A My Vanilla Card, also known as Vanilla Money, is an online card that gives you an account balance to use at any participating retail store. This means that even if you happen to be out of cash on hand you can still get a discount on your purchases with this card. Here's a brief run down of what this card offers and what you can get out of it.
My Vanilla is a program offered by VanillaNet and is operated by Payless Cash. VanillaNet is owned by Payless Cash which was recently purchased by Visa. They started out by offering credit cards for people with poor credit. Since then they have expanded their offerings to include rewards programs and their own debit card.
Each month when you use your VanillaCard you will receive a coupon for one dollar off of your total purchases. The Coupons are redeemable in their store or online.
When you receive a My Vanilla card, your card balance will be deducted from your checking account every month. You may only receive a certain amount off per month but it will be more than you would receive if you were not using the VanillaCard. You will also receive an email each month with offers for additional discounts.
VanillaNet will send you an email letting you know when your card is due to expire. If you are a VanillaCard member and have an active e-mail address, you will also be able to receive automatic alerts when your account reaches a certain limit or balance.
One of the best things about My Vanilla is that you can receive coupons and notifications for even more savings. For example, if you were shopping for shoes at Macy's and received an email alert stating that your account had reached the limit, you could receive an email alert telling you how much you can save at their store by purchasing a shoe or two. With so many different coupons available it is easy to see how this card can benefit any consumer.
Many people do not realize that their My Vanilla card will actually help you save money in the long run. By using your card in a variety of different stores you will receive coupons for free products and other perks like cash back or rebate points you can use towards future purchases.
It is important that you keep up with the latest offers available with My Vanilla. This way you will be able to maximize your savings. You can also earn rewards points that can be redeemed for gift cards or free merchandise. There are even offers for items like hotels and rental cars.
If you are like me and spend a lot of time shopping for clothing, shoes, jewelry, books and accessories you will find that using a VanillaCard can benefit you and give you all the benefits of a credit card without all the headaches that most credit cards have. I think it is important that you explore your options to find the right card for you.