Smart shoppers know that real savings don’t come from just one discount—they come from stacking. At department stores like Macy’s, Kohl’s, and JCPenney, combining multiple offers can help you walk away with serious value. If you’ve ever wondered how to layer store coupons, rewards programs, and gift card strategies together, this guide will show you how.

Step 1: Start With a Cashback Gift Card

Before you even think about clipping coupons or applying promo codes, consider how you’ll pay. If you buy your gift card through a platform like Fluz, you can earn cashback with a JCPenney gift card or get rewards with a Macy’s gift card before you even hit checkout.

This method gives you money back up front and can be used in-store or online. Fluz also allows you to generate gift cards on the spot for the exact amount of your purchase, making it ideal for stacking during checkout. Download Fluz here to start using gift cards as a core part of your savings plan.

Step 2: Add Coupons and Promo Codes

Once your gift card is ready, check the latest store coupons. Most department stores allow you to stack a gift card payment with digital coupons or promo codes during sales. For even more value, use coupon databases like RetailMeNot or Slickdeals to search for verified offers. You can often find 20% off codes, free shipping, or gift-with-purchase promotions.

Step 3: Tap Into the Loyalty Program

The last piece of the puzzle is the store’s own rewards program. Most department stores give points or store cash for every dollar spent—even when you use a gift card to pay. Just make sure your rewards account is linked at checkout (online or in-store) so you don’t miss out.

Real-World Example: How the Stack Works

Let’s say you want to buy $100 worth of clothes at Kohl’s.

1. Buy a $100 gift card through Fluz and earn cashback with a Kohl’s gift card
2. Use a 20% off coupon found on the Kohl’s site or via an app like RetailMeNot
   
3. Apply Kohl’s Rewards and earn 5% back in rewards points
   
4. If a Kohl’s Cash promotion is active, get even more credit to use on your next purchase
   

That’s potentially over 25% back in value between upfront discounts, rewards, and cashback—just by stacking wisely.

Final Tip: Stack Only What’s Accepted Together

Some stores limit how many promotions you can use, especially on clearance or special event items. Always read the fine print and test your combinations in the cart before checking out. When in doubt, try stacking online first, as many stores have looser promo rules compared to in-store registers.