Stacking is the reason cashback pros routinely earn 8%–15% on purchases while everyone else earns 2%. The trick is not doing more work — it's doing the same three steps in the same order, every single time.
Layer 1 — The card
Your credit or debit card runs underneath every other reward. Pick the card whose category matches the purchase. This is the layer you set once and forget.
Layer 2 — The portal or coupon
Before checkout, click through a shopping portal or apply a stackable coupon. This is where most people lose money — they open the retailer directly, skipping a 4%–8% rebate that would have applied.
Layer 3 — The receipt or loyalty app
After checkout, submit the receipt to any app that offers a rebate on what you bought. Grocery and drugstore trips are where this layer pays the most.
A simple routine
- Every online order: card → portal → checkout.
- Every grocery run: card → activate any digital coupons → scan receipt.
- Every travel booking: card → portal → screenshot confirmation for the tracking receipt.
Do this for one month and total your rebates. Almost everyone is surprised by how much stacking adds up on the exact same spending.