When it comes to saving money on dining, using a coupon is just the beginning. The real magic happens when you combine multiple types of discounts—especially when you pair traditional restaurant coupons with digital deals and rewards apps. This strategy, known as “stacking,” allows you to enjoy your favorite meals at a fraction of the cost.

Here’s how to stack offers like a pro and make every bite count.

Start with restaurant coupons

Before you head out or place an order, check for current restaurant coupons. These can often be found on:

• The restaurant’s own website or app
  
• Coupon aggregators like RetailMeNot or CouponCabin
• Local deal sites such as Groupon
• Email newsletters or loyalty program emails
  

Many restaurants release limited-time codes for online orders, discounts for new app users, or printable coupons you can present in-store.

Add in a rewards or loyalty program

Major chains like Chili’s, Starbucks, and Panera Bread offer loyalty programs that provide ongoing benefits like free items, birthday rewards, or members-only discounts. These programs are free to join and allow you to earn perks with each visit—even when paying with a discount.

Stack with a digital payment deal

This is where digital savings apps come in. Platforms like Rakuten, Ibotta, and Fluz let you earn cashback or rewards when you make purchases through their platforms. Fluz, for example, enables you to buy a Panera Bread gift card online just before checkout, apply it immediately, and earn cashback on the spot. If you’re using a coupon and scanning your loyalty account too, you’re stacking three layers of savings.

Use a cashback or points-earning credit card

To top it off, use a credit card that gives rewards for dining. Many cards offer 2%–4% cashback on restaurants or rotate dining as a bonus category. Just make sure your card still gives rewards when using gift cards or third-party payments.

Real-world example of stacking

Imagine this:

• You find a 10% off coupon code for Chili’s via RetailMeNot
  
• You’re a member of My Chili’s Rewards and earn points on your meal
  
• You pay using a discounted digital gift card purchased through Fluz
  
• You use a credit card offering 3% cashback on dining
  

You’ve just stacked four savings tools on a single meal—without compromising the dining experience.

Final stacking tips

• Always check gift card terms—some promos may not allow combining with other offers
  
• Bookmark coupon and deal sites for easy access before dining out
  
• Keep receipts to submit to apps like Ibotta if required
  
• Check for limited-time “boosts” or special cashback rates in your rewards app
  

With just a few clicks and a little planning, stacking can turn any restaurant visit into a money-saving opportunity. The key is knowing where to look—and combining your tools wisely.