-American consumers revealed that black people use mobile devices for shopping more than the general population. African-American shoppers are leading the way when it comes to using their mobile devices to shop according to Target Market News. African-Americans use smartphone and other mobile devices to comparison shop, price match, and research product details.  Black people take their product research to the next level by also investigating the product in the store and are actually more likely to buy online.That is why HeartThis is the App of the Week.

HeartThis shopping app allows the user to shop more than 330 stores.  The store available include Dillard’s, Nordstrom, Kohl’s, J. Crew, Target, and others. Not only can you shop but the app also shows you if there are any promo codes available to save you a few additional dollars.

To get started with HeartThis, the user selects their favorite stores and categories of apparel including active wear, shoes, bags, accessories or swimwear. This creates a customized feed of items in a Pinterest like layout. The user then “hearts” the items they like adding it to their collection. If the user decides to buy the item they can do so with a tap of the “Buy” button that directs them to the retailer.

HeartThis is different from its mobile shopping app competitors because it doesn’t just offer high-end stores. The app is also helpful to the online budget conscious shopper by providing an alternative way to shop from mainstream stores like Target and those at your local mall and online retailers like Amazon and others. Budget shoppers will appreciate HeartThis’s ability to track down promo codes saving them time hunting for the best deal.

HeartThis is free and available on Apple.

App of the Week: Cash Dash

FindSave-app-for-iPhone-and-Android-phonesIts the holiday shopping season and as I have said before merchants are waging all out war for your shopping dollars.  Wal-Mart is matching Amazon.com’s and pretty much everybody else’s online prices. Price matching is a common weapon retailers aim at each other.

The app of the week is Cash Dash and it is the latest weapon in the retail arms race. Wanderful Media, creator of the couponing app Find&Save that located coupons for stores near you has announced they have a new twist on the concept. The Cash Dash app basically lets retailers push promotions at you the minute you walk into a competitor’s store or even get close to one.

It really pretty simple; lets say you’re at Wal-Mart, Target would use the app to offer you a $25 incentive to visit one of its stores within 24 hours. This is retail war and the goal is to steal shoppers away from the competition. “When you’re walking into a Home Depot on Saturday morning, your intent is clear,” says Ben Smith CEO of the company. “You’re in home repair mode. That would be a very valuable audience for Lowe’s.”

The app uses your smartphones GPS location to track you. But instead of offering coupons at the store you are shopping at the app tries to send you to the competition. If you accept the offer and make a purchase you submit a photo of your receipt using the Find&Save app. The cash reward goes into your PayPal account. According to Smith the next version of the app will connect to users’ credit cards, and subtract the dollar amount automatically from the purchase.

CashDash has only been available for three weeks and already some 50 retailers have jumped on board. Retailers such as Walgreens and Macy’s, are spending the money to send these notifications and poach the competition. Over 100,000 alerts have been issued since the app launched. Smith claims that about 30 percent of shoppers who receive an alert actually click through and accept it.

Cash Dash has even changed how users feel about having their location tracked. Before the app was introduced only 20 percent of users opted into geolocation. That number has now reached 80 percent. 

The only drawback to the use of the app is the competition’s store may be too far for the shopper to visit. Experts believe that the app would work much better in densely populated areas where the competitor’s store is easier to reach. But the cash incentive could make the drive more palatable.

Retailers are at war and you win anyway you look at it. Cash Dash is available for Apple and Android.

Online Holiday Shopping Series #4 Price Matching

canstockphoto15776464Nothing is more frustrating than buying something and discovering later that another store has it for less than what you paid. And you know its going to happen sooner or later. Most of the great shoppers know how to go back to the store and ask for a price match. Most stores will give you a refund for the difference. This is especially true during the holiday season.

Being a great shopper means never having to pay too much. Price matching has become a powerful tool for many stores who want your business. African-American spending power has passed $1 trillion in the last year. And you better believe that retailers want a piece of that action. As an savvy consumer you ned to know who is doing price matching and how long you have to take advantage of it. You also need to pay attention to Black Friday prices and Cyber Monday as well. Some of these stores will price match even those ultra low prices. And what is really awesome is that you can get that a price match as much as 30 days after you make the purchase. So after you buy that killer microwave oven or flat screen television make sure you keep an eye on the sales. You might have a few dollars coming back at you.

Here is a list of stores that offer price matching and how long you have to get that money back.

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Abercrombie.com (14 days)

  • You have 14 days from date of purchase to get a price adjustment if price is lowered.
  • From their website, “For orders shipped to the US and Canada, we are happy to process a price adjustment for you if we reduce the price of any merchandise (in the same color and size) that you have ordered from us within fourteen (14) days from the date that you submit your order.”
  • Item must be purchased at the original price. This means you can’t get a price adjustment on a marked down clearance item.
  • Will it Work on Black Friday/Cyber Monday: Yes, as long as your purchase is within 14 days.

 

Amazon.com (7 Unknowndays)

  • While Amazon.com does not advertise a price protection policy, I have it on good authority that you can successfully request one within 7 days of your purchase if the price is dropped.
  • I actually called and spoke with a customer service rep and was told I would have 7 days to request a price adjustment.
  • Price adjustment excludes items sold by an Amazon 3rd party.
  • Simply call Amazon customer service at 1-888-280-3321 to request your price adjustment.
  • Will it Work on Black Friday/Cyber Monday: Definitely worth a try. The rep I spoke with didn’t know for sure which was hilarious.

 

Unknown-1Ann Taylor (14 days)

  • Price adjustments are not eligible on special promotions, including %’s off (e.g., 25%, 40%, and 50% etc.) and $’s off.
  • One price adjustment for merchandise purchased at full-price, which has been marked down for the first time, may be made within 7 days from the original date of purchase.
  • Ann Taylor stores are not able to process price adjustments for online orders.
  • Will it Work on Black Friday/Cyber Monday: No.

 

UnknownAnthropologie (14 days)

  • When you buy in-store, or online, you can get a 1-time price adjustment within 14 days of purchase if the item is now on sale.
  • From their website, they “do not offer price adjustments on shipping charges at this time.”
    • Will it Work on Black Friday/Cyber Monday: Yes, as long as       your purchase is within 14 days.

 

Banana Republic (14 daBanana-Republic-Logoys)

  • Just return to your local Banana Republic within 14 days of your purchase (with your receipt) if the item you bought is lowered in price.
  • To obtain a price adjustment on an online purchase call 1-800-GAPSTYLE or send an email message to custserv@gap.com within the 14 day window.
  • Stuff bought with a promotional discount or coupon aren’t eligible for price adjustment.
  • No price adjustments allowed on clearance items.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

Best Buy (15 days)best-buy-logo

  • From the Best Buy website, “If we lower our price during the return and exchange period (15 days), we will match our lower price, upon request.”
  • Just keep your receipt and head back to the store to get the lower price.
  • For online purchases, call them at 1-888-BEST BUY (1-888-237-8289) and request your price adjustment.
  • Will it Work on Black Friday: No.

 

the-childrens-place-logoChildren’s Place (7 days)

  • The Children’s Place has a very clear 7 day policy.
  • Item must be originally purchased at full retail price.
  • Sale and discounted items are not eligible.
  • Online orders cannot receive price adjustments in brick & mortar stores. Instead, call them at 1 (877) 752-2387 to get price adjustment.
  • Will it Work on Black Friday/Cyber Monday: Yes, as long as your purchase is within 7 days prior.

 

Costco (30 days)Costco-Logo

  • Costco has a very nice price adjustment policy of 30 days.
  • Just bring your receipt back in within 30 days and get your price adjustment.
  • If for some reason your Costco does not allow a price adjustment, just return the item and re-buy it at the lower price.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

250px-Dick's_Sporting_Goods.svgDick’s Sporting Goods (14 days)

  • I called my local Dick’s Sporting Goods and spoke with a manager and was told I would have 14 days to get a price adjustment on an item that I bought which then came up for sale in their ad circular after my purchase.
  • Be sure to return to the same store (with receipt in hand) that original purchase was made for best results.
  • For a price adjustment on an online purchases call them at 1-877-846-9997.
  • Will it Work on Black Friday/Cyber Monday: Yes, definitely worth a shot.

 

o.jpgExpress (14 days)

  • Express will happily give you a price adjustment if the price is lowered within 14 days of original purchase.
  • Only valid for in-store purchases and not valid at the Express Factory Outlet.
  • According to their website, “Price adjustments are not provided during storewide sales.”
  • Will it Work on Black Friday/Cyber Monday: I am to assume that Black Friday is a storewide sale so you won’t be able to get a price adjustment.

 

Fry’s Elect299202-bigthumbnailronics (15/30 days)

  • 15 day price adjustment on laptop computers, desktop computers, CD and DVD recorders, camcorders, digital cameras, and air conditioner units.
  • 30 day policy on most everything else.
  • Price adjustments not available on items that were originally bought on sale or clearance.
  • Call customer service at 1-408-350-1484 to get your online price adjustment.
  • Will it Work on Black Friday/Cyber Monday: Definitely worth a try.

 

GAP (14 dagap-logo-old-unevenys)

  • Just return to your local GAP within 14 days of your purchase (with your receipt) if the item you bought is lowered in price.
  • To obtain a price adjustment on an online purchase call 1-800-GAPSTYLE or send an email message to custserv@gap.com within the 14 day window.
  • Stuff bought with a promotional discount or coupon aren’t eligible for price adjustment.
  • No price adjustments allowed on clearance items.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

Gymboree-LogoGymboree (7 days)

  • Take in your original receipt within 7 days of purchase and get your price adjustment at Gymboree.
  • According the Gymboree website, “Online purchases cannot receive price adjustments in retail stores.” Call them at (877) 449-6932 to get your price adjustment on an online purchase.
  • They reserve the right to designate that price adjustments are not available during certain promotional events.
  • Will it Work on Black Friday/Cyber Monday: Be sure to ask, although I am guessing that Black Friday will be a predetermined promotional event that doesn’t qualify for price adjustments.

 

hollister-logoHollister (14 days)

  • According to the Hollister website shoppers have 14 days to get a price adjustment with original receipt in hand.
  • Clearance items are not eligible for a price adjustment.
  • Take in-store purchases back to the store you purchased them at.
  • To get a price adjustment on an online purchase you must send an email to Hollisterco@Hollisterco.com. Be sure to include your order number, and the item(s) that are eligible for the price adjustment, and they will take care of the credit.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

home-depot-logo1Home Depot (14 days)

  • Home Depot will happily work with you within a 14 day time frame of your original purchase.
  • Be sure to bring product and receipt back in to the store with you as you might have to return the item and re-buy it at the lower price. I have had to do this a few times in lieu of a simple price adjustment.
  • For a price adjustment on an online purchase, call HD customer service at 1-800-430-3376.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

o-JCPENNEY2012-570JCPenney (30 days)

  • I called our local JCPenney and was told that shoppers had 30 days to get a price adjustment.
  • I was also told that the manger has some discretion to decline a price adjustment request in very limited cases.
  • For a price adjustment on an online purchases call them at 1-800-322-1189.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

jcrewlogoJ.Crew (7 days)

  • J.Crew offers price adjustments on full-priced merchandise only within 7 days of original purchase.
  • Only 1 price adjustment available per item.
  • Will it Work on Black Friday/Cyber Monday: Yes, just be sure to buy at original price in order to get a BF/CM price.

 

Kmart19631990LogoKmart (7 days)

  • You can get a single price adjustment per item within 7 days of original purchase at Kmart.
  • To request a price adjustment on an online purchase, simply call Kmart customer service at 1-866-562-7848.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

kohls-logoKohl’s (14 days)

  • You have up to 14 days from the date of the original purchase to get a price adjustment atKohl’s.
  • You’ll need the original, dated sales receipt to get the price adjustment.
  • The item cannot be a clearance markdown.
  • The item cannot be at “Kohl’s Cares” cause merchandise.
  • Buy One, Get One (BOGO) items are not eligible.
  • The item cannot be a current Buy One, Get One (BOGO).
  • Will it Work on Black Friday/Cyber Monday: Yes. I found nothing on their website to the contrary.

logo_theLimited1Limited (10 days)

  • From the Limited website, “We will honor a one-time price adjustment for online and store purchases when an original sales receipt is presented within 10 days of the purchase date.”
  • In-store purchases must be taken back to store, with original receipt, in order to get the price adjustment.
  • Online purchases from the Limited.com can also get a price adjustment. Call toll free at 1-877-LTD-1963 to get some money put back on your credit card.
  • Will it Work on Black Friday/Cyber Monday: Yes.

Macys-logoMacy’s (14 days)

  • For in-store purchases at Macy’s you have 14 days to get a price adjustment if the price is lowered.
  • Online purchases: I also found the link to get a price adjustment on an online purchase.Click Here.
  • Will it Work on Black Friday/Cyber Monday: Yes

UnknownMeijer (10 days)

  • From the Meijer website, they “will provide the difference of any Meijer advertised price for an item that goes on sale in the weekly ad within 10 days of the purchase.”
  • They have a list of exclusions: Grocery items, special event days (example mPerks or Meijer Credit Card events), limited quantities, clearance items, mail-in rebate offers, supplemental ads, Black Friday ads, and gift card promotion.
  • Will it Work on Black Friday/Cyber Monday: Unfortunately, no.

nordstrom-35-logoNordstrom (14 days)

  • Within 14 days of your purchase Nordstrom will happily credit you if the item you purchased it lowered in price.
  • Important note from their website: “Please note that we can only make one sale adjustment per item and designer goods originally purchased on sale are excluded.”
  • Call them at 1-888-282-6060 to get your price adjustment.
  • Will it Work on Black Friday/Cyber Monday: Yes.

 

oldNavyLogoOld Navy (14 days)

  • Just return to your local Old Navy within 14 days of your purchase (with your receipt) if the item you bought is lowered in price.
  • To obtain a price adjustment on an online purchase call 1-800-GAPSTYLE or send an email message to custserv@gap.com within the 14 day window.
  • Stuff bought with a promotional discount or coupon aren’t eligible for price adjustment.
  • No price adjustments allowed on clearance items.
  • Will it Work on Black Friday/Cyber Monday: Yes.

piperlime_logoPiperlime.com (14 days)

  • You have 14 days from date of purchase to get a price adjustment if price is lowered.
  • Will it Work on Black Friday/Cyber Monday: Yes, as long as your purchase is within 14 days.

Pottery_Barn_Gift_Card-6Pottery Barn (30 days)

  • I could not find any information online about Pottery Barn so I called them up and sure enough they offer a 30 day price protection policy.
  • For in-store purchases just return to the store and for online purchases call them at 1.888.779.5176.
  • Will it Work on Black Friday/Cyber Monday: Yes.

Sears-logoSears (14 days)

  • Sears calls their policy the “Price Protection Policy” and it gives shoppers 14 days get a price adjustment if the item they bought goes on sale.
  • Return to the Sears store of purchase with your receipt and get some cold hard cash.
  • For online purchases, fill out this Price Protection Form to get your price adjustment.
  • Online exclusions include clearance apparel and conditional online only special offers.
  • There unfortunately is one BIG exclusion which is no “Price Protection” adjustments between Thanksgiving Day and the Monday after Thanksgiving also known as Cyber Monday.
  • Will it Work on Black Friday/Cyber Monday: Unfortunately, no.

staples-logoStaples (14 days)

  • If the price gets lowered on something you bought in the last 14 days, Staples will happily give you some money back.
  • To claim your price adjustment, just see an associate at the customer service desk at your local store or call Staples at 1-800-333-3330.
  • For an online price adjustment call the same number above.
  • Will it Work on Black Friday/Cyber Monday: Yes. [Update: There are some conflicting reports as to whether the price adjustment applies to Black Friday sales.]

Target-logoTarget (7 days)

  • Target will give you exactly 7 days to bring in your receipt (you don’t need to bring the item back in) and get a price adjustment if the item you bought goes down in price.
  • Clearance items are not eligible for a price adjustment should they happen to go even cheaper which they eventually will. See my article on cracking the price tag at Target for details.
  • Also, you have 7 days from date of purchase to get a price adjustment if you find a lower price at Amazon.com, Walmart.com, BestBuy.com, ToysRUs.com, BabiesRUs.com or in a competitor’s local printed ad.
  • Will it Work on Black Friday/Cyber Monday: No.

UnknownToys R Us & Babies R Us (7 days)

  • While not readily promoted or publicly known, Toys R Us and Babies R Us both offer price protection for 7 days after your original purchase.
  • Item must be originally purchased at regular price to get an adjustment.
  • Will it Work on Black Friday/Cyber Monday: I can’t find any evidence that it won’t work.

UnknownVictoria’s Secret (21 days)

  • Victoria’s Secret will do a price adjustment on items bought at full price, and subsequently lowered in price, within 21 days of purchase.
  • Always keep your receipt and go back to the store of purchase to get your money.
  • To get a price adjustment on an online purchase call Vicky’s Secret at 1-800-411-5116.
  • Will it Work on Black Friday/Cyber Monday: Yes.

1407955691000-Walmart-LogoWalmart (7 days)

  • Walmart will happily give you some money back if the item you bought is lowered in price up to 7 days after the date of your original purchase.
  • Return to the store of original purchase with your receipt to get your price adjustment.
  • You cannot get an adjustment when there is a difference in an online price vs. an in-store price.
  • Exclusions: Clearance items, special buys, value of the day items, or items purchased up to 7 days before Thanksgiving, Black Friday or Cyber Week.
  • Will it Work on Black Friday/Cyber Monday: Unfortunately, no.

Unknown-1Williams-Sonoma (30 days)

  • Similar to Pottery Barn, Williams-Sonoma also offers a 30 price protection policy.
  • Just return with receipt in hand and politely ask for a price adjustment credit if the item you bought goes on sale or clearance.
  • Call them at (800) 840-2591 to request a price adjustment on an online purchase.
  • Will it Work on Black Friday/Cyber Monday: Yes.

This post originally appeared on Rather Be Shopping.