The right way to earn extra factors and elite advantages by double dipping

Right here at TPG, we’re all about maximizing each greenback you spend. Typically, you may accomplish that through the use of the finest bank card to benefit from the highest return for a selected buy. However generally, you may go a step additional.

Enter “double dipping,” or the apply of incomes two (or extra) various kinds of factors on a single transaction. Profiting from double-dipping alternatives will assist you to speed up your points-earning — bringing you that a lot nearer to your dream award journey.

Under, 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 buying portals

One of many easiest methods to double dip is to make use of buying portals on your on-line purchases. These third-party websites companion with varied retailers to provide you factors, miles or money again once you click on by way of 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 seemingly a portal on the market that can fit your wants. A number of airways and resort 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 Specific Membership Rewards factors as a substitute for its regular 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? Strive utilizing a buying portal aggregator like Cashback Monitor to check incomes charges throughout quite a few portals for a given retailer.

Be part of restaurant rewards packages

Eating out generally is 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 high of the factors or miles you web 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 may’t earn by way of two airline or resort packages for a single buy.

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

Earn extra with Uber and Lyft

Whether or not you employ Uber or Lyft, you may make your rides extra useful by linking sure rewards accounts to earn factors on each experience.

With Lyft, you’ve a number of decisions in terms of incomes bonus factors or miles, although you need to 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, by way of March, you should utilize 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.

In the meantime, with Uber, you may 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 upfront
• 2 factors per greenback spent on Uber Eats restaurant and grocery orders of $40 or extra delivered to Residence Inn, TownePlace Suites or Factor inns
• 1 level per greenback spent on all different Uber Eats restaurant and grocery orders above $40

Be sure to’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 providers.

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 through the years, but it surely 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 will 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 may 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 may 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 means to make use of, however for those who’re a frequent Starbucks patron, you would possibly as properly hyperlink your Delta and Marriott accounts.

Associated: The most effective bank cards to make use of at Starbucks

Hire with Airbnb or Vrbo

Make your Airbnb stays extra useful by reserving them by way of 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 by way of Delta SkyMiles and a pair of Avios per greenback spent by way of British Airways Government Membership. So, costly Airbnb bookings can shortly add as much as award flights.

Alternatively, you may 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 by way of Paisly, JetBlue’s website 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.

Associated: Ideas for selecting the proper seaside home rental

Earn bonus United miles with MileagePlus X

This app supplies countless double-dipping potentialities for these seeking to rack up United MileagePlus miles. It awards you bonus miles for purchasing digital reward playing cards by way of the app, which you’ll 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 Airways bank card, just like the United℠ Explorer Card. Should you hyperlink your United card to the app, you will 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 most effective half? With MileagePlus X, you may take issues to the following stage for a triple dip. Merely purchase a present card by way of 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 buying portal. Simply make sure the buying 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 may leverage the RewardsPlus program to get pleasure from 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. Consequently, 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 get pleasure from 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 may 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 resort stays, many sports activities retailers, eating places, workplace provide shops and pet provide shops provide loyalty packages that you would be able to maximize when buying. Most of those packages offer you 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.

A number of the ones I take advantage of often 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 every year at Dunkin’ (as much as $7 monthly; solely at U.S. areas) once I make a purchase order with my Amex Gold card. Enrollment is required.

Associated: Why modifications to the Amex Gold Card made me adore it much more

Bank card gives and reductions

Making use of for a brand new bank card sometimes comes with a giant 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 might discover a number of obscure retailers with whom you don’t have any intention of doing enterprise. Nevertheless, by often 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 at the moment 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 Lodges, Autograph Assortment and Renaissance Lodges
• A Citi provide to earn 5% again on Lyft rides

You may as well stack these with most of the different “dips” on this checklist 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 buying portal.

Backside line

There are many nice methods to rack up factors and miles shortly, however on a regular basis spending typically will get ignored as one among them. There are lots of concrete issues you can begin doing at present that can unlock a world of rewards for tomorrow.

Make these double-dipping efforts part of your total technique, and you may construct your account balances and get a lot nearer to your subsequent award journey.

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