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Best way to get cashback

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Best way to get cashback

Hey everyone,

So school is coming up and I am in need of a new laptop due to the intensity at which my program is getting this fall. I am looking to take advantage of a sale Best Buy is running currently which is $2,099 (no tax because Delaware is great) for a new MacBook (normally $2500 for the model I want) and with my new discover card I realized I could almost max out my 5% category if I checkout using PayPal and then they will match the 5% at the end of the year. Also I'm selling my old computer for $800 leaving my total cost of $1200 then discover PayPal will give me 5% cashback that puts me at 1,140 and then the additional 5% at end of year put me at $1,080 total for a computer that normally without credit card perks would be $2400.

I'm still debating if this is the smartest deal/decision and am holding off until closer to the end of August (expecting big paycheck from work on the 23rd) But I keep checking the Best Buy site praying this offer doesn't go away. What do you guys think I should do to maximize my cashback given the cards in my signature. Also my next Amex and chase sapphire statement will have my sign up bonuses added so I'm absolutely hype to see a huge bump in UR and MR point Smiley Happy



Very Happily in the garden until June 2020
Goal Cards:
Chase Amazon Prime
Chase Sapphire Reserve
11 REPLIES 11
Mega Contributor

Re: Best way to get cashback

If you are buying online, go through one of the portals to best buy and you will get an extra 1% or so:

 

https://www.cashbackmonitor.com/cashback-store/best-buy/

 

ETA:  Looks like laptops are excluded in some.   Rakuten is interesting though, 3% on everything in the weekly ad.   Is your deal in here?

 

https://www.rakuten.com/ad-scans/bestbuy.com/weekly

Message 2 of 12
Super Contributor

Re: Best way to get cashback

I highly doubt that you’re going to do better than $150 back from Disco on top of the back to school student deal. My Best Buy student actually gets $100 off until August 3rd which drops it to $1999. I got the email about it. 

 

A7FD48B2-ABE7-4406-8A59-14337B28C95E.jpeg

 



01/2019:
10/2019:

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Message 3 of 12
Contributor

Re: Best way to get cashback

@Saeren I got the same email that's what sparked my interest! I actually did a few upgrades so my model would cost $2,099 with the student offer (wanted the intel core i9 processor instead of i7). But still I was figuring between the $100 student offer, and discovers $150 and $800 for selling my old MacBook that's almost 1k in savings. While I don't necessarily NEED a new MacBook as I have access to on campus labs 24/7 if need be, and a computer I built is also at my apartment in case my Mac can't handle the programs I'm running. I'm just thinking in the next year or two when I want to upgrade my Mac, a deal like this isn't going to happen again especially since my current Mac will depreciate more in resell value. BUT discovers next category is Walmart target and amazon so I know I can for sure still get that $150 out of them for that category but I doubt I'll come anywhere near the $1500 cap for the PayPal and restaurant category as I cook a lot while in school to save money. Very on the fence about dropping the $1200 if I don't absolutely need to but knowing these savings won't align like this is pushing me haha



Very Happily in the garden until June 2020
Goal Cards:
Chase Amazon Prime
Chase Sapphire Reserve
Message 4 of 12
Established Contributor

Re: Best way to get cashback

Nothing much to add, but shoutout to Delaware! Yay!

Message 5 of 12
Valued Contributor

Re: Best way to get cashback

40% saved is 60% spent. I never buy laptop before my current one dies.

 

Now if you insist, 10% back (of up to 1500) is probably the best deal you can get from a credit card. You can also get some best buy gift card from cardpool for ~5% cash back. Call best buy first, I don't know how they deal with split transactions involving e gift cards.

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Message 6 of 12
Contributor

Re: Best way to get cashback

I never thought about the gift card idea. Thanks everyone for the suggestions I'm going to wait until September when classes start and see how intense the programs I'll be running are. If it starts to go downhill I have until end of September to still jump on cashback deal or worst option is I forfeit the $100 student offer and use target or amazon to buy the Mac with discovers new October category



Very Happily in the garden until June 2020
Goal Cards:
Chase Amazon Prime
Chase Sapphire Reserve
Message 7 of 12
Established Contributor

Re: Best way to get cashback

I’m also looking at the same Best Buy deal. You might want to check out the Apple student deal. The Best Buy deal is a little better but the Apple student deal runs until the end of September.

 

Waiting is a good idea. As someone who switched to Macs in 2006 and never looked back I think people always overestimate how powerful a computer they need. Wait an see if you really need to upgrade. Here is link to the Apple student deal.

https://www.apple.com/us-hed/shop/back-to-school

 

The prices already reflect the $100 off and you could easily sell the headphones for $150 (I know they say $300 buy no one is buying them at that price). Good luck.

 

 

BECU | Apple | Discover | Key
Message 8 of 12
Community Leader
Super Contributor

Re: Best way to get cashback

Buy a soda and give the cashier a $20Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
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Message 9 of 12
Frequent Contributor

Re: Best way to get cashback


@Bmn5940 wrote:
I never thought about the gift card idea. Thanks everyone for the suggestions I'm going to wait until September when classes start and see how intense the programs I'll be running are. If it starts to go downhill I have until end of September to still jump on cashback deal or worst option is I forfeit the $100 student offer and use target or amazon to buy the Mac with discovers new October category

This is a good idea.  I agree with the poster above that unless you are running some computationally/graphically intensive stuff your current Mac will likely be fine (especially if you can still sell it USED for $800).  It also sounds like you have a rig at home that could run almost anything anyway.

 

Goodluck with classes and good decision to hold your money for a bit!

Message 10 of 12
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