I am in the middle of planning the presentation for our next batch of community events. In the past, attendees have asked questions about how to maximize cashback — and the community has given amazing answers.
So please, share your tips! If they’re good, I will include them in our cross-country events tour!
To maximize cashback on grocery, head to the store instead of ordering online.
How does that work? I always order my stuff online and get the full 7%.
I do it on Walmart app and get 1%
Sulabh Bansal
+1 (647)-871-9560
Great context! Walmart online sends the Wholesale Mastercard code. Walmart stores send either the Grocery code OR the Wholesale code, I think it depends on what they sell the most of.
If you shop at Walmart, you need to know which code your store sends.
My main tip is to just be aware of what counts, and what doesn’t, and maximize the ones that do count. For example, I have to pay a small fee for my water/garbage pick-up monthly bill to pay by credit card, but the small fee is still way less then the 5% cashback.
Keep a note on your phone what the percentages are for what categories until you know it by heart lol
Use the card that gives you the highest rewards for whatever you’re buying.
Hi Grant,
I can speak from experience and I will share one way I maximize my cashback rewards.
In particular, the NEO Elite MC has a section on the app available for extra rewards. For example, purchases made at some merchants will you give you a higher percentage cash back that is pretty much unheard of. I have attached screenshots shots of what shows on my app to make sense of it. Let me know if this helps.
Thank you,
Vanessa
Good to know this! I wonder if there are similar issues for other grocery retailers as well.
You have mapped out the best deals and are crushing it! The Second Cup one is new too, they must be jazzed to have so much of your business now.
Most work like you’d expected, from what I can see. Walmart is weird. Costco is never considered grocery, although the actual Costco card is (arguably) bad at Costco anyway, so you don’t have a ton of options.
If you like Costco, you can use their Instacart and get 5% back, I’ve heard users do that.
Same with Costco…would love to have it count as grocery
If I know I’m not maximizing my monthly cashback, I get gift cards for Amzon or others that I use often
Giftcards are a great trick, unless you’re already hitting the grocery cap.
