PayPal & Point Stack for the Win (20% Off of Travel Giftcards)

Disclosure: Basic Travel Couple, LLC has partnered with CardRatings for our coverage of credit card products. Basic Travel Couple, LLC and CardRatings and MileValue may receive a commission from card issuers. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Note: Some of the offers mentioned below may have changed or are no longer available. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. You can view our current offers here.

We’ve talked about stacking many times and how it can be used for extreme discounts, even getting paid to open a Walmart+ membership. This time around we are using one of my favorite new reward programs to save money on travel & more. Learn how we combined PayPal, Point Debit, and Rakuten to save 20% in this basic breakdown!

Tools for this Stack

In order to earn the most back on this stack, you will need three separate accounts.


Currently, PayPal is running a promotion that is offering 10% back on up to $500 in purchases at Target. You need to opt into the offer first before moving forward. Simply login to your PayPal account and click on “Deal” at the top of the screen. Search for Target and accept the offer.

Are you new to PayPal, let me know your email below in the comments and I’ll send you a referral to earn an extra $10 on this promotion!

Point Debit

The Point Debit has been nothing less than a moneymaker over the last six months. It does come with a $49 annual fee but I’ve easily earned 5X that amount from all of the promotions Point runs. Examples of these promotions include $30 – $50 for buying something five consecutive days in a row and 10% off of popular merchants like Amazon and Target!

Right now, you can earn 10x Points (10% off) of purchases at Target up to $500 spent.

Don’t have a Point Account yet? Sign up and spend $1,000 in the first 30 days and earn $100 in cash back.


If you click through the Rakuten cashback portal, you can earn an additional 1% off of purchases at Target. It’s not much, but 1% here and there adds up quickly! If you don’t have a Rakuten Account, you can earn an extra $30 cashback for signing up and spending $30 in the first 90 days.

Steps to the Stack

  1. Opt into the PayPal 10% off Target Offer to your account
  2. Add your Point Debit Card to your PayPal Account
  3. Log into your Rakuten Account and search for Target
  4. Click through and find what you want to purchase from Target ($500 for the Maximum Cashback)
  5. When checking out, change the payment method to PayPal
  6. Note that the $50 promotion is applied and click on the Point Debit Card to make your purchase

What to Purchase at Target?

There are a ton of options to maximize this stack. My favorite being gift cards. You’ll find many popular brands at Target, including Disney, Airbnb, Hotels.com, Southwest, Delta, and more! I actually went with apple as we are currently looking to purchase a new Macbook air. Using this stack between Lisa and I will result in a nice chunk off of the retail price.

Basic Breakdown

How much is this stack worth? It depends! If you are a new user of all three of those programs that could be worth an additional $140. For me, I purchased one $500 Apple Giftcard and received $50 off via PayPal, $45 off via Point, and $5 off via Rakuten. That’s exactly 20% off. We did this twice with each of our accounts for $200 off of $1,000 towards our new MacBook Pro. Mission Basic Stacking Complete!

Let us know!

Did you go for this stack? Any questions?

I’d love to hear in the comments below or over in our 8,200+ Member Basic Travel Facebook Group!

More Basic Reading

Editorial Disclaimer: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The comments section below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *

5 Basic Travel Strategies

Need-to-know tricks for cheap travel.

Top Credit Card Offers


Chase Freedom Flex℠

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

We're Dave & Lisa

An easy-going, fun-loving couple who have a passion for adventure and exploring the world! Our strategies have saved us over $100,000 in travel over the last four years, and our goal is to help you do the same.

Keep Exploring