Long lines, limited quantities, and outrageous hours are just a handful of reasons to avoid Black Friday completely, but those sales are just too great to resist. What if I told you there was a way to get all the savings of Black Friday without braving the mobs? I’ve got some great news for you: many credit card companies offer a service to match prices up to 30 days or more after making a purchase! Companies like Citi and Discover offer this feature to their customers at no additional cost, and it can save you lots in addition to other offers like cash back or points.
This guy scored a sweet doorbuster online during his lunch break on a Tuesday.
(Photo: Garry Knight / Flickr)
The premise is pretty simple, and I’ll cover the process for Citi cards, but it is almost the same for any card that offers this service. First, you’ll want to identify the item you know will be on sale, and make the purchase. We suggest checking out some of this year’ biggest items like iPads, the Furby Boom, and this crock pot. It doesn’t matter where you make your purchase, but try looking for places that are having sales like “Free gift card with purchase” – Citi doesn’t take into account rebates or other offers, just the price you paid with the card. Be careful though, everything about the item needs to be the same, especially model numbers and included accessories.
This is where we take Black Friday planning to the next level. Simply check out the circulars of your favorite stores like Best Buy, Walmart, and Macy’s to locate the best sale price you can find. Citi’s “Price Rewind” service offers to search out the best price for you, but it’s always a good idea to look for yourself in case they miss the best deal. Once you find the best price, log into your Citi card account, submit your request by entering in some information about the purchase including the item, purchase price, a scan of the receipt, and a picture of the better price. Now just sit back and wait for your claim to be approved. When approved, you’ll see your account credited for the difference – and you just got the Black Friday deal before Black Friday.