How to get the most cash back rewards this holiday without a credit card


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TThe holiday shopping season has arrived and Black friday knock at the door. This is usually the time of year when we spend a lot of money in a short period of time. Since you are going shopping, now is a great time to maximize with a rewards program.

There are several types of rewards programs that range from gift cards and travel to cash back. One thing remains true with any type of reward, “Cash is King”. But, the majority of rewards programs are related to credit cards. This is definitely a missed opportunity for shoppers who spend a lot of money this holiday season using cash or other unrewarded product.

Reasons for not having a credit card

There are several reasons shoppers may not use a credit card for holiday shopping, but not having a credit card is simply top of the list. Choosing not to have a credit card and creditworthiness are two of the most important factors. So how can holiday shoppers cash in on rewards without having a credit card?

Earning Rewards Without a Credit Card If credit cards aren’t your thing, but earning rewards is, you’re in luck! Products, such as the Visa ONE VIP Debit Card, offer a lucrative cash back program without the hassle and fees of a credit card. In fact, there are no hidden fees with the ONE VIP Card, no overdraft fees, and there is no fee to get it. The ONE VIP card is a digital banking product accessible to anyone over the age of 18 with an address and social security number in the United States. No credit check is needed to get this card and you can start using it as soon as the money is loaded on the card.


Source: UN VIP / UN VIP

ONE VIP Rewards Program Overview

ONE VIP card members earn 1 point for every $ 2 spent on purchases and double points for purchases from black-owned business partners. These points are unlimited and can be redeemed for cash back.

Additionally, ONE VIP members can choose to pay points in advance by donating them to Urban One Community Works (U1CW). U1CW will use donations to support selected charities supporting people of color such as The Innocence Project for Criminal Justice Reform, the National Black Justice Coalition in Service of LGBTQ / SGL Communities, Howard University, as well as the Foundation Tom Joyner serving HBCU students nationwide.


Source: UN VIP / UN VIP

Final result

You will probably be spending a lot of money over the next couple of months – take advantage of a rewards program and get some of that money back!


Need to cash a check? Here are all the benefits of ONE VIP, the new debit card from Urban One

URBAN ONE ONE VIP: all you need to know about the new debit card, loyalty program and mobile app

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