Holiday Shopping Tip: Maximizing Your Points, Miles and Cash Back for Online Shopping


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With the holidays right around the corner, it is important to maximize the number of points, miles or cash back earned on your online shopping. For every single purchase you make online, you should always start at an online shopping portal first. This will allow you to fully maximize your purchase and save you money or help you earn that free trip.

What is an Online Shopping Portal?

For those not familiar with an online shopping portal, it essentially gives you a kick back in the form of points, miles or cash back on almost every single purchase you make online. Payouts change daily and every portal has their own offers. You start at the online shopping site first, search for your online merchant, and you’ll then be taken directly to that merchants online website. At that point, you’ll shop how you normally would as if you went to the merchants site to begin with. It takes an extra minute and allows you to earn points or miles on the way — it is a no brainer!

Always start at an online shopping portal, such as the Chase Shopping Portal, to maximize your miles before you purchase an item.
Always start at an online shopping portal to maximize your miles before you purchase an item.

For example, let’s say you are looking to shop at the Gap and there is a payout of 5x American Airline miles per dollar spent. A $100 purchase will earn you an additional 500 American Airline miles for simply making a purchase that you were going to make anyways.

To find the best payout, I always suggest starting at evrewards.com or cashbackmonitor.com. These are two different aggregators that will show you the best payout for a certain merchant. Unfortunately though, payouts are not always 100% accurate and not all shopping portals will show up in the search, but it is a good place to start.

Best Shopping Portals

There are three different types of payouts you can earn with your online purchases — cash back, airline miles or credit card points. While sometimes the value of the miles or points earned is worth more than cash back, cash is king and can sometimes bring your purchase price down immediately.

Cash Back Shopping Sites

All the sites have different thresholds on a payout minimum and how often you get paid. I personally love TopCashBack due to the fact that there are no minimums and you can request a payout at any point. Many of the sites also will give you a new members sign up bonus, so you might as well take advantage of those sites first and snag your extra cash.

Tip: Start at Rakuten as they are currently giving a $40 bonus to new members!

Airline Miles Shopping Sites

The best part about earning airline miles while shopping online is that earning just 1 mile in the program will extend your accounts expiration date (for programs where miles expire).

The AA shopping portal will earn you bonus miles on all online purchases
With your upcoming shopping, you’ll want to maximize the number of points, miles or cash back you earn.

Credit Card Point Shopping Sites

Unfortunately American Express did away with their shopping site a few years ago, but you can still take advantage with these three sites:

Overall…

Make sure to not leave some extra points/miles or cash back on the table! Going through a portal literally takes an extra minute or two so there is no reason not to maximize your earnings!

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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