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If you shop online but don’t use rewards malls, you’re missing out on some awesome discounts. And if you have a credit card, you’re probably already eligible to start saving. We’re not talking chump change here—bonus malls can yield up to 20% cash back. To see what deals your rewards mall entitles you to, or to decide which mall is right for you, check out our discounts tool and peruse over 10,000 different offers.
Types of rewards malls
With no shortage of options, choosing the right rewards mall can be tricky. First understand that there are two main types: 1) Malls operated by popular points programs (i.e. Chase Ultimate Rewards Mall or Delta SkyMiles) and 2) malls run by sites that direct you to their partners (i.e. FatWallet.com or eBates.com). Generally, malls operated by big-name rewards programs pay you in points, while independent mall sites offer cash.
If you find yourself returning to the same stores time and time again, it doesn’t much matter which kind of mall you use—you’ll get your money’s worth either way. But if you’re more of a sporadic shopper and can’t guarantee consistent purchasing, you may benefit more from a straight cash back system.
ShopDiscover: the easy choice
On the surface, they all appear to offer worthwhile kickbacks. But if you look closely, you’ll find significant differences between malls. We chose 20 of the country’s largest retailers (Target, Best Buy, Macy’s, etc.—scroll to the bottom for a full list) and made note of the most rewarding mall for each store. For 16 of the 20 retailers (or 80%), ShopDiscover came out on top with untouchable return rates. At Best Buy, for example, you earn 10% cash back through ShopDiscover. The runner-up stood at a mere 3.6%.
Capital One Perk Central was the next best program, with the best rate at 3 stores and the second-best rate in 6. Following close behind was the Chase Ultimate Rewards Mall with 2 first places and 7 second places. (These totals, by the way, don’t add up to 20 because they include ties.) FatWallet.com was the first independent mall site on our list, earning 2 first place awards and 6 second places.
|Rewards Mall||Partner Stores||# of 1st Place Kickback Deals from our Top 20 Store List||# of 2nd Place Kickback Deals from our Top 20 Store List|
|Capital One Perk Central||527||3||6|
|Chase Ultimate Rewards Mall||442||2||7|
|Citi ThankYou Bonus Center||757||1||7|
|Citi Bonus Cash Center||605||1||7|
|American Express Bonus Points Mall||722||1||6|
|American Airlines AAdvantage Shopping||1057||0||7|
|Marriott ShopMyWay Mall||450||2||2|
|Wells Fargo Earn More Mall||752||1||3|
|Bank of America WorldPoints Mall||1036||1||2|
|Choice Hotel Privileges Mall||1325||0||3|
|Delta SkyMiles Shopping||733||0||1|
|Hilton HHonors Earnings Mall||474||0||1|
|US Airways Dividend Miles Shopping Mall||723||0||1|
|United Mileage Plus Shopping||739||0||0|
ShopDiscover credit cards
Combined with the ShopDiscover rewards mall, the Discover it® - Cashback Match™ is virtually unbeatable when it comes to shopping rewards. You earn credit card cash back at a base rate of 1%. The Discover it® - Cashback Match™ also has rotating bonus categories that earn 5%, including things like gas, groceries, restaurants and more. These categories are usually capped at $1,500 in purchases per quarter. It has an annual fee of $0 and comes with an introductory APR of 0% on purchases for 12 months and 0% on balance transfers for 12 months, and then the ongoing APR of 11.24% – 23.24% Variable.
Here’s a chart of the best malls for the 20 retailers as mentioned above:
|Retailer||Best Mall(s)||Rewards Rate|
|Aeropostale||Shop Discover / Capital One Perk Central||5%|
|Barnes & Noble||ShopDiscover||15%|
|Bed Bath and Beyond||ShopDiscover||5%|
|Dick’s Sporting Goods||ShopDiscover / Citi Bonus Cash Center / Citi ThankYou Bonus Center / Wells Fargo Earn More Mall||5%|
|Game Stop||ShopDiscover / Capital One Perk Central||5%|
|Kohl’s||ShopDiscover / Chase Ultimate Rewards Mall||10%|
|Macy’s||ShopDiscover / Chase Ultimate Rewards Mall||5%|
|Starbucks Store||FatWallet.com / Bank of America WorldPoints Mall / Marriott ShopMyWay Mall||4%|
|Toys ‘R’ Us||Upromise.com||10%|
|Urban Outfitters||ShopDiscover / Capital One Perk Central||5%|
|Victoria’s Secret||American Express Membership Rewards / Marriott ShopMyWay Mall||5%|