Do you use credit cards? If not, just know you are leaving cash on the table. Stores have to pay high transaction fees on “premium” cards, which leads them to raise their sticker price. So if you pay cash, you’re basically subsidizing cash-back cards.

If I spend $2k a month on my card and get 1.5% back, that’s $30 a month. It adds up.

Most credit unions get their technology supplied by one of several “bank in a box” vendors such as fiserve or fis. Those companies have relationships and technology integrations with many data brokers and media firms like Cardlytics.

That’s not to say they do have programs like this but only that they have the capability, usually just by making a phone call to their account manager.