How to Save While Shopping on Amazon
Published July 20, 2020
While many of us have found ourselves at home more than ever before, we’ve fallen into the same patterns. We’ve run out of things to fix around the home, completed endless do it yourself (DIY) projects, perfected our bread making skills, potted one too many plants, and have finally reached the dangerous slope of online shopping. With Amazon leading the pack of online shopping vendors, they created a system that makes it so easy that we don’t even think twice when pressing the complete order button. Since I’m just as guilty of this, I decided to share a few different ways we could all save while shopping on Amazon.
Share your Amazon Prime account or see if a family member, roommate, partner, or friend that owns a Prime account is willing to split the membership. With Prime, you get free same day or two-day shipping, unlimited music/movies and TV/books, mega-deals with Prime Day, Prime Pantry, and so much more. If you’re not ready to commit yourself to Amazon by purchasing a Prime account, you’re not alone. You could always sign up for a 30 free trial to explore all of these perks with no obligation to purchase a membership.
If you don’t mind refurbished or open-box deals, Amazon Warehouse might be the place for you. Score thousands of deals on items that have been returned - mostly technology and gadgets - for a fraction of the price. When an item is returned to Amazon, it goes through a series of inspections to see if it’s ok to resell. After a 20-point inspection of in-depth cleaning and repairs, it will be placed on a grading scale from good to excellent. Amazon also provides detail on the overall condition of the item before you buy. As a bonus, Amazon Warehouse items are available for Prime shipping.
Amazon Outlet is a recent discovery I’ve made. Unlike Amazon Warehouse, Amazon Outlet is your source for overstocked, marked down, and unused items in all categories. Just like an outlet store, browse out of season, overproduced items at a cheaper price. From kitchen gadgets, backyard tools, baby clothes, and more find what you need at a marked-down price. They even offer a “$10 and Under” option for greater savings.
If you purchase your everyday essentials online, you might be interested in Amazon's subscribe and save option. Setting up regularly scheduled deliveries not only become convenient for you, but they also can help you save more money with up to 15% off your orders. Customize the quantity of your order and a schedule that works best for you and never run out of your essentials again.
Yes, even Amazon has coupons! When looking at an item on the site, check below the price to see if you have a “clip coupon” option to save even more. For instance, I recently decided to purchase an electric kettle. I shopped around comparing prices, and finally found one I liked. Not only was it in my price range, but it also offered a $4 off coupon. All I had to do was click the “clip coupon” checkbox within the listing, and it automatically applied when I checked out. I also picked the “no rush” shipping method, and Amazon rewarded me with additional credit to my account!
Since Amazon is America’s largest online marketplace with millions of items at your fingertips, Neighborhood Credit Union wants to make the member shopping experience even better. Until the end of July, members can receive 2% cash back up to $251 when using your Neighborhood Credit Union credit card or debit card.
Neighborhood Credit Union will make it easy by keeping track of your qualifying purchases and automatically post your credit. To qualify, all you need to do is activate your offer in Online Banking or the MyNCU Mobile App and have a minimum of $50 in total Amazon.com purchases.
Here are a few purchases that qualify for 2% cash back:
|Digital Downloads||Amazon Prime Subscriptions|
|Amazon Gift Cards
||Amazon Marketplace Items
|Amazon Fresh Orders||Amazon Deal of the Day|
The newest addition to the credit card line up is Cash Rewards Visa Credit Card. With 1.50% cashback on purchases2, this is the first cash back rewards credit card Neighborhood Credit Union has offered. Enjoy no balance transfer fees, no annual fees, a variable interest rate, and cash back on all purchases every day. Our Platinum Credit Card currently offers 0% APR intro rate for 6 months3 on purchases, balance transfers, and cash advances. Never pay a balance transfer fee, annual fee, and enjoy a variable interest rate.
Checking Accounts at Neighborhood Credit Union
Get free checking with high-yield interest when you apply for a Kasasa Cash checking. With Kasasa Cash, you’ll also earn 1.50% APY4 interest on up to $50,000 account balance and ATM withdrawal fee refunds5. Our Kasasa Cash Back checking earns 3% cash back on purchases for a maximum of $9 each month and unlimited ATM withdrawal fee refunds6. The Neighborhood Credit Union Choice Checking account allows members to get cash back rewards and overdraft fee forgiveness7. Finally, Fresh Start Checking is perfect for someone who doesn’t have the “perfect” checking history. Fresh Start is for those who have had closures at other financial institutions, problems with ChexSystems, or have been denied a checking account due to banking history8.
Compare the accounts on our site today to find the right fit for you. Apply today!
As we continue with this new normal, I hope the tips and tricks I listed help you save on your next Amazon shopping binge. Share the love when it comes to an Amazon Prime account, check out both Amazon Warehouse and Amazon Outlet, subscribe and save on regular purchases, take advantage of Amazon coupons, and activate Neighborhood Credit Union’s Amazon cash back offer. You’ll be surprised at how much you can save.
1 Qualified purchases must be made during the promotional period of July 1, 2020 – July 31, 2020 to be eligible for the Amazon.com rebate. 2% cash back (up to $25) will be issued to cardholders who complete transactions at Amazon.com during the promotional period (minimum $50 total spend) and activate this offer by July 31, 2020. Limit one rebate per account for a maximum rebate of $25. Credit Union shall determine which purchases qualify. Balance transfers, cash advances, statement or convenience checks, returns, finance charges, fees, and foreign transaction currency conversion charges do not qualify toward rebate. Amazon.com purchases include those made through the Amazon.com checkout, including digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Local Deals and Amazon Prime subscriptions and items sold by third party merchants through Amazon.com’s marketplace. This offer expires July 31, 2020. If you qualify, your rebate credit will be posted to your account within 8 weeks of promotion end date. Account must be open and in good standing at time of rebate posting. Offer valid only for the account referenced in the email communication and is not transferable.
2 APR based on creditworthiness. Rates are subject to change. APR will vary and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Must be 21 years or older to apply. Additional limitations, terms and conditions may apply.
3 APR = Annual Percentage Rate. Must be 21 years or older to apply. Introductory APR only applicable to new credit card applications. 0.00% Introductory APR for 6 months from issuance of the card. After the introductory period, APR will be adjusted based on creditworthiness. Rates are variable and subject to change and will be calculated based on the Wall Street Journal Prime Rate and may go up to a maximum of 18.00%. Minimum payment is 2% of total new balance or $18.00, whichever is greater. Cash advance fee is $10 or 2.00% of the amount of each cash advance, whichever is greater. No balance transfer fees. Additional limitations, terms and conditions may apply. Equal Opportunity Lender. View the Guide to Benefits and the Platinum Credit Card Disclosure.
4 APY = Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle, balances up to $50,000 receive APY of 1.50%; and balances over $50,000 earn 0.10% dividends on portion of balance over $50,000, resulting in 1.50% to 0.57% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per household
5 Domestic ATM withdrawal fees incurred during Qualification Cycle in which qualifications were met will be reimbursed and credited to account on the last day of Monthly Statement Cycle.
6 Kasasa Cash Back qualifications that must be met to obtain cash back rewards and ATM Withdrawal Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have at least one (1) automatic ACH payment or direct deposit post and settle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $300 for a total of $9 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Fees may reduce earnings (see fee schedule). Limit one account per household.
7 Restrictions apply. Choice Checking begins with a $11.99 base service charge monthly fee that can be reduced or eliminated. The fee is reduced by $1.00 each Qualification Cycle for receiving electronic statements. The fee is reduced by $0.20 each time you use your debit card to make a signature-based purchase during the Qualification Cycle (purchase must be $5 or more; ATM and PIN based transactions are excluded). See the Rates & Fees page here.
8 Direct Deposit is required for Fresh Start Courtesy Pay. Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Guide here. See Rates & Fees page.
Amazon is not a sponsor of this promotion. Amazon, Amazon.com, Amazon Prime, the Amazon.com logo, the Amazon Prime logo and the smile logo are registered trademarks of Amazon.com Inc. or its Affiliates.
Skyler has been a Marketing Content Specialist at Neighborhood Credit Union since 2019.