You likely have access to multiple money-saving perks you may be ignoring or not even aware of. Many people miss easy benefits from credit card rewards and employer programs. These simple extras can lower everyday costs and help your money go further.
Credit Card Price Protection
Some credit cards offer price protection, which refunds you the difference if something you buy goes on sale shortly after your purchase. Many people forget this feature exists or do not bother submitting a claim. Checking your card’s benefits and keeping your receipts can easily save you money without much effort.
💸 Take Back Control of Your Finances in 2025 💸
Get Instant Access to our free mini course
5 DAYS TO A BETTER BUDGET
Employee Discount Programs
Beyond salary and health benefits, many employers offer discounts on travel, electronics, gym memberships, and even groceries. These programs often go unused simply because workers are unaware of them. Log into your company’s benefits portal or ask HR for a list of available deals—you might be surprised at what’s included.
Cash-Back Shopping Portals
Websites and browser extensions like Rakuten or Honey give you cash back when you shop through their links. It is an easy way to earn money on purchases you were already planning to make. Stacking these rewards with store sales or credit card points can double your savings.
Health Savings Accounts (HSAs)
If you have a high-deductible health plan, an HSA lets you save pre-tax money for medical expenses. The best part is that your balance rolls over every year, and withdrawals for healthcare costs are tax-free. Using an HSA can reduce your taxable income and act as a backup emergency fund for medical bills.
Store Loyalty Rewards
Most people sign up for store rewards programs but rarely take full advantage of them. Points can often be redeemed for discounts, freebies, or even cash back. Combining loyalty programs with coupons or sale prices helps you maximize value every time you shop.
Utility and Energy Rebates
Utility companies and state programs often offer rebates for upgrading to energy-efficient appliances, smart thermostats, or LED lighting. These programs can save you hundreds of dollars upfront and lower your monthly bills. Check your local utility’s website for current rebate options.
Credit Card Rental Car Insurance
When renting a car, many people pay extra for coverage they already have through their credit card. Most travel cards include rental car insurance as long as you use the card to pay for the reservation. Reading your card’s fine print before your next trip can help you skip unnecessary add-ons.
Bank Referral Bonuses
Some banks pay you cash for referring new customers or opening a new account yourself. These bonuses can range from $50 to $500 depending on the promotion. Keeping an eye out for these deals can turn a simple switch into quick extra money.
Free Credit Monitoring Services
Many financial institutions and credit cards now offer free credit score tracking and alerts. These tools help you spot fraud early and understand how your habits affect your score. Using them regularly keeps your credit in good shape and gives you leverage when applying for loans or negotiating interest rates.
Subscription and Membership Perks
Streaming services, warehouse clubs, and phone carriers often bundle extra benefits like free shipping, discounted gas, or partner deals. Many subscribers never use them. Reviewing the perks tied to your memberships can help you decide what’s worth keeping and what’s wasting money.
Taking Advantage of What’s Yours
Saving money is not always about cutting back—it is about using what you already have wisely. Reviewing your accounts, memberships, and benefits regularly can uncover valuable perks that make your budget go further. The savings are already there; you just need to claim them.
This article first appeared on Cents + Purpose.