Posted by Chuck on September 15, 2016
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Published on September 15th, 2016 | by Chuck

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Complete List of Card-Linked Reward Programs

Many rewards programs allow us to link a credit or debit card and use the card at select retailers to get extra points, miles, or cash back. Dining programs are a known example. By linking a credit card to a given dining program, the user racks up rewards with each purchase.

In this post, we’ll round up the many different card-linked rewards programs. Further, we’ll try to clarify which of these programs conflict other programs, forcing us to choose one, and which programs can ‘stack,’ allowing us to reap rewards from two or more programs concurrently.

Of course, dozens of stores that have their own rewards programs, like the Starbucks stars reward program, Dunkin Donuts Perks program, Best Buy rewards program, and hundreds more. This post will focus on card-linked multi-store rewards programs where you input a credit or debit card and get rewards based on card usage at various stores.

Rewards Network (Dining)

Rewards Network is the biggest card-linked rewards program. They work specifically with restaurants, eateries, and other food providers. Rewards Network runs most of the big dining programs that you’ll hear about.

Eligible cards include Visa, Mastercard, Amex, and Discover credit or debit card.

Since all these dining programs are run by the same provider, you can only have a given card linked to one program. Linking a card to a second program automatically unlinks it from the first one.

Note, these programs often come with a signup bonus, e.g. earn 2,500 miles for signing up and making a $25 purchase at a partner restaurant within 30 days, so check around before signing up (examples).

Here are Rewards Network partners:

Airline Partners

  • United MileagePlus Dining – earns 3 miles per dollar; 5 miles per dollar after 12 transactions (.5 miles per dollar without opting in for emails)
  • Alaska Mileage Plan Dining – earns 3 miles per dollar; 5 miles per dollar after 12 transactions (.5 miles per dollar without opting in for emails)
  • Delta Skymiles Dining – earns 3 miles per dollar; 5 miles per dollar after 12 transactions (.5 miles per dollar without opting in for emails)
  • Free Spirit Dining – earns 3 miles per dollar; 5 miles per dollar after 12 transactions (.5 miles per dollar without opting in for emails)
  • American AAdvantage – earns 3 miles per dollar; 5 miles per dollar after 12 transactions (1 mile per dollar without opting in for emails)
  • Southwest RapidRewards Dining – active members earn 3 points per dollar; also 300 points bonus after each 1,000 points earned; requires opting in with email; Southwest Dining points do count toward Companion Pass
  • JetBlue True Blue Dining – 1 point per dollar; Mosiac members earn 2 points per dollar

Hotel Partners

  • IHG Rewards Club Dining – earns 5 points per dollar; 8 points per dollar after 12 transactions (1 point per dollar without opting in for emails)
  • Hilton HHonors Dining – earns 5 points per dollar; 8 points per dollar after 12 transactions (2 points per dollar without opting in for emails)

Cash Back Partners

  • iDine – 5% back after opting in for email, 10% after spending $750 in the year; payments are made in the form of an Amex gift card (updated 4/6/17)
  • Upromise Dining – 2.5% cash back in your Upromise account
  • eScrip Dining – 2.5% back in contributions

Other Partners

Drop App (many top retailers)

The Drop app allows you to earns up to 2% back on purchases from top retailers by linking your credit and debit cards including Amazon, Walmart, Target, Whole Foods, Trader Joe’s, Safeway, Uber, Lyft, Starbucks, Dunkin Donuts, and many more. Full list here.

Works with Visa, Mastercard, Amex, and Discover credit and debit cards.

I don’t know if they share the same back-end as some of the other card-link programs.

Groupon+ (Dining)

Groupon also has a card link program which seems to be for dining/eateries only called Groupon+ (formerly Groupon dining). Visa & Mastercard only. Note, with Groupon cash back you do have to register first for each restaurant before using it. Then you’ll have 30 days to use.

It’s confirmed that Groupon in-store cashback stacks with the Reward Network program. Groupon in-store cashback also stacks with Empyr.

RCLON (Ebates, United, Alaska)

Visa and Amex only.

Oddly, my experience has been that it works to add the same card to both Ebates and United, for now I assume rewards will post for both.

Ebates

Ebates offers in-store cash back at various merchants, not limited to restaurants. See current offers here. Link a card, then add a specific offer to the card. Re-add the offer after using it before using again.

United MileagePlus

United offers in-store mileage earning at various merchants. See current offers here. It works the same as the Ebates program where you save each offer separately.

Oddly, my experience has been that it works to add the same card to both Ebates and United, for now I assume rewards will post for both.

Alaska Mileage Plan

Alaska offers in-store mileage earning at various merchants as well. See current offers here. It works the same as the Ebates program where you save each offer separately.

HawaiianMiles Marketplace

HawaiianMiles Marketplace allows earning Hawaiian miles with purchases at select stores by linking a card. Currently available stores include Lowe’s, Whole Foods, and Gap brands. Simply enroll the card once and earn miles when shopping at participating retailers.

Hawaiian is likely part of another network (perhaps RCLON), but I’m not sure which.

Empyr (MOGL, Swagbucks, Yelp, Dosh, Spent, Coupons.com)

Mogl, Swagbucks, Yelp, Dosh, Spent, and coupons.com have dining programs which run in select geographic areas. Dosh and coupons.com offer cash back at various non-food retailers too.

These programs all use the same back-end run my Empyr. This means you can only link to one of these programs.

They’ve recently added a disclaimer that rewards can not be earned if the card is on one of the Rewards Network providers program. Unclear why that would be, in any case, Empyr no longer stacks with Rewards Network.

Mogl Dining

Mogl Dining offers 10% – 30% cash back at eligible restaurants.

Swagbucks Dining

Swagbucks has a dining program which earns 10% – 30% back in the form of Swagbucks (each swagbuck is worth a minimum of $.01 via Paypal redemption). Most merchants earn 10%.

See current options and rates in the Swagbucks Local app.

Visa and Amex only.

Yelp

Yelp also has a dining program which runs on the same back-end as Mogl and Swagbucks.

Dosh

The Dosh app offers cash back at restaurants using a linked card and perhaps other retailers too. Visa, Mastercard and Amex.

Spent

The Spent app (our review) also offers cash back at restaurants using a linked card. It, too, runs on the Empyr platform.

Coupons.com

Coupons.com also has a card-link program for Visa, MC, and Amex. (Our Review) Limited list of eligible restaurants and a few other options.

Upromise

Upromise offers in-store cash back at various merchants, not specifically restaurants. See current offers here. The best offers are for Upromise cardholders only, but there are lots of offers in select areas for use with any card.

All in-store offers seem to be Visa and Mastercard only.

As noted above, Upromise also has a dining program as part of the Rewards Network. I assume these are two separate systems used by Upromise: the Rewards Network for dining, and some other network for other in-store offers.

Visa Trial Pay (Uber, Trim)

Visa bought Trial Pay to be able to offer deals at specific retailers. There are some card link programs that run through Visa Trial Pay.

Uber Offers

Uber Offers, now called Visa Local Offers, gets you 10% back at select merchants in the form of Uber credit for making purchases at local stores. Many of the rewards options are restaurants, but there are other options as well.

Opt in for Uber Offers within the Settings of your Uber app and link a card, that makes you eligible for all their offers. Visa credit or debit only. For debit, make sure to sign as credit.

Uber Offers is powered through TrialPay, and part of the Visa Commerce Network. Uber offers can stack with a Rewards Network dining program for a double dip (Reddit).

Trim Savings

Trim Savings  offers some specific deals on Visa credit cards (here’s a sample deal).

Expense Rewards

Expense Rewards is an app which allows you to earn money by linking your bank/cards (Our Review). Earn 5 cents for each transaction, redeemed in the form of gift cards. The program supports most major banks and credit cards. Should stack with other card-link programs.

Spring Rewards

Spring Rewards is a card-link rewards program for dining and some other locations. (Our Review) They also power PreIt perks that offers rewards at some malls. Only available in select areas.

This program does not use the same network as Rewards Network so you can double dip there. Might be the same backend as some of the others, though.

Thanks Again (Airports)

Thanks Again offers rewards to shop, dine, and park at over 100 airport locations.  You earn 1 point per dollar, and rewards can be redeemed for various redemptions through their system.

Visa, Mastercard, and Amex.

Shell Fuel Rewards

Shell’s Fuel Rewards program offers the ability to earn discounts on gas by spending with a linked card at various non-food retailers as well. (This is besides the restaurant offerings by Shell Fuel Rewards which are run as part of Rewards Network, mentioned above.)

At the time of this writing, they’re offering 5¢ discount per gallon for each $50 spent at Clarks or Score Big.

Visa, Mastercard, Discover, and Amex. Max 5 cards from each network can be connected.

Shopyourway

Aside from the Shopyourway dining program, mentioned above (which is part of the Rewards Network), Shopyourway also has a few merchants which earn bonus points by linking a card.

Current partners include 1800flowers, FTD, and a few others.

Visa and Mastercard only.

Shopkick

Shopkick is a rewards site with various opportunities to earn rewards which can be redeemed for gift cards. One way to earn kicks is by linking a Visa or Mastercard and shopping at partner retailers.

List of partners here.

RelatedShopKick Review – Is It Worth Signing Up For?

Acorns

Acorns is an investment app where you link your credit cards and bank accounts, and the system automatically invests for you. They have a Found Money feature which gives you cash back toward investments at select retailers. (HT: PFD)

At the time of this writing, Jet.com, Dollar Shave, and HotelTonight are a few available options.

Business Card Programs

Visa, MasterCard, and Amex all have special programs for their business credit cards which offers discounts at select merchants frequented by business customers.

  • Visa Savings Edge – Visa is partnered with various hotels, car rentals, gas, restaurants, and more to give you a discount of between 1% – 12% via a statement credit. Our review here.
  • Mastercard Easy Savings –  Mastercard is partnered with various hotels, and other retailers to give you a discount of between 1% – 25% via a statement credit. Our review here.
  • Amex OPEN – Amex offers 5% cash back as a statement credit or two extra Membership Rewards points per dollar at partner retailers. Current partners are FedEx, HP, Hertz, and 1800flowers. Our review here.

Bank Programs

There are many bank rewards programs tied to the card. First, of course, being ordinary points program that so many rewards credit cards have, like Citi’s ThankYou program, Chase’s Ultimate Rewards, and Amex’s Membership Rewards.

Aside from points programs, there are many store-specific offers which give you bonuses at particular stores. The most prominent example of this would be Amex Offers which offers a statement credit (or bonus points) for spending at particular merchants. Bank of America also has their Bank Amerideals program with some good offers.

Likewise, some smaller banks and card issuers send out offers to cardholders for select merchants, e.g. get 10% back at Starbucks for the next month.

With regards to these offers, the bank has access to your account activity, and they can easily issue a credit for a given amount.

Bank offers won’t usually conflict with other rewards programs outlined in this post. For example, if there’s an Amex Offer to get $5 off $25 at a restaurant which also participates in one of the dining programs, you’ll get both the $5 statement credit and the dining points for the purchase. Any credit card rewards and bonus categories will stack on top of that.

Stacking these Programs

A big question always is: which of these programs stack? Can I add my card to all of these and earn multiple rewards per shopping trip?

  • As clarified in this post, many of the popular dining programs run through the Rewards Network, and these programs are mutually exclusive.
  • MOGL, Swagbucks, Yelp, Dosh, Spent, and Coupons.com all run on a single platform called Empyr, but they don’t stack with Rewards Network programs for some reason.
  • Ebates and HawaiinMiles both use MyLinkables.
  • Uber and Trim both run on Visa Trial Pay.

You should be able to find overlapping opportunities to get double or triple rewards with a single restaurant visit. For example, it might be possible to get card-link rewards from Rewards Network, Ebates, Thanks Again, and Uber Offers all from a single charge at a restaurant. That could be quite lucrative! More likely, you won’t be able to find a single restaurant that participates in all those programs, but in theory that should be possible.

Note, it might be that some of the other programs overlap as well as we haven’t been able to clarify the back-end power to each of these programs. Please let us know if the comments your thoughts and experiences with stacking these programs.

In all cases, Bank Programs and Business Card Programs wills stack with any of these other rewards programs.

Wrap Up

Using card-link programs is another way to boost your points balances or to get cash back on your purchases.

Not all programs work the same with regards to enrollment. Some of these (Ebates, Uber, etc.) need you to opt in for each specific offer, and even opt back in for a second use. Yet others (Dining Network programs, etc.) require that you simply enroll your card and automatically get rewarded. These offers are much better set-and-forget: just enroll your go-to credit card (e.g. Sapphire card for bonus restaurant points), and you’ll get points rolling in whenever you spent money at a qualifying restaurant without even thinking.

Also note the difference in card acceptance: some programs work on all four major card networks while others work on select networks. And always look out for signup or referral bonuses before signing up.

I’ve listed all the card-linked programs that come to mind. Without a doubt, there are more programs I’m not aware of or  that slipped my mind. Please fill in what’s missing in the comments.

 

RelatedMaster List Of Gas Station Rewards Programs



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Excellent job Chuck. Well put together article. This must have taken tens of hours of research.

Just a quick note, the best way to say thanks is by sharing articles like these! I know Chuck put a heap of time into this article, so if you can share/like it/link it then it really helps our site (and also means Chuck gets more $$$).

Great list. Thanks for putting this together.

Awesome, thanks doc.

“All these types of offers are run by the bank themselves” – not true, they are usually outsourced to First Data and other companies. Many banks and credit unions show similar or identical “offers”. Doesn’t really matter though.

What matters is that Ebates in-store cash back offers are powered by the very same Rewards Network, meaning that registration is mutually exclusive with other programs. You also left out MyLinkables. That’s also by Rewards Network.

Your comment about Ebates In-Store offers using Rewards Network is incorrect. Rewards Network is only used for Dining Rewards.

Ebates In-Store offers use Linkable Networks to manage the service. https://linkablenetworks.com/

You absolutely can link cards to a Rewards Network offering and also link them to Ebates (Linkable Networks).

@Peter, thank you for correcting me!
@Chuck, feel free to edit or remove incorrect info.

I noticed an interesting program while looking for a way to keep Hawaiian Miles alive – register Visa and Amex cards and earn Hawaiian Miles with in-store purchases at Gap, Lowes and Whole Foods.

partners.hawaiianairlines.com/CLORegistration.aspx

Tried it last week at Lowes but no miles have shown up yet. Terms say it takes 4-6 weeks for miles to post.

I linked my Amex blue cash preferred and tested at whole foods on sunday, Hawaiin Miles posted today. Thanks!

You might want to add the Visa SavingsEdge and Mastercard Easy Savings programs for business cards as well.

Weird, I left a comment an hour ago about Ebates in-store offers being offered by Rewards Network (and therefore it is not possible to enroll the same card in multiple programs) and mentioned MyLinkables as one more Rewards Network partner, but my post was removed.

Is Fuel Perks also by Rewards Network?

Amex OPEN (for business cards) is one more program which is stackable with Amex Offers and some other reward programs which allow Amex cards.

Never mind, I see it posted now

Post wasn’t removed, comments need manual approval if you haven’t commented before or if your comment contains links.

What about Shopkick?

I was just looking for info like this the other day. I just wish the restaurants on rewards network were places I go regularly.

It should be noted that Spring Rewards is only really viable in Chicago. Plus it’s a build to reward program, so you won’t get rewards every dine.

Spring Rewards also powers PreitPerks.

PreitPerks gives $10 back for every $250 spent at stores in Preit Malls.

Max tracking of $1,000 in spend per transaction. Not sure if the program is at all Preit Malls or just a few.

Awesome post.

Uber’s offers are through Visa’s TrialPay
https://techcrunch.com/2016/05/03/uber-offers/

People who are skeptical about adding all of their 20+ credit cards to these programs for security reasons, I guess it would probably be a good idea to just add one or two good Restaurant spend cards and monitor the statements of just those cards.

TrialPay is basically broken. Skip.

Worth noting that BBVA Citi and BotA all use the (crappy) outside vendor for their “offers for you”

Theoretically a BBVA Amex could double dip I guess

great work. this crap takes a lot of time. I did this for my own reference awhile back so I can only imagine the hrs it took

anyway, everything is stackable. you can go way over quad attack stack with these programs. the issue is the vendor list. many places suck and dont overlap. you will probably only utilize it a few times. we are not talking about popular lunch places.

Also, Ebates w/ Rewards Network? No man. thats wrong. Its MyLinkables. Co-registration upon CC link. T&C should make it more clear but it doesnt. If you linked CC then you already have a MyLinkables account. Go look. Use same Email. Reset password.

There are many other fine details too. Just gotta do your research. Groupon has CC link as well using various beta tests. Thanks Again also uses Mogl and their own. They are refreshing their crap now. TBD. And for Rewards Network, you gotta get elite status to max out the points. When you stack all the promos, its ridiculous points.

Upromise’s greatest draw for me was its online shopping portal. Participating online vendors offer anywhere from 1% to 9% cash back (most vendors offer 5%), and if you pay with your Upromise MasterCard (administered by Barclay), Barclay also gives you 5%. But my online shopping through Upromise hasn’t tracked at all for most transactions (IHG hotel booking and Drugstore.com being the only two that credited my transactions correctly), and therefore Barclay only gives 1% instead of 5% cash back. I haven’t had any in-store shopping experience within the Upromise network, so I don’t know if it tracks spending better than the online portal.

Microsoft Earn is gone, no new cashback now, balance likes to be valid until next March. And swagbuck stacks with RN very well 🙂

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