Quick Points: Earning points, miles and cash back on in-store purchases
You've likely seen us talk about all of the ways to "double dip" — or even "triple dip" — when making online purchases. You can earn the points from your credit card, a shopping portal and an app. These combinations are a great way to rack up points and miles.
But what if you're shopping in person? Can you still earn extra points and miles when you aren't in front of a computer, using a shopping portal? Luckily, the answer is "yes."
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United MileagePlus X app
As the name suggests, you can earn United Airlines miles with the MileagePlus X app.
Prior to making an in-store purchase, you can purchase a gift card for that merchant via the app. This applies even if you don't pay with a United credit card — as long as the card is listed as a payment method inside your MileagePlus X app. But if you have a United cobranded credit card, you'll earn 25% more miles on top of the standard earnings. You'll earn this bonus even if you pay with a different credit card.
As gift card transactions process quickly, I normally walk up to the cash register and type in the exact charge, to the penny, in the app. Thus, you can earn a bonus multiplier from the app (up to 8 miles per dollar) and then use the best credit card for that spending category to earn extra points this way.
In the screenshot above, you could earn 5 United miles per dollar on purchases at Domino's. If you pay with the Chase Sapphire Reserve, you'll earn an additional 3 Ultimate Rewards points per dollar. And remember that at most merchants, you can pay the exact amount you need for your purchase, rather than buying set amounts with traditional gift cards.
Related: Here’s why it matters which card you use to pay in the United MPX app
Use shopping portals with in-store purchases
While they're usually called "online shopping portals," some of these portals work with in-store purchases. If the portal doesn't specifically say it works with in-person shopping, your luck can be hit or miss. However, some of these portals specifically highlight the ability to shop in person and still earn bonus points and miles — including new-user bonuses.
Two portals that regularly offer bonuses and allow you to achieve them with in-store shopping are the Alaska Airlines Mileage Plan shopping portal and United MileagePlus Shopping.
You may also earn on purchases you pick up in-store. Read the terms and conditions of each merchant to ensure this applies.
Related: Earn more miles with new shopping portal bonuses from these airlines
Earn miles and Loyalty Points with SimplyMiles
Similar to the above options, SimplyMiles offers bonus miles on purchases after adding offers to your account. These can be used online and in person. However, you must use a Mastercard to participate in these offers. As long as you pay with the card linked to the offer in your account, you will qualify for the bonus earnings.
All offers come in the form of bonus American Airlines AAdvantage miles. On top of the bonus miles, you can also earn bonus Loyalty Points, which is great news for anyone chasing AAdvantage elite status.
Related: Chasing American Airlines elite status? Here are 14 ways to earn Loyalty Points
Earn cash back with Dosh
Dosh takes a different approach from the options mentioned above. Rather than earning bonus points or miles, you will earn cash back. Once you accrue at least $25 in earnings, you can cash out via PayPal or Venmo.
In order to earn cash back with Dosh, link a credit card to the app and then use that card to pay at participating merchants. Transactions will track automatically and issue any rewards for which you qualify. Our tests have shown that you can earn Dosh dollars on top of rewards through other programs, meaning you can stack these offers with things like dining programs.
Related: Can I earn points and miles from 2 dining rewards programs at the same time?
Earn gift cards or crypto with Drop
Drop is another app in which you can link your credit cards and qualify for earnings automatically at participating merchants. Unlike Dosh, however, you cannot cash out your earnings into your bank account. Drop rewards are worth 0.1 cents apiece and can be cashed out for gift cards to popular merchants like Amazon, Starbucks and Uber, or can be cashed out for crypto.
Related: Interested in earning crypto on your credit cards? Here’s what you need to know
Bottom line
Whenever possible, you should avoid earning just 1 point per dollar on your purchases. By using shopping portals, our guide to the best credit card to use in each spending category and the apps available for in-store purchases, you can stack rewards on each dollar that you spend. Luckily, a few minutes of pre-shopping research is all you need to use select online portals with in-store purchases.
With phone apps, it's even easier. Just find the merchant you're currently shopping with and see if it participates in any of the programs you use. If you pay with a card linked to your account, apps like Dosh and Drop will track qualifying purchases automatically. With the MileagePlus X app, you'll need to purchase a gift card for the merchant and pay with that. Luckily, the gift card will show as a barcode on your phone, which the cashier should be able to scan easily.
An extra minute of work while you're waiting in line can lead to thousands of extra points each year.
Top offers from our partners
How we chose these cards
TPG featured card
Rewards
| 6X | 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
| 4X | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
| 2X | 2x points on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.Pros
- 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
- 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
- 2 points per dollar on all other eligible purchases
- Earn a free-night award each card renewal month (up to 35,000 points)
- Receive 15 elite night credits to jump-start status
- Transfer Marriott points to 40+ airlines
Cons
- Airline points transfer ratios are poor
- Must spend $60,000 in a year for second free-night award
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Rewards Rate
| 6X | 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. |
| 4X | 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. |
| 2X | 2x points on all other eligible purchases. |
Intro Offer
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.Earn 125,000 points75,000 pointsAnnual Fee
$125Recommended Credit
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.670-850Excellent/Good
Why We Chose It
The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.Pros
- 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program
- 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
- 2 points per dollar on all other eligible purchases
- Earn a free-night award each card renewal month (up to 35,000 points)
- Receive 15 elite night credits to jump-start status
- Transfer Marriott points to 40+ airlines
Cons
- Airline points transfer ratios are poor
- Must spend $60,000 in a year for second free-night award
- Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 5/3/23.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.