Cashback Stacking

Stacking four cashback layers can save 16.5% on a $200 purchase with seconds of setup: use a 2-5% cashback credit card, a 1-15% portal like Rakuten, store loyalty rewards of 5-10%, and discounted gift cards from Raise (3-10% off). For example, $200×0.95 (gift card)×0.90 (Rakuten 10%)=$171, plus $4 cashback=$167. This outperforms #2's price tracking in flexibility across retailers. Rakuten has paid $3.7 billion since 1999. The key: route every purchase through a portal first—the average shopper leaves 5-15% unclaimed per transaction. Set up once, save repeatedly with zero ongoing effort.