There are many special discounts that are available to seniors. Retirees are offered discounts at most retailers, restaurants, parks, on public transport and at hotels. But you won’t get these discounts unless YOU ASK for them.

Simply ask the question, “Do you offer a senior discount?” and see how much you can save. You’ll be able to save money every time you find yourself reaching for your wallet or purse. Here is a list of 9 (+7 bonus) discounts seniors get only if they know about them

Carnival Cruises, Royal Caribbean, Costa Cruises

Is there any better way to celebrate life than to venture out at sea? Cruises are wonderful with their all-inclusive travel options where you get to sit back, have a drink or two for free, soak up the midday sun and enjoy some high-class cuisine along with various live music performances.

Cruise lines offer a huge variety of discounts for senior citizens, and this includes some of the most well-known companies like Carnival Cruises and Royal Caribbean, offering exclusive deals to citizens over the age of 55. You will be able to get a cruise deal anywhere in the world, be it the Caribbean or even the icy Alaska. Keep in mind that not all cruises have discounts, so it is best to check with the specific cruise company.

2. Discount on Mortgage and Car Insurance

Seniors can get great deals when it comes to their finances. Here are the two discounts that will make the biggest impact on your wallet. You can save thousands of dollars just by using your senior status:

Seniors can get special discounts and terms if they decide to refinance their mortgage. There’s a forgotten government program passed by Obama to help the middle class senior Americans reduce their monthly payments by as much as $3,500 each year. Click here to learn more about this mortgage bailout program.

Did you know that depending on your age and other factors you could get a huge discount on car insurance? Most seniors don’t even know these discounts exist. Click here to read how seniors can save $400+ on car insurance.

Farm Fresh, Hy-Vee, Publix, Fred Meyer & Fry’s Food

Once you’ve used your senior discount at all of your favorite restaurants, you’ll need to buy some groceries. Lots of stores give a senior discount – you just need to ask.

Keep in mind that discounts and deals may vary and can change without notice.

• Farm Fresh – 5% discount Tuesdays and Thursdays (55+)
• Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
• Publix – weekly discount on Wednesday (55+)
• Fred Meyer – 10% senior discount on the first Tuesday of every month
• New Seasons Market – 10% discount every Wednesday
• Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
• Piggly Wiggly – varying discounts at participating locations
• Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.

CVS, Walgreens, Target, Walmart and Rite Aid

Medication is an essential part of human life, and the costs of the prescriptions add up more and more as you age. Most retirees need to take some type of medication, so it’s only right that you should be able to get a discount on your pills.

You can get a discount at the pharmacy section of lots of retail stores including CVS, Walgreens, Target, Walmart, Rite Aid and also on websites like Narcup.com. If you’re a AARP cardholder, you can get a great 38% discount on qualified prescription medication.

Also, some pharmaceutical companies will send seniors a discount card that you can show when paying for prescriptions. Just remember to check with your local pharmacy to see what discounts are available to you, because discounts might change depending on location.

Get Your Prescription Drugs Covered With Medicare

Banana Republic, Kohl’s, Marshall’s and Stein Mart

You might be surprised to learn that a lot of trendy shops give a senior citizens discount. At Banana Republic, if you over 50-years old you can get a 10% discount at stores, simply by asking for it.

At Kohl’s on Wednesdays, over 60s can get 15% off. And on Tuesdays, outlet stores Marshall’s,  Ross will offer up a 10% discount for seniors – though the exact age is determined by each store.

Walgreens hold a “Seniors Day” once a month too – which varies by location. Discounts of 20% are available for Rewards card members and AARP member that are over 55 years old in store, and if you’re shopping online you can get a 10% price reduction.

If you are 62 or older, you can get a 10% discount every Tuesday and Wednesday at Dress Barn. And that’s not all, Stein Mart are treating over 55s with their clearance offer. On the first Monday of each month, you can get an extra 20% discount on clearance items. Just remember to check with the specific store in your area, as discounts might vary and change without notice.

If you don’t feel like cooking be sure to turn to these places for good senior dining deals. From fast food to steak restaurants, our compiled 10 restaurant list will definitely help you make your choice.

Keep in mind that deals may vary in participating locations and can change without notice.

• Chart House: 10% off for AARP members only
• Piccadilly Cafeteria – 10% discount with “Prime Time for Seniors” card.
• IHOP – 10% discount (55+) and a menu specially for people aged 55 and over at participating locations
• Dunkin’ Donuts Senior Discount:  AARP members receive a free donut with the purchase of a large or XL beverage (at participating restaurants)
• Golden Corral: Senior discount varies by location
• Krispy Kreme Senior Discount: 10% off (50+) (age and discount varies depending on location)
• McCormick & Schmick’s: 10% savings on food and beverages (excluding alcohol) for AARP members (50+)
• Outback Steakhouse: 10% off AARP members for meals (alcohol excluded)
• Perkins Restaurants: Fifty-Five Plus menu Offers special deals (55+)
• Subway: 10% off (60+) varies by location
• The Old Spaghetti Factory: Spaghetti Factory “Senior Menu” offers discounted list of menu items
• Uno Pizzaria & Grill: “Double Nickel Club” 25% off on Wednesday (55+)
• Sizzler: Offers “Honored Guest Menu” (60+) varies by location
• Papa John’s Senior Discount: check with your local stores (no standard senior discount policy)
• Old Country Buffet: Daily discounts for seniors (55+)
• Landry’s Seafood Senior Discounts: 10% off for AARP members (50+)
• Friendly’s Restaurants: 10% off meal w/ free coffee at breakfast or free small sunday during non-breakfast hours
• Fazoli’s: Join “Club 62” for special senior menu items (62+)
• Denny’s: Senior discount varies by location, 15% off for AARP members
• Country Kitchen: Great Senior Menu (55+)

Crowne Plaza, La Quinta, Motel 6, Best Western & Marriott

If you want to settle down for the night some place away from home you can be sure to get a discount at Marriott, Comfort Inn, Motel 6 and more.

Keep in mind that discounts may vary and change without notice.

• Marriott – 15% discount (62+). You can book online or call and ask for the senior discount
• Best Western – varying deals for AARP members (50+), 10% off room rate (55%)
• Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
• Crowne Plaza – discounted room rates for AARP members (62+)
• Choice Hotels – 10% discount if you book in advance (60+)
• Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
• La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
• Omni Hotels – varying offers at participating locations (55+)
• Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
• Wyndham Hotels – varying offers at participating locations (60+)
• Hampton Inns & Suites – 10% off when booked 72 hours in advance