What’s even better about this program is that you also earn money everytime you convince a friend to sign up for FREE and shop through the links provided from this program.

You save, your friends save and you make money from saving? Can anything be easier then that… well, check out the online stores you get to choose from

eBay, Alloy, Amazon, Apple Store, Avon, Beauty.com, Babies R US, Drugstore.com, eBags.com, Office Depot, Peach Pit, Total Gym, Pet Street Mall… AND SO MUCH MORE!

So check it out, sign up and tell your friends.

I know what you’re thinking; and the answer is NO! There are no shopping limitations. So shop where ever you want. There are other rewards programs that are affiliated with specific retailer and in order to receive your cash back you are limited to shopping at only these affiliate retailers.  But with these programs, you shop where ever you want and save at the stores of your choosing.

Capital One Platinum MasterCard

• Get up to 1% no hassle cash back on every purchase on purchases above $3000*
• No annual fees
• Cash Back rewards never expire
• Annual Rate is at 17.55%
• No caps on the amount you earn back
• Redeem your reward balance when it’s over $15.00 J

*get 0.5% no hassle cash back on purchases under $3000, then earn 1% cash back on purchases over $3000

CIBC Dividend Visa Card

• Earn up to 1% cash back on purchases you make with the card on purchases over $3000*
• No annual fees
• Personal Purchase Protection- automatic coverage for replacements, repairs or reimbursements on most purchases
• Bonus Money Saving Features: At Participating Avis locations get Common Carrier Accident  coverage of up to $100 000 and up to 20% discount
• Cash balance accumulates and is redeemable in December L
• Current regular rate 19.5%

*CIBC has a 3 tier cash back structure. On the 3^rd tier get 1% cash back on purchases over $3000

TD Rewards Rebate Visa Card

• Earn up to 1% cash back on purchases over $3000*
• No annual fees
• Receive your cash back rewards every January( Reward balance redeemable only once a yearL)
• Maximum annual purchase limit of up to $25 000 L
• Added Benefits: Preferred rates at Budget Rent A Car
• 19.75 interest rate
• Additional Features like: Verified by Visa, Balance Protection Insurance… and much more

*Earn 0.5% cash back on first $3000 spent. There after earn the 1% cash back on annual purchases over $3000

Canadian Tire Cash Advantage MasterCard

• Get up to 1.5% cash back on purchases everywhere *
• Earn up to 3% cash back on purchases at Canadian Tire stores, gas stations and Mark’s Work Wearhouse J
• No annual fees
• Unlimited cash back rewards
• Rewards applied to account once a year L
• Even more benefits
• $4.00 cash advance fee

*conditions apply so read the terms of and conditions carefully

There are many other programs out there you can look through. I mostly focused on programs in Canada but I’m sure that there are programs available in the country you live in. Don’t just focus on the cash back percentage. There are other key points to consider.  For instance, consider when and how you will be able to gain access to your rewards, what additional rewards and features that is built into your program and what are the additional fees associated with getting cash advances or getting a second card holder. Look for programs with additional bonuses and/or cash back for shopping at certain locations like gas stations, retail stores, department stores…etc.  Also, look out for those nasty interest rates. These reward programs are meant to help you save and put money back into your pocket. So spend money that you can afford to pay off right away. If you are paying  19.00% interest and only receiving 1% cash back on the maximum tier, then you are better off finding yourself a 0.00% interest  credit card or a card that will beat the cash back reward card’s interest rate differential.  And if you get a rewards program that eventually expires, be sure to get  rid of the card after the expiration date of the program. There is no point in keeping a credit card that is no longer rewarding you to shop with it. You can easily find another credit card with a better interest rate or a cash back rewards program that never expires.

Check Out These Great Reward Programs:

Also keep in mind that most of these program offer cash back in a tiered system. In other words, you have to spend over a specific limit to get cash back at the higher rates.   Take, for instance this example (pulled from the TD Rewards Rebate Visa page):  if net annual purchases on your cash back credit card total $10,000, you will earn cash a  reward of $85 ($15 for the first $3,000 in purchases and $70 for the additional $7,000.) That’s $85 you have earned just from using your Card for everyday purchases. And there’s no annual fee to pay.

Well its quite easy…

step 1) Sign up for FREE here

step 2) Choose between applying for several offers or referring friends and family to the site where they sign up for the variouse offers. If you choose to just sign up for offers then your job is done. If you go for the referrals keep reading…

step 3)Sign up for at least 1 offer

step 4) Refer at least 10 friends who you think will like many of the cool offers and trials.

step 5) Get your iphone or cash!

I just signed up and i decided to go with the “3 books for 1 dollar each ” offer. The thing to realize is that there are some offers that have expired or they are no longer available. I don’t know why the those offers are not just taken down. My experience was that there were 3 offers I really would have liked to try but because they were expired,so i had to settle for the books. It’s quite disappointing but at least I got some books I know I will like and if I dont like them, I can give them away to family and friends that I know would appreciate them.

Another thing I would like to caution anyone who is interested in the free iphone is to be sure you follow the instructions carefully in order to get credited for the offers you sign up to recieve. Also, make sure you read the terms of service or any other agreements before handing over your credit card. Many offers require that you sign up for a monthly subscription. Make sure you know exactly how much you are going to pay for that subscription over the course of any contract. Also make sure you are aware of any cancellation penalties or how much notice you need to give before cancelling a subscription. Avoid any offers that promise you a way to make money with companies like Google or Ebay, you would be spending money on something you can probably get for free.

All in all, many of the offers are pretty decent and worth the signing up . and if you can convince people knowto sign up too, you will be rewarded with a Free Iphone.

Sign Up Now

So how do you earn points?

It’s pretty FUN and easy. Complete surveys, sign up for free and paid offers, shop to earn points(cashback), use your merits to play games to earn points, and refer friends and family and earn comission on their earnings!!

Also, feel free to rate completed offers, surveys, cashback offers and games to help other members decide if they want to try those offers for themselves.

Now here is the great part of this program. You can redeem your points at Amazon to come. You play?spend your winnings at Amazon. Shop? spend your cash back at Amazon. Fill out offers and Surveys? spend your earnings at amazon.

So who can join?If you are living in Canada, United States, or United Kingdom and you need to be at least 18 years of age (at least 13 with parental permission. check site for details) to participate and redeem points.

You can also recieve free shipping if you put at least 2500 points worth of products (3000 if from the UK)in your shopping basket.

Didn’t I tell you this would be fun? LOL
So, how do you get started?

Click Here and join for free!!!

Stay tuned there will be more offers. and remember the gal who brings you all the cool programs on the net

You get cash back for shopping at many of your favorite online stores. Many of the stores, you may already shop at already.

Do you want to earn more cash? I know you want to ;P…

you can refer friends and build yourself a downline. Let them benifit and save from the purchases they make already too.

This program is free to join so sign up now. And please, remember the the gal the leads you to the best online money saving programs on the NET!!!

Happy Shopping xoxo

This program is free to join, free to participate, share it with your friends to earn more points and rewards. Take out your wallet, gather up all your reward cards and sign up today. If you are in Canada, don’t be shy, you can still join and participate. Although, I found many of the programs catering to Americans.

Many of the participating reward partners include:

Airlines: American Airlines AAadvantage, Aeroplan, BMI… and Many More.

Love to Tavel?: Choice Hotels, CruisePoints, Marriott, Priority Club Rewards… and Many More.

Do More With Your Money: American Express, Futura and Starbucks Card Duetto Visa.

Shop Till You Drop: HBC Rewards, Hotspex, PhoneHog.com, Esso extra… and More.

Do even more with your reward programs…. 

 Swap your point between all your reward programs.

Earn more points from shopping online.

Buy points to get to the great rewards even FASTER!

Share your points between your friend and family.

Redeem your points for cool gift certificates.

When I wrote “shop till you drop”, I really meant it. When you redeem your points for gift certificates, shop at some of the hottest places like:

Amazon.com
Best Buy
Sears
GAP
Home Depot
Macy’s
TJ Maxx
Marriot
Carnival Fun Ships
Red Lobster
Starbucks
Barnes & Noble
CD Universe
…And Many More

Are you ready to start swapping, earning, buying, sharing and redeeming?
Become a Gold Member NOW!!