{"id":136800,"date":"2024-12-07T12:00:45","date_gmt":"2024-12-07T12:00:45","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=136800"},"modified":"2026-04-27T18:59:45","modified_gmt":"2026-04-27T18:59:45","slug":"maximize-cash-back-holidays","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/shopping\/maximize-cash-back-holidays\/","title":{"rendered":"Earn More From Holiday Spending: Cash Back Strategies for the Holidays"},"content":{"rendered":"<p class=\"remark\"><em>Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.<\/em><\/p>\n<p>For many of us, the holidays are synonymous with spending money. Whether we're buying gifts for our families or big meals to celebrate, it's easy to watch those dollars add up. However, the holiday season is also the perfect time to earn &#8212; or cash in on &#8212; extra rewards.<\/p>\n<p>Let's look at all the ways you can maximize your cash-back earnings this season, whether you're shopping in-store or online.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Swipe_a_Credit_Card_That_Earns_Cash_Back\">Swipe a Credit Card That Earns Cash Back<\/a><ul><li><a href=\"#Use_a_card_optimized_for_online_shopping\">Use a card optimized for online shopping<\/a><\/li><li><a href=\"#Use_one_of_the_best_cards_for_everyday_purchases\">Use one of the best cards for everyday purchases<\/a><\/li><\/ul><\/li><li><a href=\"#Sign_Up_for_and_Click_Through_Shopping_Portals\">Sign Up for and Click Through Shopping Portals<\/a><\/li><li><a href=\"#Check_for_Card-Linked_Offers_for_Bonus_Cash_Back\">Check for Card-Linked Offers for Bonus Cash Back<\/a><\/li><li><a href=\"#Download_and_Use_Cash-Back_Apps\">Download and Use Cash-Back Apps<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Swipe_a_Credit_Card_That_Earns_Cash_Back\">Swipe a Credit Card That Earns Cash Back<\/span><\/h2>\n<p>The most straightforward way to return cash to your pocket this holiday season is to use the right credit card when making purchases. There are tons of different cards that earn rewards, but the amount of cashback that you get will vary based on which card you hold.<\/p>\n<p>Some even offer <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">sign-up bonuses with a healthy amount of cash back<\/a> for new applicants. And holiday shopping is a great way to <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">meet minimum spending requirements<\/a>.<\/p>\n<h3><span id=\"Use_a_card_optimized_for_online_shopping\">Use a card optimized for online shopping<\/span><\/h3>\n<p>Several cards have earning categories that are <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-online-shopping\/\" rel=\"noopener\">structured to reward online shopping<\/a>. Depending on where and how you shop, it's worth using one of these cards:<\/p>\n<ul>\n<li><strong><a data-ccid=\"5048341\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amazon-prime-visa\/\">Prime Visa<\/a> :<\/strong> Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).<\/li>\n<li><strong><a data-ccid=\"32\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/us-bank-shopper-cash-rewards\/\">U.S. Bank Shopper Cash Rewards\u2122 Visa Signature<sup>\u00ae<\/sup> Card<\/a>:<\/strong> Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose, 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills, and utilities), and 1.5% cash back on all other eligible purchases.<\/li>\n<li><strong><a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a>:<\/strong> Earn 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Bank of America Preferred Rewards<\/a>\r\n member, you can earn 25%\u201375% more cash back on every purchase.<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"5048341\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Prime Visa<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dab32c0-9de5-470e-9141-11f1b1c9eb06.jpg\" width=\"150\" alt=\"Prime Visa\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Prime Visa<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Prime Visa offers an unlimited 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, provided you have an eligible Prime membership. Additionally, it offers 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare, with 1% back on all other purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership<\/li>\r\n<li>Unlimited 2% back on local transit and commuting (including rideshare)<\/li>\r\n<li>Unlimited 2% back at restaurants and at gas stations<\/li>\r\n<li>Unlimited 1% back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/PrimeVisa\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-20280bf871#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/maximize-bank-of-america-cash-back\/\" rel=\"noopener\">How To Earn 6% (Up to 10.5%) Cash Back in the Category of Your Choice \u2014 With No Annual Fee<\/a><\/strong><\/p>\n<h3><span id=\"Use_one_of_the_best_cards_for_everyday_purchases\">Use one of the best cards for everyday purchases<\/span><\/h3>\n<p>There are lots of <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">credit cards that are worth using for your catch-all or everyday spending<\/a>. If you want to simplify your rewards-earning strategy, consider swiping one of these cash-back cards:<\/p>\n<ul>\n<li><strong><a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/strong>: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\n<li><strong><a data-ccid=\"4048261\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/td-double-up-credit-card\/\">TD Double Up\u2120 Credit Card<\/a><\/strong>: Earn unlimited 2% Cash Back on all eligible purchases \u2013 no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.. This card is available only to residents in select states with a TD branch.<\/li>\n<li><strong><a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a><\/strong>  (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>): Earn unlimited 2% cash rewards on purchases.<\/li>\n<\/ul>\n<p><div class=\"qs-card\" data-id=\"4048251\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Active Cash<sup>\u00ae<\/sup> Card earns unlimited 2% cash rewards on purchases without the need to track spending categories or activate rewards quarterly. Cardholders also benefit from up to $600 coverage for cell phone damage or theft, subject to a $25 deductible.<\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/li><li>Earn unlimited 2% cash rewards on purchases.<\/li><li>0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>No categories to track or remember and cash rewards don't expire as long as your account remains open.<\/li><li>Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24\/7 Visa Signature<sup>\u00ae<\/sup> Concierge.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/ActiveCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-20280bf871#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>However, for those with savings, the <a data-ccid=\"4048258\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-unlimited-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/a> offers the best return on everyday spending. By leveraging the <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\" rel=\"noopener\">Bank of America Preferred Rewards program<\/a>, you can <a target=\"_blank\" href=\"\/credit-cards\/bank-of-america\/maximize-unlimited-cash-card-preferred-rewards\/\" rel=\"noopener\">earn 3.5% cashback on every purchase<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048258\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/6bd9a59e-9e8c-4b7b-8d6a-3382a4e43347.png\" width=\"150\" alt=\"Bank of America\u00ae Unlimited Cash Rewards credit card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\n$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Bank of America<sup>\u00ae<\/sup> Unlimited Cash Rewards credit card offers a simple and straightforward rewards setup, ideal if you prefer uncomplicated cash back earnings. With no annual fee, the card provides 2% cash back on purchases for the first year from account opening, then a flat rate of 1.5% cash back on all purchases. For Bank of America Preferred Rewards members, the cash back rate can increase significantly, up to 2.62% as an ongoing earning rate, depending on the account balance tier\u200b. <a href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Learn more about Preferred Rewards<\/a><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 2% cash back on purchases for the first year from account opening<\/li>\r\n<li>Earn unlimited 1.5% cash back on all purchases after year one<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BOAUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-20280bf871#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<h2><span id=\"Sign_Up_for_and_Click_Through_Shopping_Portals\">Sign Up for and Click Through Shopping Portals<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/shopping\/beginners-guide-to-shopping-portals\/\" rel=\"noopener\">Shopping portals<\/a> can be a huge boon when it comes to earning cash back. They're free to use and simply track your purchases, allowing you to earn rewards for (nearly) every dollar that you spend.<\/p>\n<p>Sites such as <a target=\"_blank\" href=\"http:\/\/cashbackmonitor.com\/\" rel=\"noopener\">Cashback Monitor<\/a> will let you know which shopping portal is offering the highest bonus for your purchase, but common cash-back sites include Rakuten, <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-shopping\/\" rel=\"noopener\">Capital One Shopping<\/a>, and <a target=\"_blank\" href=\"\/blog\/link\/TopCashback\" rel=\"noopener nofollow sponsored\">TopCashback<\/a>. Better yet, you can sometimes even <a target=\"_blank\" href=\"\/shopping\/rakuten-rewards\/\" rel=\"noopener\">score a cash-back bonus for signing up<\/a>.<\/p>\n<figure id=\"attachment_191471\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/377\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-191471 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30.png\" alt=\"Rakuten referral bonus\" width=\"750\" height=\"377\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30.png 2462w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30-300x151.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30-1024x515.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30-768x386.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30-1536x772.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-30-2048x1030.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Rakuten<\/em><\/enter><\/figure>\n<p>The best part about shopping portals is that they can be stacked with the rewards you earn with your credit card. For example, were you to use your <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> to shop online, you'd be able to earn up to 20% cash back (or more) via Rakuten, plus 6% back when using your card.<\/p>\n<figure id=\"attachment_189707\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/324\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189707 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back.png\" alt=\"Rakuten Cash Back Offers\" width=\"750\" height=\"324\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back.png 2474w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back-300x130.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back-1024x443.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back-768x332.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back-1536x664.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-Cash-Back-2048x886.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Rakuten<\/em><\/enter><\/figure>\n<h2><span id=\"Check_for_Card-Linked_Offers_for_Bonus_Cash_Back\">Check for Card-Linked Offers for Bonus Cash Back<\/span><\/h2>\n<p>Several card issuers offer opt-in savings programs for cardmembers. Perhaps the most famous of these is\u00a0<a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/beginners-guide-to-amex-offers\/\" rel=\"noopener\">Amex Offers<\/a>. In addition, Chase offers <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/beginners-guide-to-chase-offers\/\" rel=\"noopener\">Chase Offers<\/a> and Citi has <a target=\"_blank\" href=\"\/credit-cards\/current-citi-merchant-offers\/\" rel=\"noopener\">Citi Merchant Offers<\/a>. These limited-time offers let you save money on eligible purchases. You'll also frequently find options to earn cash back after spending a certain amount of money.<\/p>\n<p>These offers are targeted, meaning not everyone will see the same offer, and you need to add offers to your card before using them for bonus earnings.<\/p>\n<figure id=\"attachment_189705\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/221\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189705 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack.png\" alt=\"Amex Offers\" width=\"750\" height=\"221\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack.png 2392w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack-300x89.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack-1024x302.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack-768x227.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack-1536x453.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-CashBack-2048x604.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: American Express<\/em><\/enter><\/figure>\n<h2><span id=\"Download_and_Use_Cash-Back_Apps\">Download and Use Cash-Back Apps<\/span><\/h2>\n<p>Shopping portals may not always offer rewards if you're shopping in person rather than online, but it's worth double-checking before you swipe your card.<\/p>\n<p>Rakuten, for example, offers in-store rewards at a small number of stores, provided you pay with a card linked to your account.<\/p>\n<figure id=\"attachment_189706\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/258\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-189706 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore.png\" alt=\"Rakuten In Store Cash Back Offers\" width=\"750\" height=\"258\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore.png 2166w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore-300x103.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore-1024x353.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore-768x265.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore-1536x529.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/12\/Rakuten-InStore-2048x705.png 2048w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Rakuten<\/em><\/enter><\/figure>\n<p>This is also where cash-back apps such as <a target=\"_blank\" href=\"https:\/\/home.ibotta.com\/\" rel=\"noopener\">Ibotta<\/a> come in. This app, in particular, allows you to save money on purchases even when you shop in person. It's beneficial when grocery shopping since the rewards you earn aren't tied to the store you're shopping at. You'll receive cash back based on the products you purchase, which will be verified when you submit your receipt. Think of them as digital coupons.<\/p>\n<p>And like shopping portals, you'll be able to stack the rewards you earn on Ibotta with the ones you'll earn with your card, allowing you to really maximize the cash back that you're earning.<\/p>\n<p>Or, if miles are more your thing, you can <a target=\"_blank\" href=\"\/airlines\/united-mileageplus\/mileageplus-x-app\/\" rel=\"noopener\">earn United miles on in-person shopping through the United MileagePlus X app<\/a>.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/shopping\/how-to-stack-rewards-promotions\/\" rel=\"noopener\">The Critical Points: If You Don't Stack, You're Wasting Money<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The holiday season is upon us, so many are spending more than usual. To maximize your cash back this year, make smart money moves, such as using the right credit card and tracking purchases on shopping portals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The holiday season is upon us, which means many are spending more than usual. Maximize the cash back that you earn this year by making smart money moves, such as using the right credit card and tracking purchases on shopping portals.<\/p>\n","protected":false},"author":75,"featured_media":189709,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12054],"tags":[12621],"coauthors":[36395],"class_list":["post-136800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips","tag-earning-strategy"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/136800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=136800"}],"version-history":[{"count":27,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/136800\/revisions"}],"predecessor-version":[{"id":260266,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/136800\/revisions\/260266"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/189709"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=136800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=136800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=136800"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=136800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}