Cash Back Shopping: Worth the Extra Step?
When you’re trying to stretch every dollar, cash back shopping can sound like an easy win — earn money while you spend. But is it really worth the effort? Whether you’re using a cash back credit card or taking advantage of special checking account offers, a little strategy can turn everyday purchases into real rewards.
How Does Cash Back Work?
Most cash back programs reward you with a small percentage of what you spend or offer a points program. For example, if you use a Mutual Savings Credit Union Blue Rewards Mastercard® Credit Card, you earn points on eligible purchases. Your points can be redeemed for dining, shopping, travel, and more — it can add up over time. Your gift cards can be the gift you give!
Some programs offer higher rewards for specific categories like gas, groceries, or online shopping. Others rotate bonus categories throughout the year, so you can plan your purchases to maximize rewards.
Using Checking Accounts with Benefits
If you prefer debit to credit, many checking accounts with benefits also include cash back or rewards. These programs usually give you a percentage back on qualified debit purchases or partner promotions when you shop at participating retailers.
The key is to make sure you’re enrolled in the rewards program and that your purchases qualify. With Total Checking from MSCU, you can enjoy convenience, security, and the opportunity to earn while managing your everyday spending.
Is It Worth It?
Absolutely — if you’re intentional. Cash back shopping is most rewarding when you:
- Combine cash back programs with sales or coupons.
- Use your rewards strategically — to pay down debt, boost savings, or fund a fun treat.
In short, if you’re spending money anyway, earning something back just makes sense. It’s a simple way to make your checking or credit card work harder for you — and your budget.
Ready to Start Earning?
Make your money work harder for you with a Mutual Savings Credit Union Blue Rewards Mastercard® Credit Card or a checking account with benefits.
Visit www.mutualsavings.org or call 800-950-6728 to apply today.
