Credit card rewards programs are a great way to earn cash back, points, or miles on your everyday spending. But did you know that you can often stack these rewards to get even more bang for your buck? By strategically combining different rewards, discounts, and offers, you can maximize your savings and perks without any extra effort. Here are four easy ways to stack your card rewards and make the most of every dollar you spend.
1. Combine Credit Card Rewards with Cashback Apps
One of the simplest ways to stack rewards is by using cashback apps like Rakuten, Ibotta, or Honey in combination with your rewards credit card. These apps offer cashback or discounts on purchases made through their platforms, and you can still earn your usual credit card rewards on top of that.
- How It Works: Shop through the cashback app’s portal or activate offers before you make a purchase. Pay with your rewards credit card, and you’ll earn cashback from both the app and your card.
- Example: If your card offers 2% cashback on groceries and you shop through an app offering 5% cashback at your favorite store, you’ll earn a total of 7% back on your purchase.
2. Stack Store Loyalty Programs with Your Credit Card
Many stores have their own loyalty programs that offer points, discounts, or special perks to members. By enrolling in these programs and paying with your rewards credit card, you can double up on the benefits.
- How It Works: Sign up for store loyalty programs that align with your shopping habits. Use your loyalty card or account to earn store-specific rewards, and pay with your credit card to earn points or cashback.
- Example: Use your grocery store’s loyalty program to get discounts on products, then pay with your credit card to earn additional points or cashback on your total purchase.
3. Take Advantage of Bonus Categories and Offers
Many credit cards offer rotating bonus categories or targeted offers that allow you to earn extra rewards on specific types of purchases. By paying attention to these bonuses and strategically timing your purchases, you can stack extra rewards with little effort.
- How It Works: Keep an eye on your card’s bonus categories, which may change quarterly, or activate targeted offers through your card issuer’s app. Plan larger purchases or recurring expenses during these bonus periods to maximize rewards.
- Example: If your card offers 5% back on dining this quarter, plan to dine out more often or buy gift cards to your favorite restaurants to earn extra rewards.
4. Use Card-linked Offers and Deals
Many banks and card issuers provide exclusive card-linked offers that can be activated and used to earn additional cashback or discounts. These offers are often found within your credit card’s online portal or mobile app, allowing you to earn more on top of your regular rewards.
- How It Works: Activate offers in your card’s app or website, then shop at the designated retailer using your credit card. The extra rewards or cashback will be automatically applied to your account.
- Example: If your card offers a $10 cashback deal on a $50 purchase at a department store, activate the offer and use your rewards credit card at checkout to earn the extra bonus on top of your regular rewards.
Final Thoughts
Stacking your card rewards doesn’t have to be complicated. By combining your credit card perks with cashback apps, store loyalty programs, bonus categories, and card-linked offers, you can significantly boost your rewards without changing your spending habits. Start stacking today, and watch your rewards pile up faster than ever!