Cashback Stacking: How to Double Dip on Every Online Purchase

What is Cashback Stacking?

Most people apply a promo code at checkout and feel good about their savings. Advanced shoppers use a technique called "stacking" to earn rewards from three different sources simultaneously on a single purchase.

Layer 1: The Shopping Portal

Never navigate directly to a retailer's website. Always start at a shopping portal (like Rakuten, TopCashback, or your airline's mileage portal). By simply clicking through their link before you shop, you can earn anywhere from 2% to 15% cash back on your entire purchase.

Layer 2: The Credit Card Multiplier

Pay with a credit card that offers bonus categories. For example, if you are buying groceries online, use a card that offers 4x points on groceries. Before you check out, always check your credit card app (Chase Offers, Amex Offers) to see if there is a specific statement credit available for the retailer you are shopping at.

Layer 3: The Promo Code

Finally, apply a verified promo code from CouponVault at checkout. When you combine a 20% off promo code, 10% portal cash back, and 5% credit card rewards, your effective discount on a purchase can exceed 35%. This strategy requires discipline but pays off enormously over a year.