Shop Through Cashback Portals

Cashback portals like Rakuten and TopCashback return a percentage of your purchase price, stacking with credit card rewards and coupon codes to cut effective prices by 15–25%. This outperforms #2 by offering guaranteed savings rather than waiting for discounts. With TopCashback offering up to 12% back at over 4,000 retailers, it's 30% more lucrative than the average loyalty program.