There are plenty of ways to easily earn points and miles on your credit card, such as welcome bonuses, flights and hotel stays. Then, there are some lesser known ways that rewards hackers think are the best. One such trick is called “double dipping,” where you can earn two different types of rewards for a single activity. It is definitely one of the best methods to consider when figuring out one of the best ways to spend your credit card.
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If you prefer to do most of your shopping online, then shopping portals is the way to go for double dipping. These shopping portals are basically third-party sites that partner up with various retailers to give you points, miles or cash back when you click through the portal to the merchant’s site. Rewards earned from these shopping portals can be stacked with the points, miles or cash back you get from making the purchase with your credit card.
There are a couple types of shopping portals, including airline, hotel, credit card and cash back. To find the best bonus, check out a shopping portal aggregator like Cashback Monitor. These sites compare earning rates across multiple portals and by specific retailers, so you can find the one that matches you perfectly.
A lot of the time, shopping portals also offer limited time promotions with elevated earning rates for certain merchants, or bonus rewards for select purchases over a holiday. Keep in mind though that yo should read the fine print whenever you decide to check out a shopping portal to make sure you are eligible for the bonus.
Whenever you dine out with the right credit card, you can earn a ton of rewards for your restaurant purchases. Especially if you have a card like the Chase Sapphire Reserve® which can earn you triple points on restaurant purchases. You can earn even more points if you double dip. Here area few ways you can do it.
- Dining Programs. Airline and hotel loyalty programs often have dining rewards networks. When you pay for a meal with a linked credit card, participating restaurants will reward you with points or miles. Again, these bonuses are separate from the rewards you earn with your credit card. Below is a list of popular dining programs and their welcome bonuses
|DINING PROGRAM||WELCOME BONUS||EARNING RATE|
|1,000 bonus points||Up to 5x points|
|1,000 bonus points||Up to 5x points|
|Delta Air Lines
|Up to 3,500 miles||Up to 5x points|
Rapid Rewards Dining
|1,000 bonus miles||3x points|
Free Spirit Dining
|1,000 bonus miles||Up to 5x points|
- OpenTable. You’ll get 100 points for every reservation you make (or 1,000 points at select restaurants and times) which you can redeem for future dining. So, each completed OpenTable reservation you make earns a discount on a future meal.
- Restaurant Vouchers/Certificates. Purchase discounts on meals at certain restaurants via sites like Restaurant.com, Groupon and Living Social. Be sure to read the fine print, as many of these vouchers have special limits on days, times and dishes.
Here is an example of how you can quadruple dip for the most amount of points. OpenTable + Restaurant.com/Groupon/Living Social/other discount + dining program + credit card dining rewards.
Additionally, all Marriott Bonvoy members enjoy a 10% bonus when transferring their Marriott points to United miles.
This bonus is in addition to the main 5,000-mile bonus you get for every 60,000 Marriott points you convert.
In terms of elite status:
- Marriott Bonvoy Titanium and Ambassador members automatically receive United MileagePlus Premier Silver status.
- United MileagePlus Gold members or higher automatically receive Marriott Bonvoy Gold status.
TIP: The Platinum Card® from American Express and Marriott Bonvoy Brilliant™ American Express® Card, both issued by American Express, automatically grant Marriott Gold elite status.
American Airlines + Hyatt
Started in 2019, American Airlines and Hyatt have also partnered up to offer some points back to help their customers earn elite status even faster. Hyatt elites earn 1x bonus points on AA flights while AA elites earn 1x bonus miles on Hyatt stays.
The bonuses mentioned are in addition the regular amount of AAdvantage miles you would normally earn from fli9ghts or Hyatt points you would normally earn on stays. All you have to do is link your AAdvantage and World of Hyatt accounts, and you will automatically be rewarded accordingly.
You may also get the opportunity to earn elite status much faster. For Hyatt, fast tracking towards elite status is available to Explorist or Globalist elites. AA fast tracking is limited to those who have AAdvantage Platinum status or higher. If you hold AA’s invite-only Concierge Key status, you’ll automatically receive Hyatt Globalist status.
TIP: The World of Hyatt Credit Card automatically grants Discoverist elite status.
Hyatt + M Life
Back in 2013, Hyatt partnered up with MGM Resorts so that members can easily earn and redeem points at luxurious properties on the famed Las Vegas Strip.
World of Hyatt members earn poitns and elite credits for stays at participating MGM properties, like the Bellagio, Mandalay Bay and Vdara. In addition to this, you can earn M life tier credits for these stays.
The Hyatt and M life partnership also offers status matching:
|WORLD OF HYATT||M LIFE|
With M life status, you will have access to on-property benefits such as room upgrades, priority check-in and VIP line access to night clubs and pool areas.
Retail Loyalty Programs
Although retail loyalty programs won’t get you any free luxurious hotel stays or first-class tickets, you will at least be able to earn some kind of reward for your loyalty with office supply stores, sports retailers, restaurants, pet supply stores and more.
Most retail loyalty programs will offer their customers future discounts. For example, customers can get a $5 coupon for every $100 you spend. Additionally, there may be instances where merchants will offer their customers perks such as complimentary shipping and a free birthday gift every year.
If you have an American Express credit card, you probably know all about Amex Offers or at least seen it. However, if you haven’t heard of these rewards, definitely take advantage of it because they come in three forms that can reward you:
- Spend X amount of dollars and get Y number of bonus points.
- Spend X amount of dollars and get Y amount of dollars back.
- Get X additional points for each dollar you spend at a select merchant.
Utliziing at least one or two of these deals every year can easily cover the annual fee of most Amex cards. Also, you can stack Amex Offers with other “double dips” on our list, so you can essentially “triple dip”.
Amex Fine Hotels & Resorts
Many luxury resorts partner up with platforms that help people book stays in order to offer additional benefits during your stay. One of the best options is to double dip through American Express Fine Hotels & Resorts for those that have The Platinum Card® from American Express.
This combination allows you to book rooms at high-end chain hotels as well as a boutique and unaffiliated properties worldwide. Because you are booking with Amex instated of directly with the hotel, you will enjoy a variety of benefits during your stay, which can include plenty of perks such as free food, room upgrades, property credits, early check in, late checkout or a welcome amenity. These perks are in addition to the 5x points you’d earn on prepaid hotel bookings.
Credit Cards Mentioned
The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value.
This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre?®.
The Platinum Card® from American Express offers 75,000 Membership Rewards Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
• 10X points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases.
• 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
• 5X Membership Rewards Points on prepaid hotels booked on amextravel.com.
This card comes with an annual fee of $550 (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
The Marriott Bonvoy BrilliantTM American Express® Card offers 125,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership. Offer Expires 5/12/2021.
In addition, you can enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
With this card, you'll earn:
• 6X Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels.
• 3X points at U.S. restaurants and on flights booked directly with airlines.
• 2X points on all other eligible purchases.
This card comes with a $450 annual fee and no foreign transaction fees. However, you can receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees. (See Rates & Fees)
Furthermore, enjoy unlimited airport lounge visits when you enroll in Priority Pass Select membership.
The World Of Hyatt Credit Card offers 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first 6 months of account opening.
You'll earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member. To add, you'll earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
You'll earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card.
This card does carry a $95 annual fee, however, the perks sure make up for it. For instance, you'll receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary and an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year.
Double dipping is simply a method to earn the most amount of points, miles, and rewards for your purchases. It is a quick and easy strategy to use and we have outlined the tools above in order to help you out. For more posts like this, check out our list of bank guides and rewards credit cards!