When it comes to saving money on bills like internet, electricity, or streaming subscriptions, most people think their only option is to cut usage or switch providers. But there’s a smarter strategy that requires no sacrifice at all: reward stacking. This cost-saving method involves combining multiple reward systems—such as cashback apps, digital gift cards, and credit card perks—to maximize every dollar you spend.

Here’s how to stack rewards effectively and start seeing savings on your recurring utilities.

What Is Reward Stacking?

Reward stacking means using more than one cashback or rewards program on a single transaction. Instead of relying on just your credit card rewards or a single app, you layer them together. This method is most effective for recurring bills—like your internet service—because you can repeat the savings month after month.

A simple example:

• Buy a gift card through a rewards app like Fluz and earn instant cashback.
  
• Pay with a cashback credit card and earn additional card rewards.
  
• Redeem provider loyalty points (if available) for discounts or future credits.
  

Each layer works together to reduce your net cost without changing your spending habits.

How to Stack Rewards on Your Internet Bill

Let’s say your monthly internet bill is $70. Here’s how you can stack rewards on that one expense:

1. Buy a digital gift card through Fluz for your provider
   If your provider is supported—such as Verizon, AT&T, or T-Mobile—you can earn cashback with a Verizon gift card, get rewards with an AT&T gift card, or save money with a T-Mobile gift card.
   
2. Use a rewards credit card to fund your gift card purchase
   Some credit cards offer elevated rewards on utility or digital wallet purchases. If your card earns 2% cashback, you stack it on top of the Fluz reward.
   
3. Pay your provider using the gift card
   Once your gift card is generated, log in to your provider’s website or app to pay your bill. Most allow direct gift card redemption with no extra fees.
   
4. Track and repeat
   Once you’ve completed a full cycle, track how much you earned. Repeating this strategy each billing cycle helps compound your monthly savings.
   

Additional Tools to Consider

You can take this further by incorporating shopping and rebate apps. While Rakuten and Ibotta don’t currently support utility bill payments directly, they frequently offer cashback on related purchases—like modems, routers, or tech accessories at retailers such as Best Buy and Walmart.

Also, check if your provider offers referral bonuses or loyalty discounts. Many internet companies offer $10–$20 in credits for referrals or long-term customers.

When Does Reward Stacking Work Best?

Reward stacking is ideal when:

• Your internet provider allows gift card payments
  
• You already use a cashback or points-earning credit card
  
• You’re looking to optimize fixed monthly costs without switching providers
  

This method also works well for other monthly bills like phone, streaming services, and sometimes utilities (depending on gift card availability).

Final Thoughts

You don’t need to slash your internet usage or fight for promo pricing just to lower your bill. With reward stacking, you’re leveraging tools already available to you. By combining cashback gift cards, credit card points, and any loyalty rewards, you’ll earn money back on the payments you’re already making.