Smart businesses know that spending wisely is just as important as earning. Gift card stacking is one of the most overlooked yet effective strategies for reducing everyday office expenses. When done right, it allows you to save on top of sales, rewards programs, and cashback offers—turning routine purchases into long-term savings.

In this guide, you’ll learn how to stack digital gift cards with apps like Fluz, Rakuten, and Ibotta, how to combine them with loyalty programs, and which merchants offer the most value.

What Is Gift Card Stacking?

Gift card stacking is the process of using discounted or cashback-eligible gift cards in combination with store sales, coupons, and rewards programs. This approach helps maximize your savings by taking advantage of multiple incentives at once.

Here’s a basic breakdown:

1. Purchase a gift card at a discount or with cashback (e.g., via Fluz)

2. Apply store promotions or coupons during checkout

3. Earn points or rewards from the store’s loyalty program

4. Get additional cashback from an app like Rakuten or Ibotta if available

Start with Cashback Gift Cards from Fluz

Fluz is one of the easiest platforms for earning cashback on gift card purchases. You buy a gift card at face value and instantly receive cashback into your Fluz wallet. These gift cards are digital, delivered instantly, and can be used online or in-store.

For example, you can:

• Earn cashback at Staples by buying a gift card via Staples on Fluz

• Save money at Office Depot & OfficeMax with a gift card from Office Depot on Fluz

• Get a discount at Target by using a gift card from Target on Fluz

To get started, download Fluz here: https://fluz.app/referred-by/INFO91089321

Layer on Cashback from Rakuten and Ibotta

Rakuten and Ibotta offer cashback on select online purchases when you start your shopping journey through their portals. Here’s how you can stack this:

• Buy a gift card from Fluz

• Go to Rakuten (https://www.rakuten.com/) or Ibotta (https://home.ibotta.com/) and activate a cashback offer for the same store

• Use the Fluz gift card to pay during checkout

Example: If you’re buying supplies at Office Depot, activate a Rakuten deal for Office Depot, use a Fluz-purchased gift card, and collect cashback from both platforms.

Combine Loyalty Programs and Coupons

Most major retailers allow you to earn loyalty points or rewards when you use a gift card to pay—treating it the same as cash. So if you have a rewards membership at stores like:

• Staples Rewards

• Target Circle

• Office Depot Rewards

…you’ll still earn points on purchases made with Fluz gift cards.

Stack even further by using:

• In-store coupons

• Weekly ad deals

• Limited-time promotions

Top Merchants for Gift Card Stacking

Here are three merchants that offer high stacking potential:

• Staples: Weekly deals, a strong rewards program, and frequent Rakuten offers

• Office Depot & OfficeMax: Compatible with Fluz, loyalty rewards, and periodic cashback from Rakuten

• Target: Regular store promotions, a broad inventory, and both Target Circle and Fluz compatibility

Each of these stores also sells everything from tech and office furniture to cleaning supplies, making them great options for consolidating your purchases.

Final Thoughts

Gift card stacking isn’t just a savings trick—it’s a long-term strategy that can help your small business reduce costs without sacrificing quality. By combining Fluz cashback, shopping portals like Rakuten and Ibotta, and loyalty programs from top retailers, you create multiple layers of savings on every transaction.

Take a few extra minutes before your next supply order to plan your stack. The savings will be worth it.