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BeFrugal can score you some very decent cashback rates. Here's a hypothetical: You need a new fridge. You do some research, find a model you like, then proceed to shop around online for the lowest price on that model. Turns out it's at JCPenney. Then, remembering the sage advice of one Mr. Broida, you head to cashback service Ebates, where you discover you can get a 3-percent rebate on JCPenney purchases. So you click through from Ebates to the JCPenney store and order your fridge like you normally would.

Not long after, you get a iphone case and screen protector $51.42 credit, After that, you receive an actual check (or PayPal deposit), For doing almost nothing, Full disclosure: That wasn't a hypothetical, It happened to me, And it's why I've been championing online cashback services for years, They're easy to use, with no strings attached, (Actually, I guess there's one string: They collect data about where you shop and what you buy, Some people are bothered by that, I'm not.) Over time I've recouped hundreds of dollars I'd have otherwise forfeited, Little purchases here, big ones there, It adds up..

Here are three services I recommend checking out. One important thing to note: If you use any of these tools in a desktop browser, be sure to deactivate any ad blocker you might be using -- at least for the service itself and the store you're visiting. Using an ad-blocker can interfere with the necessary tracking, meaning you won't get credit or cashback for your purchase. Here's one of the more surprising ways to get cash back. New services that link directly with your credit card, requiring little or no action on your part. Just go to restaurants, book hotels and buy stuff like you normally would, and presto: cash back. And, yes, they work even if you're already getting cash back from the card provider. Double-dip, anyone?.

The only catch is that you don't get rewards everywhere, only from stores that participate in the given program, So you may have to do a little advance recon, Would I like to score 30-percent cashback savings when I dine out? Absolutely, Would I like more than one participating restaurant? Definitely, Here's iphone case and screen protector a look at four of these services, This is fairly new territory, and I haven't yet tried all of them -- but an extra layer of cash back on top of my cashback credit card sounds awfully good, Drop will automatically award you points when you patronize five brands..

So you've got two big names and two new names getting in on the tied-to-your-credit-card cashback idea. You won't save on everything, but you can definitely save on some things -- with very little effort. Walmart Savings Catcher will automatically refund you the difference if it finds a lower advertised price on something you've purchased. There's one last option for dipping into the cashback till. Post-purchase services provide rebates after the fact -- usually by looking at your receipts. And if that raises privacy concerns, I'm surprised you've read this far. Many of the aforementioned services require your credit-card number.