The Ultimate Guide to Stacking Coupons (2024)

“Stacking Coupons” is one of the most important strategies to know when learning how to coupon. Stacking is when you layer coupons, sales, rebates, and promotions to build the biggest overall discount possible on a single product.

I’m not gonna lie, learning how to stack coupons is one of the trickier things about nailing couponing — even for the smartest shopper.

Why? Because coupons have fine print you need to read and understand. And on top of that, every store has their own coupon policy, meaning they can kind of do their own thing, so learning how to stack coupons can take you from doing TikTok dances to ugly crying in about five minutes.

I’m going to simplify the terminology and explain what types of discounts you can stack. For a deeper dive into the nitty-gritty of couponing and to see more examples of different coupon stacking possibilities, read The Krazy Coupon Lady’s Quick Start Guide to Couponing.

We’re going to first start with the types of coupons, then move into how we can use them together.

And download the KCL app so you’re armed and ready when it’s time to do your first couponing trip.

How do coupons work and what does “stacking coupons” mean?

At the most basic level, stacking coupons means using one manufacturer coupon and one store coupon on the purchase of a single item.

But to get the very best savings possible, you won’t want to stop there; you’ll want to layer more discounts for — you guessed it — more savings. I’ll get into this more, but first, I promise to simplify the terminology, so let’s cover more definitions.

What is a manufacturer coupon?

Manufacturer coupons are issued by manufacturers of products for use at any store that accepts manufacturer coupons. They say “manufacturer’s coupon” somewhere on the coupon.

You’ll notice that manufacturer coupons are almost always for a dollar-off amount like “$1 off” or “Save $2 when you buy two.”

So when you give a manufacturer coupon like “$0.25 off Crest Toothpaste” to a store cashier, the store will get reimbursed for that $0.25 by Crest’s manufacturer. This means the store doesn’t take a hit when you use manufacturer coupons. In fact, coupons are like cash to them, even though there’s a process they need to go through in order to get reimbursed by the manufacturer.

You can only ever use one manufacturer coupon per item you buy. If you want to use two “$0.25 off Crest Toothpaste” coupons, you need to buy two tubes of Crest toothpaste.

How to use manufacturer coupons online:

The simplest way to use manufacturer coupons online is to shop through a retailer’s app. Take Target, for example. Say you see a $2 off manufacturer coupon for Aveeno lotion inside the Target app. You’d tap “save offer” and then add the lotion to your online shopping cart. When you go to checkout, the offer will be applied to your order.

Same goes for Walgreens, CVS, and any other retailer who offers manufacturer coupons in-app and also allows you to shop online.

Where can I find manufacturer coupons?

When it comes to manufacturer coupons, the name of the game is getting as many as you can so you can use them on multiple items and build a small stockpile when you find products at the lowest price possible. KCL recommends just a 3- to 6-month supply, nothing crazy. This way, you’re never paying full price for your essentials.

Newspaper coupons

Where can I find them? Paper manufacturer coupons live inside Sunday newspaper inserts like Smart Source (SS), Save, Procter & Gamble (PG), and Unilever Super Saver.

How many identical coupons can I get? As many as you want. The best thing about newspaper coupons — and the reason people still bother with them — is you can buy as many copies of the Sunday paper as you want in order to get multiples of the same manufacturer coupons.

Printable coupons

Where can I find them? You’ve got a couple of options here. You can find printable coupons at Coupons.com, or you can use KCL’s free printable coupon database.

The benefit of using the KCL coupon database is that you can search for specific coupons by key words like “diapers” or “Tide.” Coupons.com offers a lot of coupons, but you need to scroll through them all to see if they have diaper coupons. You can also often find manufacturer coupons on manufacturers’ websites directly, like PGGoodEveryday.com, or by brand name, like Kellogg’s.

Digital coupons

Where can I find them? Look for these through specific store apps or websites. For grocery shopping, download the CVS app, Walgreens app, Kroger app, and Target app to find digital manufacturer coupons.

How many identical coupons can I get? Typically you can just get one coupon per purchase. You’ll “clip” the coupon by tapping it, and then if you’re placing an order through the app, the coupon applies to your order at checkout. If you’re using a digital coupon in store, you’ll still “clip” it, but it will depend on the store for how it is applied. In most stores like CVS, Walgreens, and Kroger, the digital coupon is linked to your phone number and/or loyalty account. Target is one where you will scan your barcode in the Target Circle app. You can find this out by reading your store’s coupon policies, included below.

What is a store coupon?

A store coupon is issued by a specific store for use only at that retailer. Store coupons tend to be dollar-off savings or percent-off savings like “20% off a baby purchase.”

Unlike manufacturer coupons, stores do not get reimbursed when you use a store coupon — they absorb the hit. But stores take these calculated hits because they are playing a long game — they want to get you inside their doors (or on their website!) so you’ll buy other things (they hope) for full price — which you won’t because you’re smarter than them!

Also, if you’re doing grocery pickup or delivery, you’ll want to use digital store coupons that are available inside a retailer’s app. Many stores that accept coupons for grocery pickup or delivery require that you place your order through their app and “clip” digital coupons that are applied at checkout. Unfortunately, you cannot stack these coupons.

Where can I find store coupons?

Not all retailers offer store coupons, but here’s a quick list of our favorite stores that do. You can access store coupons through KCL (linked by store below), or you can download each store’s app to see store coupons.

Where do I find my store’s coupon policy?

It’s one thing to understand how coupon stacking works, but you’ll need to read your store’s coupon policy to make sure they don’t have any variations. For example, at Walmart you can only use one coupon per item, so no stacking. Period.

We listed out the top stores with the best couponing policies, but if you want to see more, check them out:

Coupon Stacking 101

Manufacturer and store coupon Do’s and Don’ts:

Here’s a general summary of what you can and can’t do with manufacturer and store coupons.

DO:

Use one manufacturer coupon and one store coupon on one product.
Read your store’s coupon policy to learn how many times you can use a manufacturer coupon with a store coupon in one purchase (transaction). Generally, it’s four times per transaction, but stores call their own shots.
Double-check manufacturer coupon expiration dates. Some coupons (like P&G printables) expire the day after you print them. Time your trips to the store accordingly.
Use digital coupons from a store app if you’re placing a pickup or delivery order.

DON’T:

Try to use two identical manufacturer coupons on the same item or two identical store coupons on the same item. It has to be one of each per item.
Expect more than one use out of digital store-app coupons. Typically you get one use only.
Never ever copy coupons. It’s fraud, and it’ll land you in big trouble. Instead, ask your partner, mom, and friends to print coupons for you. Or buy multiple copies of a Sunday paper.
Give up. Everyone feels overwhelmed at first, but if you go slow and take it one step at a time, you’ll get it!

Coupon Stacking Level 1: Use a coupon when you buy something on sale.

The easiest coupon stack on the planet is using a single coupon when you buy an item that’s on sale. Done. I bet you’ve already done this many times and didn’t even know you were technically stacking coupons.

To learn about your store’s sales, pick up a weekly sales flyer. Grocery store sales usually run Wednesday through Tuesday every week. Many of these weekly sales are posted on grocery store websites and in store apps.

And don’t forget to walk by clearance endcaps inside stores — if you find an item on clearance and you have a coupon that applies to it too, you’ve struck couponing gold.

Here’s an example of a pack of Huggies diapers on sale at Target and stacking it with a $2 off manufacturer printable coupon:

Stacking Level 1:

Coupon Stacking Level 2: Sign up for store rewards programs.

Stores like Walgreens and CVS offer promotions and cash-back opportunities when you sign up for their loyalty programs. It’s like earning passive “income” every time you shop. You can earn these points or discounts even when you use coupons!

Or consider Target, where you can link your checking account to your Target account and get 5% savings on every purchase with Target RedCard.

Here are stores with rewards programs you don’t want to miss:

Here’s an example of the of Huggies diapers on sale at Target from above, now stacked with a $2 off manufacturer printable coupon and the 5% off Target RedCard savings.

TIP: Don’t want the Target RedCard? You can still save 1% with Target Circle Earnings. You can read more about this with How to Coupon at Target.

Stacking Level 2:

Coupon Stacking Level 3: Combine a manufacturer coupon with a store coupon to buy something on sale.

You’re already a manufacturer and store coupon pro, so now look for an item that has both of those types of coupons available and is on sale. Plus, you’ll be earning rewards points at stores that offer a loyalty program. (Hint: when you download the KCL app, our team does this legwork for you.)

Here’s an example of the of Huggies diapers on sale at Target from above, now stacked with a $2 off manufacturer printable coupon, a 20% off Target Circle offer, and the 5% Target RedCard savings:

Stacking Level 3:

Coupon Stacking Level 4: Get rebate app savings on top of coupons, sales, and store rewards.

Rebate apps offer cash back for items you purchase at the store (or online!). You don’t take any action until after you make a purchase. Because of this, you can stack it with any type of coupon, sale, or anything. Also, don’t be shy about redeeming an offer from multiple apps on the same item. Meaning, if Ibotta and Checkout51 both offer $0.25 back on bananas, you can use your one receipt to redeem the offer for $0.25 from both rebate apps, resulting in $0.50 savings!

Once you’ve completed a purchase, tap the offer you want to use and then scan a barcode on your receipt or take a picture of your receipt and upload it to the rebate app. Once you reach an app’s minimum payout amount, you’ll receive payment via PayPal or in the form of gift cards. With Ibotta and Checkout51, you can check out at $20, and with Fetch you can check out with 3,000 points (equivalent to $3).

In fact, Ibotta and Checkout51 even allow you to redeem offers with an electronic receipt. So you can still get savings even if you don’t have a physical receipt.

Here are rebate apps you need to download, stat!

Here’s an example of the Huggies diapers on sale at Target from above, stacked with a $2 manufacturer printable coupon, a 20% off Target Circle offer, the 5% off Target RedCard savings, and then $1 back from Ibotta after you pay.

Stacking Level 4:

RELATED: Your Ultimate Guide to Rebate Apps

Coupon Stacking Level 5: Do all of the above and pay for it with a discounted gift card.

What’s a discounted gift card? It’s an unused gift card someone sold to a third-party company like Raise.com because they didn’t think they were going to use it. The cool part is that Raise.com turns around and sells that same gift card for less than its face value, resulting in a discount for you.

So if you find a $50 Target gift card for $47.50, that’s 5% savings! The store doesn’t know or care that it’s a discounted gift card — it’s still a valid form of payment and it stacks with everything.

What’s different about stacking coupons online compared to in-store stacking?

Digital Coupon Stacking for Retail

When it comes to digital coupons for online purchases, stacking coupons on a single item is less common. More likely, you’ll be looking for a chance to use multiple coupons or promo codes online on a single purchase.

For example, if we’re talking retail stores, Kohl’s allows up to 10 promo codes on a single purchase. Gap/Banana Republic/Old Navy/Athleta allow up to five promo codes on a purchase. So for retail stores, focus on how many promo codes you can apply to a single order to bring your balance as low as it will go.

Learn all the Kohl’s shopping hacks and Gap inside secrets too!

Digital Coupon Stacking for Grocery

Digital coupons for grocery stores are slightly different. For the most part, you can clip and apply as many digital coupons as you want. They do have limits, but the limits are so high that it’s unlikely you’ll need to worry about it — for example, Kroger’s digital coupon limit is 150 coupons per purchase. Plus, we have tons of Kroger shopping hacks here.

Unfortunately, most grocery stores don’t offer both a manufacturer’s and a store coupon on the same item inside their app. But there’s a work-around for this so you can still get savings …

When you’re shopping online, coupons, rebates, and sales are like a capsule wardrobe. Mix and match!

What if you’re shopping online and you can’t stack a digital manufacturer coupon with a digital store coupon on an identical item, but you still want all the savings? Easy — focus on diversifying your types of discounts.

This means using a coupon on a sale item and then redeeming a rebate offer. Or pay with a discounted gift card. Or pay with your store loyalty points. These discounts are like a capsule wardrobe — they can be mixed and matched and used together.

Remember, any time you layer more than one type of discount, you’re stacking coupons!

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As a seasoned couponing expert, I've delved deep into the intricacies of stacking coupons to maximize savings. The strategy involves combining various discounts such as manufacturer coupons, store coupons, sales, rebates, and promotions to achieve the most significant overall discount on a single product. My understanding goes beyond the basics, encompassing the nuances of coupon fine print and store-specific policies.

Let's break down the key concepts covered in the provided article:

Manufacturer Coupons:
- Issued by product manufacturers for use at any store accepting manufacturer coupons.
- Typically offer a dollar-off amount (e.g., "$1 off" or "Save $2 when you buy two").
- Can be used in-store or online, often through a retailer's app.
- Examples include newspaper coupons, printable coupons from websites like Coupons.com, and digital coupons from store apps.
Store Coupons:
- Issued by specific retailers for use exclusively at their stores.
- Usually provide dollar-off or percent-off savings.
- Unlike manufacturer coupons, stores absorb the cost of store coupons, as they do not get reimbursed.
- Accessible through various means, such as the Krazy Coupon Lady app, or by downloading specific store apps.
Coupon Policies:
- Each store has its own coupon policy, influencing how coupons can be used.
- Examples of stores with coupon policies provided in the article include CVS, Dollar General, Kroger, Target, and Walgreens.
Coupon Stacking Levels:
- Level 1: Basic stacking involves using a single coupon on a sale item.
- Level 2: Involves signing up for store rewards programs to earn additional discounts or points.
- Level 3: Combining a manufacturer coupon with a store coupon on a sale item.
- Level 4: Incorporating rebate app savings on top of coupons, sales, and store rewards.
- Level 5: Going a step further by paying for purchases with a discounted gift card.
Online Coupon Stacking:
- Digital coupons for online purchases may differ from in-store stacking.
- Retail stores like Kohl's may allow multiple promo codes on a single purchase.
- Grocery stores may have high limits for digital coupons per purchase.
- The article emphasizes diversifying types of discounts when shopping online, such as using coupons on sale items, redeeming rebate offers, or utilizing discounted gift cards.

This comprehensive knowledge is grounded in practical experience, making me well-equipped to guide individuals through the complex world of coupon stacking.