17 Ways to Save at Michaels

Here are some crafty ways to save. (See what we did there?)

For the artist in all of us, Michaels is a craft-lover’s dream. While you’re bound to find great deals at the store already, there are still other ways to save even more cash when you shop.

Here are 17 ways to save at Michaels.

1. Visit the Website

Coupons abound directly on the home page of Michaels.com, so be sure to make that your first stop when a trip to the crafting superstore in is order.

2. Use the Store Locator

To find even more coupons usable at your local Michaels, visit the Coupons section of Michaels.com and input your zip code for up-to-date coupon offers at the stores nearest you.

3. Join the Michaels Rewards Program

If you haven’t already, signing up for the Michaels Rewards program will provide you with members-only offers directly to your inbox, as well as access to events, receipt-free returns and early alerts for sales.

4. Check Out the Weekly Ad

Search through Michaels weekly ad online for more deals that are usually good only through the week.

5. Take a Class

Looking for a fun way to spend a Saturday afternoon with the family? Heading over to a crafting class at Michaels is bound to be a lot cheaper than anything else you’ll find. Check out the Classes & Events page to find an activity that everyone will love. Prices generally range from a couple dollars to the cost of your canvas, whatever that may be (as in you buy the birdhouse, supplies to decorate it are free).

6. Go Get Your Mail

You’re likely to find more Michaels coupons in your newspaper or in direct mailers, especially if you’ve given your address either in-store or at Michaels.com.

7. Search for Competitor Coupons

Don’t limit your coupon search to just Michaels coupons (although you’re sure to find plenty of those). The store also accepts competitor coupons from places like Jo-Ann Fabrics, Hobby Lobby, etc. Some restrictions apply, so be sure to check with the store.

8. Get More With Online Searches

Check out sites like Groupon, Coupon Cabin and Coupon Sherpa to scoop up any additional coupons you may have missed, or promo codes for online deals.

9. Bring in Multiple Coupons

Once you’ve found all your coupons, be sure to bring in as many as you can. The store limits you to one coupon of each type per day, but you can still use multiple different coupons on any given day. You can find the full coupon policy here.

10. Use a Rewards Credit Card

Get a little kickback on your crafting by using a rewards credit card at Michaels. Just don’t overcharge. Too much credit card debt can damage your credit scores. You can see where you stand by viewing two of your credit scores for free on Credit.com.

11. Follow Them on Facebook for Flash Sales

Be sure to follow Michael’s Facebook page to catch all coupon and sales deals, but especially ones that they share about last-minute discounts that are good for only one day or a couple days. (Follow them on Twitter to catch deals, as well!)

12. Do a Little Investigating

As stated on Michaels site, the company “will match any competitor’s advertised price on items identical in brand and size. Advertised product must be currently valid and not expired. Competitors allowed to match include AC Moore, Hobby Lobby and Jo-Ann’s.”

13. Shop the Front Aisle

As soon as you enter your local Michaels store you’re bound to pass an aisle of discounted items. While it might take some digging, you’ll often find some good items in there at rock-bottom prices, especially if you’re looking for craft ideas to keep curious kids busy or seasonal items for a season that just passed.

14. Take Advantage of Additional Discounts if You Can

Be sure to check out the discounts section of the site to see if you qualify for additional savings. For example, seniors, teachers and military servicemen and women all qualify.

15. Sign Up for Mobile Alerts

Get mobile text alerts from Michaels regarding coupons and extra deals by texting JOIN2 to CREATE (273283). Message and data rates will apply.

16. Buy Discounted Gift Cards

Check out Gift Card Granny (and other similar sites) to purchase Michaels gift cards at a discounted price.

17. Read the Bottom of Your Coupon

Michaels often offers additional ways to save that will be advertised on the bottom of your printed receipt, like coupons to complete a survey online, for example.

Want more brand hacks? We’ve got you covered. You can find 13 ways to save at Shutterfly here and 19 ways to save at Target here

Image: poba

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6 Brand Loyalty Programs That Are Actually Worth Joining

These brand loyalty programs are worth the extra emails.

There are probably a lot of things that draw you to your favorite stores. The products, obviously, the sales and the friendly salespeople all might be part of it, but a seriously rocking loyalty or rewards program is probably not far behind. Whether a loyalty program is free or has a small fee, if the benefits are plenty, it can be worth all the extra mail and email you’ll likely receive — or even a small yearly charge. (If you tend to pay balances off in full and want to maximize your earning potential, you may want to consider a rewards credit card as well.)

Here are some of the best loyalty programs we’ve seen around.

1. CVS

If not all pharmacies are created equal, then not all pharmacy rewards programs are created equal either. CVS’ ExtraCare Rewards stands out, for starters, because it’s free. Customers earn 2% back in ExtraBuck Rewards every single time they use their ExtraCare card, and additional savings are easy to find through ExtraCare emails, the CVS Pharmacy app and the weekly ad or throughout the store. You can save paper by using the “send to card” option to send selected offers from online directly to your ExtraCare card rather than printing them off to bring to the store.

2. Barnes & Noble

Becoming a B&N member isn’t free — it’ll cost you $25 a year — but if you’re an avid reader, the fee will likely be worth it. For starters, new members receive $50 in bonus coupons for joining. (Use ‘em all and you’ve already made up your initiation fee!) Members also receive member-exclusive savings options, free express shipping online with no minimum purchase, plus 40% off the list prices of current hardcover bestsellers and 10% off the price of other eligible items.

3. PetSmart

Animal owners can join the PetSmart PetPerks rewards program to start saving more on their pet purchases. Membership is free, and members receive discounts on in-store purchases, as well as special coupons sent directly to them in the mail. For more ways to save on your furbabies, sign up for the brand’s auto-ship plan, which provides 20% off and free shipping on the first auto ship order, plus 5% off and free shipping every time after. (Some exclusions apply.)

4. Sephora

For product lovers, the Sephora Beauty Insider Program is a dream come true. Sign up for free on the Sephora site and every dollar you spend earns a point that can be put towards free beauty products. (The points you need to purchase certain products can be found online.) Members also get a birthday gift, access to free beauty classes, and for an extra $10/year members get access to flash two-day shipping on all online orders.

5. Bed Bath & Beyond

Home goods superstore BB&B doesn’t have a specific rewards program, per se, but creating a free account online and providing your home address at the store will supply you with endless coupon offers. The best part? The store usually accepts coupons even after they’ve expired — though you probably won’t need to bother since you’ll likely have a new one waiting for you in your mailbox or inbox by your next purchase, anyway.

6. Starbucks

Pricey as their drinks may be, Starbucks does have a smashing (and free) rewards program. Starbucks Rewards members earn two “stars” for every $1 spent with your registered card to put towards future drinks. There are four ways to enroll in the program (online, through the mobile app, directly from a retailer or through a business affiliate), and you can earn also stars by entering star codes found inside specially marked packaged of Starbucks products as well. Starbucks fans can find more ways to save on their daily cup of coffee (or two) here.

Remember, you don’t want the lure of rewards to lead you to overspend. High levels of debt can affect your bank account and credit score. You can see where your credit currently stands by viewing two of your scores for free on Credit.com.

Note: It’s important to remember that prices for products and services frequently change. As a result, rates, fees and terms cited in this article may have changed since the date of publication. Please be sure to verify current rates, fees and terms with the company directly.

Image: oneinchpunch

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12 Ways to Save at DSW

For anyone with a gold medal in shoe-shopping.

If Carrie Bradshaw has a gold medal in buying shoes, I happen to know a good many other people (this writer included) who would earn a close silver. Any shoe lover is bound to have checked out designer shoe warehouse DSW for their footwear needs, but next time you find yourself feeling a little foot fancy, try these suggestions to save a bit on your haul.

Here are 12 ways to save at DSW.

1. Enroll in DSW Rewards

Membership is free, and you’ll earn 10 points for every $1 you spend at the store. You should also be on the lookout for Double Point Days and free birthday offers.

2. Become a Premier Member

Premier membership is actually based on how much you spend: DSW Rewards members who earn 6,000 qualifying points by spending $600 in a calendar year qualify for Premier membership. If that’s you, be sure to ask about the program, which offers free next-day shipping, five more points earned per every dollar spent at DSW and access to the Premier Choice Card, which earns you a Triple Points day every six months, (you get to pick the day).

3. Apply for a DSW Rewards Visa

Only Rewards members can apply for the DSW Rewards Visa, but once you do, you can really start racking up the savings. You’ll earn 20 points for every $1 you spend at DSW, two points for every $1 you spend outside of DSW, and when you reach 1,500 points you’ll earn a $10 Rewards certificate. You also get free return shipping, a one-time $25 offer when you spend $500 outside of DSW within 90 days of your first purchase and a $25 application offer when your card arrives in the mail. Just be sure not to revolve a balance — otherwise, you’ll lose those points to interest. (You can see how your credit card use if affecting your credit by viewing two of your scores for free on Credit.com.)

4. Use a Rewards Credit Card

A general purpose rewards credit card can also give you some kickback on your kicks. Here are some of our favs for shoppers.

5. Search the Site for Bonus Point Offers

Scroll through the entire homepage of the site to be sure and catch any additional rewards or bonus offers that might be hiding throughout. For example, ahead of Father’s Day, DSW was offering 25% off men’s dress socks with purchase of any men’s footwear.

6. Shop the Clearance Section

Don’t forget to check out the online clearance section frequently for new markdowns available online.

7. Sign Up for Email Newsletters

For exclusive offers and news sent directly to your inbox, enter your email address in the box at the bottom of any page on the site.

8. Search for Coupons

Besides your inbox and mailbox, search online at places like Coupons.com, RetailMeNot and Groupon for additional promo codes to use when shopping.

9. Follow Them on Social

As with most brands, DSW loves to engage with its customers, and one way they do so is by making sure their social media followers are up-to-date on the latest deals and special offers. Be sure to follow them on Facebook and Twitter to stay in the know.

10. Go Where the Dots Are

The best way to save some cash when shopping in-store is to know what you’re looking for. At DSW, keep your eyes peeled for colorful dots that show up on clearance shoes — find them and you could score an extra percentage off the already marked down price. For example, a purple dot signifies 20% off, red is 30%, blue is 50% and green is 70%.

11. Ask for a Discount

Customers have also claimed success at saving by simply asking for a discount, especially on purchases with small defects. Why not give it a try — if nothing else it’ll help you practice your haggling skills.

12. Return Your Online Purchases in the Store

If you aren’t a rewards member, you’ll pay $8.50 in shipping to return (not exchange) purchases made online — unless you do it directly in the store, so skip the charge by hitting the streets.

Want more brand hacks? We’ve got you covered. Here are 19 ways to save at Target

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: oneinchpunch

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19 Ways to Save at Nordstrom

save_at_nordstrom

A staple when it comes to department stores, Nordstrom is known for offering top brand options in apparel, shoes, handbags, beauty and more. It’s also known for providing plenty of ways to drive down the costs of those luxury goods.

If you’re a frequent Nordstrom shopper, here are 19 ways to save at Nordstrom.

1. Shop the Sales

Take stock of all the goodies available in the sales section of the Nordstrom site before clicking on anything else. You’ll find great deals on stuff for men, women and kids, not to mention home and trend goods.

2. Make the Most of Free Samples

Stock up on free samples of the products you’re dying to try before dishing out lots of cash for the whole item. Each online or in-store beauty or grooming purchase comes with three free samples, so pick wisely.

3. Apply for a Nordstrom Debit Card or Nordstrom Retail Card

Get the Nordstrom store credit card or debit card and earn two points per every dollar spent online or in stores, plus a $20 bonus note when you spend $100 at Nordstrom with your card the day you’re approved. There is no annual fee, but be sure to check out the APR information and read all the fine print before applying. Be sure to check your credit, too, so you know whether you can handle an inquiry. (You can view two of your credit scores for free on Credit.com.)

4. Apply for the Nordstrom Visa Platinum or Visa Signature Card 

The Nordstrom Visa Platinum and Visa Signature cards provide all the same benefits as the regular Nordstrom retail card, but you’ll also earn one point per every dollar spend everywhere else that Visa credit cards are accepted. You can find a full review of Nordstrom’s credit card right here.

5. Use Your Nordstrom Card at Affiliate Stores

You’ll earn two points per every dollar spent online when you use your Nordstrom card at Nordstrom Rack, HauteLook and Trunk Club, as well.

6. Wait for the Anniversary Sale

Nordstrom’s biggest sale of the year is their Anniversary Sale, and it generally kicks off every July. If you can wait, you’ll score major deals on all kinds of goodies, and Nordstrom cardholders get early access before it opens to the public.

7. Become a Nordstrom Rewards Member

Join the Nordstrom Rewards program for free by providing your name, email and phone number and you’ll earn one point for every dollar you spend at Nordstrom, Nordstrom Rack and HauteLook. You’ll earn extra points by shopping on bonus days, too, and for every 2,000 points you earn, you’ll receive a $20 Nordstrom Note, good to spend on absolutely anything.

8. Sign up for Nordstrom Emails

Provide your info to receive Nordstrom emails and you’ll never miss another upcoming sale.

9. Shop at Nordstrom Rack

Skip the regular Nordstrom store and site and head over to Nordstrom Rack, where you’ll find many of the same great items at deep discounts every day.

10. Shop the Nordstrom Rack Sales

Check out Nordstrom Rack’s clearance section for even more savings on the already marked-down items.

11. Shop at HauteLook

HauteLook is another Nordstrom property, with luxury brands available at up to 70% off retail.

12. Get the Nordstrom Apps on Your Phone

View your Nordstrom Rewards points and use your Nordstrom Notes anytime directly from the free Nordstrom app for iPhone, iPad and Android, and load the Nordstrom Rack app on your phone as well for access to the newest markdowns and clearance items. HauteLook also has an app that’ll help you shop exclusive, limited-time sale events from anywhere.

13. Search for Nordstrom Coupons Online

Do a quick Google search or use sites like Retail Me Not, Groupon and Coupons.com to find promo codes to use when shopping at Nordstrom.com.

14. Follow Nordstrom on Social

Catch up on all the sales and promotions when you follow Nordstrom on their social sites, like Facebook and Twitter. (Follow Nordstrom Rack and HauteLook as well, to be sure you really get access to all the sales that Nordstrom has to offer!)

15. Purchase Discount Gift Cards

Use sites like Gift Card Granny to score Nordstrom gift cards at major discounts.

16. Refer a Friend 

Nordstrom offers $20 in rewards when you refer a friend who then opens a credit or debit account with them.

17. Write a Review Online

Check back with Nordstrom.com for opportunities to win gift cards or discounts when you leave product reviews on the site.

18. Ask for a Price Match

Nordstrom offers a price match guarantee when you find the same item in stock for cheaper at a competing store.

19. Ask for a Sales Adjustment

Nordstrom will adjust the price for you on items that go on sale within two weeks of your order date. You can find more about the price-match and sales adjustment policies here.

Want more brand hacks? No problem! We’ve got 17 ways to save at Sephora here

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: RiverNorthPhotography

The post 19 Ways to Save at Nordstrom appeared first on Credit.com.

14 Ways to Save at Starbucks

Just in case caffeine rules everything around you.

Caffeine lovers who have heard over and over again that they could be saving so much money if only they’d cut back on their daily Starbucks latte can now rejoice. So long as your coffee habit isn’t putting you in debt, there’s no pressing need to give up that jolt. Instead, try putting some of our trusty brand hacks to work.

Here are 14 ways to save at Starbucks.

1. Shop the Site

If you’re looking to stock up on at-home Starbucks goodies, it never hurts to start at Starbucks.com. Often the company offers coupon codes and discounts for online orders (check the top banner). They also advertise any discounts and savings deals directly on the homepage or via member emails, which brings us to our next point …

2. Join Starbucks Rewards

Join the Starbucks Rewards program and start earning “Stars” that can be redeemed for Starbucks Rewards benefits. You’ll earn two stars for every $1 you spend using your registered card. Check out more about the two reward level options and what you can get with them right here.

3. Get Your Birthday Drink on the House

Register your birthday when you join the Starbucks Rewards program and you’ll be gifted a free beverage or treat through the Starbucks app on your birthday.

4. Bring Your Own Cup

Some Starbucks chains offer a $0.10 discount on your drink when you bring in your own reusable cup to drink from.

5. Go Easy on the Ice

Iced drinks are great, but all that icy goodness takes up a lot of room in your cup. Ask for your ice on the side to ensure your drinking cup is full to the max with your actual drink of choice.

6. Skip the Bottled Water

The water at Starbucks is filtered to ensure your coffee retains its flavor, so skip the pricey bottled water and go for free cup of tap water instead.

7. Split a Venti

The 20-ounce Venti cup (or 24-ounce Venti Iced) is certainly large enough to split with a friend, and you’ll essentially be getting two tall-size drinks for less than you’d pay if you ordered one outright.

8. DIY Your Own Chai Latte

With a little ingenuity you can DIY your own chai latte using Starbucks ingredients, but for a cheaper price. Just order a cup of hot water with a chai tea bag and add your own milk from the condiments bar.

9. Order Gift Cards for Less

Visit sites like Gift Card Granny or Raise.com to purchase Starbucks gift cards for less than face value.

10. Follow Starbucks on Social Media

Check out Starbucks on Facebook, Twitter, Instagram and Pinterest to be sure you catch all their recent deals.

11. Ask for a ‘Short’

While it’s not listed in most stores, a short size (8 ounces) does exist, and it’s cheaper than the tall if you’re only looking for a little caffeine buzz.

12. Check Your Target Receipts

It might seem odd, but if your Target happens to have a Starbucks, be sure to check your receipt after making a purchase. Sometimes a discount or BOGO offer for Starbucks will be attached. (Speaking of Target, we’ve got a review of its RedCard, which can earn frequent shoppers 5% off eligible purchases, right here.)

13. Make the Most of Free Refills

Pay with your Starbucks card or through your mobile app for your initial purchase and you’ll be rewarded with all the free refills of brewed coffee or tea you like.

14. Avoid Leaving Room for Milk & Ask for a Larger Cup

Instead of opting to have your barista leave you extra room in your tall cup for milk (read: less coffee), ask for your tall beverage in a grande cup instead. Voila! Appropriate amount of beverage with room to spare for milk.

Do you have a thing for java in general? Here are four credit cards that can help coffee lovers reap rewards on their daily brew.

Image: vgajic

The post 14 Ways to Save at Starbucks appeared first on Credit.com.

17 Ways to Save at Amazon

Because, face it, we can all use 'em.

For whatever your little heart may desire, retail behemoth Amazon is likely the place that will have it. For any room in your house to the outside of your house to your personal, beauty and baby needs, the list of Amazon purchasing options goes on and on and on. If you’re worried that clicking away on tempting items online might lead you to go into debt, try using some of these tactics the next time you’re shopping on the site.

Here are 17 ways to save at Amazon.

1. Check Out Today’s Deals

The Today’s Deals section on the Amazon site is loaded with savings options. From coupons and 24-hour deals to open box and used items, as well as their online outlet store, the savings are endless. Make this your first stop any time Amazon is on your brain (and browser).

2. Sign up for Subscribe & Save

For those things you purchase regularly, it might be worth signing up for the Subscribe & Save program. You can save up to 15% on these items, set up a regular schedule for receiving them and get free shipping.

3. Get Amazon Prime

If you shop on Amazon enough, the $99 yearly fee to subscribe to Amazon Prime might be worth it. You’ll earn rewards with your purchases and get free two-day shipping on some items. You’ll also have access to a selection of streaming TV shows and movies, additional coupons and a free two-month trial on the family plan of Amazon Music Unlimited, plus a discount on full membership if you end up joining. Still not sure it’s for you? Sign up for a free 30-day trial and cancel it before the month is out if it doesn’t work out.

4. Join Prime Student

If you’re a student with a valid .edu email address, sign up for Prime Student. You’ll get a free six-month trial, after which you’ll upgrade to standard Prime for 50% off. Prime Student comes with free two-day shipping, access to video streaming and thousands of books and magazines and early access to select Amazon Lightning Deals, among other things.

5. Look Into Amazon Family

If you’re a Prime member, signing up for Amazon Family gets you access to exclusive family-oriented offers like coupons, 20% diaper subscriptions and a 15% Baby Registry completion discount.

6. Consider an Amazon Store Credit Card …

The retail giant’s standard store credit card is strictly no-frills — unless you have a Prime membership, then you’ll get a full 5% cash back on Amazon purchases, which can really add up for frequent shoppers.

7. … its Prime Rewards Visa …

Amazon also offers a traditional credit card that touts the same 5% cash back on Amazon purchases, but can be used anywhere Visa is accepted. As an added bonus, you’ll also earn 2% cash back at restaurants, gas stations and drugstores and 1% cash back everywhere else. We’ve got more on the card here.

8. … or Your Current Rewards Credit Card

If you’re not interested in new plastic, get some kickback on your purchases by using a rewards credit card that’s already in your wallet. Just be careful not to spend more than you’ll be able to pay off in full. Otherwise, your points, miles or cash back will be lost to interest. Plus, high credit card balances can hurt your credit. (You can view two of your credit scores for free on Credit.com.)

9. Shop With Rewards

On the flip side, Amazon partners with quite a few credit card issuers so you can pay for purchases using your points or cash back — and not the hard-earned funds in your bank account.

10. Buy at the Right Time

Amazon price tracker site camelcamelcamel.com monitors millions of products on Amazon and alerts you when the price drops on the items you want, making your price-savings scouting just a little bit easier.

11. Shop Around for Lower Prices

Use price comparison sites like PriceBlink.com to find lower prices and coupons. While you’re viewing a product, the site scans more than 4,000 additional merchants for lower prices elsewhere so you know you’re always making the most informed purchase.

12. Get Paid to Shop Online

Sign up for a MyPoints accounts and you’ll earn points for every dollar you spend when you click to the retail site from the MyPoints page. Plus, you’ll earn a $10 Amazon card with your first qualified purchase.

13. Do Some Digging

If you’re searching for a specific product on Amazon, don’t always think the first item that pops up will be the cheapest. In fact, if you’re in the market for a specific product, it pays to always dig deeper than just typing in the object name in the search bar and putting the first thing that appears in your cart. Check out the “Customers Who Bought This Item Also Bought” carousel below the item for products that are likely to be very similar to what you’re looking for — but potentially much cheaper.

14. Install a Coupon Aggregator on Your Computer

Rather than searching around for Amazon coupons yourself, install a coupon aggregator like Honey on your computer and let it do the searching for you at checkout.

15. Buy Discounted Gift Cards

Check out sites like Raise.com and Gift Card Granny to score Amazon gift cards at less than face value.

16. Trade in Your Old Items

Use the Amazon Trade-In program to earn gift cards on items you no longer use.

17. Turn Off One-Click

OK, this move won’t net you a discount, but it may stop you from going overboard and busting your budget.

Love brand hacks? We’ve got plenty. You can find a full 19 ways to save at Target here. Have another brand you’d like us to tackle? Let us know in the comments. 

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: Petar Chernaev

The post 17 Ways to Save at Amazon appeared first on Credit.com.

17 Ways to Save at Sephora

Because beauty doesn't come cheap.

Product lovers know that Sephora is the place to go for all things beauty-related, but shopping there can be a bit of a hazard, financially speaking, even when you do so with a list of needs in hand. After all, Sephora has everything you never knew you desperately needed.

If you’re likely to be tempted by all the sights and smells of Sephora, try using some of these tactics to save on your next haul. Here are 17 ways to save at the beauty chain.

1. Shop the Sales Section

Check out all the awesome beauty bargains available in the Sephora sales section online before you do anything else. From makeup, skincare and fragrance products to hair, beauty tools and bath items, you may just find everything you need for your date night look right there.

2. Check Out Weekly Specials

Unlike the sales section, weekly specials show up for a limited time and include things like bonus offers, limited-time markdowns, and freebie items, among other things.

3. Sign Up for Sephora Newsletters

Scroll all the way to the bottom of the Sephora homepage and enter your email to get Sephora newsletters. You’ll have access to all the current promotions, coupon codes and more.

4. Join the Beauty Insider Program

Register for free for Sephora’s Beauty Insider program and every dollar you spend earns you a point that gets you closer to free beauty products. (You can actually find out how many points you need for certain products on Sephora’s website.) You’ll also get a free birthday gift, access to free beauty classes, and for $10 a year, you can receive flash two-day shipping on all your orders online. Here are a few other awesome retailer loyalty programs to consider.

5. Upgrade to the VIB Level

If your Sephora obsession is serious, it might be worth the $350 per year to upgrade to the VIB level program. You’ll still earn points toward free products, get a free birthday gift, free beauty classes and have access to flash two-day shipping on all online orders for an additional $10 per year, but you’ll also get additional seasonal savings, handpicked gifts and one free custom makeover annually.

6. Go All Out with the VIB Rouge Program

Only if you really, truly spend a ton at Sephora will this program be worth it, but for $1,000 a year, the VIB Rouge program will give you access to everything the regular VIB program does, plus you’ll have unlimited free customer makeover access and free flash two-day shipping on all online orders. Plus, you’ll have access to a private hotline and you’ll receive invitations to exclusive events.

7. Create a Sephora Loves List to Share Widely

The next time someone asks you what you want for your birthday, Christmas or Hanukkah, point them in the direction of your carefully curated Loves list in your Sephora Beauty Bag. Simply sign in, click the heart icon next to any beauty items you must have, then print or share via email with your loved ones.

8. Make the Most of Complimentary Services

If you’re already spending money at Sephora, be sure to get the most out of your purchases. For example, 45-minute full-face makeovers are complimentary with a $50 minimum purchase or $50 gift card redemption, and a 90-minute customized skin care, fragrance, and beauty makeover is free with purchases of $125 or more. Both services are free to VIB Rouge members, as well.

Mini-makeovers in the form of 15-minute sessions with Sephora Beauty and Skincare advisers are free in all stores, as well, so be sure to inquire.

9. Don’t Forget Your Free Samples

Before plunking down full price to try out a brand new product, check and see if what you’re looking for is available as a free sample. Each online purchase comes with three free samples, and if you can try it out before buying it, you might save some wasted cash on products that weren’t what you were expecting. You’re also allowed up to three take-home samples per department in store, so ask about those options and details.

10. Apply for the JCPenney Card

Sephora now accepts a JCPenney credit card (full review here) for purchases at Sephora.com, so you can use your Sephora purchases to help you earn rewards on your JCPenney purchases as well.

Just be sure to pay your balances off in full. The card carries a lofty variable 26.99% annual percentage rate. Plus, high credit card balances can hurt you credit. (You can see two of your scores for free on Credit.com.)

11. Use a Rewards Credit Card

You can get a little kickback on your beauty purchases by using a solid rewards credit card. Again, just be sure to pay your balances off in full. Otherwise, any points, miles or cash back you earn will just get eaten by interest.

12. Follow Sephora on Social Media

The beauty store often shares discount, contest and giveaway information on its Facebook and Twitter sites. Be sure to follow them so you don’t miss out.

13. Search Online for Discount Codes

Try sites like Retail Me Not and Coupon.com for promo codes to use online.

14. Buy Discount Gift Cards

Check out sites like Gift Card Granny to purchase Sephora gift certificates at less than face value.

15. Get a Student Discount

Search for them online. For instance, you can earn 10% cash back on Sephora purchases at student discount site studentrate.com.

16. Splurge on Makeup Palettes, Not Single Items

Even if you don’t think you’ll use every single color in that lipstick palette, picking up the palette instead of individual lipstick colors you like is bound to save you some cash, as individual items tend to cost an arm and a leg.

17. Wait for the Sales

Beauty Insiders get early access on offers of up to 15% off products twice a year, but sales can be worth the wait in savings even if you haven’t signed up for the Beauty Insider rewards program.

Want more brand hacks? You’re in luck, because we’ve got plenty. For starters, you can find 14 ways to save at Overstock.com right here. Or you can check out these 12 ways to save at The Container Store if you need new bins to put all those beauty products in. Plus, if there’s a particular retail chain you’d like to see us cover, shout it out in the comments section below. 

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: MilanMarkovic

The post 17 Ways to Save at Sephora appeared first on Credit.com.

13 Ways to Save at Barnes & Noble

We've got some solid brand hacks for bookworms.

Avid readers delight in everything Barnes & Noble has to offer, from classics like “Wuthering Heights” and “Valley of the Dolls” to newbies like “The Passenger” and “Big Little Lies.” It could be easy to drop a hefty sum of cash here, but you’ll be sure to save if you try out some of these tactics.

Here are 13 ways to save at Barnes & Noble.

1. Start with the Website

The Barnes & Noble website often offers discounts on any given day, so be sure to start there for all your literary needs. For example, as I typed this, books were 15% off orders of $50 or more, which I could easily spend.

2. Become a Member

For $25 a year, you can become a Barnes & Noble member, which includes goodies such as $50 in bonus coupons by email when you join, member-exclusive savings specials sent via email, free express shipping with no minimum purchase, 40% off the list price of the current hardcover bestsellers and 10% off the price of other eligible items.

3. Get the B&N MasterCard

Savvy credit card users can sign up for the Barnes & Noble MasterCard for 5% back on all B&N purchases, an automatic $25 B&N gift card for every 2,500 points you earn (plus a free $25 gift card after making your first purchase with the card) and 12 months of free B&N membership after you spending $7,500 a year on eligible purchases.

There’s no annual fee for the card, but your APR will be between 14.49% and 25.49% based on your creditworthiness, so pay this card off in full on every statement to make it worth the investment. (You can see how your current credit card use is affecting your credit by viewing your free credit report snapshot on Credit.com.)

Not a big Barnes & Noble shopper? We’ve got a roundup of other rewards credit cards for shopping here.

4. Join the Kids’ Club

Sign up for the Kids’ Club and get 30% off the list price on any one kids book or toy, earn $5 in rewards for every $100 you spend on kids’ stuff online and in stores and get a free cupcake from the café on your kids’ birthdays.

5. Shop the Sales Section

Check out the B&N sales section of the site for up to 75% off select bargain books.

6. Make the Most of Free Events

Put aside the expensive movie night or kids’ activity center membership and head over to a free reading by your favorite author or story and activity time at your local B&N store. Find your location here and discover which specific events are offered in your area.

7. Explore Coupon Options Directly From B&N

Before doing any additional searching, check out the Barnes & Noble Coupons & Deals section for offers like deals of the day, exclusive offers and coupon codes good for a limited time.

8. Search for Coupon Offers Elsewhere

Check out sites like Coupons.com, RetailMeNot and Coupon Cabin for additional discount offers.

9. Sign Up for Emails

Provide your email either at the store or online and get coupon and discount offers sent directly to your inbox.

10. Combine Your Online Purchases

While B&N doesn’t match its online prices with what you’ll find in-store (and often the online items can be purchased for less), if you don’t have enough to buy to qualify for free shipping, try purchasing your items as a group with friends or family who are ordering, or pick up some gift items for future birthdays — a $25 order will get you free shipping.

11. Buy a Discounted Gift Card

Hit up Gift Card Granny to purchase a B&N gift card for less than face value.

12. Follow B&N on Social Media

Never miss another sale or coupon code when you follow the bookstore on Twitter and Facebook. (As an aside, you could also follow your local B&N store specifically — some have a separate page — to make sure you catch any exclusive events or offers they have happening.)

13. Install a Coupon Aggregator on Your Computer

Rather than digging around for missing coupons, install a coupon aggregator like Honey on your computer and let it do the work for you. This way, you’ll never miss out on a coupon or promo code again.

Into brand hacks? We’ve got a full 19 ways to save at Target right here.  And if there’s a brand you’d like to see us tackle, shout it out in the comments section!

Image: martin-dm

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 13 Ways to Save at Barnes & Noble appeared first on Credit.com.

12 Ways to Save on Prada

Prada sales are hard to come by — but there are ways to get those designer duds for less.

Prada may just be the gold standard of fashion, but unless you’re rolling in the dough, shopping there might be a pipe dream. Of course, dreams aren’t always out of reach. While Prada sales are hard to come by, there are a few ways you might be able to score that designer shirt you covet — without cashing in your 401K.

Here are 12 ways to save on Prada.

1. Sign Up for its Newsletter

Prada sales may be few and far between, but they do happen, and signing up for the brand’s newsletter is a surefire way to be one of the first to know about any promotions or in-store events.

2. Follow Prada on Social

Besides the newsletter, be sure to follow all of Prada’s social sites for promo updates, as well. Check them out on Facebook, Twitter, and Instagram and never miss a savings opportunity again.

3. Shop Online

Rather than buying Prada products directly from Prada, you’ll likely save a bunch if you do some research and find products online instead. Check eBay and Couture USA for pre-used options. Authenticating any product you want to purchase should be your first task when shopping online, though, so be sure to ask the seller how they can assure you what you’re buying isn’t a knock-off.

4. Use Coupons From Online Shops That Sell Prada

Places like Overstock.com occasionally offer Prada products, so sign up for their newsletters to get exclusive coupons to put towards your Prada purchases on those sites.

5. Use Your Department Store Perks …

Places like Bloomingdales and Nordstrom sell Prada products, so if you can use points accrued on your department store credit cards (you can find a full review of Nordstrom’s credit cards here) or coupons and promo codes these places have sent you on Prada items, you’ll save a ton of cash.

6. … or Rewards Credit Card

A good rewards credit card can at least give you some kickback in the form of points, miles or cash back when you buy designer duds. You can find some of the better credit cards for shopping here. Just be sure to pay your balances in full each month. Otherwise, the rewards you earn will just be for naught. And, if you’re eyeing a new credit card, check you credit before applying. You’ll want to be sure you can qualify. (You can view two of your credit scores for free on Credit.com.)

7. Make a Friend

If you spend enough time in a Prada store — even if you’re not buying — you’re bound to come across the same sales associates time and again. Be friendly with them and let them know how interested you are in actually buying, once the price is right. Sales associates are the gatekeepers of sales, and you never know when your new friend might be able to tip you off to an upcoming one.

8. Ask for a Discount

If you think asking for a discount at a place like Prada will make you seem cheap, it’s time to reframe your thought process, savvy shopper — especially if you’ve already taken the time to do No. 5, it never hurts to ask what a sales associate can do to help you walk out of the store with your favorite item.

9. Consider Purchasing Abroad

This option would take some real research, but if you’ll be traveling abroad soon, it might be worth checking out the Prada sites for the country you’ll be in to see if their offers are cheaper than in the U.S. Of course prices fluctuate all the time, so one day something that’s cheaper in Milan might be more expensive the next, but it’s worth looking into.

10. Peruse the Duty-Free Section

Speaking of travel, check with any airports you’ll be visiting to see if they offer Prada in any of their stores. If they do, you might be able to make use of the duty-free shops to score some Prada deals.

11. Shop at a Prada Outlet Store

Savvy shoppers who are really up on their Prada products can find good deals at a Prada outlet store and save some money in the process.

12. Follow a Prada Forum Online

Google ‘Prada blogs’ and you’ll get millions of results. Of course not all of these options will be worth your time, but some of the Prada blogs and forums out there — like Purse Blog and Passion for Prada — just might help you score a deal.

Want more luxury brand hacks? You’re in luck — we’ve got a full 10 ways to save at Louis Vuitton right here

Image: pcruciatti

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 12 Ways to Save on Prada appeared first on Credit.com.

12 Ways to Save on Prada

Prada sales are hard to come by — but there are ways to get those designer duds for less.

Prada may just be the gold standard of fashion, but unless you’re rolling in the dough, shopping there might be a pipe dream. Of course, dreams aren’t always out of reach. While Prada sales are hard to come by, there are a few ways you might be able to score that designer shirt you covet — without cashing in your 401K.

Here are 12 ways to save on Prada.

1. Sign Up for its Newsletter

Prada sales may be few and far between, but they do happen, and signing up for the brand’s newsletter is a surefire way to be one of the first to know about any promotions or in-store events.

2. Follow Prada on Social

Besides the newsletter, be sure to follow all of Prada’s social sites for promo updates, as well. Check them out on Facebook, Twitter, and Instagram and never miss a savings opportunity again.

3. Shop Online

Rather than buying Prada products directly from Prada, you’ll likely save a bunch if you do some research and find products online instead. Check eBay and Couture USA for pre-used options. Authenticating any product you want to purchase should be your first task when shopping online, though, so be sure to ask the seller how they can assure you what you’re buying isn’t a knock-off.

4. Use Coupons From Online Shops That Sell Prada

Places like Overstock.com occasionally offer Prada products, so sign up for their newsletters to get exclusive coupons to put towards your Prada purchases on those sites.

5. Use Your Department Store Perks …

Places like Bloomingdales and Nordstrom sell Prada products, so if you can use points accrued on your department store credit cards (you can find a full review of Nordstrom’s credit cards here) or coupons and promo codes these places have sent you on Prada items, you’ll save a ton of cash.

6. … or Rewards Credit Card

A good rewards credit card can at least give you some kickback in the form of points, miles or cash back when you buy designer duds. You can find some of the better credit cards for shopping here. Just be sure to pay your balances in full each month. Otherwise, the rewards you earn will just be for naught. And, if you’re eyeing a new credit card, check you credit before applying. You’ll want to be sure you can qualify. (You can view two of your credit scores for free on Credit.com.)

7. Make a Friend

If you spend enough time in a Prada store — even if you’re not buying — you’re bound to come across the same sales associates time and again. Be friendly with them and let them know how interested you are in actually buying, once the price is right. Sales associates are the gatekeepers of sales, and you never know when your new friend might be able to tip you off to an upcoming one.

8. Ask for a Discount

If you think asking for a discount at a place like Prada will make you seem cheap, it’s time to reframe your thought process, savvy shopper — especially if you’ve already taken the time to do No. 5, it never hurts to ask what a sales associate can do to help you walk out of the store with your favorite item.

9. Consider Purchasing Abroad

This option would take some real research, but if you’ll be traveling abroad soon, it might be worth checking out the Prada sites for the country you’ll be in to see if their offers are cheaper than in the U.S. Of course prices fluctuate all the time, so one day something that’s cheaper in Milan might be more expensive the next, but it’s worth looking into.

10. Peruse the Duty-Free Section

Speaking of travel, check with any airports you’ll be visiting to see if they offer Prada in any of their stores. If they do, you might be able to make use of the duty-free shops to score some Prada deals.

11. Shop at a Prada Outlet Store

Savvy shoppers who are really up on their Prada products can find good deals at a Prada outlet store and save some money in the process.

12. Follow a Prada Forum Online

Google ‘Prada blogs’ and you’ll get millions of results. Of course not all of these options will be worth your time, but some of the Prada blogs and forums out there — like Purse Blog and Passion for Prada — just might help you score a deal.

Want more luxury brand hacks? You’re in luck — we’ve got a full 10 ways to save at Louis Vuitton right here

Image: pcruciatti

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 12 Ways to Save on Prada appeared first on Credit.com.