How to stack rewards to save big on purchases


Some tools to help you become a champion rewards stacker

Personal Finance Writer
Specializes in family finances


How to stack rewards to save big on purchase

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Everyone likes to find a great bargain online, but the
most successful savers are those who have learned how to leverage their credit
cards’ rewards programs with the latest digital shopping tools and portals to
score the biggest discounts.

Googling for the best price isn’t enough these days.
The real deals go to savvy rewards stackers.

“Stacking rewards means combining
multiple savings and/or cash back strategies on a single purchase to maximize
savings and rewards,” says Stefanie O’Connell, a millennial personal finance expert and author of “The Broke and Beautiful Life.”

While the average shopper might get excited over a
free shipping code, a rewards stacker goes deeper, piecing together a superior
discount by combining credit card offers, utilizing shopping portals and
keying in a promo code for good measure.

For example, if you are in the market for new luggage, you might typically start
looking for items on But before you hit “one-click,” if you’re an
American Express cardholder, you might look for relevant Amex
, only to find you can get a $15 statement credit if you spend $200 at

At this point, the Amazon price is
still slightly lower, but you’re not done. Next, you head over to the shopping
portals you use and discover that Ebates is giving 15 percent cash back for
eBags purchases. It’s settled! Using the Ebates link and your American Express card,
you choose a luggage set with a total price of $254. As you check out, you do a
final online search for discount codes and find one for free shipping. In the
end, you are credited $15 on your Amex statement, and receive a check for
$29.40 from Ebates.

The grand savings total of $44.40, or
17.5 percent, was made possible through “rewards stacking.”

It’s easy to get
hooked, since as experts point out, minimal effort can yield a big return.

“I actually do
this all the time,” says Justin Cupler, savings expert at The Penny
Hoarder. One of his best deals was using a 2 percent rewards credit card to buy
a discounted Walmart gift card from a gift card reseller. Then he shopped
through a cash back portal to get an additional 7 percent back on his Walmart

If he bought a
$100 gift card for $95 (5 percent off), and earned $1.90 cash back on his
credit card (2 percent), it would bring the actual cost down to $93.10. Then,
by earning 7 percent back on his $100 spend using the gift card, he recouped
another $7. In total, his sleuthing afforded him $100 worth of merchandise for
$86.10, a 14 percent discount.

It may seem like a lot of work to save a few bucks, but with practice, it’s easy to stack up the savings.
Here’s a checklist and some tools to help you become a champion rewards stacker:

1. Start with the right credit card

“Check for special offers on your
rewards card, as credit card companies don’t always advertise every
special,” says Cupler. “A quick search could turn up a huge bonus.” Several rewards card issuers offer some kind of portal, such as Amex Offers, BankAmeriDeals or Chase Offers (for Marriott Rewards cardholders).

“You have nothing to lose. Two
minutes will give you a good return on your investment.”

If there are no linked offers, think
about which of your cards will offer the best rewards bonus for a particular
purchase. “If you’re using a cash back credit card, you know you’re
getting rewarded a specific amount any time you use your card to make a
purchase,” says O’Connell.

With other types of rewards
cards, you might earn a higher percentage for groceries, gas, dining, travel or
department store spending, and those categories may or may not change. It’s up
to you to check for and activate (if required) your rotating bonus categories.

“Rotating categories can get annoying,
but there is often a pattern to it. Pay close attention to how they rotate and
try to find that pattern,” suggests Cupler.

Finally, if your
credit card has a shopping portal, see if it’s running any incentives to click through
to the retailer from there. If so, you’ll want to compare the potential
savings with other shopping portals first to see which has the best deal (see
next step)

Cool tool: Wallet, a app, lets you pick the right card for each purchase and maximize rewards when you shop.

2. Choose a shopping portal

Scouring a few shopping platforms before
you complete your purchase usually pays off – sometimes with double-digit
percentages. Some of the popular sites include,, and

Join a couple of them
that work best with stores you shop at most, says Cupler. “To help streamline the process, I keep all my cash-back sites in
bookmark form, so I can easily scan them before I shop,” he says.

If you’re new to a site, you will usually get an extra
savings boost as well. “These sites often offer big bonuses to lure in users, and you can
reap the rewards by testing them out,” says Cupler. For example, is currently offering a $10 bonus just for signing up.

But here’s
the key: “You need to check every time you make a purchase,” says
Yansong Wang, creator of Cashback Monitor, noting that savings fluctuate all the time.
 “Especially during the holiday season, like on Black Friday, you can see cash back offers reach 15-20 percent.”

Cool tool: Cashback Monitor shows you all the
real-time cash-back offers, as well as the amount of travel miles and credit
card points you can earn from each retailer when using a rewards card for your
purchase. So if you search for Macy’s, you’ll get a breakdown of what deal is
being offered today, and can choose which card to use as well as which portal
is best to go through.

3. See if you can combine discount and loyalty program codes

Once you’ve had some practice, you can
save even more with special codes or by linking your retail loyalty programs to
a purchase.

“Rotating categories can get annoying,
but there is often a pattern to it. Pay close attention to how they rotate and
try to find that pattern.”

That’s how Walter Travers, aka the Credit Card Maestro, saved $170 on a hotel room.

“Hilton had a promotion with Amex
Offers, where if you spent $200, you would get $40 in the form of a statement
credit. That is a steal in and of itself, but I wanted to see if I could push
the savings even further,” he says.

“I realized I had membership
rewards points that I could transfer over to Hilton from AmEx. After I
transferred over the points, I had about 15,000 Hilton points, which saved another

You can apply the same basic strategy
for most types of online purchases, especially for merchandise, by searching
for an online coupon or promo code. Either Google “store name + coupon
code” the old-fashioned way, or do a search on a site or app, such as

Cool tool: Honey, a browser extension, will
automatically search and apply coupon codes at checkout, as well as alert you
to better prices while you’re shopping online.

last tip

Rewards stacking takes a little
extra effort, so to be sure your time isn’t wasted, ’ll want to pay your credit card balances in full
every month.

“If you’re only making minimum payments and letting
interest accrue, your interest costs will far outweigh whatever you earn in
rewards,” says O’Connell.

When done
right, stacking rewards is an
easy way to save more and spend less. Even 1 percent back can net you a
significant payout if you apply it to all of your purchases over the course of
a year, says Cupler. And if you’re a stacker, you’ll earn far more than that!

As Wang says, “You have nothing to lose. Two
minutes will give you a good return on your investment.”

See related: 4 easy ways to stack your card rewards, Tips on stacking rewards at restaurants

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