Without even knowing the full story, I am sure that the general audience that reads financial blogs will shout out “Save money!”. However, hear out my story first.

In this hypothetical world, you want to buy some electronics. It could be anything these days, such as headphones, cables, keyboard, mouse, etc…. but for this example I’m just going to go with speakers.


While browsing the internet, you see an ad for these speakers. You’ve actually been wanting to get a new set of speakers and had read about the benefits of this particular brand and model!

You casually make your way to the usual online shopping websites and you even know how to use ShopBack to get some rebates, plus you are planning to charge it to your credit card which gives anywhere between 3-7% off from online spending.

Just the difference between the online price compared to …