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Coupons & Offers

Coupon Queen: Don’t forget the fine print – Napa Valley Register

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No credit card required.{{featured_button_text}}Jill Cataldo

Jill Cataldo

"Dear Jill, I was making a purchase from a store. There was a promotion on the webpage offering a 10% coupon for my next shopping trip if I purchased online with store pickup.

I did this. After I went to the store to get my items, they said I did not qualify for the coupon because the fine print said the store pickup had to be paid in full online. This store allows you to either pay for your store pickup online or pay in-store when you arrive.

I thought because I had to go to the store in the first place, I would just pay when I got there. When I got there, they pulled up the webpage. It was true, buried in small text, that only orders paid for online would get the coupon.

The only reason I chose store pickup was for that coupon. I don't think this is fair! Please tell me what you would do in this situation.

Megan K." With any kind of promotion, it's essential to read all of the conditions. While a retailer's terms for their offers may seem complex, confusing, or unnecessary, the retailer is still well within its rights to set the terms for its offers.

For whatever reason, your store only wanted to offer the coupon as an incentive to people who completed their transactions on the website versus those who shopped online but paid in-store. It's not always an easy lesson to learn, but I would use this experience as a reminder to carefully read all of the terms on an offer like this. "Dear Jill,

My store had a promotion where you could get a three-pack of soap bars for £2 with a £10 purchase. I also had a £1 manufacturer coupon and was going to put these together for £1 soap after the coupon. I bought other groceries, too, of course.

When I got to the checkout, the cashier scanned my coupon, then looked closer at it. She then gave it back to me and removed the coupon discount from my total! She said the £2 soap discount was 'Not Valid with Any Other Promotion.' I don't think it was right of her to remove this as the coupon scanned fine.

I ended up telling them to keep their soap. Who was right? Stacking a store discount and a manufacturer coupon together can add up to additional savings on the same item.

Most store coupons and manufacturer coupons' terms allow them to be stacked together. However, we do occasionally see text on coupons such as "Not to be combined with other offers." In this case, the store may indeed have had terms for this offer that prohibited the use of coupons with it.

However, since your coupon scanned and was accepted by the register, I would have asked to see the terms of the offer to verify that coupons could not be used on the soap. If these terms were not published for shoppers, either in the circular or on the store's website or app, you could have made a case to have the coupon accepted. "Dear Jill,

I'm not a big fan of rebates. It seems no matter what I do, they get rejected when I send them in. They weren't postmarked in time, or I did not cut the right part of the package off the box, or I sent a copy of the receipt when they wanted the original.

I think companies that offer these rebates make them as hard as possible, so they don't have to pay out. Adrian W." I, too, have had issues with rebates over the years.

Even when I followed the terms to the letter, I've had rebates rejected for reasons like not purchasing a "qualifying item" - when the item in question was the same product advertised as having the rebate. If you participate in rebates, make copies of everything before submission in case your rebate is rejected and you need to follow up with the company. Watch now: how to safely celebrate Halloween during the pandemic

Jill Cataldo would love to hear your thoughts on how this experience may have changed the way you shop and prepare for the unexpected.

Feel free to email her about your experiences at [email protected].

With a weekly newsletter looking back at local history.

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Coupons & Offers

New Mobile Coupon Standard Receives Widespread Support

DALLAS (PRWEB)

In an effort to create a more secure and centralized process for coupon authentication and data exchange, the industry organizations that oversee US grocery coupon standards, JICC (Joint Industry Coupon Council) and ACP (Association of Coupon Professionals) have issued an 'Industry Roadmap' developed by a workgroup that is represented by leaders and experts in all areas of the coupon industry.

The workgroup was tasked with developing a technical solution to offer a digital universal coupon valid across retailers that would not dramatically change current retailer POS technology and overall processes in place, and also ensure that it can mitigate coupon fraud.

The result of this working group is the development of a new application identifier, AI (8112), and the centralized data exchange to support it, including an AI (8112) Universal Positive Offer File. This will be the first singular coupon solution that crosses mediums, verticals and purchase environments. It can be utilized in paper, mobile or e-commerce executions, and in all retail verticals.

This new process gives manufacturers the confidence that regardless of medium, environment or vertical, their coupons will be fraud mitigated and single use executions. The provider of the centralized Universal Positive Offer File is The Coupon Bureau (TCB), a non-profit organization appointed and advised by JICC/ACP.

For manufacturers, this will enable universal mobile delivery and redemption for manufacturer distributed coupons. Having a standardized, industry-wide process for real-time authorization of single-use coupons is an important advancement in order to support innovation and development.

Consumers will benefit from app and wallet compatibility, as well as access to manufacturer coupons that will be redeemable across the retail landscape.

Further, as the Covid-19 pandemic has changed consumer behavior, these standards are helping accelerate the movement towards Touchless Couponing.

In an effort to address fraud-related issues in today's (AI 8110) environment, The Coupon Bureau is also addressing a shorter-term initiative of providing the industry with a turnkey operation to flow manufacturers' Positive Offer Files to the retailer community. This initiative is intended to solve a counterfeit problem estimated to be >£50 Million and growing, by identifying counterfeit offers at point-of-sale for denial or adjudication by the retailer. This is expected to greatly deter the creation and usage of counterfeit coupons until the 8110 identifier is eventually retired.

Regarding this initiative and fraud mitigation, John Morgan, Executive Director of the Association of Coupon Professionals (ACP), commented, "Counterfeit coupons continue to represent a growing problem for the industry, resulting in significant losses to retailers and manufacturers.

Moreover, counterfeiters and fraudsters generally create a negative in-store experience for shoppers by slowing down the check-out process and placing cashiers, and store personnel in difficult situations. The Positive Offer File initiative represents a tremendous breakthrough in stopping counterfeit coupons at the point-of-sale and solving this long-standing problem for both Manufacturers and Retailers."

Industry input, comment and consensus was sought throughout the process. The roadmap for development consists of the following phases:

Phase 1, complete: AI (8112) Lab Testing
Phase 2, in progress: AI (8112) Live in Select Retailers For Pilot
Phase 3, in planning stage: AI (8112) Open Connectivity
Phase 4: After majority retailer connectivity is reached (approximately 70-75%), announce a sunset date for AI (8110).

JICC, ACP, and The Coupon Bureau would like to thank all of the volunteer members and organizations who have participated in developing this new standard and moving the project forward.

For access to the complete Executive Summary and Industry Report, please visit http://www.thecouponbureau.org/

The JICC works to increase efficiency and effectiveness in the development, distribution and redemption of coupons.

It is comprised of retailer and manufacturer executives who oversee coupon programs and is administered by the Consumer Brands Association, FMI, National Association of Chain Drug Stores and National Grocers Association.

The Association of Coupon Professionals is an industry trade organization whose manufacturer, retailer and solution provider members, create a forum that fosters expertise, education, and leadership to enrich the development, distribution, and redemption of coupons, ensuring they remain a viable sales and marketing tool.

The Coupon Bureau is a nonprofit, industry managed organization that is responsible for developing and maintaining the Universal Positive Offer File for manufacturer offer promotions.

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New Harris Teeter e-Vic deals: Halloween candy, Quaker cereal, almond milk, 4-Day Sale

* This post contains affiliate links and we may earn a small commission if you use them. Check your Friday Harris Teeter e-mail for a new set of e-Vic deals! My offers include Quaker cereal, almondmilk, batteries, Rice Krispies Treats and more.

Plus, there is a 4-Day Sale with some super deals through Sunday! Some e-Vic members received an offer for free Chobani Complete yogurt so make sure you check your e-mail to see if you received the freebie. Remember, you can only get those e-Vic offers loaded to your Vic card from Harris Teeter.

Following are the deals I received in my e-mail. You may have received some of these as well or you may have different offers. Weekend Offer valid 9/26-9/27/20: 50% off all Halloween candy and GM Halloween decor.

These deals are valid Sept.

25-29, 2020: Kellogg's Rice Krispies Treats, 8 count, £1.47, limit 4 Coupons: £1/2 coupon from 8/30 RMN, £1/1 coupon from Kelloggsfamilyrewards.com when you redeem 850 reward points

Quaker Life or Toasted Oatmeal Squares Cereal, 18 oz, £1.77, limit 4 - .50/1 coupon from 9/20 SS = .77 Friendly's Dessert Cups, 8.5 oz, £1.97, limit 4 Harris Teeter almondmilk 64 oz or Cage Free White Eggs, 12 count, £1.97, imit 4

Roberts Chicken Salad, 14 oz, £4.97, limit 4 Peet's Coffee, 10-12 oz, £5.97, limit 4 Energizer Lithium Batteries, 4 count, AA/AAA, £3.97, limit 4

Coupons: £1.25 ibotta cash back offer, .75 coupon from 8/16 SS (exp 9/26), .50 HT digital coupon (exp 9/26) Medispo disposable face masks, 12 count, £5.97, limit 4

4-Day E-Vic Sale

These deals are valid Thursday, Sept, 24 - Sunday, September 27, 2020. You have to be an e-Vic member to get these prices.

Sign up with your Vic card on the Harris Teeter website for the free e-Vic program. Smithfield Whole Boston Butt Pork Roast, .97/lb, limit 3 Breyers Ice Cream 48 oz or Talenti Gelato 16 oz

Sale: £1.97, limit 4 Coupon: £2.50/2 coupon from Smart Shopper coupons Total after Talenti coupon = .75

Harris Teeter Shredded Cheese, 6-8 oz, £1.47, limit 9 Pepsi products, 12 pack cans or Bubly, 8 pack cans, £2.97, limit 4

Deals Valid All Week

These deals are valid September 23-29, 2020.

Breakfast Promotion

Save £3 when you spend £10 on any of the following products in the same transaction. Limit 1 per transaction.

Valid 9-23-29, 2020. Harris Teeter breakfast links or patties, 12-16 oz, select, £2 Sargento Sliced cheese, 6-8 oz, £3 - £1/2, .75/2 or .50/2 coupon from 8/30 SS

Thomas English Muffin, 12-13 oz, £3 Nellie's Free Range Large Eggs, 12 count, or butter 8 oz, £3.49 - £1 printable coupon and £1 ibotta offer for butter Harris Teeter CarbMaster or Simple Truth Organic Milk, 64 oz, £3.50

E-Vic Offers

Harris Teeter purified water, 24 pack bottles, £1.97, limit 4

Coke products, 6 pack bottles, £2.47, limit 4 General Mills cereal, select Cheerios, Honey Nut Cheerios, Lucky Charms and Cinnamon Toast Crunch, 812-16.8 oz Sale: £2.47, limit 4

Coupon: £1/2 coupon Smart Shopper coupons link, £1.50/3 coupon from 8/16 SS, £1/2 Savingstar cash back offer Freschetta Pizza, select, £3.97, limit 4 Starbucks coffee, 12 oz bag or 10 count k-cups, £5.97, limit 4

Tide Laundry Detergent, 37 oz, £4.97, limit 2 - £2 coupons from 8/30 PG, 9/27 PG or HT digital coupon

Produce

Kiwi fruit, 4 for £1 Green Cabbage .59/lb Avocados, 2 count bag, .99

Baby cut carrots, 1 lb bag, .99 Iceberg lettuce, .99 each Red seedless grapes, .99/lb

Red, yellow, or orange bell peppers, .99 each Fuji apples, £1.49/lb Simple Truth Organic Baby Carrots, 1 lb bag, £1.50

Eat Smart Broccoli Slaw, 12 oz, £2 Lemons, 1 lb bag, £2 White Mushrooms, 16 oz, £2.49

Broccoli, bunch, £2.50 Sweet corn, £2.50 Fresh Express salads, select, 5 oz, bag, £3

Private Selection Cherry tomatoes, select, £3 Dutch Yellow potatoes, 3 lb bag, £3.50 Organic Sweet Drinking Coconut, 22 oz, £3.50

Red grapefruit, 3 lb bag, £3.99 Sunset Wild Wonders or Angel Sweet Tomatoes, 1.5 lb £4.99 , Floral: Rose Bouquet, 10 stem, £6.99

Meat

Pork Boston Butt Country Style Ribs, value pack, £1.49/lb

Chicken breast, boneless, small pack, BOGO for £1.99/lb

94% Plainville Farms Lean Ground Turkey or Turkey Burgers, 16 oz, BOGO for £2.99 each Niman Ranch ground pork, 16 oz, £3.99 Rotisserie chicken, plain, £4.99 in deli

Harris Teeter Prime Gourmet Burgers, £5.99/lb Snake River Farms Ground Wagyu beef, 16 oz, £5.99 Ribeye steak, boneless, value pack, £6.99/lb

Ribeye steak, small package, £7.49/lb Wild caught East Coast Shrimp, 21-30 count, £8.99/lb Wild caught Swordfish Steaks, £8.99/lb

Wild Caught Tuna Steaks, £8.99/lb Steak-umm Chicken Breast Sandwich Steaks, 6 count, BOGO For £2.24 each Steak-umm Beef Sandwich Steaks, 6 count, BOGO For £2.89 each

Harris Teeter Grilling Sausage Links, 18 oz, £3 Hebrew National Beef Franks, 9.43 - 10.30 oz, £3 Steak-umm Beef Sandwich Steaks, 14 count, BOGO For £5.99 each

Dairy

Breakstone's Cottage Doubles, 4.7 oz, £1

Chobani Greek Yogurt or Flips, 5.3 oz or drinkable yogurt, 7 oz, £1 Coupon: £1/2 HT digital coupon for Flips, £1/4 HT digital coupon Cracker Barrel Cube Cheese, 2 oz, £1

Fage Greek Yogurt, 5.3 - 7 oz, £1 Noosa yogurt, 8 oz, BOGO for £1.25 each Siggi's yogurt or drinkables, 5.3 oz, £1.25 - £1/2 printable coupon

Two Good Yogurt, 5.3 oz, £1.25 - .50 or .75 ibotta cash back offer Eggland's Best Large Eggs, 12 count, £2 - .50/1 or .55/1 coupon from 8/30 SS Country Crock spread, 45 oz tub, BOGO for £2.19 each - £1 Checkout 51 cash back offer

Reddi Wip topping, 6.5 oz, £2.50 Eggland's Best Cage Free Brown Eggs, 12 count, £3 - .50/1 or .55/1 coupon from 8/30 SS Harris Teeter chunk cheese, 16 oz or HT Traders Cracker Cuts, 10 oz, £3.50

Frozen

Harris Teeter garlic bread, 16 oz, BOGO for .99 each

Harris Teeter whipped topping, 8 oz, .99 Birds Eye Steamfresh Vegetables, 10-10.8 oz, select, £1 Harris Teeter steamable vegetables, 12 oz, £1

Harris Teeter frozen waffles, 10 count, BOGO for £1.14 each Lean Cuisine or Stouffer's Entrees, 8-10 oz, £1.49, limit 4 Harris Teeter Sherbet, 48 oz, £2.50

Simple Truth Organic Ice Cream or Simple Truth Keto Pints, 16 oz, £2.50 Celentano Ravioli or Cavatelli, 24 oz o Manicotti, 14 oz, BOGO for £2.99 each Red Baron Pizza, select, £3.50

American Flatbread Pizza, select, £4.99 - £1 ibotta cash back offer TGI Fridays Appetizers, 13-15 oz, BOGO

Shelf Stable

Harris Teeter seltzers or mixers, 1 ltr, .59 Harris Teeter soda, 2 ltr, .59 each

Harris Teeter yellow mustard, 14 oz, BOGO for .74 each Harris Teeter Flavored Mustard, 12 oz, select, BOGO for .99 each Harris Teeter microwave popcorn, 8.7 - 9 oz, £1

Harris Teeter Pretzels, 15 oz, £1 Premier Protein Bars, 2.08 oz, £1 Rice A Roni, select, £1 - £1/4 coupon from 9/13 SS

TastyKake single serve, £1 Theater Box Candy, select, £1 Barilla spaghetti or Penne, 16 oz, £1.25 - £1/4 coupon from HT digital coupons

Cheez-It or Snap'd Crackers, 7.5 - 15 oz, £1.99 - £1/1 coupon from Kelloggsfamilyrewards.com when you redeem 850 points and .50/1 ibotta offer for Snap'd crackers Baguettes in the bakery, 12.5 oz, BOGO for £1.24 each Harris Teeter peaches or pears, 14.5 - 15.25 oz, Pineapple, 20 oz can, £1.25

Simple Truth Organic Pasta, 16 oz, £1.25 Harris Teeter peanut butter, 16 oz, £1.29 Harris Teeter Chips, Curls or Tortillas, select 6.5 - 11 oz, Buy 2 Get 3 Free, limit 10 = £1.39 ro £1.59 each when you buy 5

Stonefire Naan Breads, 7-14 oz, £2.50 - £1 printable coupon = £1.50 Harris Teeter olives, 5.75 - 6 oz, £1.59 Ken's salad dressing, 16 oz, BOGO for £1.69 each - £1/2, £1/1 or £2/1 coupon from 8/23 SS

Nature's Own Perfectly Crafted bread, 22 oz, BOGO for £1.89 each Utz Kettle potato chips, select 8 oz, BOGO for £1.89 each Carrs Crackers, select, BOGO for £1.99 each

Nabisco Toasted Chips or Cheese Crispers, 7-8.1 oz, BOGO for £1.99 each Crystal Light or Country Time drink mix, select, £2 Harris Teeter Grape Juice Blends, 64 oz, £2

Herdez salsa, 16 oz, £2 - £1/2 coupon from Smart Shopper coupons link Simple Truth Organic Fruit & Grain Bars, 7.8 oz, £2 Simple Truth Organic Tea, 20 count, £2

Late July Organic Tortilla Chips, 8-11 oz, BOGO for £2.29 each Entenmann's Little Bites, select, BOGO for £2.49 each - ,50 and .75 ibotta cash back offers Frank's Hot Sauce, 12 oz, £2.50 - £1.50/2 coupon from 9/2- RMN

Harris Teeter honey bear, 12 oz, £2.50 Keebler Chips Deluxe or Sandies cookies, 10.1 - 15.8 oz, £2.50 - .50 ibotta cash back offer Planters peanuts, 16 oz, £2.50 - £1 HT digital coupon

Skinny Pop Chips or Popcorn, 4-5.3 oz, £2.50 Simple Truth Organic Fruit Spreads, 16.5 oz, £2.99 Tostitos, Doritos or Ruffles, Party Size 12-15 oz, £2.99

Harris Teeter k-cup coffee, 12 count, £3.99 Seattle's Best Coffee, 10 count k-cups, £3.99 - £1 printable coupon Simple Truth Organic Peanut Butter, 16 oz, £3.99

Lavazza Coffee, 12 oz bag or 10 count k-cups, BOGO for £4.49 each Simple Truth Organic Coffee, 11 oz bag, £6.99 Kellogg's Cereal, select Froot Loops, Apple Jacks, Corn Pops, Frosted Flakes, Rice Krispies, 10-13 oz

Sale: BOGO Coupons: £1/1 Kellogg's cereal coupon from Kelloggsfamilyrewards.com when you redeem 850 points, various .50-£1/2 coupons and £1/3 Kellogg's cereal coupon from Kelloggsfamilyrewards.com in the Coupons tab, £1/2 coupons from 8/30 RMN, £5 Savingstar cash back offer when you spend £25 on cereal Pompeian Olive Oil, 16 oz, BOGO - .55/1 printable coupon for select products

Sweet Baby Ray's Barbecue Sauce, 18 oz, BOGO Triscuit crackers, select, 3.5 - 8.5 oz, BOGO

Non-Food

Harris Teeter sandwich or snack bags, 30-50 count, £1 Harris Teeter yourhome dryer sheets, 120 count, £2.50

Purex laundry detergent, 150 oz, £6 - £1 coupon from 9/20 SS = £5 Luvs diapers, select jumbo pack, £5.39 - £1/50 coupon from 9/27 PG Huggies Snug & Dry diapers, select, £6.99 - £3/2 coupon from 9/13 SS

. The sale prices above are valid with your Harris Teeter e-Vic reward card at most Raleigh, NC area locations. You can verify the prices for your specific store online at Harris Teeter.com.

The list above is not a guarantee of price.

Harris Teeter Regular Double Coupon Policy Basics

Harris Teeter doubles coupons every day of the week automatically. Coupons with a face value of £0.99 or less are doubled automatically everyday (unless the coupon indicated Do Not Double). Harris Teeter will double up to 20 coupons per day, per household.

Harris Teeter will double up to 3 identical coupons (must have required product to go with each coupon). BOGO sales ring up at half price. If you just buy one, it still rings up at half price.

You can use a coupon on each item in a BOGO deal. So, if you buy 2 items that are BOGO, you can use two coupons (which is a very good thing!). Shoppers cannot use a coupon with a rain check.

Rain checks expire in 60 days. Senior discount: Seniors 60 and older receive a 5% discount every Thursday. Discount applies after coupons are deducted.

Harris Teeter digital e-coupons: Harris Teeter digital coupons are available to load to your Vic card. These digital coupons CANNOT be combined with paper manufacturer's coupons. They will not double.

The official Harris Teeter Coupon Policy can be found on their website.

Harris Teeter Super Doubles Coupon Policy Basics

Harris Teeter offers the Super Doubles Promotion on a regular basis. When they offer the promotion, we will let you know before it starts. During the pandemic, Harris Teeter is not offering Super Doubles events.

* HT should be Super Doubling coupons worth up to £2 face value. This means that a £1.00 coupon will double to £2.00, a £1.50 coupon will double to £3.00 and a £2.00 coupon will double to £4.00! * HT begins super doubling coupons at 7:00 AM on the first day of the sale.

24 hour stores do not super double coupons before 7:00 AM on the first day (at least that is how it has always worked in the past). Your best bet is to get to the store before 7 am if you want to get the freebies and best deals. Some people get there at 6:15 am or earlier and then wait in line until the register allows coupons to begin Super Doubling at 7 am.

* HT will super double/double up to 20 coupons per household per day. Spouse's cards registered with the same address are linked because the policy is 20 per household, per day. If you have twenty £1 coupons and twenty .75 coupons, only 20 total will double.

They will not double 20 coupons that are under £1 and also super double another 20 coupons that are over £1. It's 20 total coupons that are £2 or less doubled per day. * HT policy is to double up to 3 identical coupons (as long as you buy the product required for each coupon, of course).

So, if you have five £1.00 coupons for a product, the policy is to only super double the first three. The other 2 will be accepted at face value. * Printable coupons: HT will accept 3 printable coupons per like item, per store, per day, according to their policy.

So if you buy 3 identical items and you have a printable coupon for each one, you can use all three. * New Raincheck policy as of March 29, 2017: Harris Teeter will no longer let customers combine a raincheck with a coupon for the same item. In addition, rainchecks now expire 60 days after they are issued.

* If your store is out of your favorite deals (and they will be out of some of them) ask the customer service folks when the next truck arrives so you know when they will be restocking. * Enjoy the deals you are able to get and please remember that many of the best deals will sell out quickly. The stores will reorder those items, but often, the warehouse runs out so they cannot get the stock.

Please be nice to the store employees as it is not their fault if items are out of stock.

And if you are excited about your great deals, give Harris Teeter a call at their Customer Service number, send them an e-mail via their website or post a comment to their Facebook page to thank them.

Happy Shopping!

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Coupons & Offers

National Coffee Day: Free coffee, deals from Dunkin’, 7-Eleven, Barnes & Noble, more

National Coffee Day 2020 is on Tuesday, September 29, and that means mug-fulls of free hot coffee for java junkies across the country at Dunkin', Stewart' Shops, 7-Eleven, and great deals on coffee and home coffee brewing equipment from Keurig, Coffee Bean & Tea Leaf and other retailers.

Coffee Day was started in 2005 by the National Coffee Association, according to CouponCabin.com. There's no real significance to the date, but it happens every year on September 29 (and two days later on October 1 in Canada).

>> These are the 27 best coffee houses in Upstate NY, ranked

Here's everywhere you can snag free coffee and more on Tuesday.

FREE COFFEE

Barnes & Noble: Get a free tall hot or iced Starbucks coffee at Barnes & Noble Cafes on September 29. Purchase may be required at some locations. Find a location >>

Circle K: Get a free medium coffee with the Circle K app AND enjoy a free Belvita Breakfast Biscuit with your coffee. Find a location >>

The Coffee Bean & Tea Leaf: Get a free 16-ounce hot or iced coffee with a £2-minimum bakery or food item on National Coffee Day. Find a location >>

Cumberland Farms: On National Coffee Day, customers can text the word COFFEE to 64827 to receive a digital coupon redeemable for a free hot or iced coffee in any size at any of Cumberland Farms' nearly 600 retail locations across the Northeast and Florida. Find a location >>

Dunkin': Dunkin' says it's taking over National Coffee Day this year by renaming it National Dunkin' Day.

Bold move. But what really matters is you can get a free medium hot or iced coffee (with any purchase) at Dunkin' restaurants on Tuesday. Find a location >>

Eight O'Clock Coffee: If you're in the mood to stock up on coffee for a few months £49 on the Eight O'Clock Coffee online store can enjoy a free bag of Pumpkin Spice coffee with the code PUMPKIN49. Order now >>

Godiva: Make any purchase at a Godiva Cafe on Thursday, October 1, and you can get a free 12-ounce coffee with your order. Find a location >>

High Brew Coffee: At 2 p.m. on Tuesday (in every timezone) High Brew Coffee will offer a coupon for digital download that will score you a free 8 oz. can of coffee (worth £2.99). The offer can also be used at stores like Whole Foods, Target and more.

The coupon will be available on High Brew's website and Instagram story.

Krispy Kreme: One free cup of brewed coffee, one free original glazed doughnut, no purchase necessary on National Coffee Day. Find a location >>

Sheetz: Get a free cold brew coffee in any size and flavor when you order through the Sheetz app on Tuesday, Sept.

29. Find a location >>

Speedway: Get a free 16-ounce coffee from 6 a.m. to 6 p.m. on September 29. Find a location >>

Stewart's: Enjoy FREE hot, iced or cold brew coffee from 12 pm until close on Tuesday at all Stewart's Shops locations.

No purchase necessary. Find a location >>

DEALS

7-Eleven: 7-Rewards members can get any size coffee for just £1 on National Coffee Day. Find a location >>

Humblemaker Coffee Co.: Use the code COFFEEDAY50 for 50% off orders on National Coffee Day. Shop now >>

Kroger: Through October 6, get 20% off select coffee products shipped by Kroger. Shop now >>

Trade Coffee: Get 30% off your first order and free shipping always when you subscribe to a coffee delivery box from Trade Coffee. Shop now >>

Yeti: Get free ground shipping when you order drinkware and coolers from Yeti.com. Shop now >>

NEED MORE COFFEE?

These other online vendors don't have official National Coffee Day deals or offers, but if you need to stock up or upgrade your coffee supplies, give them a look:

Blue Bottle Coffee >>

Coffee Blenders >>

Driftaway Coffee >>

Food 52 >>

Keurig >>

Le Creuset >>

Sur La Table >>

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Coupons & Offers

Industry group working to phase out barcode-based coupons

The Coupon Bureau is developing a universal digital coupon. The non-profit, industry-managed coupon data exchange technology platform that works with many of the largest CPG manufacturers and retailers is creating a singular, centralized database of offers for use across paper, mobile, or online commerce. Known as the Universal Positive Offer File, the database has moved into the next phase of development. 

The Universal Positive Offer File will leverage the Hedera Consensus Service (HCS) to create a universal digital coupon for the retail industry. The universal digital coupon will feature a new coupon application type, known as AI (8112), that will enhance coupon security and reduce fraud.  The move to a new universal digital coupon standard will see the phasing out of the existing legacy coupon type AI (8110) based on barcodes, once a majority of retailers are compatible with the AI (8112) type format.

Every coupon generated will have a digital fingerprint on the HCS, a decentralized public network governed by global technology companies including Google and IBM.  When a coupon is redeemed, it will also be recorded on HCS, so it cannot be used again or reproduced. This system will allow for online couponing, not currently available under the current coupon standard.

In addition, the activities of the centralized data exchange all pass through HCS for verifiability. The Coupon Bureau expects to integrate with upwards of 70% of grocery retailers by 2021. "The COVID-19 outbreak has required the coupon and retail industry to find innovative ways to meet consumers' changing behavior, especially in the context of dramatically rising e-commerce sales and online deliveries," said Brandi Johnson, CEO of The Coupon Bureau. "There has never been a more urgent need for a universal digital coupon that crosses retail mediums, verticals and purchase environments, to provide consumers and retailers with the added layer of trust to serve their needs.

Today, we are proud to roll out the roadmap for sunsetting old coupon formats, and delivering a cohesive couponing experience for both retailers and consumers."

The Coupon Bureau's mission is to connect manufacturers, retailers, and consumers through technology and community, and to build solutions to the issues of real-time validated, retailer-agnostic coupons and fraud prevention.

A non-profit corporation, TCB works with members of leading coupon and retail associations - ACP, JICC, FMI (The Food Industry Association), GMA, CONEXXUS, Consumer Brands Association, and GS1 US - to develop new technology, support third-party technologists, and deploy educational programs for industry stakeholders.

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Epic Games Store Offers $10 Coupon With Free Rocket League Download

PCMag editors select and review products independently.

We may earn affiliate commissions from buying links, which help support our testing. Learn more.

Not only is the game now free-to-play, Epic gives you credit towards another purchase just for downloading it.

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The Coupon Bureau and Hedera Hashgraph Move to Next Phase in Delivering Universal Digital Coupons

DALLAS, Sept.

24, 2020 /PRNewswire/ -- The Coupon Bureau (TCB), a non-profit, industry managed coupon data exchange technology platform that works with many of the largest consumer product goods (CPG) manufacturers and retailers, has moved into the next phase of development of its Universal Positive Offer File, which will leverage the Hedera Consensus Service (HCS) to create a universal digital coupon for the retail industry. The new universal digital coupon will provide a standardized and secure mechanism for coupon distribution by utilizing a singular centralized database of offers, which can be used across paper, mobile, or online commerce. "The COVID-19 outbreak has required the coupon and retail industry to find innovative ways to meet consumers' changing behavior, especially in the context of dramatically rising e-commerce sales and online deliveries," said Brandi Johnson, CEO of The Coupon Bureau. "There has never been a more urgent need for a universal digital coupon that crosses retail mediums, verticals and purchase environments, to provide consumers and retailers with the added layer of trust to serve their needs.

Today, we are proud to roll out the roadmap for sunsetting old coupon formats, and delivering a cohesive couponing experience for both retailers and consumers." The universal digital coupon will feature a new coupon application type, known as AI (8112), that will enhance coupon security and reduce fraud. Every coupon generated will have a digital fingerprint on the Hedera Consensus Service.

When a coupon is redeemed, it will also be recorded on HCS, so it cannot be used again or reproduced. This allows for online couponing, not currently available under the current standard. In addition, the activities of the centralized data exchange (UPOF) all pass through HCS for verifiability.

More information on how the integration works can be found at https://www.thecouponbureau.org/trustlayer. The move to a new universal digital coupon standard will see the phasing out of the existing legacy coupon type AI (8110) based on barcodes, once a majority of retailers are compatible with the AI (8112) type format. The sharp rise in touchless commerce since the COVID-19 outbreak is expected to hasten retailers' plans to become 8112 compatible. The Coupon Bureau is projected to be integrated with upwards of 70% of grocery retailers in 2021.

"Working with The Coupon Bureau has made clear the benefits of implementing a standardized framework for coupon usage that puts innovation and security at the heart of the coupon industry. Their work to deliver a standardized universal digital coupon across the industry will increase the accuracy of offer validation and increase efficiency through the centralized data usage," said Mance Harmon, CEO and Co-founder of Hedera Hashgraph. "We are delighted that they have selected to use HCS, the only service capable of delivering the throughput, visibility and security features the industry needs to deliver this next-generation of coupons to customers." About The Coupon Bureau

The Coupon Bureau's mission is to connect manufacturers, retailers, and consumers through technology and community, to build solutions to the issues of real time validated, retailer agnostic coupons and fraud prevention. A non-profit corporation, TCB works with members of leading coupon and retail associations - ACP, JICC, FMI (The Food Industry Association), GMA, CONEXXUS, Consumer Brands Association, and GS1 US - to develop new technology, support third-party technologists, deploy educational programs for industry stakeholders, and give back to the community. For more information visit www.thecouponbureau.org.

About Hedera Hedera is a decentralized public network on which developers can build secure, fair applications with near real-time finality. The platform is owned and governed by a council of the world's leading organizations including Avery Dennison, Boeing, Deutsche Telekom, DLA Piper, FIS (WorldPay), Google, IBM, LG Electronics, Magalu, Nomura, Swirlds, Tata Communications, University College London (UCL), Wipro, and Zain Group.

For more information, visit www.hedera.com, or follow us on Twitter at @hashgraph, Telegram at t.me/hederahashgraph, or Discord at www.hedera.com/discord. The Hedera whitepaper can be found at www.hedera.com/whitepaper. For Media Enquiries 
Zenobia Godschalk 
E: [email protected] 
T: 1.833.794.7537 x 717

Emily Kielthy 
E: [email protected] 
T: +353 87 097 2754

SOURCE Hedera Hashgraph

Categories
Coupons & Offers

Agawam Library offers Boston Children’s Museum Weekend Passes

Agawam - The Agawam Library announces the immediate availability of Boston Children's Museum weekend passes, graciously provided by the Friends of the Agawam Library. These are available to reserve by Agawam and Feeding Hills residents 18 and older, with a CW/MARS library card in good standing. Each pass is valid only for the date listed and admits 4 people free of charge.

After receiving a library discount coupon from the library, patrons must then reserve their visit online with Boston Children's Museum.

New Instructions for Patrons!

Visit https://www.bostonchildrensmuseum.org/ticketing

Review the directions for timed tickets

Click on the "Discount Programs" & drop down arrow

Click on "Half Price Library Timed Ticket " to book

The date on the Library Discount Coupon must match the date of the patron's visit.

Once arriving at the Museum, visitors will proceed to the Admissions Scanning Station with their online reservation and the date specific Library Discount Coupon received from the library. Patron can present these digitally on a hand held device or as a paper print out.

Patrons with questions about the online ordering system should contact [email protected]

As venues reopen to the public, it is important to contact the zoo or museum you wish to visit, as each one has a different process for securing a time slot.

Please visit the library's website at www.agawamlibrary.org for availability.

Categories
Coupons & Offers

Get a head start on holiday saving with these helpful tips

With the holiday season less than 100 days away, it's already time to start preparing your shopping list. While 2020 has certainly not met anyone's expectations, there are traditions we all want to hold onto and make special for loved ones -- even if your budget has changed considerably this year. A little bit of planning can go a long way when preparing for the holiday season, a time that often results in people spending beyond their means.

Last year, Americans racked up more than £1,000 in holiday debt, according to MagnifyMoney's annual post-holiday debt survey. Of the respondents, 78% reported that they wouldn't be able to pay off their credit cards by January, and 15% said they could only make minimum payments. No matter how ready we think we are for the holiday season, December always seems to arrive at lightning speed.

This year, Americans made record gains in paying off credit card debt as a result of stay-at-home orders and the recession. And since the holidays might look a little bit different this year, with smaller gatherings and more time at home, it might be the perfect time to put a new plan in place with the goal of avoiding a big credit card balance come January 1. Below, CNBC Select offers 5 steps to help you prepare financially for the holidays.

1.

Make a list

Start with a list of everyone you usually buy gifts for, from your mother-in-law to your cousin's kids. If you don't know what you want to buy them yet, you can simply assign them a price range. At this stage, it's best to overestimate a little to account for tax and shipping fees.

After you have your list of gift recipients, begin to think about other costs associated with the holidays. Will you be sending Christmas cards this year? Are you hosting Thanksgiving?

Even if you're planning a smaller get together, it's important to consider the costs early.  This is also a good time to start planning your holiday travel. While many people might choose to stay closer to home because of Covid-19, you could find yourself taking more day trips, or even driving long distances by car.

Include any estimated travel costs in your list of holiday expenses.

2. Build a budget and start saving

After you make a list of your upcoming expenses, look at your current budget so you can make a plan for how to pay for everything. Now is a good time to start stashing extra cash so you can be ready for the additional spending, either in your current savings account or in a new account designated just for the holidays. 

The Ally Online Savings Account is a good choice for when you want to create separate savings "buckets" all within one savings account. Account holders can organize their saving goals by creating up to 10 different funds within the same savings account. For instance, you could create a bucket for holiday gifts and another for upcoming travel.

Ally Bank Online Savings Account

Ally Bank Online Savings Account

On Ally Bank's secure site

  • Annual Percentage Yield (APY)

  • Minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle

  • Excessive transactions fee

    £10 per transaction

  • Overdraft fees

  • Offer checking account?

  • Offer ATM card?

    Yes, if have an Ally checking account

Pros

  • Strong annual percentage yield on all balance tiers
  • No minimum balance
  • No monthly fees
  • Up to 6 free withdrawals or transfers per statement cycle
  • Option to add a checking account
  • ATM access if you have a checking account

Cons

  • £10 fee per transaction if you make more than 6 in a statement cycle
  • £25 overdraft fee

"Start setting aside a small amount from each paycheck now for holiday spending," Texas-based certified financial planner, Brandon Renfro tells CNBC Select. "Spreading the savings out over several months will make it easier to absorb into your budget, and limiting yourself to spending the balance will keep you from going into debt when the holidays come."

3.

Use coupons

While you can certainly still find paper coupons in your mailbox and newspaper inserts, the definition of coupon has changed a bit in recent years. There's an easier, faster way to search for discounts that doesn't require scissors: using a browser extension for online shopping. One of the most popular browser coupon extensions is Honey.

When you're checking out at nearly any online store, Honey automatically scans the web for coupon and promo codes and finds you the best savings before you click "Buy." The service is free, and you can even earn Honey rewards in the form of cash back on purchases over time. Other services include Rakuten, which is like Honey but features rotating cash-back offers; Pricescout, which comparison shops to find you the best price; Gumdrop by Goodshop which helps you locate deals and donates a portion of eligible purchases to a school or nonprofit; and Coupon Cabin, which gives you price-saving tips based on your Google searches. (These extensions are compatible with Google Chrome.)

4. Get a 0% APR card with rewards

If cash is tight right now and you want to pay off your holiday purchases over the course of 12 months or more, consider applying for a card with introductory 0% APR.

You need to have good to excellent credit to qualify for a no-interest credit card. Using a card with introductory 0% APR gives you a temporary period of time to pay off your bigger holiday purchases without incurring any interest fees. Usually, the no-interest period lasts 12 to 18 months (with a few exceptions), after which you'll start paying normal APR on your balance.

You still have to pay the minimum during the intro period. Right now, one of the best credit cards with 0% APR offer is the Chase Freedom FlexSM. It offers a competitive cash-back program in addition to its special financing that can help you earn additional money on what you spend.

The cash-back calendar changes every quarter, but from October through December cardholders can earn 5% cash back on up to £1,500 in Walmart and Pay Pal purchases. (Learn more about how Chase classifies bonus category purchases.) On top of its cash-back rewards, the Chase Freedom Flex comes with a current welcome bonus that's especially helpful for holiday shopping: Earn a £200 bonus after you spend £500 on purchases in the first 3 months from account opening, plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to £12,000 spent in the first year. If you plan on hosting a holiday gathering, this might be the card to consider. 

Chase Freedom FlexSM

Chase Freedom FlexSM

On Chase's secure site

  • Rewards

    5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to £12,000 spent in the first year, 5% cash back on up to £1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards(R) portal, 3% cash back on dining and at drug stores, 1% cash back on all other purchases

  • Welcome bonus

    £200 cash back after you spend £500 on purchases in your first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 15 months on purchases

  • Regular APR

    14.99% to 23.74% variable

  • Balance transfer fee

    Either £5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

    Excellent/Good

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Long intro 0% APR period for purchases

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions
  • Estimated rewards earned after 1 year: £814
  • Estimated rewards earned after 5 years: £2,647

Rewards totals incorporate the cash back earned from the welcome bonus

If your credit score is hovering between fair and good, but you want to apply for a 0% APR card before December, consider signing up for  Experian Boost.

The service is completely free and allows you to get credit for paying some utility and telecommunication bills on time (think cell phone bill, Netflix and/or internet). On average, users see a 13-point increase in their FICO Score, making them more competitive for rewards cards with premium perks.

5. Sign up for credit monitoring

One of the downsides of holiday shopping is that it deviates from our normal behavior and makes it easier for fraudsters to get personal information. Since most of us are doing more online shopping than normal, a large purchase might go undetected.

And since we're all so busy, we might not check our credit card statements as closely as we should. To put your mind at ease, sign up for a credit monitoring service and set up alerts on your credit cards. While credit monitoring services cannot prevent fraud, they will alert you as soon as a red flag shows up on your account.

CNBC Select reviewed the top free and paid credit monitoring services, and IdentityForce(R) UltraSecure and UltraSecure+Credit ranked as the best paid services. They offer the most extensive security features, which monitor your information on more than just shopping sites. This includes the dark web, court records and social media (where a lot of phishing and scam posting happens).

If something looks off, you'll receive alerts for potential fraud on your bank, credit card and investment accounts, as well as the use of your medical ID, social security number and address.

IdentityForce(R) UltraSecure and UltraSecure+Credit

IdentityForce(R) UltraSecure and UltraSecure+Credit

On Identity Force's secure site

  • Cost

    2 months free on all annual plans UltraSecure: £8.99/mo, £89.90/yr UltraSecure+Credit: £19.99/mo, £199.90/yr

  • Credit bureaus monitored

    Experian, Equifax and TransUnion

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

    Yes, up to £1 million

See our methodology, terms apply. To learn more about IdentityForce(R), visit their website or call 855-979-1118. 

If you want to start with a free credit monitoring service, CreditWise(R) from Capital One is a good choice that doesn't require you to enter a credit card number to sign up. It's open to anyone, whether or not you are a Capital One account holder.

When you sign up, you'll receive an updated VantageScore credit score from TransUnion every week along with credit report updates from TransUnion and Experian in real time.

CreditWise also offers dark web scanning and social security number tracking.

CreditWise(R) from Capital One

CreditWise(R) from Capital One

Information about CreditWise has been collected independently by CNBC and has not been reviewed or provided by the company prior to publication.

  • Cost

  • Credit bureaus monitored

    TransUnion and Experian

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

To learn more about IdentityForce(R), visit their website or call 855-979-1118.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff's alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Categories
Coupons & Offers

How to Get a Head Start on Holiday Saving

With the holiday season less than 100 days away, it's already time to start preparing your shopping list. While 2020 has certainly not met anyone's expectations, there are traditions we all want to hold onto and make special for loved ones -- even if your budget has changed considerably this year. A little bit of planning can go a long way when preparing for the holiday season, a time that often results in people spending beyond their means.

Last year, Americans racked up more than £1,000 in holiday debt, according to MagnifyMoney's annual post-holiday debt survey. Of the respondents, 78% reported that they wouldn't be able to pay off their credit cards by January, and 15% said they could only make minimum payments. No matter how ready we think we are for the holiday season, December always seems to arrive at lightning speed.

This year, Americans made record gains in paying off credit card debt as a result of stay-at-home orders and the recession. And since the holidays might look a little bit different this year, with smaller gatherings and more time at home, it might be the perfect time to put a new plan in place with the goal of avoiding a big credit card balance come January 1. Below, CNBC Select offers 5 steps to help you prepare financially for the holidays.

1.

Make a list

Start with a list of everyone you usually buy gifts for, from your mother-in-law to your cousin's kids. If you don't know what you want to buy them yet, you can simply assign them a price range. At this stage, it's best to overestimate a little to account for tax and shipping fees.

After you have your list of gift recipients, begin to think about other costs associated with the holidays. Will you be sending Christmas cards this year? Are you hosting Thanksgiving?

Even if you're planning a smaller get together, it's important to consider the costs early.  This is also a good time to start planning your holiday travel. While many people might choose to stay closer to home because of Covid-19, you could find yourself taking more day trips, or even driving long distances by car.

Include any estimated travel costs in your list of holiday expenses.

2. Build a budget and start saving

After you make a list of your upcoming expenses, look at your current budget so you can make a plan for how to pay for everything. Now is a good time to start stashing extra cash so you can be ready for the additional spending, either in your current savings account or in a new account designated just for the holidays. 

The Ally Online Savings Account is a good choice for when you want to create separate savings "buckets" all within one savings account. Account holders can organize their saving goals by creating up to 10 different funds within the same savings account. For instance, you could create a bucket for holiday gifts and another for upcoming travel.

Ally Bank Online Savings Account

Ally Bank Online Savings Account

On Ally Bank's secure site

  • Annual Percentage Yield (APY)

  • Minimum balance

  • Monthly fee

  • Maximum transactions

    Up to 6 free withdrawals or transfers per statement cycle

  • Excessive transactions fee

    £10 per transaction

  • Overdraft fees

  • Offer checking account?

  • Offer ATM card?

    Yes, if have an Ally checking account

Pros

  • Strong annual percentage yield on all balance tiers
  • No minimum balance
  • No monthly fees
  • Up to 6 free withdrawals or transfers per statement cycle
  • Option to add a checking account
  • ATM access if you have a checking account

Cons

  • £10 fee per transaction if you make more than 6 in a statement cycle
  • £25 overdraft fee

"Start setting aside a small amount from each paycheck now for holiday spending," Texas-based certified financial planner, Brandon Renfro tells CNBC Select. "Spreading the savings out over several months will make it easier to absorb into your budget, and limiting yourself to spending the balance will keep you from going into debt when the holidays come."

3.

Use coupons

While you can certainly still find paper coupons in your mailbox and newspaper inserts, the definition of coupon has changed a bit in recent years. There's an easier, faster way to search for discounts that doesn't require scissors: using a browser extension for online shopping. One of the most popular browser coupon extensions is Honey.

When you're checking out at nearly any online store, Honey automatically scans the web for coupon and promo codes and finds you the best savings before you click "Buy." The service is free, and you can even earn Honey rewards in the form of cash back on purchases over time. Other services include Rakuten, which is like Honey but features rotating cash-back offers; Pricescout, which comparison shops to find you the best price; Gumdrop by Goodshop which helps you locate deals and donates a portion of eligible purchases to a school or nonprofit; and Coupon Cabin, which gives you price-saving tips based on your Google searches. (These extensions are compatible with Google Chrome.)

4. Get a 0% APR card with rewards

If cash is tight right now and you want to pay off your holiday purchases over the course of 12 months or more, consider applying for a card with introductory 0% APR.

You need to have good to excellent credit to qualify for a no-interest credit card. Using a card with introductory 0% APR gives you a temporary period of time to pay off your bigger holiday purchases without incurring any interest fees. Usually, the no-interest period lasts 12 to 18 months (with a few exceptions), after which you'll start paying normal APR on your balance.

You still have to pay the minimum during the intro period. Right now, one of the best credit cards with 0% APR offer is the Chase Freedom FlexSM. It offers a competitive cash-back program in addition to its special financing that can help you earn additional money on what you spend.

The cash-back calendar changes every quarter, but from October through December cardholders can earn 5% cash back on up to £1,500 in Walmart and Pay Pal purchases. (Learn more about how Chase classifies bonus category purchases.) On top of its cash-back rewards, the Chase Freedom Flex comes with a current welcome bonus that's especially helpful for holiday shopping: Earn a £200 bonus after you spend £500 on purchases in the first 3 months from account opening, plus 5% cash back on grocery store purchases (excluding Target and Walmart) on up to £12,000 spent in the first year. If you plan on hosting a holiday gathering, this might be the card to consider. 

Chase Freedom FlexSM

Chase Freedom FlexSM

On Chase's secure site

  • Rewards

    5% cash back on grocery store purchases (not including Target(R) or Walmart(R) purchases) on up to £12,000 spent in the first year, 5% cash back on up to £1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards(R) portal, 3% cash back on dining and at drug stores, 1% cash back on all other purchases

  • Welcome bonus

    £200 cash back after you spend £500 on purchases in your first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 15 months on purchases

  • Regular APR

    14.99% to 23.74% variable

  • Balance transfer fee

    Either £5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

    Excellent/Good

Pros

  • No annual fee
  • Generous welcome bonus
  • Opportunity to earn up to 5% cash back in select categories upon activation
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Long intro 0% APR period for purchases

Cons

  • Bonus categories must be activated each quarter
  • 3% fee charged on foreign transactions
  • Estimated rewards earned after 1 year: £814
  • Estimated rewards earned after 5 years: £2,647

Rewards totals incorporate the cash back earned from the welcome bonus

If your credit score is hovering between fair and good, but you want to apply for a 0% APR card before December, consider signing up for  Experian Boost.

The service is completely free and allows you to get credit for paying some utility and telecommunication bills on time (think cell phone bill, Netflix and/or internet). On average, users see a 13-point increase in their FICO Score, making them more competitive for rewards cards with premium perks.

5. Sign up for credit monitoring

One of the downsides of holiday shopping is that it deviates from our normal behavior and makes it easier for fraudsters to get personal information. Since most of us are doing more online shopping than normal, a large purchase might go undetected.

And since we're all so busy, we might not check our credit card statements as closely as we should. To put your mind at ease, sign up for a credit monitoring service and set up alerts on your credit cards. While credit monitoring services cannot prevent fraud, they will alert you as soon as a red flag shows up on your account.

CNBC Select reviewed the top free and paid credit monitoring services, and IdentityForce(R) UltraSecure and UltraSecure+Credit ranked as the best paid services. They offer the most extensive security features, which monitor your information on more than just shopping sites. This includes the dark web, court records and social media (where a lot of phishing and scam posting happens).

If something looks off, you'll receive alerts for potential fraud on your bank, credit card and investment accounts, as well as the use of your medical ID, social security number and address.

IdentityForce(R) UltraSecure and UltraSecure+Credit

IdentityForce(R) UltraSecure and UltraSecure+Credit

On Identity Force's secure site

  • Cost

    2 months free on all annual plans UltraSecure: £8.99/mo, £89.90/yr UltraSecure+Credit: £19.99/mo, £199.90/yr

  • Credit bureaus monitored

    Experian, Equifax and TransUnion

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

    Yes, up to £1 million

See our methodology, terms apply. To learn more about IdentityForce(R), visit their website or call 855-979-1118. 

If you want to start with a free credit monitoring service, CreditWise(R) from Capital One is a good choice that doesn't require you to enter a credit card number to sign up. It's open to anyone, whether or not you are a Capital One account holder.

When you sign up, you'll receive an updated VantageScore credit score from TransUnion every week along with credit report updates from TransUnion and Experian in real time.

CreditWise also offers dark web scanning and social security number tracking.

CreditWise(R) from Capital One

CreditWise(R) from Capital One

Information about CreditWise has been collected independently by CNBC and has not been reviewed or provided by the company prior to publication.

  • Cost

  • Credit bureaus monitored

    TransUnion and Experian

  • Credit scoring model used

    VantageScore

  • Dark web scan

  • Identity insurance

To learn more about IdentityForce(R), visit their website or call 855-979-1118.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff's alone, and have not been reviewed, approved or otherwise endorsed by any third party.