Cash Back Sites vs Credit Card Rewards

A common question we get: "If my credit card already gives me 2% cash back, do I still need a cash back site?" The answer is yes - and using both at the same time is the single biggest savings hack most people don't take advantage of. Here's why and how it works.

The Two Things Are Not Competitors

Cashback sites and rewards credit cards usually earn from different sources, so eligible purchases can often earn both. Merchant exclusions and card terms still apply.

• Credit cards earn rewards from interchange fees - the small percentage every merchant pays the card network on every transaction.
• Cashback sites earn from affiliate commissions - a separate marketing budget the merchant pays to drive traffic.

When both programs consider the purchase eligible, you can use a rewards card after opening the retailer through a cashback link and earn both rewards.

How to Stack Them

1. Click "Shop Now" through a cashback site like StackWell. This adds an affiliate referral cookie to your browser.
2. Shop normally and add items to your cart at the merchant.
3. At checkout, use a rewards credit card.
4. If both programs approve the purchase, the StackWell reward and the card reward are credited separately.

Real Example

You buy $200 of clothing through StackWell at a store paying 10% back, using a 2% rewards credit card:

• Cashback from StackWell: $20
• Rewards from your credit card: $4
• Total back: $24 on a $200 purchase (12%)

The card issuer handles its reward. The StackWell reward appears after the affiliate network reports the transaction, then remains subject to merchant confirmation.

Best Credit Cards to Stack With Cash Back Sites

Eligible rewards cards can add value through category bonuses or flat-rate rewards. Check issuer and merchant terms before estimating the combined benefit.