Organic Spend Multipliers

Use these tools to multiply your points

1/28/20251 min read

gray concrete stairs inside building
gray concrete stairs inside building

Increasing Points Earnings Through Stacking

To maximize points earned, you can compound or "stack" multipliers strategically. Here's how:

1. Organize Credit Card Usage

  • Some people use a label maker to designate specific cards for categories like gas, groceries, travel, cell phone bills, and rideshares (e.g., Uber).

  • Exception: When working toward a sign-up bonus (SUB), prioritize all spending on the card you're trying to meet the SUB requirement for.

2. Use Shopping Portals

  • Capital One Shopping: A browser extension that helps you find discounts and earn rewards on your purchases.

  • Rakuten: Link your Amex account to earn Membership Rewards (MR) points for purchases made through Rakuten’s portal. This is a great way to earn points passively on everyday shopping.

3. Leverage Amex Offers

  • Amex Coupons: Check the Amex app regularly for exclusive offers and discounts.

    • These must be added to your account before making a purchase to qualify for the rewards.

Pro Tip: Combining shopping portals, Amex Offers, and your credit card’s category multipliers can significantly boost the points earned from a single purchase.