If you’re not combining cashback apps, loyalty points, and digital gift cards when dining out or ordering in, you’re leaving serious money on the table. With just a little planning, you can turn a single meal into a chain of rewards by stacking platforms like Fluz, Rakuten, and Ibotta, alongside restaurant loyalty programs.

Here’s how to build a simple but powerful strategy to save money every time you eat—whether it’s delivery night or a dine-in splurge.

Step 1: Start with a Fluz Gift Card for Instant Cashback

Before you pay at a restaurant or place an order online, purchase a digital gift card through Fluz. Fluz offers instant cashback at dozens of national dining chains and food delivery platforms, and you can buy a gift card for the exact amount of your bill—down to the cent.

Examples:

• Earn cashback at Uber Eats when you buy a gift card before checkout.
  
• Get discounts at Olive Garden for dine-in or takeout.
  
• Save money at Carrabba’s Italian Grill using a digital gift card at the register or online.
  

Once you’ve purchased the gift card, apply it as your payment method during checkout or when paying your bill. Fluz cashback is credited to your account instantly.

Step 2: Layer in Rakuten or Ibotta for Extra Rewards

Rakuten and Ibotta both offer cashback portals for online dining orders. Here’s how to double-dip:

• Open the Rakuten app or browser extension and activate a cashback offer for your food platform (like Uber Eats or Grubhub).
  
• Place your order using the Fluz gift card you purchased earlier.
  
• Cashback from Rakuten is credited to your account once the purchase is confirmed.
  

With Ibotta, it works similarly:

• Activate a dining or restaurant offer before making a purchase.
  
• Upload your receipt or link your account (depending on the deal).
  
• Pay with a Fluz gift card and redeem the Ibotta offer for additional savings.
  

Access Rakuten here and Ibotta here to browse available offers.

Step 3: Don’t Forget Restaurant Loyalty Programs

Many restaurant chains have free loyalty programs that reward you for each visit, and you can still earn those points even when paying with a gift card.

Examples:

• MyPanera: Earn points on every order at Panera Bread. Stack with Fluz Panera gift cards.
  
• CAVA Rewards: Get perks at CAVA when you scan your account before paying with a gift card.
  
• Chili’s Rewards: Combine loyalty points with cashback at Chili’s via Fluz.
  

Sign up for loyalty programs directly on the restaurant’s website or app before your next visit.

Pro Stacking Tips

• Order online: It’s easier to activate Rakuten or Ibotta offers and use gift cards in one seamless flow.
  
• Use a rewards credit card when funding your Fluz purchases for even more cash back.
  
• Check Fluz in real time before paying—many merchants offer variable rates that can change daily.
  
• Keep receipts in case a cashback portal requires upload confirmation (especially for Ibotta).
  

Final Bite

When used together, Fluz, Rakuten, Ibotta, and restaurant loyalty programs form a powerful cashback ecosystem. Instead of choosing just one, stack them to earn on every level of your meal—from purchase to plate. Whether you’re ordering delivery from Uber Eats or dining out with friends, stacking rewards turns dinner into a smarter spend.