How to Stack Dining Rewards for Double (or Triple) Points
If you’re not stacking your dining rewards yet, you’re leaving points on the table — literally. Eating out is one of the easiest ways to earn extra points, and with the right setup, you can earn 2–3 layers of rewards on the same meal. It’s a super easy way to earn extra points. My oldest son Finn, loves to eat out so he is earning me all kind of extra points without even realizing it.
Here’s exactly how to do it.
⭐ Step 1: Join a Dining Rewards Program
Every major airline and hotel has a dining program:
AAdvantage Dining
Delta SkyMiles Dining
United MileagePlus Dining
Southwest Rapid Rewards Dining
Alaska Mileage Plan Dining
Hilton Honors Dining
Pick the one that matches your travel goals. Link your credit card once, and you’ll earn points automatically when you dine at participating restaurants. Yep it’s super easy!
⭐ Step 2: Use a Credit Card With a Dining Multiplier
This is where the stacking starts.
Use a card that earns extra points on dining, like:
Amex Gold (4x dining)
Chase Sapphire Preferred/Reserve (3x dining)
Citi Strata Premier (3x dining)
Capital One Savor/SavorOne (3–4% cash back)
Now you’re earning:
Dining program points
Credit card points …on the same meal.
Finn is currently using a Chase Freedom Unlimited card with 3X dining. When he used his card to eat at Atomic Wings he not only earn points on our credit cards. I also get more points from the dining reward program. I am constantly getting emails like this:
⭐ Step 3: Check Shopping Portals (Yes, Some Restaurants Are There!)
This is the part most beginners don’t know.
Some restaurants appear on:
Rakuten
Capital One Shopping
Ibotta
Even airline portals occasionally
If you see a restaurant listed, activate the offer before you dine or order online.
Now you’re earning:
Dining program points
Credit card points
Portal cash back or points
Triple stack.
⭐ Step 4: Add Amex Offers or Chase Offers
Before you pay, check your card’s targeted offers.
You might see:
“Spend $50, get $10 back”
“Earn 10% back at [restaurant]”
“Earn extra Membership Rewards points”
Activate the offer, pay with that card, and boom — another layer of rewards.
Learn more about Credit Card Offers - Chase Offers
⭐ Step 5: Bonus Tips for Maximum Earnings
Don’t link the same card to multiple dining programs (it only earns on one).
Use a different card for each program if you want to spread out earnings.
Check your dining program for new‑member bonuses — they’re easy wins.
Always keep your receipts in case points don’t track.
⭐ Final Thoughts
Dining rewards are one of the easiest ways to earn extra points without changing your budget. Once you set everything up, the points roll in automatically — and stacking them turns every meal into a mini‑redemption.
