Personal Finance

Top (Non-Credit) Cards That’ll Earn You Discounts

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Discount_Monik_Markus_CCFlickrNext time you’re at the checkout counter and the salesperson gives you the famous store credit card pitch—the one where you can earn 10% off your purchase by opening up a store card—remember this: You may be able to still get a discount without applying for any kind of credit card at all.

The fact is there are myriad cards we carry in our wallets that can just as easily score us retail discounts. Let’s review:

AAA Card. Millions of AAA members are entitled to discounts—and not just travel-related discounts. From restaurants to bookstores, attractions and clothing stores, it’s always worth asking the salesperson if you can get a discount with your card. I recently received 10% off a ski jacket when I presented my AAA card at a local clothing store in State College, PA.

[Resource: Get Your free Credit Report Card]

Corporate ID. If you work for a large employer, ask your human resources rep for a list of various corporate discounts. At Time Inc. employees get discounts on Broadway tickets. Yahoo! employees get discounts on ZipCar car rentals. And when I worked at Time Warner Cable my corporate ID earned me discounts at various gyms and museums.

License. Your license reveals your age and if you are under 21 or over the age of 50, you may be entitled to specific age-group discounts at theaters, restaurants and museums.

School ID. If you are currently enrolled in any courses at a university, you will have a student ID and that can mean instant savings at the register. Example: J.Crew, Club Monaco, Apple and Top Shop. Teachers can also get discounts at Ann Taylor Loft, Banana Republic, J.Crew and The Limited.

[Related: 8 Ways to Save With Your Student ID]

AARP Card. Members of the American Association of Retired Persons can receive several discounts, including deals at restaurants, retail stores and travel sites. A new AARP deal is 25% off the lowest ticketed price at Reebok stores.

Union Card. If you’re a member of a union, you’re probably entitled to various discounts. For example, members of the AFL-CIO get 10% off wireless service from AT&T, including movie ticket, flower and Dell laptop discounts.

Know of any other great discounts that I’ve missed? I’d love to hear them! Post your tips and ideas in the comments section below.

Image: Monik Markus, via Flickr.com

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