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Enhance Your Shopping Experience With Online Shopping Portals
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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Enhance Your Shopping Experience with Online Shopping Portals","alternativeHeadline":"Online Shopping Portals: Maximizing Your Rewards and Savings","image":{"@type":"ImageObject","url":"https://i.insider.com/619e9df01ca5280018113280?width=1200&format=jpeg","width":1200,"height":900},"name":"Online Shopping Portals: Maximizing Your Rewards and Savings","datePublished":"2024-07-18T17:54:54Z","dateModified":"2024-07-30T19:21:09Z","description":"Explore how online shopping portals can enhance your online shopping experience with cash back, points, and discounts.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.If you don't use a shopping portal when you shop online, you're forfeiting cash, airline miles, hotel points, and bank points that could easily fund your next vacation.An online shopping portal is a website that offers bonus rewards for shopping through its affiliate link. Rewards can include cash back, airline miles, hotel points, and various other loyalty \"currencies.\"Shopping portals offer a powerful way to supercharge your rewards on money you'd spend anyway. They're easy to use and don't alter your shopping experience. Here's everything you need to know about shopping portals including how to use them, tricks to maximizing them, and pitfalls to avoid.You can access thousands of merchants worldwide through shopping portals, from major retailers such as Best Buy and Apple to small brands with just a few locations. Dozens of companies offer shopping portals including Southwest, Delta, Capital One, Rakuten, and Mr. Rebates.You can use a tool such as Cashback Monitor to quickly evaluate various shopping portals for the best reward rate on an upcoming purchase. The right shopping portal may vary from store to store and even from time to time. Many portals offer elevated rates during peak shopping times, such as the weeks leading up to the end-of-year holiday season, or offer bonus returns during special promotional periods. Many airlines offer proprietary shopping portals. These are great ways to rack up bonus miles and points from the comfort of your couch.Here are some popular shopping portals from travel programs:Many travel-unrelated shopping portals pay you in cash back, such as:Some credit card issuers like Chase, Citi, and Barclays have their own versions of shopping portals, which require you to log into your account to use them. With these portals, you can earn bonus bank points or cash back.With all these options, it can be hard to discern where to find the biggest return for your shopping. Shopping portal bonuses are always changing, after all. Here's how to stay on top of the best deals. You'll need an account for every shopping portal you use in order to track your purchases and payouts. You'll need to sign up with an email address and password, and you'll need to input a payment method such as PayPal in order to cash out your rewards. Some portals allow you to redeem your rewards in the form of gift cards to popular retailers such as Amazon or Starbucks. Once you find the retailer you want to shop within the merchant directory, you'll be taken to the official store website. For the most part, you won't notice any difference during your shopping; the prices are the same, and the merchant code won't change when the purchase is posted to your credit card.Shopping portals occasionally specify that you can't use a store coupon or promo code at checkout. If you find this in the shopping portal's fine print, you'll have to do the math to see which route will save you the most money.Each shopping portal offers a unique payout scheme for making purchases. For example:Some portals also publish promotions that reward you for spending a certain amount of money, such as $20 back for spending $100. Some people have a favorite portal or two, and stick with them regardless of the reward rate. But savvy consumers know to shop around for the best discounts or promotional payouts on every online purchase. Here are some tips for maximizing your earning opportunities.Shopping portal aggregators allow you to view all the shopping portal deals in one place. This can save literally hours for those who shop online with regularity.Cashback Monitor is one of the best aggregators to use, although some shoppers also use Evreward or Cashbackholic.Cashback Monitor quickly showcases the most viewed stores, the retailers offering the highest returns that day, and offers a comprehensive search tool that helps you find any retailer that offers shopping portal rewards. Enter the name of the retailer you plan to use, and Cashback Monitor will display every shopping portal that works with that particular store, as well as the current rate and form of return. Results are organized by reward category: While the website orders its list of portals by return rate, you can rearrange this list to reflect your personal value of each reward currency. If you value American Airlines miles twice as highly as Southwest points, for example, you can ask Cashback Monitor to list American Airlines miles before Southwest even if a shopping portal offers 4 American Airlines miles vs. 7 Southwest points per dollar. To set up preferences like this, you'll have to create a Cashback Monitor account (it's free).Quick tip: Read Business Insider's points and miles valuations to find out how much your credit card rewards are worth.Internet browser extensions are an excellent way to save money when shopping online. These extensions notify you if a product you're viewing qualifies for rewards through a shopping portal. If you install multiple extensions, you may receive a series of handy pop-ups whenever an item qualifies.The most popular extensions include:Rakuten is a unique portal that allows shoppers to choose between earning cash back or Amex Membership Rewards points (1 cent = 1 point). If a store is offering 8% back via Rakuten, for example, you can earn up to 8 Amex points per dollar instead of 8 cents per dollar. Since Business Insider values Amex points at 1.8 cents each toward travel, that 8% return is worth closer to around 14.4% on every dollar you spend.If you know the best ways to use Amex Membership Rewards points, choosing to earn points instead of cash is the way to go.Stacking credit card rewards with portal discounts and promotions can help you save big on your shopping.The rewards you earn through online shopping portals are completely separate from those you'll earn from other bonus opportunities, such as a rewards credit card. If you use a good credit card in addition to a shopping portal, you'll earn points, miles, or cash back from your credit card in addition to the shopping portal bonus.For example, if you buy a laptop at Staples through the Wyndham Rewards shopping portal with your Ink Business Cash® Credit Card, you'll receive:That's quite a points haul — effectively 14 points per dollar. A reasonably priced laptop will likely earn you more than 10,000 points.You can add another level to shopping portals by incorporating additional bonuses such as Amex Offers. Amex Offers are targeted statement credits or bonus points that trigger when you enroll your card and spend at select merchants. For example, The Blue Business® Plus Credit Card from American Express occasionally offers select cardholders 10% back at Dell, up to a total of $1,500.If you have this offer on your card and choose to buy a $500 computer monitor from Dell via the American Airlines shopping portal, you can earn:Thus, you'll earn 2,000 points and a $50 rebate on that monitor simply by triple-stacking these three deals. Throughout the year, but especially around the holidays, shopping portals issue promotions incentivizing you to spend specific dollar amounts with them. They're often tiered — something like:If you're going to be making purchases anyway, it's worth perusing your favorite shopping portal to see if they've got an active promotion like this.If you're the kind of person who will scratch and claw for every extra point, you can also use shopping portals in-store. If you see something you like, simply log onto your favorite shopping portal, make your purchase, and choose in-store pickup. Many stores prepare your order in about an hour — but this strategy is only worth it if you'll be hanging around the store for a while.Read the portal's fine print before you check out. Some items are exempt from earning bonus rewards (cash equivalents such as gift cards are commonly ineligible for earning shopping portal rewards). A shopping portal works by directing you to your desired merchant and then tracking your activity until checkout. Ad blockers often prevent shopping portals from tracking you, meaning the portal won't have a record of your purchase — and you'll get no rewards.Fortunately, many portals will warn you that your ad blocker is preventing them from tracking you, allowing you to temporarily disable it before checkout.If you enter a promo code or coupon code at checkout, this will sometimes disqualify you from earning shopping portal rewards. It's not a rule — you can sometimes get away with it — but unless the savings outweighs the bonus points, it's better to be safe than sorry.Some retailers are stricter than others, stating that you may not earn a bonus if you only click through the shopping portal once you've filled up your online shopping cart. Make sure you always read the fine print for each portal and each retailer before clicking through, since terms and conditions change all the time. Consider the types of rewards you prefer (cash back, points, miles), the retailers available through the portal, and user reviews for reliability and customer service.Not all retailers participate in every shopping portal. You'll need to use the portals that partner with the retailers where you intend to shop.You can only use one shopping portal per purchase, but you can switch between portals for different purchases to maximize rewards.Follow the portal's instructions carefully, ensure your browser allows cookies (for tracking purposes), and keep receipts in case you need to file a claim for missing rewards.Often, yes. Many shopping portals allow you to take advantage of retailer sales and promotions, and you may also be able to stack rewards with those from your credit card.","articleSection":"Personal Finance, Credit Cards, Retail","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How do I choose the best online shopping portal for my needs?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Consider the types of rewards you prefer (cash back, points, miles), the retailers available through the portal, and user reviews for reliability and customer service.</p>"}},{"@type":"Question","name":"Can I use online shopping portals with any online retailer?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Not all retailers participate in every shopping portal. 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Online Shopping Portals: Maximizing Your Rewards and Savings</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Joseph Hostetler" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/joseph-hostetler" >Joseph Hostetler</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-07-18T17:54:54Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-07-18T17:54:54Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> <span class="share-link facebook " data-facebook 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headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">Shopping portals are one of the most powerful tools for online shoppers to earn bonus cash back, travel rewards and other benefits.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Crystal Cox/Business Insider </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#introduction-to-online-shopping-portals" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Introduction to Online Shopping Portals </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-use-online-shopping-portals" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Use Online Shopping Portals </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#maximizing-rewards-with-shopping-portals" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Maximizing Rewards with Shopping Portals </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#what-to-watch-out-for" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What to watch out for </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#introduction-to-online-shopping-portals" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Introduction to Online Shopping Portals </a> </li> <li> <a href="#how-to-use-online-shopping-portals" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Use Online Shopping Portals </a> </li> <li> <a href="#maximizing-rewards-with-shopping-portals" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Maximizing Rewards with Shopping Portals </a> </li> <li> <a href="#what-to-watch-out-for" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What to watch out for </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>Online shopping portals allow consumers to earn bonus rewards for online purchases.</li> <li>Shoppers can "double dip" on rewards using a rewards credit card through an online shopping portal.</li> <li>Shopping portals typically offer rewards in the form of cash back, airline miles, or hotel points.</li> </ul><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="Introduction to Online Shopping Portals" id="introduction-to-online-shopping-portals" class="toc-anchor">Introduction to Online Shopping Portals</h2><p>If you don't use a shopping portal when you shop online, you're forfeiting cash, airline miles, hotel points, and bank points that could easily fund your next vacation.</p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">What are online shopping portals?</h3><p>An online shopping portal is a website that offers bonus rewards for shopping through its affiliate link. Rewards can include cash back, airline miles, hotel points, and various other loyalty "currencies."</p><p>Shopping portals offer a powerful way to supercharge your rewards on money you'd spend anyway. They're easy to use and don't alter your shopping experience. </p><p>Here's everything you need to know about shopping portals including how to use them, tricks to maximizing them, and pitfalls to avoid.</p><h2>How do shopping portals work? </h2><p>You can access thousands of merchants worldwide through shopping portals, from major retailers such as Best Buy and Apple to small brands with just a few locations. Dozens of companies offer shopping portals including <a href="https://rapidrewardsshopping.southwest.com/" data-analytics-product-module="body_link" rel=" nofollow">Southwest</a>, <a href="https://www.skymilesshopping.com/" data-analytics-product-module="body_link" rel=" nofollow">Delta</a>, <a href="https://capitaloneshopping.com/" data-analytics-product-module="body_link" rel=" nofollow">Capital One</a>, <a href="https://www.rakuten.com/" data-analytics-product-module="body_link" rel=" nofollow">Rakuten</a>, and <a href="https://www.mrrebates.com/" data-analytics-product-module="body_link" rel=" nofollow">Mr. Rebates</a>.</p><p>You can use a tool such as <a href="https://www.cashbackmonitor.com/" data-analytics-product-module="body_link" rel=" nofollow">Cashback Monitor</a> to quickly evaluate various shopping portals for the best reward rate on an upcoming purchase. </p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Finding the right shopping portal</h3><p>The right shopping portal may vary from store to store and even from time to time. Many portals offer elevated rates during peak shopping times, such as the weeks leading up to the end-of-year holiday season, or offer bonus returns during special promotional periods. </p><p>Many airlines offer proprietary shopping portals. These are great ways to rack up bonus miles and points from the comfort of your couch.</p><p>Here are some popular shopping portals from travel programs:</p><ul><li><a href="https://www.mileageplanshopping.com/" target="_blank" rel="noopener nofollow">Alaska Airlines Mileage Plan Shopping</a></li><li><a href="https://www.aadvantageeshopping.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-post-depth="40" data-uri="a9327aa3636109f9fb001e0a8e3e0822">American Airlines AAdvantage eShopping</a></li><li><a href="https://www.skymilesshopping.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-post-depth="40" data-uri="23067ba63719e1b7000bec58231d2b9d">Delta SkyMiles Shopping</a></li><li><a href="https://trueblueshopping.jetblue.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-post-depth="40" data-uri="a5c21e6417d4097c1744f0611217ea4f">JetBlue TrueBlue Shopping</a></li><li><a href="https://rapidrewardsshopping.southwest.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-post-depth="40" data-uri="fa0b9cd103df9aeceeeb8b33e7320003">Southwest Rapid Rewards Shopping</a></li><li><a href="https://shopping.mileageplus.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-post-depth="40" data-uri="590d96782ebc22c83d9f6204d91ab85f">United MileagePlus Shopping</a></li><li><a href="https://shopandearn.wyndhamrewards.com/en/" target="_blank" rel="noopener nofollow sponsored">Wyndham Rewards</a></li><li><a href="https://shop.amtrakguestrewards.com/" target="_blank" rel="noopener nofollow sponsored">Amtrak Guest Rewards</a></li></ul><p>Many travel-unrelated shopping portals pay you in cash back, such as:</p><ul><li><a href="https://www.topcashback.com/" target="_blank" rel="noopener nofollow sponsored">TopCashback</a></li><li><a href="https://www.rakuten.com/" target="_blank" rel="noopener nofollow sponsored">Rakuten</a> (you can choose to earn cash back or Amex Membership Rewards points)</li><li><a href="https://www.befrugal.com/" target="_blank" rel="noopener nofollow">BeFrugal</a></li><li><a href="https://www.upromise.com/shop-featured" target="_blank" rel="noopener nofollow sponsored">Upromise</a></li></ul><p>Some credit card issuers like Chase, Citi, and Barclays have their own versions of shopping portals, which require you to log into your account to use them. With these portals, you can earn bonus bank points or cash back.</p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="How to Use Online Shopping Portals" id="how-to-use-online-shopping-portals" class="toc-anchor">How to use online shopping portals</h2><p>With all these options, it can be hard to discern where to find the biggest return for your shopping. Shopping portal bonuses are always changing, after all. Here's how to stay on top of the best deals. </p><h3>Creating an account and linking payment methods</h3><p>You'll need an account for every shopping portal you use in order to track your purchases and payouts. You'll need to sign up with an email address and password, and you'll need to input a payment method such as PayPal in order to cash out your rewards. Some portals allow you to redeem your rewards in the form of gift cards to popular retailers such as Amazon or Starbucks. </p><h3>Making purchases through portals</h3><p>Once you find the retailer you want to shop within the merchant directory, you'll be taken to the official store website. For the most part, you won't notice any difference during your shopping; the prices are the same, and the merchant code won't change when the purchase is posted to your credit card.</p><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 791 / 1229)"> <meta itemprop="contentUrl" content="https://i.insider.com/619e6f6ad8faa3001870a34a"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/619e6f6ad8faa3001870a34a":{"contentType":"image/png","aspectRatioW":1229,"aspectRatioH":791}}" alt="Rakuten website"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> After choosing your shopping portal of choice, click through the retailer's page to be taken to the actual merchant website. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Rakuten website </span> </figcaption> </span> </figure><aside class="quick-tip headline-regular ignore-typography"><p>Shopping portals occasionally specify that you can't use a store coupon or promo code at checkout. If you find this in the shopping portal's fine print, you'll have to do the math to see which route will save you the most money.</p></aside><p>Each shopping portal offers a unique payout scheme for making purchases. For example:</p><ul><li>You may earn a fixed number of points per dollar you spend, unique for each merchant (for example, 5x points with Macy's versus 2x points with Apple)</li><li>You may receive a few thousand points for enrolling in a food or media subscription</li><li>You may receive 1,000+ bonus points if it's your first time using a particular shopping portal</li></ul><p>Some portals also publish promotions that reward you for spending a certain amount of money, such as $20 back for spending $100. </p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="Maximizing Rewards with Shopping Portals" id="maximizing-rewards-with-shopping-portals" class="toc-anchor">Maximizing rewards with shopping portals</h2><p>Some people have a favorite portal or two, and stick with them regardless of the reward rate. But savvy consumers know to shop around for the best discounts or promotional payouts on every online purchase. Here are some tips for maximizing your earning opportunities.</p><h3 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]">Tips for increasing rewards</h3><p>Shopping portal aggregators allow you to view all the shopping portal deals in one place. This can save literally hours for those who shop online with regularity.</p><p><a href="https://www.cashbackmonitor.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">Cashback Monitor</a> is one of the best aggregators to use, although some shoppers also use <a href="https://evreward.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">Evreward</a> or <a href="https://www.cashbackholic.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">Cashbackholic</a>.</p><p>Cashback Monitor quickly showcases the most viewed stores, the retailers offering the highest returns that day, and offers a comprehensive search tool that helps you find any retailer that offers shopping portal rewards. </p><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 849 / 709)"> <meta itemprop="contentUrl" content="https://i.insider.com/619e7dc9d8faa3001870a826"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/619e7dc9d8faa3001870a826":{"contentType":"image/png","aspectRatioW":709,"aspectRatioH":849}}" alt="Cashback Monitor shopping portal aggregator website"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> View the most popular (and most rewarding) stores at a glance. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Cashback Monitor </span> </figcaption> </span> </figure><p>Enter the name of the retailer you plan to use, and Cashback Monitor will display every shopping portal that works with that particular store, as well as the current rate and form of return. Results are organized by reward category: </p><ul><li>Cash back</li><li>Travel miles/points</li><li>Credit card points</li><li>Other reward points</li></ul><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 706 / 1039)"> <meta itemprop="contentUrl" content="https://i.insider.com/619e7f5363e3f30018758765"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/619e7f5363e3f30018758765":{"contentType":"image/png","aspectRatioW":1039,"aspectRatioH":706}}" alt="Cashback Monitor page outlining the current return rates with Walmart."> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Search "Walmart" and you can easily see the biggest payout for your Walmart shopping. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Cashback Monitor </span> </figcaption> </span> </figure><p>While the website orders its list of portals by return rate, you can rearrange this list to reflect your personal value of each reward currency. If you value American Airlines miles twice as highly as Southwest points, for example, you can ask Cashback Monitor to list American Airlines miles before Southwest even if a shopping portal offers 4 <a href="https://www.businessinsider.com/personal-finance/how-to-earn-redeem-american-airlines-aadvantage-miles" rel="noopener" data-analytics-product-module="body_link">American Airlines miles</a> vs. 7 Southwest points per dollar. </p><p>To set up preferences like this, you'll have to create a Cashback Monitor account (it's free).</p><p><strong>Quick tip:</strong> <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-module="body_link" data-analytics-post-depth="60" data-uri="86046fc9cb71b24b1404b8d3a265aa5c" data-analytics-product-module="body_link" rel="">Read Business Insider's points and miles valuations</a> to find out how much your credit card rewards are worth.</p><h3>Use browser extensions</h3><p>Internet browser extensions are an excellent way to save money when shopping online. These extensions notify you if a product you're viewing qualifies for rewards through a shopping portal. If you install multiple extensions, you may receive a series of handy pop-ups whenever an item qualifies.</p><p>The most popular extensions include:</p><ul><li><a href="https://chrome.google.com/webstore/detail/rakuten-get-cash-back-for/chhjbpecpncaggjpdakmflnfcopglcmi" target="_blank" rel="noopener nofollow sponsored">Rakuten</a></li><li><a href="https://chrome.google.com/webstore/detail/capital-one-shopping-add/nenlahapcbofgnanklpelkaejcehkggg" target="_blank" rel="noopener nofollow sponsored">Capital One Shopping</a></li><li><a href="https://chrome.google.com/webstore/detail/american-airlines-aadvant/dcdiajifnnbipfljbggcbbheipfdmgpo" target="_blank" rel="noopener nofollow sponsored">American Airlines AAdvantage eShopping</a></li><li><a href="https://chrome.google.com/webstore/detail/rapid-rewards-shopping%C2%AE-b/iblgdcjagdifpikcobibfpkddkphllmc" target="_blank" rel="noopener nofollow sponsored">Southwest Rapid Rewards Shopping</a></li><li><a href="https://chrome.google.com/webstore/detail/united-airlines-mileagepl/apcjkhjbhapedgbekhlhdkidpohpkfne" target="_blank" rel="noopener nofollow sponsored">United Airlines MileagePlus Shopping</a></li></ul><p>Rakuten is a unique portal that allows shoppers to choose between earning cash back or Amex Membership Rewards points (1 cent = 1 point). If a store is offering 8% back via Rakuten, for example, you can earn up to 8 Amex points per dollar instead of 8 cents per dollar. Since Business Insider values Amex points at 1.8 cents each toward travel, that 8% return is worth closer to around 14.4% on every dollar you spend.</p><p>If you know the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">best ways to use Amex Membership Rewards points</a>, choosing to earn points instead of cash is the way to go.</p><h2>Combining portals with credit card rewards</h2><p>Stacking credit card rewards with portal discounts and promotions can help you save big on your shopping.</p><p>The rewards you earn through online shopping portals are completely separate from those you'll earn from other bonus opportunities, such as a rewards credit card. If you use a good credit card in addition to a shopping portal, you'll earn points, miles, or cash back from your credit card in addition to the shopping portal bonus.</p><p>For example, if you buy a laptop at Staples through the <a href="https://shopandearn.wyndhamrewards.com/en/" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">Wyndham Rewards shopping portal</a> with your <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Cash® Credit Card</a>, you'll receive:</p><ul><li>9 Wyndham points per dollar for shopping through the portal (offer current at the time of post writing)</li><li>5 <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" rel="">Chase Ultimate Rewards points</a> per dollar (5% back) for using your Ink Business Cash at Staples (the card earns 5x points at office supply stores*)</li></ul><p>That's quite a points haul — effectively 14 points per dollar. A reasonably priced laptop will likely earn you more than 10,000 points.</p><p>You can add another level to shopping portals by incorporating additional bonuses such as <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-amex-offers-available-now" data-analytics-product-module="body_link" rel="">Amex Offers</a>. Amex Offers are targeted statement credits or bonus points that trigger when you enroll your card and spend at select merchants. For example, <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-plus-credit-card-review" data-analytics-product-module="body_link" rel="">The Blue Business® Plus Credit Card from American Express</a> occasionally offers select cardholders 10% back at Dell, up to a total of $1,500.</p><p>If you have this offer on your card and choose to buy a $500 computer monitor from Dell via the American Airlines shopping portal, you can earn:</p><ul><li>1,000 American Airlines miles (2 miles per dollar for using the American Airlines shopping portal)</li><li>$50 statement credit (10% back on my Dell purchase with Amex Offers)</li><li>1,000 Amex Membership Rewards points (2 points per dollar spent on The Blue Business® Plus Credit Card from American Express)</li></ul><p>Thus, you'll earn 2,000 points and a $50 rebate on that monitor simply by triple-stacking these three deals. </p><h3>Look for holiday promotions</h3><p>Throughout the year, but especially around the holidays, shopping portals issue promotions incentivizing you to spend specific dollar amounts with them. They're often tiered — something like:</p><ul><li>Spend $250, earn 500 bonus points</li><li>Spend $500, earn 1,000 bonus points</li><li>Spend $750, earn 3,000 bonus points</li></ul><p>If you're going to be making purchases anyway, it's worth perusing your favorite shopping portal to see if they've got an active promotion like this.</p><h3>In-store purchases</h3><p>If you're the kind of person who will scratch and claw for every extra point, you can also use shopping portals in-store. If you see something you like, simply log onto your favorite shopping portal, make your purchase, and choose in-store pickup. Many stores prepare your order in about an hour — but this strategy is only worth it if you'll be hanging around the store for a while.</p><h2 data-toc-label="What to watch out for" id="what-to-watch-out-for" class="toc-anchor">Avoiding common pitfalls</h2><h3>Not all purchases qualify</h3><p>Read the portal's fine print before you check out. Some items are exempt from earning bonus rewards (cash equivalents such as gift cards are commonly ineligible for earning shopping portal rewards). </p><h3>Ad blockers may stop up your earnings</h3><p>A shopping portal works by directing you to your desired merchant and then tracking your activity until checkout. Ad blockers often prevent shopping portals from tracking you, meaning the portal won't have a record of your purchase — and you'll get no rewards.</p><p>Fortunately, many portals will warn you that your ad blocker is preventing them from tracking you, allowing you to temporarily disable it before checkout.</p><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 377 / 560)"> <meta itemprop="contentUrl" content="https://i.insider.com/619e8e7d63e3f30018758b83"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/619e8e7d63e3f30018758b83":{"contentType":"image/png","aspectRatioW":560,"aspectRatioH":377}}" alt="Rakuten website alerting the user that ad blockers are enabled."> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> You'll usually get a warning if your ad blocker is on. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Rakuten </span> </figcaption> </span> </figure><h3>Some promotions disqualify your order</h3><p>If you enter a promo code or coupon code at checkout, this will sometimes disqualify you from earning shopping portal rewards. It's not a rule — you can sometimes get away with it — but unless the savings outweighs the bonus points, it's better to be safe than sorry.</p><h3>You may need to clear your cart before shopping through a portal</h3><p>Some retailers are stricter than others, stating that you may not earn a bonus if you only click through the shopping portal once you've filled up your online shopping cart. Make sure you always read the fine print for each portal and each retailer before clicking through, since terms and conditions change all the time. </p><h2 data-pm-slice="1 1 ["table",{},"table_row",{},"table_cell",{"colspan":1,"rowspan":1,"colwidth":[120]}]" data-toc-label="FAQs" id="faqs" class="toc-anchor">Shopping portal frequently asked questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I choose the best online shopping portal for my needs? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Consider the types of rewards you prefer (cash back, points, miles), the retailers available through the portal, and user reviews for reliability and customer service.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I use online shopping portals with any online retailer? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Not all retailers participate in every shopping portal. You'll need to use the portals that partner with the retailers where you intend to shop.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it possible to use more than one shopping portal at a time? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can only use one shopping portal per purchase, but you can switch between portals for different purchases to maximize rewards.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I ensure I receive my rewards from a shopping portal? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Follow the portal's instructions carefully, ensure your browser allows cookies (for tracking purposes), and keep receipts in case you need to file a claim for missing rewards.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I combine shopping portal rewards with other discounts or promotions? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Often, yes. Many shopping portals allow you to take advantage of retailer sales and promotions, and you may also be able to stack rewards with those from your credit card.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/online-shopping-portals-maximize-rewards-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="joseph-hostetler"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" alt="Joseph Hostetler"> <noscript> <img src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Joseph Hostetler</div> </a> <div class="post-author_title headline-regular">Credit cards reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Joseph Hostetler is a credit card expert who specializes in helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF).</span><span>Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" 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