The Best Cashback and Rewards Programs to Combine with Coupons

Unlock Maximum Savings: How to Stack Coupons, Cashback, and Rewards Like a Pro


1. Double (or Even Triple) Savings on Every Purchase

Saving money is great, but what if you could save twice—or even three times—on the same purchase? That’s exactly what happens when you combine coupons with cashback and rewards programs.

When you use a coupon code, you immediately reduce the price of your purchase. However, the savings don’t have to stop there. Many credit cards offer cashback on specific categories, such as groceries, dining, or online shopping. For example, a credit card might provide 5% cashback when shopping at select retailers or using it for everyday essentials.

On top of that, cashback apps and browser extensions like Rakuten, Honey, and TopCashback allow you to earn an additional 3-10% cashback just by clicking through their platform before making a purchase. Some apps even provide seasonal or limited-time bonus cashback offers, allowing you to maximize your savings even further.

To put this into perspective, imagine you're buying a $100 item online:

  • A 20% off coupon instantly lowers the price to $80.

  • Your credit card's 5% cashback returns $4.

  • A cashback app like Rakuten offering 10% back gives you another $8.

Your final cost? Just $68 instead of the original $100—an incredible 32% savings just by stacking discounts!

The key to maximizing this strategy is knowing which cashback and rewards programs can be stacked together. Some stores may limit cashback when a coupon is used, so it's always a good idea to check the terms before purchasing. But when done correctly, this method is one of the easiest ways to supercharge your savings on everyday purchases.



2. Cashback Can Be Used for Future Purchases

One of the best things about cashback and rewards programs is that they don’t just save you money on a single purchase—they help you save again and again by accumulating over time. Unlike a one-time discount from a coupon, cashback earnings can be stored and redeemed later, allowing you to reduce the cost of future purchases and build a cycle of continuous savings.

For example, many rewards credit cards offer cashback that can be redeemed in various ways, such as:

  • Statement credits to lower your credit card bill.

  • Gift cards to popular retailers, letting you shop for free.

  • Travel rewards like airline miles and hotel points.

Similarly, cashback apps like Rakuten, Dosh, and Ibotta deposit your earnings into your PayPal account or send a check when you reach a payout threshold. Some even let you redeem your cashback as a gift card with a bonus value—meaning you get even more than you initially earned!

Here’s how this works in action:

  • You shop online and use a 20% off coupon, reducing the price of your order.

  • You earn 5% cashback on your purchase through your credit card.

  • You receive an additional 10% cashback from a cashback app.

  • Instead of spending the cashback right away, you let it accumulate over multiple purchases.

  • When it’s time to make another big purchase, you redeem your cashback balance to further reduce your cost—possibly making the item free!



By consistently stacking coupons with cashback and rewards, you can stretch your budget further and make every dollar work harder for you. The key is to track your earnings and use them strategically, ensuring you always get the most value from your savings.

Coupons, cashback, and rewards programs are each great ways to save money on their own—but when combined, they create a powerful strategy for maximizing savings on every purchase. By stacking discount codes, credit card cashback, and cashback apps, you can significantly lower your costs and even earn money back on the things you already buy.

The best part? Your cashback earnings can be saved and used for future purchases, helping you maintain a cycle of ongoing savings. Whether you’re shopping for essentials, booking travel, or splurging on a treat, using this method ensures you never pay full price again.

So before your next online or in-store purchase, take a few extra minutes to find a coupon, activate cashback offers, and use the right rewards card—because every dollar saved is a dollar earned!