10 Simple Cashback and Reward Hacks to Boost Your Savings

Cashback and reward programs are a simple way to get more value from your everyday spending. These cashback and reward hacks will help you earn extra savings and rewards, making each purchase count. Put these strategies to work and watch your rewards grow with minimal effort.

Top Cashback and Reward Hacks to Increase Your Savings

Hack #1: Sign Up for Multiple Cashback Apps

Stack cashback offers with ease.
Many cashback apps like Rakuten, Ibotta, or Honey offer rewards on a wide variety of purchases. By signing up for multiple apps, you can stack rewards when shopping online or in-store. For example, if you shop at Target, you could earn cashback from Rakuten, and then apply any available coupons or rewards through Ibotta.

Hack #2: Use a Rewards Credit Card

Boost rewards with every purchase.
Opt for a credit card that offers cashback or points for daily spending like groceries, gas, or dining out. Cards like the Chase Freedom or Citi Double Cash give you a percentage back on each purchase. Make sure to pay off your balance each month to avoid interest fees and truly maximize your rewards.

Hack #3: Take Advantage of Bonus Categories

Earn extra points during special promotions.
Many credit cards and apps offer rotating bonus categories where you earn higher cashback for certain types of spending, such as dining, travel, or home improvement. For example, if your card offers 5% cashback on groceries during certain months, plan your shopping around those times to get more back.

Hack #4: Combine Store Loyalty Programs with Cashback

Multiply savings with loyalty rewards.
If your favorite stores offer loyalty programs, sign up for them. Combine these loyalty rewards with cashback apps to double your savings. For instance, many grocery chains offer loyalty points that can be redeemed for discounts or free items. Using these points alongside cashback from apps will give you more value for your purchases.

Hack #5: Set Alerts for Special Cashback Offers

Never miss out on limited-time deals.
Most cashback apps and credit cards have notifications for special offers. Set up alerts for when certain categories or stores have increased cashback rates. For example, some apps offer higher rates on Amazon or certain restaurants during specific months, so setting these alerts ensures you never miss an opportunity to earn more.

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Hack #6: Shop on Days with Increased Cashback

Earn more by timing your purchases.
Certain days of the week or year may feature increased cashback opportunities. Some cashback apps run “double cashback” promotions on specific days, and many credit cards offer limited-time deals around holidays. Keep an eye out for these days and plan your purchases accordingly.

Hack #7: Refer a Friend and Get Bonuses

Earn extra rewards by spreading the word.
Most cashback and rewards programs offer referral bonuses when you invite friends to join. You’ll earn points or cashback just for getting others to sign up. For example, Rakuten gives you a bonus for referring a friend who makes their first purchase, making it an easy way to earn more.

Hack #8: Pay Attention to Payment Methods

Use the right payment method for maximum rewards.
Sometimes, using a specific payment method (like Apple Pay or PayPal) with certain apps or stores can unlock extra rewards. For example, some apps give you higher cashback rates when you use a linked PayPal account, so make sure to check which payment options will help you earn more.

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Conclusion

Applying these cashback and reward hacks is a simple way to maximize your savings and earn rewards from the purchases you’re already making. Start using these strategies today, and share your best tips for earning more in the comments below!