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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: Halfpoint Images/Getty Images April 30, 2021 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Ted Rossman is a senior industry analyst at Bankrate.com. He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores. Antonio Ruiz-Camacho is senior director of content for and . He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration. Bankrate logo

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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo

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Online shopping

My favorite way to save on e-commerce purchases is to click through an online shopping portal. Some credit card issuers (such as Chase, Capital One and Wells Fargo) offer these, as do many airlines (including , , United Airlines and more). There are also a host of shopping portals that aren’t tied to a specific card or airline. Popular examples include , , Top Cashback and BeFrugal. The way it generally works is that you log into one of these sites and then click through to a retailer’s website and shop normally from there. That simple act of using their link—which is an affiliate marketing play—can score you considerable cash back, airline miles or other rewards points. You can use a site like CashbackMonitor.com to see which sites offer the best deals at different websites. Or if you’re particularly loyal to a certain credit card or airline, you can focus on their portal to earn cash back, points or miles in that currency. The best part is that these savings are stackable. You can combine your savings from an online shopping portal with a store coupon and a rewards credit card. That’s three ways to save on the same purchase! It’s easy to find Mother’s Day-themed categories. For instance, Rakuten is running . These include 10 percent cash back from Olay, ULTA Beauty and Nike. I frequently use , and I recently scored an extra 20 percent cash back at SendFlowers.com. I also got 20 percent cash back via a recent Etsy purchase I made through the Google Pay app. There are tons more savings opportunities out there.

Card-linked offers

American Express, Chase and Wells Fargo are among the credit card brands that offer card-linked offers—essentially digital coupons that you load onto your card. I just checked out my and found $10 off a $35+ purchase at Teleflora.com. Another good one for Mother’s Day is an extra 4 percent cash back on Ann Taylor purchases up to $150. These, too, are stackable with store coupons and typical credit card rewards categories.

Standard rewards categories with Mother s Day appeal

If you’re taking mom out for a meal, pay with one of the . Top cards include the , the and the . Don’t forget about retail credit cards, either. The , the Target RedCard and the all give up to 5 percent cash back on purchases made from those respective retailers, and all three sell just about everything. Other stores that mom might love—and that give you 5 percent cash back when you use their card at their stores – include Best Buy, Gap and T.J. Maxx.

Think outside the box

The gives 5 percent cash back at home improvement stores and gas stations from April 1 through June 30, 2021 (activation is required and the rate applies on up to $1,500 in purchases; cardholders earn 1 percent cash back after that). These aren’t classic Mother’s Day categories, but home improvement stores have a lot of great gift ideas ranging from spring flowers to home furnishings and more. And often sell gift cards from dozens of other merchants. You could give one directly to mom, or you could buy her something using a gift card that you got at a discount. Many grocery stores also have gift card racks. Among the , my favorite is the . It gives 6 percent cash back on up to $6,000 in annual spending at U.S. supermarkets, then 1 percent cash back after that.

The bottom line

As long as you’re spending money, you would have spent anyway, credit card rewards represent free money. Use these strategies to defray some of your Mother’s Day costs by earning extra cash back, points or miles. Have a question about credit cards? Email me at [email protected] and I’d be happy to help. The information about the Capital One Savor Cash Rewards Credit Card, Amazon Prime Rewards Visa Signature card, Target RedCard , and Capital One Walmart Rewards Mastercard has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer. SHARE: Ted Rossman is a senior industry analyst at Bankrate.com. He focuses on the credit card industry and helps consumers maximize rewards, get out of debt and improve their credit scores. Antonio Ruiz-Camacho is senior director of content for and . He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration.

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