Black Friday tip: Maximize your points and cash back with an online shopping portal

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Black Friday is officially here, which means everyone is looking to snag a good deal. But, before you go ahead and make your purchase, there are extra ways to stack your savings on single purchase you make. This is why your first stop — before you go straight to the merchants website directly — should be an online shopping portal. This will allow you to earn points or miles or save even more money on your purchase.

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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 Bloomingdales and there is a payout of 15% cash back. A $100 purchase will earn you an additional $15 in cash back — simply making a purchase that you were going to make anyways.

To find the best payout, I always suggest starting at or 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. However, I’m finding that Rakuten is offering the best cash back offers during Black Friday.

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.

  • Rakuten (new members receive a $40 bonus)
  • TopCashback (new members receive a $30 bonus)
  • RebatesMe (new members receive a $10 bonus)
  • BeFrugal (new members receive a $10 bonus)
  • Swagbucks (new members receive a $3 bonus)

Tip: Start at Rakuten as they are currently giving a $40 bonus to new members! But once you max out each reward, move on to the next.

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

Here are the shopping sites through the banks. Over the past year, Capital One has offered some incredibly strong payouts.


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!

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2 years ago

American Express now has a partnership with Rakuten where if you have an AmEx card that earns unrestricted Member Rewards points, even a lowly Everyday card, you can set up your rebates to post as MR points, even if you pay with a different card in that shopping trip. It can be pretty useful.

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