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How to Stack Cashback Rewards for Maximum Savings

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How to Stack Cashback Rewards for Maximum Savings

How to Stack Cashback Rewards for Maximum Savings

The secret to serious savings isn't just using one cashback method—it's combining multiple sources together. Here's how to become a stacking pro.

Understanding Stackable Rewards

Different reward types can often be combined:

Layer 1: Cashback Portals
Sites like Cuponaero that give you percentage back

Layer 2: Store Rewards Programs
Free loyalty programs with their own points

Layer 3: Credit Card Rewards
1-5% or more back on purchases

Layer 4: Manufacturer Coupons
Discounts from the product makers

Real-World Stacking Example

Let's say you're buying a $100 item at Target:

  • Cuponaero cashback: 3% = $3

  • Target Circle rewards: 1% = $1

  • RedCard discount: 5% = $5

  • Chase Freedom (5% category): 5% = $5

  • Manufacturer coupon: $10 off

    • Total saved: $24 on a $100 purchase (24%!)

    Best Practices for Stacking

  • Always start with the cashback portal - Click through first

  • Check category bonuses on your credit cards

  • Load digital coupons to loyalty accounts

  • Time purchases around promotional periods

  • Use gift cards purchased at a discount for extra savings

    • When Stacking Doesn't Work

    Be aware that some rewards don't stack:

  • Some portal terms exclude gift card purchases

  • Certain promos may be "one offer per transaction"

  • Credit card category limits may cap rewards

    • Always read the fine print, but don't let complexity stop you from trying!