The biggest savings come from combining multiple discounts on a single purchase. This guide shows you exactly how to stack promo codes, cashback, credit card rewards, and more—legally and effectively.
The Stacking Strategy
Think of discounts as layers. Each layer reduces your final cost, and the order matters. Here is the optimal stacking sequence:
Layer 1: Sale Prices
Start with items already on sale. This is your base discount. Many retailers have ongoing clearance sections or seasonal markdowns.
Layer 2: Promo Codes
Apply your coupon code at checkout. Some retailers allow codes on sale items; others do not. Test before assuming it will not work.
Layer 3: Cashback
Click through a cashback portal (Rakuten, TopCashback, RetailMeNot) before shopping. Cashback is calculated on your post-coupon total. Typical rates: 1-10%.
Layer 4: Credit Card Rewards
Use a card with bonus categories or rotating rewards. Chase Freedom, Discover, and Amex offer 5% back at select retailers quarterly.
Layer 5: Gift Cards at Discount
Buy discounted gift cards (5-15% off) from Raise, CardCash, or during promotions. Pay with the gift card to stack another layer of savings.
Real Example: Stacking in Action
Purchase: $100 jacket at Nordstrom
- Sale price: $100 → $70 (30% off clearance)
- Promo code: 15% off → $59.50
- Rakuten cashback: 6% → $3.57 back
- Chase Freedom: 5% rotating category → $2.97 back
- Final effective price: ~$53 (47% total savings)
Stores That Allow Stacking
These retailers are particularly stack-friendly:
- Target – Circle offers + manufacturer coupons + REDcard
- Kohl’s – Kohl’s Cash + promo codes + rewards
- Bed Bath & Beyond – Multiple coupons + Beyond+ membership
- Macy’s – Star Rewards + sale prices + codes