Right here at TPG, we’re all about maximizing each greenback you spend. Usually, you’ll be able to accomplish that by utilizing the perfect bank card to benefit from the highest return for a selected buy. However generally, you’ll be able to go a step additional.
Enter “double dipping,” or the follow of incomes two various kinds of factors on a single transaction. Benefiting from double-dipping alternatives will provide help to speed up your points-earning — bringing you that a lot nearer to your dream award journey.
Beneath, we have outlined a few of our high double-dipping alternatives that you would be able to (and may) work into your on a regular basis factors practices.
Use on-line procuring portals
One of many easiest methods to double dip is to make use of procuring portals to your on-line purchases. These third-party websites associate with numerous retailers to provide you factors, miles or money again if you click on via their hyperlinks. That is along with the factors and miles you earn from placing the transaction in your bank card. So, you earn one bonus from the portal and one other out of your card.
It doesn’t matter what sort of factors you are making an attempt to earn, there’s probably a portal on the market that may fit your wants. A number of airways and lodge chains have their very own portals, as does Chase Final Rewards. In the meantime, Rakuten lets you obtain your earnings within the type of American Categorical Membership Rewards factors as a substitute for its typical money again. You may even earn a one-time $30 bonus by becoming a member of Rakuten and spending $30 within the first 90 days.
Unsure which portal to make use of? Strive utilizing a procuring portal aggregator similar to Cashback Monitor to match incomes charges throughout quite a few portals for a given retailer.
Be part of restaurant rewards applications
Eating out is usually a profitable exercise by itself, with playing cards such because the American Categorical® Gold Card providing 4 factors per greenback on worldwide restaurant purchases. Nevertheless it’s additionally a chance to double dip utilizing airline and lodge eating rewards applications.
When you register, taking part eating places will mechanically award you factors or miles if you pay for a meal with a linked bank card. As soon as once more, these earnings are on high of the factors or miles you web only for buying along with your bank card.
There’s only one key factor to recollect: Every of your bank cards can solely be registered for one eating program, so you’ll be able to’t earn via two airline or lodge applications for a single buy.
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Associated: Methods to earn 1,000 Southwest factors the subsequent time you dine out (or order in)
Earn extra with Uber and Lyft
Whether or not you employ Uber or Lyft, you can also make your rides extra beneficial by linking sure rewards accounts to earn factors on each trip.
Word that Chase additionally companions with Lyft. So, along with choosing one of many above applications, you need to use an eligible card — just like the Chase Sapphire Reserve or Chase Sapphire Most popular Card — to earn as much as 10 factors per greenback spent on the platform. Sapphire Reserve cardholders additionally get pleasure from complimentary Lyft Pink All Entry for 2 years.
In the meantime with Uber, you’ll be able to hyperlink your Marriott Bonvoy account and earn the next:
- 6 factors per greenback on Uber Eats restaurant and grocery orders of $40 or extra delivered to a lodge in Marriott’s portfolio
- 3 factors per greenback on rides with UberXL, Uber Consolation, Uber SUV and Uber Black
- 2 factors per greenback on all different Uber Eats restaurant and grocery orders above $40.
Be sure you’re additionally utilizing a bank card with an incredible return on journey purchases; as an illustration, the American Categorical® Inexperienced Card, which gives 3 factors per greenback spent on journey and transit purchases, together with ride-hailing companies.
Associated: Frequent Uber or Lyft passenger? These bank cards are for you
Lease with Airbnb
Make your Airbnb stays extra beneficial by reserving them via Delta Air Traces’ or British Airways‘ on-line portals. Merely select a program and click on the reserving button on its devoted Airbnb web page to rack up further miles. You will earn 1 mile per greenback for those who undergo Delta SkyMiles and three Avios per greenback for those who guide via British Airways Government Membership. So, costly Airbnb bookings can shortly add as much as award flights.
Like with Uber and Lyft, be sure to pay with a journey bank card that earns a bonus on trip leases to maximise your points-earning.
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Earn bonus United miles with MileagePlus X
This app supplies infinite double-dipping prospects for these seeking to rack up United miles. It awards you bonus miles for purchasing digital reward playing cards via the app, which you’ll be able to later use on-line or in individual at retailers and eating places. That is notably nice for retailers not included in common bonus classes on bank cards.
The deal is even sweeter for these with a cobranded United bank card, just like the United Explorer Card. If you happen to hyperlink your United card to the app, you may earn a 25% mileage bonus for each reward card you purchase, whether or not or not you employ that card to pay for the acquisition.
The very best half? With MileagePlus X, you’ll be able to really take issues to the subsequent stage for a triple dip. Merely purchase a present card via the app — incomes factors from the app and factors for the transaction in your bank card — after which use that reward card to make an internet buy whereas using a procuring portal.
Associated: This is why it issues which card you employ to pay within the United MPX app
Leverage the American Airways and Hyatt partnership
American Airways and World of Hyatt have a partnership providing reciprocal points-earning alternatives to elite loyalty program members. Hyatt elites can earn 1 bonus level per greenback spent on qualifying American flights. American elites can earn 1 bonus level per greenback spent on qualifying Hyatt stays — all on high of the factors and miles they’d usually earn when flying American or staying at a Hyatt.
Fortunately, it does not take a lot to nab Hyatt elite standing. Simply take out the World of Hyatt Credit score Card for automated Discoverist standing to take part.
Associated: Every thing it’s good to learn about World of Hyatt
Give RewardsPlus a go
Lengthy earlier than Hyatt and American joined forces, United and Marriott partnered to supply their members elevated advantages and bonus factors via the RewardsPlus program.
With this program, United Gold (or larger) elites mechanically obtain Marriott Bonvoy Gold elite standing, whereas Marriott Titanium and Ambassador elites mechanically obtain United Premier Silver standing. In fact, it is comparatively straightforward to get Marriott Gold standing with bank cards — together with The Platinum Card® from American Categorical or the Marriott Bonvoy Enterprise® American Categorical® Card. In consequence, top-tier Marriott elites get the higher finish of this deal. Enrollment is required for choose advantages.
Along with reciprocal elite advantages, all members get pleasure from further miles when transferring Marriott factors to United, no matter standing. Whereas most (however not all) of Marriott’s switch companions obtain a 5,000-mile bonus for each 60,000 Marriott factors transferred, United members get 10,000 bonus miles for transferring 60,000 factors. Meaning you’ll be able to successfully convert 2 Marriott factors to 1 United mile.
Leverage retail loyalty applications
Whereas they will not get you first-class tickets or luxurious lodge stays, many sports activities retailers, eating places, workplace provide shops and pet provide shops supply loyalty applications that you would be able to maximize when buying. Most of those applications provide you with rewards within the type of future reductions (e.g., spend $100 and get a $5 coupon) on high of the usual earnings you’d get from utilizing your bank card.
If you happen to’re not acquainted with these applications, you’ll be able to take a look at our listing of the 9 most underrated loyalty applications.
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Bank card gives and reductions
Making use of for a brand new bank card usually comes with a lot of factors or miles as a welcome bonus (after you meet the minimal spending requirement, after all). Nonetheless, as soon as you have opened a card, there are a variety of different methods to earn bonus rewards or unlock reductions on on a regular basis purchases.
A lot of the main issuers supply a program alongside these traces, together with:
These are focused to every particular person cardholder, and also you usually should activate them earlier than making a purchase order. You additionally might discover a number of obscure retailers with whom you don’t have any intention of doing enterprise. Nonetheless, by incessantly checking your on-line accounts, you could possibly discover some good alternatives for bonuses or financial savings.
This is only a sampling of the gives that TPG staffers at present have on their playing cards:
- An Amex supply to earn 5 further American Categorical Membership Rewards factors per greenback spent, as much as 1,000 factors
- An Amex supply to earn 50% again on purchases with Dropbox
- A number of Chase gives to earn 10% again if you spend $100 with a number of Marriott manufacturers — together with Autograph Assortment, SpringHill Suites and Renaissance Lodges
- A Citi supply to earn 5% again on Lyft rides
You may as well stack these with lots of the different “dips” on this listing to create a double dip or triple dip. For instance, stack an Amex Provide at a close-by restaurant with a eating rewards program or an internet buy with a procuring portal.
There are many nice methods to rack up factors and miles shortly, however on a regular basis spending typically will get neglected as one in every of them. There are various concrete issues you can begin doing right this moment that may unlock a world of rewards for tomorrow.
With these double-dipping efforts as part of your total technique, you may construct your account balances and get that a lot nearer to your subsequent award journey.