Previous age is a blessing. It signifies that you simply possess a lifetime of knowledge and experiences.

However, a much less thrilling issue of previous age is the necessity to take remedy usually.

Merck Guide, in an article on Getting older and Drugs put out by Wholesome Residing, states that “Virtually 90% of older adults usually take at the least one prescription drug, nearly 80% usually take at the least two pharmaceuticals, and 36% usually take at the least 5 totally different pharmaceuticals.”

They go on to say that the above outcomes don’t even embrace over-the-counter medicine and dietary dietary supplements, which might enhance the charges exponentially.

What I take from these statistics is that aged adults spend some huge cash at drugstores. We’ve got just one resolution to give you. Utilizing a sound bank card to pay at drugstores, you possibly can earn rewards in your remedy payments.

So you possibly can earn money again or rewards for each greenback you spend at a drugstore. Though it gained’t reduce your drugstore invoice, why not earn rewards on the cash you’re spending anyway?

Allow us to focus on what cashback and level rewards are.

Money Again Versus Rewards

There are a lot of bank cards via which you’ll earn cashback. For instance, with the Financial institution Of America Personalized Money Rewards Credit score Card, you possibly can earn 3% money again per greenback you spend at drugstores. For a $100 drugstore invoice, you possibly can redeem $3 in money again.

The cashback course of is straightforward and doesn’t entail figuring out reward values. The cashback quantity you see on the cardboard is what you get.

Rewards are the opposite sort of earnings you possibly can obtain on a bank card. For instance, with the Citi Customized Money Card, you possibly can earn 5 factors per $1 spent at drugstores. You’ll be able to redeem your ThankYou® Factors for money again at 1 penny per level.

Factors from the Citi Customized Money card can solely be redeemed as money again, however factors from many different playing cards could be redeemed in the direction of journey purchases.

You should use your rewards for motels, flights, sights, automotive leases, and extra.

Clearly, in the event you’re an intensive traveler, it might excite you to earn rewards in the direction of the above-mentioned purchases. Nonetheless, in case your way of life is under no circumstances centered round journey or lodge stays, incomes reward factors is probably not related.

Additionally, relating to factors, it isn’t at all times a matter of what you see is what you get. 1 level could be valued at 1 cent, however much less or greater than that. It will depend on the rewards program the factors are a part of and the way you worth them.

These are the fundamental variations between money again and rewards.

Whether or not you select a card that earns money again on drugstore purchases or one which earns rewards is your resolution to make. Use the above arguments that can assist you determine.

Lastly, let me offer you an inventory of the very best bank card choices. The entire following are nice playing cards to make use of at drugstores.

Citi Customized Money® Card

First up is the Citi Customized Money® Card.

Card Rewards

With the Citi Customized Money® Card, you possibly can earn 5% money again on drugstore purchases.

The rewards on the cardboard are provided as follows. Earn 5% money again on purchases in your prime eligible class every billing cycle, as much as the primary $500 spent per billing cycle, then 1% cashback.

Mainly, every month, Citi will decide the class you spend essentially the most in. For each greenback you spend on these purchases, you’ll earn 5% cashback.

Eligible classes are eating places, fuel stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, dwelling enchancment shops, health golf equipment, and dwell leisure.

The pharmacy class contains “purchases made at pharmacies in grocery shops, common merchandise/low cost superstores, and wholesale/warehouse golf equipment if these retailers submit purchases made of their pharmacy with the drug retailer and pharmacy service provider class code.”–Citi Customized Money® Card Advantages Phrases & Circumstances.

So in the event you spend essentially the most at drugstores, which can very effectively be, you’re going to get your rewards there.

You’ll earn the cashback within the type of ThankYou® Factors. That equals 5 ThankYou® Factors per $1 spent on as much as $500.

How one can Redeem your Card Rewards

After you earn rewards from spending at drugstores, right here is tips on how to redeem them.

The primary strategy to redeem your rewards is as cashback, for 1 penny per level. For those who spend as much as the utmost $500 allotted, at 5 factors per greenback, you possibly can earn 2,500 ThankYou® Factors. In cashback, at a charge of 1 penny per level, that equals $25 bonus money.

That’s one choice.

There’s a second choice, however in the event you solely have the Citi Customized Money card, it won’t be just right for you. Nonetheless, in the event you even have the Citi Premier Card or the Citi Status, then you possibly can switch your factors to a type of playing cards after which switch your factors to any of the next airline or lodge companions.

Airline companions:

• Aeromexico – Membership Premier
• Air France, KLM – Flying Blue
• Avianca – LifeMiles
• Cathay Pacific – Asia Miles
• Emirates – Skywards
• Etihad Visitor
• EVA Air Infinity MileageLands
• JetBlue – TrueBlue
• Qantas Frequent Flyer
• Qatar Airways Privilege Membership
• Singapore Airways  -KrisFlyer
• Thai Airways – Royal Orchid Plus
• Turkish Airways – Miles & Smiles
• Virgin Atlantic – FlyingClub

Lodge companions:

• Alternative Privileges
• Wyndham Rewards

When you rack up sufficient rewards with the airline you select, you possibly can fly without spending a dime with factors! Equally, in the event you select to switch to motels, you may get free nights along with your rewards!

Card Advantages

Moreover the cardboard rewards, you additionally get some advantages with the Citi Customized Money Card.

Any buy you make along with your Citi Customized Money Card will likely be lined for buy safety. If a purchase order is broken or stolen inside 90 from the date of buy, you possibly can file a declare. You may get a max of $1,000 per declare and most of $50,000 per yr.

Additionally, with the Citi Customized Money Card, you may get two extra years to an authentic producer’s guarantee time. For instance,  in the event you purchase a espresso machine that has a 1 yr guarantee, For those who pay for it along with your Customized Money Card, you may get a complete of three years guarantee.

Prolonged guarantee safety will cowl purchases which have an authentic guarantee of 5 years or much less. You may get a max of $10,000 per merchandise.

You’ll be able to see extra particulars on the phrases and situations within the Citi Customized Money Card advantages information.

No Annual Charge

The Citi Customized Money Card has no annual price.

Chase Freedom Limitless®

Subsequent up is the Chase Freedom Limitless®.

Due to this fact, let’s test it out as a possible choice.

Card Rewards

With the Chase Freedom Limitless®, you possibly can earn the next rewards:

• Earn 5% money again on journey bought via Chase Journey, together with airline tickets, motels, automotive leases, actions, and cruises.
• Earn 5% money again on Lyft Rides
• Earn 3% money again on eating, together with takeout and supply
• Earn 3% money again at drugstores
• Earn 1.5% money again on all different purchases

There are a lot of rewards, however let’s give attention to the three% money again at drugstores.

The three% money again you earn is within the type of Chase Final Rewards. The worth is roughly 1 penny per level.

How one can Redeem your Card Rewards

You’ll be able to redeem your rewards in numerous methods when you earn your 3% money again on drugstore purchases.

One choice is to redeem it as money again for 1 penny per level. So, for a $250 order, you could possibly get $7.50 money again. You may get it as a press release credit score, on to your checking account, or precise money from a Chase department.

If you’re into touring, one other strategy to redeem your rewards is thru Chase Journey. You’ll be able to go to chasetravel.com to guide Chase Journey and get 1 penny per level.

On Chase Journey, you possibly can guide airline tickets, lodge lodging, automotive leases, actions, and cruises.

As a facet notice, in the event you even have the Chase Sapphire Most popular Card or the Ink Most popular Card, you possibly can switch your rewards out of your Freedom Limitless Card to a type of playing cards. Now, as a substitute of simply 1 penny per level for Chase Journey, you possibly can redeem it at a charge of 1.25 pennies per level.

And in the event you even have the Chase Sapphire Reserve Card, you possibly can switch your rewards out of your Freedom Limitless Card to the Reserve to redeem 1.5 pennies per level on Chase Journey!

One other manner to make use of your rewards is to switch them to airline or lodge packages. For those who solely have the Freedom Limitless Card, you would not have this selection. However you are able to do so if in case you have any playing cards we talked about simply earlier than (Chase Sapphire Most popular Card, Chase Ink Most popular Card, or Chase Sapphire Reserve Card). In that case, you possibly can switch your rewards to one among these playing cards after which switch your factors to any of the next Chase Journey Companions.

Airline companions:

• Aer Lingus, AerClub
• Air Canada, Aeroplan
• British Airways, Avios
• Emirates, SkyRewards
• Air France/KLM, Flying Blue
• Iberia, Iberia Plus
• JetBlue, TrueBlue
• Singapore Airways, KrisFlyer
• Southwest, Fast Rewards
• United Airways, MilagePlus
• Virgin Atlantic, FlyingClub

Lodge companions:

• Hyatt, World Of Hyatt
• IHG, Rewards Membership
• Marriott, Bonvoy

Transferring rewards to airline or lodge packages is superb due to its flexibility. When you accumulate sufficient Chase Final Rewards out of your Freedom Limitless Card, you possibly can select any packages that curiosity you. Whichever airline or lodge you’d like to make use of, simply switch your rewards there and earn free journey to the place you need most.

For those who purchase sufficient meds on the drugstore after some time and earn sufficient rewards, you possibly can redeem free lodge nights, flights, cruise journeys, and a lot extra! You’ll discover your self with free adventures simply through the use of the fitting bank card while you pay on your drugstore purchases.

Card Advantages

The Freedom Limitless Card has extra goodness to it. Moreover the three% money again at drugstores, you get a number of advantages and protections with the cardboard.

Nonetheless, having fun with your independence from driving a automotive? What occurs while you’re away on trip in a rented automotive, using up Arizona Freeway 366, and boom- you hit a rock? Fortunately, in the event you paid for the automotive rental along with your Freedom Limitless card, you’re protected in opposition to any auto rental collision damages to the automotive. You get main protection on collision harm and theft when renting a automotive outdoors your nation of residence.

If one thing occurs to a rental automotive inside your nation of residence, the protection is secondary to your private insurance coverage.

How about planning a getaway for you and your partner if you end up busy? Ideas of Florida sunshine and swaying palm timber are foremost in your head. However then a medical emergency arises, and you have to cancel your journey.

Your Freedom Limitless has received you lined with journey cancellation insurance coverage. You may get a most $1,500 per passenger and $6,000 per journey for non-refundable journey bills, together with flight tickets, motels, and extra.

Again dwelling and again to routine, it’s possible you’ll get pleasure from buying shock items and treats for your loved ones and buddies. Or simply purchasing for your self and your own home. Use your Freedom Limitless Card so that you’re lined if any buy will get broken or stolen inside 120 days of the acquisition. With buy safety, you possibly can earn a most of $10,000 per declare and $50,000 per yr.

As a further profit, with prolonged guarantee safety, if any of your purchases are below guarantee, the guarantee will likely be matched for as much as 1 extra yr. It’s going to solely be prolonged if the unique guarantee is for 3 years or much less. You may get a most of $10,000 per declare and $50,000 per account.

You’ll be able to see extra particulars on the phrases and situations within the Chase Freedom Limitless Card advantages information.

Extra Rewards on all Purchases

I’d like to the touch upon the remainder of the cardboard rewards you possibly can earn on all purchases with the Freedom Limitless Card. With this card, you possibly can earn 1.5% money again on each greenback you spend anyplace.

On prime of that, there isn’t a annual price for this card. So, with none funding, you mechanically earn 1.5% money again on the whole lot you purchase along with your Freedom Limitless,

Chase Freedom Flex

The Chase Freedom Flex is one other Chase card that earns 3% money again at drugstores.

Card Rewards

Moreover 3% money again at drugstores, additionally, you will earn the next rewards:

• 5% money again at rotating classes on as much as $1,500 in mixed purchases
• 5% money again on journey bought via Chase Journey, together with airline tickets, motels, automotive leases, actions and cruises
• 3% money again on eating, together with takeout and supply
• 3% money again at drugstores
• 1% money again on all different purchases

The 5% money again rotating classes work in quarters. Every quarter, Chase releases one other class wherein you earn 5% cashback. From January via March of 2024, Chase gives 5% money again at grocery shops (excluding Walmart® and Goal®), health membership and fitness center memberships, and self-care & spa companies! Every quarter, it’s a must to activate that quarterly bonus.

You’ll earn all of the money again as Chase Final Rewards.

How one can Redeem your Card Rewards

After you earn your rewards on purchases, you possibly can redeem your rewards as cashback for 1 penny per level. You’ll be able to redeem it via assertion credit or direct deposits to your financial institution.

You may as well select to depart your rewards as factors and use them for reward playing cards or to buy Chase Journey on chasetravel.com.

Card Advantages

The Chase Freedom Flex has some nice advantages.

For one, you get cellphone safety. In case your cellphone is broken or stolen, you possibly can declare as much as $800, a most of $1,000 per yr. However to activate protection, you have to cost your Freedom Flex card for the month-to-month cellphone invoice.

For all purchases, you can even get buy safety for as much as 120 days from the date of buy. If one thing you purchase will get broken or stolen, you possibly can declare a most of $500 or $50,000 per account.

Prolonged guarantee safety lets you match your authentic producer’s guarantee time for as much as a yr. You’ll be able to earn a most of $10,000 per declare and $50,000 per account.

Lastly, you’ll at all times be protected in opposition to collision harm to automotive leases. You may get main protection on leases outdoors your nation of residence. You may get secondary protection on leases inside your nation of residence.

The Chase Freedom Flex Card is nice for drugstore purchases. On prime of that, you get to money in on the 5% money again rotating classes, which appears superior.

You’ll be able to see extra particulars on the phrases and situations within the Chase Freedom Flex Card advantages information.

Financial institution Of America Personalized Money Rewards Credit score Card

A Financial institution of America bank card, the Personalized Money Rewards card earns 3% money again on drugstores.

Card Rewards

The best way it really works is as follows. You’ll be able to earn 3% money again in your month-to-month alternative of class. Classes embrace fuel & electrical car charging stations, on-line purchasing, eating, journey drugstores, and residential enchancment and furnishings.

You’ll be able to earn 3% money again in your chosen class on as much as $2,500 every quarter in mixed purchases with the next classes:

• Grocery shops – on which you’ll earn 2% money again per greenback
• Wholesale golf equipment – on which you’ll earn 2% money again per greenback

Select drugstores as your class to earn all of your 3% money again there. “Out of your annual flu shot to prescriptions, well being & magnificence gadgets, nutritional vitamins and batteries. Discover all of it at your native drug retailer and make more money again.” -Financial institution of America® Personalized Money Rewards Credit score Card Money Again Classes & Exclusions.

You’ll be able to change your chosen class every month or go away it as your first alternative.

Get Even Extra Rewards

For those who qualify as a Most popular Rewards member, you possibly can earn 25%-75% extra cash again on each buy.

As an alternative of incomes 3% money again on drugstore purchases, you possibly can earn 3.75% – 5.25% cashback.

To qualify for the Most popular Rewards program, you could have an energetic and eligible private checking account with Financial institution of America. Within the account, you have to keep the stability required for at the least the bottom tier in this system.

Program stability tiers

• $20,000 stability to qualify for the Gold tier
• $50,000 stability to qualify for the Platinum tier
• $100,000 stability to qualify for the Platinum Honors tier
• $1,000,000 stability to qualify for the Diamond tier
• $10,000,000 stability to qualify for the Diamond Honors tier

The balances might embrace funds in any qualifying Financial institution of America deposit accounts, akin to a checking account, financial savings account, certificates of deposit, and so on., and Merrill funding account funds.

Once you fulfill these necessities on the finish of the month, wait about three or extra enterprise days after which enroll within the Most popular Rewards program.

When you’re enrolled and your membership is energetic, normally inside 30 days of enrollment, you’ll earn the Most popular Rewards bonus:

• 25% extra rewards if you’re within the Gold tier
• 50% extra rewards if you’re within the Platinum tier
• 75% extra rewards if you’re within the Platinum Honors tier
• 75% extra rewards if you’re within the Diamond tier
• 75% extra rewards if you’re within the Diamond Honors tier

Let’s put these charges into numbers with an instance of $100 in drugstore purchases. You’ll be able to earn:

• $3.75 money again with the Gold tier
• $4.50 money again with the Platinum tier
• $5.25 money again with the Platinum Honors tier
• $5.25 money again with the Diamond tier
• $5.25 money again with the Diamond Honors tier

How’s that for bonus money again?

Card Advantages

The Financial institution Of America Personalized Money Rewards Credit score Card has a number of advantages that improve the cardboard.

Firstly, it has buy safety. If a purchase order you make is broken or stolen inside 90 days from while you make the acquisition, you may get a refund. You’ll be able to earn a most of $500 per declare and a most of $50,000 yearly.

Secondly, the cardboard has prolonged guarantee safety. You’ll be able to match the unique producer’s guarantee time as much as one yr on home equipment. You may get a most of $10,000 per declare and a most of $50,000 per cardholder.

No Annual Charge

The Financial institution Of America Personalized Money Rewards Credit score Card has no annual price.

Reward Packages: One other Method to Earn Drugstore Rewards

There’s one other easy manner you possibly can earn rewards on the drugstore. Join the pharmacy chain rewards program. You’ll earn rewards and coupons while you use your loyalty card to take a look at on the drugstore. You’ll be able to money these rewards and coupons later on the drugstore.

Loyalty packages, normally free to enroll in, are an excellent straightforward strategy to save rather a lot in your prescription drugs. Listed below are just some loyalty packages you possibly can be a part of.

CVS

CSV shops are everywhere in the states. They’ve a free rewards program known as ExtraCare. You’ll be able to earn 2% ExtraBucks rewards on many purchases as soon as you’re signed up. You additionally get a $3 coupon in your birthday and lots of gross sales costs! As well as, you possibly can pay to enroll in an ExtraCare account and earn much more rewards while you fill prescriptions, amongst different issues.

Walgreens

Walgreens, one other well-known drugstore chain, has a rewards program known as myWalgreens, which you’ll be a part of without spending a dime. You’ll be able to earn 1% Walgreens Money on all eligible purchases and 5% Walgreens Money on Walgreens branded merchandise. You may as well entry all gross sales costs and save as much as attain larger bonus targets.

Ceremony Assist

”The nation’s third-largest drugstore chain, Ceremony Assist…”-as quoted from gobankingrates.com. So, let’s see what Ceremony Assist gives in reward packages. Wellness+ rewards is a good reward earner. You’ll be able to earn 1 level for each greenback you spend at a Ceremony Assist location, however you’ll earn many factors while you fill prescriptions. Earn 75 factors for a 90-day prescription and 25 factors for a 30-day prescription.

You’ll be able to unlock many extra rewards and gross sales costs in the event you get gold or silver standing of their program.

Closing phrases

We explored numerous bank card choices and packages you should utilize at drugstores for max rewards. The subsequent time you want a medicine refill or fill a prescription, be sure to have an ideal rewards earner in your pockets. Swipe the bank card and really feel good!

Featured Picture Credit score: Photograph by Kampus Manufacturing; Pexels

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