How one can earn extra factors and elite advantages by double dipping

Right here at TPG, we’re all about maximizing each greenback you spend. Usually, you’ll be able to accomplish that by utilizing the greatest bank card to benefit from the highest return for a particular buy. However typically, you’ll be able to go a step additional.

Enter “double dipping,” or the apply of incomes two (or extra) several types of factors on a single transaction. Profiting from double-dipping alternatives will show you how 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 prime double-dipping alternatives you can (and may) work into your on a regular basis factors practices.

One of many easiest methods to double dip is to make use of procuring portals in your on-line purchases. These third-party websites companion with varied retailers to offer you factors, miles or money again once 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 kind of factors you are attempting to earn, there’s doubtless a portal on the market that can fit your wants. A number of airways and lodge chains have their very own portals, as does Chase Final Rewards. In the meantime, Rakuten means that you can obtain your earnings within the type of American Specific Membership Rewards factors as an alternative choice to its common money again. New members can earn a one-time $30 bonus by becoming a member of Rakuten and spending $30 within the first 90 days.

Undecided which portal to make use of? Attempt utilizing a procuring portal aggregator like Cashback Monitor to check incomes charges throughout quite a few portals for a given retailer.

Be a part of restaurant rewards packages

Eating out could be a profitable exercise by itself, with playing cards such because the American Specific® Gold Card providing 4 factors per greenback on restaurant purchases worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback). However it’s additionally a possibility to double dip utilizing eating rewards packages.

When you register, taking part eating places robotically award you factors or miles once you pay for a meal with a linked bank card. As soon as once more, these earnings are on prime of the factors or miles you internet only for buying along with your favourite bank card for eating.

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 packages for a single buy.

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Associated: Which card ought to I pay with when eating at a lodge?

Earn extra with Uber and Lyft

Whether or not you employ Uber or Lyft, you can also make your rides extra worthwhile by linking sure rewards accounts to earn factors on each journey.

With Lyft, you will have a number of decisions with regards to incomes bonus factors or miles, although you could choose one of many following as your designated loyalty rewards companion:

Delta Air Traces additionally has a partnership with Lyft, however that partnership will finish April 7 when it hyperlinks up with Uber.

One other Lyft partnership ending this yr is with Chase. Nevertheless, via March, you should use an eligible card — just like the Chase Sapphire Reserve® or Chase Sapphire Most well-liked® Card — to earn as much as 10 factors per greenback spent on the platform.

In the meantime, with Uber, you’ll be able to hyperlink your Marriott Bonvoy account and earn the next:

• 3 factors per greenback spent on rides with Uber XL, Uber Consolation, Uber Black and Uber Black SUV
• 2 factors per greenback spent on Uber X rides once you reserve prematurely
• 2 factors per greenback spent on Uber Eats restaurant and grocery orders of $40 or extra delivered to Residence Inn, TownePlace Suites or Ingredient accommodations
• 1 level per greenback spent on all different Uber Eats restaurant and grocery orders above $40

Be sure you’re additionally utilizing a bank card with a nice return on journey purchases; for example, the American Specific® Inexperienced Card, which gives 3 factors per greenback spent on journey and transit purchases, together with ride-hailing companies.

The data for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: Frequent Uber or Lyft passenger? These bank cards are for you

Order with Starbucks

The Starbucks Rewards program has misplaced a few of its luster over time, however it has inked partnerships with a pair of journey manufacturers which will make your morning Starbucks run extra rewarding.

This began a couple of years in the past with Delta Air Traces, although the partnership was up to date final June. Now, you may earn bonus SkyMiles once you reload $25 or extra to your Starbucks account — as much as 200 miles for a $100 reload.

Final yr, Starbucks and Marriott launched a brand new partnership that provides further bonus alternatives. First, for those who make three purchases at Starbucks throughout any Marriott Bonvoy Week, you’ll be able to earn 100 bonus Marriott factors. As well as, any Starbucks purchases you make whereas staying at a Marriott property earn double Stars within the Starbucks Rewards program. Lastly, you’ll be able to convert your Marriott factors to Stars at a ratio of 1,000 factors to 100 Stars.

Neither of those partnerships is value going out of your method to make use of, however for those who’re a frequent Starbucks patron, you would possibly as nicely hyperlink your Delta and Marriott accounts.

Associated: One of the best bank cards to make use of at Starbucks

Lease with Airbnb or Vrbo

Make your Airbnb stays extra worthwhile by reserving them via Delta Air Traces’ or British Airways‘ on-line portals. Select a program and click on the reserving button on its devoted Airbnb web page to rack up additional miles. You may earn 1 mile per greenback spent via Delta SkyMiles and a couple of Avios per greenback spent via British Airways Government Membership. So, costly Airbnb bookings can shortly add as much as award flights.

Alternatively, you’ll be able to earn JetBlue TrueBlue factors in your subsequent Vrbo keep, because the pair launched a brand new partnership final yr. This lets members earn 1 level per greenback spent when reserving house leases via Paisly, JetBlue’s web site for nonflight bookings. These purchases additionally depend towards incomes JetBlue Mosaic standing.

As with Uber and Lyft, pay with a journey bank card that earns bonus factors on trip leases to additional maximize your points-earning.

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This app supplies limitless double-dipping potentialities for these seeking to rack up United MileagePlus miles. It awards you bonus miles for getting digital reward playing cards via the app, which you’ll later use on-line or in particular person at outlets and eating places. That is notably nice for retailers not included in fashionable bonus classes on bank cards.

The deal is even sweeter for these with a cobranded United Airways 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.

One of the best half? With MileagePlus X, you’ll be able to take issues to the following degree 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 a web based buy whereas using a procuring portal. Simply make sure the procuring portal you employ would not exclude purchases made with a present card from incomes factors.

Associated: This is why it issues which card you employ to pay within the United MPX app

Give RewardsPlus a go

Past the MileagePlus X app, you’ll be able to leverage the RewardsPlus program to take pleasure in elevated advantages with United and/or Marriott.

With this program, United Gold (or larger) elite members robotically obtain Marriott Bonvoy Gold Elite standing, whereas Marriott Titanium Elite and Ambassador Elite members robotically obtain United Premier Silver standing. In fact, it is comparatively simple to get Marriott Gold standing with playing cards — together with The Platinum Card® from American Specific or the Marriott Bonvoy Enterprise® American Specific® Card. Because of this, top-tier Marriott elite members get the higher finish of this deal. Enrollment is required for choose advantages.

Along with reciprocal elite advantages, all members take pleasure in additional miles when transferring Marriott factors to United, no matter standing. Whereas most (however not all) of Marriott’s switch companions provide 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.

Associated: When does it make sense to switch Marriott factors to airways?

Leverage retail loyalty packages

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 provide loyalty packages you can maximize when procuring. Most of those packages offer you rewards within the type of future reductions (e.g., spend $100 and get a $5 coupon) on prime of the usual earnings you’d get from utilizing your bank card.

A few of the ones I take advantage of regularly embrace Chick-fil-A One, Jersey Mike’s Shore Factors Rewards and Dunkin’ Rewards — particularly since I can obtain as much as $84 in assertion credit annually at Dunkin’ (as much as $7 monthly; solely at U.S. places) once I make a purchase order with my Amex Gold card. Enrollment is required.

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Making use of for a brand new bank card sometimes comes with a massive variety of factors or miles as a welcome bonus (after you meet the minimal spending requirement, in fact). Nevertheless, 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.

Many of the main issuers provide a program alongside these traces, together with:

These are focused to every particular person cardholder, and also you sometimes should activate them earlier than making a purchase order. You additionally could discover a number of obscure retailers with whom you haven’t any intention of doing enterprise. Nevertheless, by regularly checking your on-line accounts, you might be able to discover some good alternatives for bonuses or financial savings.

This is only a sampling of the gives that TPG staffers presently have on their playing cards:

• An Amex provide to obtain 10% again on insurance coverage purchases, as much as $20
• A Chase provide to earn 30% again on purchases with Dropbox, as much as $30
• A number of Wells Fargo gives to earn 10% again once you spend $100 with a number of Marriott manufacturers — together with AC Resorts, Autograph Assortment and Renaissance Resorts
• A Citi provide to earn 5% again on Lyft rides

You may as well stack these with most of the different “dips” on this record to create a double dip or triple dip. For instance, you might be able to stack an Amex Supply at a close-by restaurant with a eating rewards program or a web based buy with a procuring portal.

For charges and charges of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.