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Black Friday: If No Price Match, Go for Cash Back

Oct. 19, 2018
Black Friday, Personal Finance
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On almost any day of the year, consumers can shop around, compare sale prices and ask one retailer to match a lower price at another retailer.

Black Friday is usually an exception to that rule.

When price matching isn’t an option, there are still ways to ensure you’re getting a good Black Friday deal. Here’s how.


Use the card you already carry to find thousands of cash-back deals.

Price matching exclusions

In most cases, you won’t be able to price match on Black Friday — or the days surrounding it.

Here are a couple of examples of store policies that exclude the day after Thanksgiving:

Kohl’s: Between Nov. 18 and Dec. 1, prices advertised by Kohl’s or a competitor will not be matched.

Target: From Thanksgiving Day, Nov. 22, through Dec. 1, Target won’t accept price matches and adjustments to competitors.

But just in case the store you’re shopping at is an outlier, always read the price matching policy before you hit the stores.

Cash-back options

With price matching largely out, finding other ways to save becomes even more important.

First, do your homework before you shop on Black Friday (or Thanksgiving). Most retailers release their ads ahead of time, so you’ll know which items will be on sale and how much they’ll cost.

Once you decide what you’ll buy and where you’ll shop, use cash-back websites, apps and credit cards. If you do, you could get money back after you shop — almost like an additional sale on top of that already low Black Friday price.

Here are three ways to earn cash back on qualifying purchases:

Websites. Become a member of shopping sites like Ebates and BeFrugal to get money back when you shop at qualifying retailers. After signing up, you’ll need to click a link on the cash-back site before you visit the retailer’s site to place an order online. Once you earn enough cash, you can choose to get paid via methods such as check or PayPal credit.

Apps. Connect eligible cards to apps like NerdWallet and earn up to 10% cash back at participating stores when you use your card to make purchases. You’ll get your money back as a statement credit. 

Credit cards. Cash-back credit cards can accrue rewards, too. If you’re disciplined enough to pay off the balance when the statement comes, using a credit card for items you were going to buy anyway can be a savvy holiday shopping strategy.

One or a combination of these tactics can help you save money and stick to your budget this Black Friday.

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