Olivia Harper

Kirkland Signature, Great Value and up&up are store brands of Costco, Walmart and Target, which design and sell them but rarely say who makes each item.

Some Walgreens stores and pharmacies are open 24 hours and its locator filters for them; Sheetz serves food 24/7; most Walmart stores now close overnight.

Target.com takes Affirm, Afterpay, Klarna, Zip and Sezzle; Amazon and Costco offer Affirm; Sephora takes Klarna and Afterpay; Apple Pay adds Affirm or Klarna.

SNAP EBT online works in all 50 states and DC at USDA approved retailers such as Amazon, Walmart, Target, Costco and ALDI; fees still need another card.

Best Buy takes PayPal online and in stores; Target and IKEA take it online only, Walmart lists it among its payment methods, and Costco does not list it.

Lowe's ships free from $25, Target and Best Buy from $35, and each drops the minimum for members or cardholders; IKEA needs $35 just to ship.

Sweetwater adds a free 2-year Total Confidence Coverage warranty to nearly every new product; you pay shipping, and used gear, Apple and consumables are out.

Sweetwater takes new gear back for a refund, credit or exchange, usually within 30 days of shipping; get a return number first, as many items are excluded.

Temu takes most items back within 90 days, with free return shipping on the first return from each order and $7.99 plus tax for later ones.

TJ Maxx refunds store purchases with a receipt within 30 days and online orders within 40 days; later, gift and no-receipt returns get merchandise credit.

Neighbor's Club is Tractor Supply's free points program; each point is worth one cent, and guides report three tiers earning 1 to 2 points per dollar.

Reported by consumer guides, Tractor Supply takes most items back within 30 days with proof of purchase, and Neighbor's Club members get 90 days.

Trader Joe's says to bring back a product you do not like for a refund or exchange; food writers report no receipt or set time limit is needed.

Under Armour takes back unworn gear with tags and proof of purchase within 60 days, with a longer holiday window and free drop-off at Happy Returns or UPS.

Walmart Cash is Walmart's free rewards balance, earned on items with a manufacturer offer and spent at checkout; here is what Walmart and deal sites say.

Wayfair offers deferred-interest and fixed-rate plans on its Citi-issued credit cards, plus Affirm, Klarna and Afterpay; here are the terms Wayfair lists.

Wayfair Rewards costs $29 a year and pays 5% back in Reward Dollars plus free standard shipping with no minimum; Wayfair cardholders get it free and earn 7%.

Hobby Lobby runs a new Weekly Ad each week, with stores on sale Monday to Saturday and online from Sunday, plus everyday discounts off the marked price.

Lithium, button and rechargeable batteries should not go in the trash; Home Depot takes rechargeables free, Staples takes all kinds for $2.99 a visit.

Williams Sonoma takes most items back within 30 days with proof of purchase, in new condition; monogrammed, made to order, food and .97 items are excluded.

Zappos takes back items in new condition within 60 days, with free UPS return shipping anywhere in the US and a choice of store credit or a refund.

Academy runs a 10% military discount during set promotions, not every day, according to military deal sites; here is who qualifies and when.

Academy says it beats competitor prices by 5%; here is what deal sites report about the rules, the exclusions and the 14-day price adjustment.

Advance Auto Parts takes used car batteries and used oil at most stores, gives up to a $10 gift card per eligible battery and caps oil at 5 gallons a day.