Outdated age is a blessing.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 treatment repeatedly.

Merck Handbook, in an article on Getting older and Medicines put out by Wholesome Dwelling, states that “Nearly 90% of older adults repeatedly take at the very least one prescription drug, nearly 80% repeatedly take at the very least two prescribed drugs, and 36% repeatedly take at the very least 5 totally different prescribed drugs.”

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

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

So you’ll be able to earn money again or rewards for each greenback you spend at a drugstore. Though it received’t minimize 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 numerous bank cards by way of which you’ll be able to earn cashback. For instance, with the Financial institution Of America Personalized Money Rewards Credit score Card, you’ll be able to earn 3% money again per greenback you spend at drugstores. For a $100 drugstore invoice, you’ll be able to 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’ll be able to obtain on a bank card. For instance, with the Citi Customized Money Card, you’ll be able to 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 will be redeemed in direction of journey purchases.

You should utilize your rewards for lodges, flights, points of interest, automotive leases, and extra.

Clearly, when you’re an in depth traveler, it could excite you to earn rewards in direction of the above-mentioned purchases. Nevertheless, in case your life-style is in no way centered round journey or lodge stays, incomes reward factors will not be related.

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

These are the essential 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 determination to make. Use the above arguments that can assist you resolve.

Lastly, let me offer you an inventory of the most effective 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’ll be able to earn 5% money again on drugstore purchases.

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

Principally, 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 providers, drugstores, residence enchancment shops, health golf equipment, and dwell leisure.

The pharmacy class consists of “purchases made at pharmacies in grocery shops, basic 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 & Situations.

So when you spend essentially the most at drugstores, which can very properly be, you’ll 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 the way to redeem them.

The primary strategy to redeem your rewards is as cashback, for 1 penny per level. If you happen to spend as much as the utmost $500 allotted, at 5 factors per greenback, you’ll be able to earn 2,500 ThankYou® Factors. In cashback, at a price of 1 penny per level, that equals $25 bonus money.

That’s one possibility.

There’s a second possibility, however when you solely have the Citi Customized Money card, it is not going to be just right for you. Nevertheless, when you even have the Citi Premier Card or the Citi Status, then you’ll be able to 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’ll be able to fly without spending a dime with factors! Equally, when you select to switch to lodges, you will 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 shall be lined for buy safety. If a purchase order is broken or stolen inside 90 from the date of buy, you’ll be able to 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 will get two further years to an authentic producer’s guarantee time. For instance,  when you purchase a espresso machine that has a 1 yr guarantee, If you happen to pay for it along with your Customized Money Card, you will 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 Payment

The Citi Customized Money Card has no annual charge.

Chase Freedom Limitless®

Subsequent up is the Chase Freedom Limitless®.

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

Card Rewards

With the Chase Freedom Limitless®, you’ll be able to earn the next rewards:

• Earn 5% money again on journey bought by way of Chase Journey, together with airline tickets, lodges, 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 numerous rewards, however let’s deal with 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 varied methods when you earn your 3% money again on drugstore purchases.

One possibility 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’ll be able to guide airline tickets, lodge lodging, automotive leases, actions, and cruises.

As a aspect notice, when you even have the Chase Sapphire Most well-liked Card or the Ink Most well-liked Card, you’ll be able to switch your rewards out of your Freedom Limitless Card to a type of playing cards. Now, as an alternative of simply 1 penny per level for Chase Journey, you’ll be able to redeem it at a price of 1.25 pennies per level.

And when you even have the Chase Sapphire Reserve Card, you’ll be able to switch your rewards out of your Freedom Limitless Card to the Reserve to redeem 1.5 pennies per level on Chase Journey!

One other means to make use of your rewards is to switch them to airline or lodge packages. If you happen to solely have the Freedom Limitless Card, you should not have this selection. However you are able to do so when you have any playing cards we talked about simply earlier than (Chase Sapphire Most well-liked Card, Chase Ink Most well-liked Card, or Chase Sapphire Reserve Card). In that case, you’ll be able to switch your rewards to certainly one of 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 great due to its flexibility. When you accumulate sufficient Chase Final Rewards out of your Freedom Limitless Card, you’ll be able to 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.

If you happen to purchase sufficient meds on the drugstore after some time and earn sufficient rewards, you’ll be able to redeem free lodge nights, flights, cruise journeys, and a lot extra! You’ll find your self with free adventures simply by utilizing the precise bank card if you pay in 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 if you’re away on trip in a rented automotive, driving up Arizona Freeway 366, and boom- you hit a rock? Fortunately, when 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 injury and theft when renting a automotive exterior 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 when you find yourself busy? Ideas of Florida sunshine and swaying palm timber are foremost in your head. However then a medical emergency arises, and you will need to cancel your journey.

Your Freedom Limitless has bought 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, lodges, and extra.

Again residence and again to routine, you could take pleasure in buying shock items and treats for your loved ones and mates. 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’ll be able to earn a most of $10,000 per declare and $50,000 per yr.

As an extra profit, with prolonged guarantee safety, if any of your purchases are below guarantee, the guarantee shall be matched for as much as 1 further yr. It would 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’ll be able to earn on all purchases with the Freedom Limitless Card. With this card, you’ll be able to earn 1.5% money again on each greenback you spend anyplace.

On high of that, there isn’t any annual charge for this card. So, with none funding, you robotically earn 1.5% money again on every part 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 by way of Chase Journey, together with airline tickets, lodges, 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 by way of March of 2024, Chase gives 5% money again at grocery shops (excluding Walmart® and Goal®), health membership and gymnasium memberships, and self-care & spa providers! Every quarter, you need 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’ll be able to redeem your rewards as cashback for 1 penny per level. You’ll be able to redeem it by way of assertion credit or direct deposits to your financial institution.

It’s also possible to select to depart your rewards as factors and use them for present playing cards or to buy Chase Journey on chasetravel.com.

Card Advantages

The Chase Freedom Flex has some nice advantages.

For one, you get mobile phone safety. In case your mobile phone is broken or stolen, you’ll be able to declare as much as $800, a most of $1,000 per yr. However to activate protection, you will need to cost your Freedom Flex card for the month-to-month telephone 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’ll be able to declare a most of $500 or $50,000 per account.

Prolonged guarantee safety means that you can 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 injury to automotive leases. You may get main protection on leases exterior 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 high 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 selection of class. Classes embody fuel & electrical automobile charging stations, on-line buying, 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 be able to earn 2% money again per greenback
• Wholesale golf equipment – on which you’ll be able to 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 cash 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 selection.

Get Even Extra Rewards

If you happen to qualify as a Most well-liked Rewards member, you’ll be able to earn 25%-75% extra cash again on each buy.

As a substitute of incomes 3% money again on drugstore purchases, you’ll be able to earn 3.75% – 5.25% cashback.

To qualify for the Most well-liked Rewards program, you’ll want to have an energetic and eligible private checking account with Financial institution of America. Within the account, you will need to keep the stability required for at the very 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 could embody funds in any qualifying Financial institution of America deposit accounts, similar to a checking account, financial savings account, certificates of deposit, and so forth., and Merrill funding account funds.

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

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

• 25% extra rewards in case you are within the Gold tier
• 50% extra rewards in case you are within the Platinum tier
• 75% extra rewards in case you are within the Platinum Honors tier
• 75% extra rewards in case you are within the Diamond tier
• 75% extra rewards in case you are 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 if you make the acquisition, you will 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 Payment

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

Reward Packages: One other Technique to Earn Drugstore Rewards

There’s one other easy means you’ll be able to earn rewards on the drugstore. Join the pharmacy chain rewards program. You’ll earn rewards and coupons if 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 join, are an excellent straightforward strategy to save loads in your prescription drugs. Listed below are just some loyalty packages you’ll be able to be part of.

CVS

CSV shops are all around 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’ll be able to pay to enroll in an ExtraCare account and earn much more rewards if 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 able to be 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. It’s also possible to entry all gross sales costs and save as much as attain increased bonus targets.

Ceremony Help

”The nation’s third-largest drugstore chain, Ceremony Help…”-as quoted from gobankingrates.com. So, let’s see what Ceremony Help 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 Help location, however you’ll earn many factors if 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 when you get gold or silver standing of their program.

Closing phrases

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

Featured Picture Credit score: Picture by Kampus Manufacturing; Pexels

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