It’s almost the season of gifts. But with consumer prices rising in the United States due to inflation, this might seem like the perfect season to save money. In other words, if you’re not optimizing your holiday shopping strategy.

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There are actually many ways to give the gifts you had planned and get money back for those purchases. Want to save without being a Scrooge? Use these tips to get cash back on your holiday shopping this season.

Discount apps

A simple search of your phone’s app store will bring you plenty of options for cash back and cashback apps at your fingertips. While you shop for the holidays, these apps will earn you rewards that you can redeem for cash, gift cards, or other offers. Popular cashback apps include Fetch, TopCashback, and Ibotta.

Ibotta is a favorite among online shoppers, and it’s easy to see why. Shoppers can scroll through the app for daily deals, some of which offer up to 30% cash back on purchases from top retailers. Once you’ve started saving, you can cash out your Ibotta earnings through PayPal or apply the balance to gift cards. You can use the app in stores or online at participating retailers, and you can even link existing loyalty accounts from select stores to capitalize on your savings.

Ibotta has a whole selection of deals for vacation shoppers, and you can get a $10 bonus when you spend $30 right now.

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In-store credit cards

Don’t spend everything in one place! Unless you get money back, of course. If you’re looking to do most of your holiday shopping at a big-box retailer, you might benefit from applying for a store credit card to accrue more benefits and savings at that particular store. Plus, many of these store credit cards are offering competitive cash back offers just in time for this holiday season.

The Amazon Rewards Visa Signature Card earns three percent on purchases, which accumulate into points you can apply to other Amazon purchases or redeem them for cash. You will also receive a $60 Amazon gift card when you are approved.

You don’t need to be an Amazon Prime member to apply for the Amazon Rewards Visa Card, but it could net you even more savings. If you opt for the Amazon Prime Rewards Visa Card, you earn 5% back on Amazon purchases and receive a $150 Amazon gift card upon approval. Combining any of these offers could earn you real money on your holiday shopping.

Shopping in person? Stores like Target have implemented similar rewards for their credit card holders. The Target RedCard credit card, debit card or rechargeable card already allows you to benefit from 5% discount on purchases in store or online. But until December 12, 2022, you can get $40 off a future purchase over $40 when you’re approved for any RedCard.

Credit Card Cash Back Rewards

When making your holiday gift list, be sure to double-check your credit card perks as well. Many personal credit cards offer cash back rewards for purchases from certain retailers or brands. These rewards usually last for a certain number of days, so be sure to check your rewards online and add them to your card before shopping.

A highly recommended credit card for cash back options is the Chase Freedom Unlimited Visa. With this card, you regularly earn 1.5% cash back or more on all your purchases. Bonus – you can earn $200 cash if you spend $500 within the first three months of opening your account.

Check price drops

It’s the classic consumer battle: buy the item now to be sure you get it, or wait until it’s on sale? Well, sometimes you don’t have to choose.

Many major retailers like Target, Best Buy and Macy’s will offer price adjustments. This means that if you buy an item at full price and it goes on sale within the period you can exchange or return it, you can take it back and be refunded the difference. I’ve been known to bring a dress back to Madewell three times for them to honor sale price drops in my return window.

Now, this strategy would require some real discount diligence, so you’ll need to keep an eye on your product’s price after purchase to see if it drops. If you’re a Capital One buyer, the Paribus app is available to track the purchases you’ve made and alert you when an online price drops below what you paid.

Become a charity

If you’re giving the gift of giving back this holiday season, you can also give yourself a little break next tax season.

Making a charitable donation in someone’s name is a thoughtful gift – and if you donate the funds, you can claim the amount on your own tax return the following year.

There are, of course, certain stipulations. The organization receiving your donation must align with IRS qualifications, and you’ll want to keep proof of donation on file in case you need to submit it with your return or an audit. Read the IRS guidelines for deducting charitable contributions before writing them off.

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This article originally appeared on 5 Ways to Get Money Back on Your Holiday Shopping

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