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Reader Questions are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg.

The fastest way to pad your points and miles balance is by picking up a welcome bonus on a new travel rewards credit card, but you should also look for other ways to diversify your earning strategy as well. TPG reader Anthony wants to know if he can “double-dip” and earn points from an airline dining portal in addition to his credit card bonus categories …

I just signed up for the American Airlines AAdvantage dining program and linked my Chase Sapphire Reserve. Will I get the triple points from Chase in addition to the AA miles I’m earning?

TPG READER ANTHONY

For those who aren’t familiar, most major airlines in the US (including Alaska, American, Delta, JetBlue, Southwest and United) offer a dining rewards program that lets you earn bonus points or miles when you dine out at participating restaurants. All are run by the same company — Rewards Network — and thus feature very similar terms. Generally speaking, you can get a new member bonus of anywhere from 1,000 to 3,000 miles after making your first eligible purchase in 30 days. You’ll also earn points or miles on every dine at a participating location, though the exact rate varies based on how frequently you dine and whether you’ve opted into receiving emails from the program.

All you need to do to earn these bonuses is register and link your preferred credit card (ideally one that earns a bonus on dining purchases). Then, when that card is used at a Rewards Network establishment, the points or miles will automatically post to your account, and this is in addition to whatever earnings you’d enjoy on your credit card.

So yes, Anthony will absolutely earn bonus airline miles in addition to the 3x dining category bonus on his Chase Sapphire Reserve. The same would be true if he opted to use an American Express® Gold Card for the 4x Membership Rewards points it offers on dining. While you can only have each one of your cards linked with a single airline’s dining program, “Double dipping” like this is a great way to speed up your earning rate.

Double Dipping, Triple Dipping and More

In many ways, what’s going on here is similar to what happens when you purchase a flight or hotel with the right rewards card. I’m able to earn a whopping 23.5x Marriott Bonvoy points per dollar spent at Marriott hotels (equivalent to an 18.8% return based on TPG’s valuations) by stacking the 17.5x points I earn as a Bonvoy Titanium Elite with the 6x points I earn from using my Bonvoy credit cards. The same thing holds true when I buy tickets with American Airlines — I can stack the 5x Membership Rewards points I earn by using The Platinum Card® from American Express with the 7x American miles I earn as an AAdvantage Gold member. This brings my combined return to 19.8% based on TPG’s valuations, a great deal no matter how you slice it.

However, this can get even more lucrative. You can leverage online shopping portals like Ebates with an issuer’s program (like Amex Offers) to get bonus points and additional cash-back on the purchases you’re already planning to make. And if you find an Amex Offer for an airline, hotel or restaurant, you may even be able to quadruple-dip.

For example, there’s been an Amex offer floating around for $40 back when spending $200 at select US Marriott properties, so let’s use that as an example:

  • $40 back using the Amex Offer
  • 2% back (or more) by using the right shopping portal
  • 6x Marriott points for paying for the hotel with a Bonvoy credit card
  • 10x-17.5x points per dollar on the hotel stay, depending on your Marriott elite status

You can see how this might also work for Amex offers targeting airlines or restaurants that participate in a dining rewards program.

Bottom Line

Stacking a dining rewards program with a credit card bonus category is a great way for you to enhance your earning, but if you keep your eyes out, you might be able to triple- or even quadruple-dip to earn more points or miles. There’s no catch to this at all. Simply sign-up for the dining program of your choice, link your preferred credit card and watch your loyalty program balance start to climb.

Thanks for the question, Anthony, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Featured photo by Stella Kalinina / Getty Images.

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2018 TPG Award Winner: Mid-Tier Card of the Year
Chase Sapphire Preferred® Card

NEW INCREASED OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
Intro APR on Purchases
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.