Maximize Your Points With Back to School Shopping

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Back to school shopping can be a major expense, but if you play your cards right (literally) you can rack up a ton of miles and points by leveraging online shopping portals. What are these portals? Basically online retailers pay a commission to websites to refer them business – so these portals are simply intermediary sites where you click through to popular retailers sites and in doing so, a cookie is stored on your computer and you get a certain number of miles/points for every dollar you end up spending. Say that retailer paid the portal 10% of your total purchase for the referral – the portal in turns kicks you back, say 5%, in the form of miles usually deposited automatically into your account a week or two after the purchase.

From a consumer perspective there’s no reason to not take advantage of these portals because they take you to the exact same site as if you went there directly, but instead you rack up a bunch of extra points that are in addition to the points you earn from your credit card. It’s a no brainer double dip.

I know people like to physically go into stores to pick out merchandise, but what I recommend is buying what you need online and then if necessary, going into the store and exchanging merchandise as needed. This way you get the lucrative online shopping bonuses and you can shop in store. Of course most stores will take back points if you return merchandise, but exchanging may allow you to still keep the portal points. Can’t hurt to try! At a very minimum you are earning portal points for the merchandise you don’t need to return/exchange. Plus you should really just get in the habit of always shopping online to maximize your points earning, so no better time than the present to start.

My favorite portal is the Chase Ultimate Rewards earning portal because the points earned can be accrued into your central Ultimate Rewards account and then transferred to partners like United, Hyatt and Southwest. On top of the flexibility factor, the earning ratios are generally better than going through those partners’ portals directly. I also like the American Express’ earning portal, but it’s currently under a major renovation and my Amex sources tell me it should be back soon and is definitely not being discontinued. I’ll update on that as soon as I hear anything.

As an added bonus, if you are a Delta American Express cardholder, you can earn up to 5,000 bonus miles with their Back to School promotion: 250 extra miles per $250 spent.

Delta Skymiles Bonus Offer

Here are some of the most popular back-to-school retailers with my picks on the best deals. Check out to find different earning ratios between portals, though note that it’s not 100% perfect so always check your preferred portals directly for the most up-to-date earning information.
Receive an extra 10-20% off & free shipping on orders of $59 or more in clothing, jewelry & for the home when you use code SEARSBTS
during checkout.
Chase Ultimate Rewards
: 10 points per $1
Delta: 4 miles per $1
15% off everything with code LPS15OFF
Chase Ultimate Rewards: 10 points per $1

Bed Bath & Beyond
Bed Bath and Beyond is offering free shipping on thousands of college essentials. One of the coolest features at Bed Bath & Beyond is their “Shop Here, Pick Up There” option. TPG Intern Ryan did this when he went to college, where you shop at your local Bed Bath & Beyond and can take your time deciding what you need for college and then you scan all the items. Then, you let them know where you are going to be attending college and they find the closest store, and when you arrive there all your items are boxed up. You can go through it then to reconfirm and decide if you need to make any changes and then pay. It saves a lot of time, especially on move-in day!

Earn bonus points by shopping through the following shopping portals:
Chase Ultimate Rewards: 2 point per $1 (1 mile with most other portals)
Target offers free shipping on their daily deals plus over 500,000 items are eligible for free shipping when you spend $50 or more. Those items will say, “Ships free with qualifying $50 order.”
Chase Ultimate Rewards: 2 point per $1
American: 2 mile per $1
Marriott: 4 points per $1
Free shipping on certain TVs and items classified as “Cool College Gear.”
United: 3 miles per $1
US Airways: 3 miles per $1
Macy’s offers free shipping on all purchases of over $99 on their site.
Chase Ultimate Rewards: 3 point per $1
American: 4 mile per $1
Hawaiian: 4 miles per $1
Staples offers free shipping on all orders of $45 or more on their site. You can also sign up for Staples Rewards and get at least an additional 2% back on all purchases. Also note that the Ink Bold and Ink Plus cards earn 5x Ultimate Rewards points at Staples since it qualifies as an office supply purchase.
Chase Ultimate Rewards: 5 point per $1
American: 3 mile per $1
Delta: 3 miles per $1
They offer free shipping on all purchases of $50 or more. They have some prepackaged backpacks where you get the backpack filled with $25 worth of free school supplies all bundled together. Also note that the Ink Bold and Ink Plus cards earn 5x Ultimate Rewards points at Office Max since it qualifies as an office supply purchase.
Chase Ultimate Rewards: 3 point per $1
American: 3 mile per $1
Delta: 2 miles per $1
Hawaiian Airlines: 3 miles per $1
Apple offers free shipping on all orders over $50 or free in-store pick up on any item. Be sure to use the education store to save even more with discounts for students and teachers. Another promotion, they are currently offering is when you buy a new Mac, you can get a $100 gift card to the Apple App store toward any software purchase.
Chase Ultimate Rewards: 1 point per $1
Amtrak: 4 points per $1
American: 1 mile per $1
Delta: 1 mile per $1
Priority Club: 2 points per $1

Here’s a list of some other popular shopping portals:
Air Canada: Aeroplan EStore
American Express: Bonus Points Mall (Currently under maintenance)
Amtrak: Amtrak Guest Rewards
Chase: Ultimate Rewards Shopping
Choice Rewards: Choice Privileges Mall
Citi: Thank You Shopping
Discover: ShopDiscover
Frontier: Early Returns Mall
Hawaiian Airlines: Hawaiian Airlines eMarket
Hilton HHonors: Hilton HHonors Earnings Mall
Marriott Rewards: Shop My Way
Mastercard: Mastercard Marketplace
Priority Club: Priority Club Shopping
Southwest: Rapid Rewards Shopping
US Airways: Dividend Miles Shopping Mall

Ink Plus® Business Credit Card

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  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Intro APR Regular APR Annual Fee Balance Transfer Credit Rating
N/A 15.49%-19.49% Variable $95 See Terms Excellent Credit