Grocery prices have remained stubbornly high across the U.S., but that doesn’t mean your only option is to cut back. With a few smart tools and a little planning, you can stack rewards at checkout—whether you’re shopping in-store or ordering online.
From loyalty points to cashback, digital gift cards to card-linked offers, here are five proven strategies to stack savings on groceries without changing where you shop.
- Use a grocery loyalty program for instant discounts and rewards
Most grocery chains offer free loyalty programs that unlock special pricing, digital coupons, and rewards. By simply entering your phone number or scanning your app at checkout, you can access savings that aren’t available to non-members.
Top grocery loyalty programs include:
These programs are free to join and can be combined with digital coupons, card offers, and cashback methods.
- Pay with a cashback-friendly digital gift card
Instead of swiping your debit or credit card, consider paying with a digital gift card from a cashback platform like Fluz. These gift cards can be purchased for the exact amount of your total, allowing you to earn cashback instantly while still earning rewards from your loyalty account.
For example:
- Earn cashback with a Walmart gift card
- Get rewards with a Kroger gift card
- Earn cashback with a Safeway gift card
To get started, browse available grocery merchants at the Fluz homepage.
- Activate cashback offers in grocery apps like Ibotta
Before you shop, open a cashback app like Ibotta and activate offers for products you plan to buy. These often include brand-name items like snacks, pantry staples, and beverages. After your trip, submit your receipt or link your loyalty card to automatically earn cashback.
You can also use Ibotta for online grocery orders at retailers like Walmart, Safeway, and Albertsons.
- Use a rewards credit card on top of everything else
If you’re paying with a Fluz gift card, you’ll earn cashback through Fluz. But if you instead choose to pay directly with a rewards credit card, you can still earn points or cashback—especially if your card offers a bonus category for groceries.
Some top grocery-friendly credit cards include:
You can stack these rewards with loyalty pricing, cashback apps, and digital coupons.
- Use online grocery portals that offer referral bonuses or promo codes
For online orders, consider using grocery services that offer referral credits, promo codes, or their own loyalty perks. Examples include:
- Instacart Express (with discounts and free delivery offers)
- Shipt (offers free trial memberships and new user discounts)
- Walmart Grocery (periodic delivery promos)
You can often layer these discounts on top of Fluz cashback or Ibotta rewards when paying for your order.
Final thoughts
Stacking grocery rewards doesn’t have to be time-consuming or complicated. With just a few quick steps—joining loyalty programs, using digital gift cards, activating cashback offers, and paying with the right card—you can multiply your savings on every grocery trip. Whether you’re shopping online or walking the aisles, these strategies can make your food budget stretch further without changing what you buy.
