The Art of Double and Triple Dipping

Most stores do not allow the use of multiple coupons for the same item (an exception is Harris Teeter – I have never shopped there, but apparently the grocery chain allows up to 20 double coupons, and, on some days, triple coupons), but there are other ways to get more than just the coupon discount.  If you have a credit card that gives you cash back, for example, you can easily double dip by using a coupon and getting some cash back by charging on your card.  Or even better, you can redeem your accumulated cash back for a gift card (a better rate for cash) and use a coupon when paying with that gift card – gift cards are not coupons and are thus perfectly compatible with them.

Triple dipping might require a little more effort, but is certainly worth the benefits.  Here are two examples of how I’ve gotten three times the bang for my buck:

Coupon + Cash Back + Miles: I subscribe to J.Crew emails, and a while back I got a coupon code for 20% off one item (Incidentally, there’s a sale going on at jcrew.com right now, and the coupon code EXTRA20 will give you an extra 20% off sale items until this Saturday, July 10th), which I chose to use on an item that I had been meaning to buy.  I made sure to use my Discover card on that purchase, since it was giving me a 5% cash back bonus for purchases at clothing stores during that quarter.  Finally, I also checked my frequent flier options.  Instead of visiting  jcrew.com directly, I accessed it and placed my order through the AAdvantage eShopping program, which gave me 3 American Airlines miles per dollar I spent on that purchase (minus taxes)!

The triple dipping results: An item on sale for $100, bought for $80, giving me another $4 in cash back and 240 miles.

Store Card + Miles + Upromise cash: Two weeks ago I bought a $260 netbook for my mother at Best Buy.  I already had the Best Buy Reward Zone card, which gives $5 in store credit for every $250 spent (a 2% rate), but I made my purchase through Upromise rather than by going directly to bestbuy.com, earning another 2% plus a $10 incentive (Upromise sends emails with extra offers if you don’t use it for a while).  And of course, I used my Citi/American Airlines card so I would get miles as well (a better deal than Discover when outside the bonus period).

The triple dipping results: A $260 purchase, for which I got $5 in store credit at Best Buy and $15 on Upromise as well as 260 miles.

Admittedly, the extras I got for triple dipping were relatively small compared to the price of the purchases, but they made it a much better deal than spending $100 at J.Crew or $260 at Best Buy and not getting any breaks for that.  And all I needed was a little creativity to consider my options among the available offers.

Have you had a great double/ triple (/quadruple?) dipping experience? Please share it in the comments section!

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