There are few things as satisfying and dangerous as online shopping. When you’re not swiping your card or handing over cash, it’s easy to overspend and forget that online shopping is still shopping.
While there isn’t a Google Chrome extension to pry the computer mouse out of my hand while I browse the Sephora website, many Google Chrome extensions boast they’ll help you save while online shopping.
Although I was skeptical, I was optimistic because technology has never failed me before. Kidding. Anyone who has a smartphone knows that’s a lie. However, technology can be amazing and I love Google Chrome extensions. I probably spend more time with Google Chrome than with my own family. Let’s see how these extensions added up.
I shopped on four store websites and tested each extension on the same purchases. I avoided items that explicitly said they were excluded from coupons and deals. I added a variety of items to my cart to cover more potential deals and coupons.
Macy’s Total: $292.26
Honey: After one click and a few seconds, Honey notified me that I saved $58.51 and earned a small cash bonus. Honey found a deal on shoes that the other add-ons had not found. Result: I saved $58.51.
InvisibleHand: The extension showed me two “deals.” One was an ad for discounted Macy’s gift cards. The other was “Up to $50 off select sunglasses purchases.” I was not buying sunglasses. Result: No money saved.
Offers.com: I had to hunt down codes from their list. Most were not applicable to my order. This extension caused a lot of pop up windows. I used the first applicable code it suggested. Result: I saved $4.93.
PriceBlink: It did the same exact thing as InvisibleHand, promoting the same two non-applicable “deals.” Result: No money saved.
Winner: Honey. This saved me the most money by a long shot.
For my fellow shoppers looking to max out on their deals, you can consider using a Macy’s credit card can increase your savings, as well. Read this review on the Macy’s credit card for details. (Before applying for any new credit, it’s best to make sure your credit score is high enough to qualify. You can check two of your scores free on Credit.com.)
J.Crew Total: $562.50
Honey: Honey found 10 coupon codes and applied the best one. Result: I saved $43.20.
InvisibleHand: When I clicked on the coupon code I wanted to use, InvisibleHand open a new tab, said I was on my way to deals and then just brought me back to the J.Crew homepage without applying any code. This happened for every deal I tried. Once again the top “deal” was an ad to buy J.Crew gift cards for cheap. Result: No money saved.
Offers.com: All the offer codes I tried from this extension were expired or not valid. Result: No money saved.
PriceBlink: The extension opened a pop up with deals, similar to InvisibleHand. It brought me to a new window, bringing me to the PriceBlink search engine. The only code that popped up was expired. Result: No money saved.
Winner: Honey. This was the only extension that saved me money.
LOFT Total: $375.50
Honey: Honey said the store had no working codes but did offer me a 0.1% to 5% cash bonus. The LOFT website clearly had a promotional code all over the homepage, but Honey missed it. This extension might not be as flawless as I was starting to think it was. Result: No money saved.
InvisibleHand: The pop-up contained the coupon code promoted on LOFT’s homepage for 40% off. I was able to copy and paste it without leaving the page. Result: I saved $150.20.
Offers.com: Once again, one code popped up and it was the same 40% off deal. I did, however, have to visit a new window to get the code. Result: I saved $150.20.
PriceBlink: PriceBlink also found me the 40% off deal, but I had to visit two separate web pages to access it. Result: I saved $150.20.
Winner: InvisibleHand. While three out of four of the extensions found the same deal, InvisibleHand was the most efficient and easiest to use of the three.
Payless Total: $154.93
Honey: After trying a bunch of codes, Honey settled on a 15% off discount. Result: I saved $23.24 and earned a small cash bonus.
InvisibleHand: This found a few deals but, again, most were not applicable. Result: I saved $21.33.
Offers.com: It found me a bunch of codes, but most were not applicable to my order or broken. Eventually, I saved 15%, but only after Offers.com opened 10 tabs. It was a different code than the one Honey found, but it got me the same savings. Result: I saved $23.24.
PriceBlink: Once again, it showed me a lot of codes that were not applicable. Result: I saved $21.33.
Winner: Honey. Although most of the extensions got me a similar deal, Honey was the most efficient and provided a cash bonus.
Overall, these extensions are all capable of saving you money while you shop, though some are more efficient and effective than others. If you’re looking to save, strategically using a rewards credit card or subscribing to newsletters can also help. (In fact, we’ve rounded up a list of great credit cards for online shopping.) Here’s how I’d grade each extension I tried:
1. Honey: A
Honey was the most user-friendly and helpful extension of the bunch. It’s automatic and takes a lot of work out of finding the best deal. No need to manually to experiment with different codes and offers. It does it for you.
This extension requires a sign-up through e-mail or Facebook, but it offers a rewards program. Their “HoneyGold” rewards program gives you Amazon gift cards as you shop at Honey-supported online stores or refer friends to the extension, a great perk for frequent online shoppers.
2. Offers.com: B-
Although it usually provides many discount options, some of the codes had expired and most were not applicable to the order. I had to click on codes to reveal them, then new windows would pop up. I then had to copy and paste each code in to see if my order qualified. You also have to search for the store you’re in and sort through codes for some web pages. Not great.
There was also an Offers.com pop up on every page of the store I visited. The main way this extension could’ve saved me money was by aggravating me until I gave up on shopping.
3. InvisibleHand: C
Every time I was browsing a store on every single page of the online store there’d be a pop up across the top of my screen telling me about deals. Very irritating. A lot of the deals were not really deals or were expired.
The app promised to “automatically get the lowest price on whatever you’re buying,” but that’s not what I experienced. The process is not automatic. The only thing it automatically did was irritate me. This extension was pop-up city. It opened new windows each time I clicked on a code but didn’t actually apply the code. This extension often prompted me to apply for credit cards and buy gift cards, which I wasn’t looking to do.
4. PriceBlink: C-
While shopping, I faced constant pop-ups as well as ads for cheap gift cards. I also had to click multiple times and open many tabs to access the deals, a lot of which had expired. I did save some money, but it was inefficient. It would have been easier to use Google to find discounts.
This story is an Op/Ed contribution to Credit.com and does not necessarily represent the views of the company or its partners.
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- How Is Credit Card Interest Calculated?
This article originally appeared on Credit.com.
Interested in refinancing student loans?Here are the top 6 lenders of 2019!
|Lender||Variable APR||Eligible Degrees|
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1 Important Disclosures for SoFi.
2 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
All credit products are subject to credit approval.
Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.50% – 7.27%1||Undergrad & Graduate|
|2.50% – 7.12%3||Undergrad & Graduate|
|2.81% – 8.79%4||Undergrad & Graduate|
|2.50% – 6.65%2||Undergrad & Graduate|
|2.55% – 7.12%5||Undergrad & Graduate|
|3.00% – 9.74%6||Undergrad & Graduate|