If you’ve ever used a grocery loyalty card to shave a few dollars off your total, you already know how rewarding it can be to shop smart. But what if you could layer that savings with instant cashback—without clipping a single coupon? By combining store loyalty programs with cashback from digital gift cards, shoppers can double-dip and maximize their savings on every grocery run. Here’s how to stack your rewards the smart way.

Start with Your Grocery Loyalty Program

Most major grocery chains offer free loyalty programs that provide instant discounts, fuel points, or digital coupons. Signing up only takes a few minutes and can lead to noticeable savings over time. Popular programs include:

• MyWalgreens
• Stop & Shop GO Rewards
• Safeway for U

Always enter your phone number or scan your loyalty card at checkout to trigger these discounts. But don’t stop there.

Add a Gift Card with Cashback for Instant Rewards

Before you check out, you can boost your savings even more by purchasing a digital gift card through a platform like Fluz. This allows you to earn cashback with a Safeway gift card or get rewards with a BJ’s Wholesale gift card, on top of your loyalty discounts. Even regional stores like HEB offer gift card-based cashback options.

Here’s how it works:

1. Open Fluz and search for your grocery store.
   
2. Enter your checkout total.
   
3. Buy a gift card for that amount and instantly receive cashback.
   
4. Use the gift card code to pay—right at the register or self-checkout.
   

Double Up on Rewards

Stacking your loyalty benefits with gift card cashback creates two savings layers:

• Loyalty programs offer in-store discounts, personalized coupons, and rewards points.
  
• Fluz gift cards let you earn real money back from your total.
  

By combining them, you’re not just saving—you’re earning on the money you already planned to spend.

When to Stack for the Best Results

The best time to use this combo strategy is:

• During store sales or promotions
  
• When loyalty programs offer bonus point days
  
• When Fluz offers boosted cashback rates (shown in-app)
  
• When shopping for high-spend holidays or bulk stock-ups
  

A Sample Scenario

You’re shopping at Kroger with a Kroger Plus account and planning to spend $150.

1. You check Fluz and see Kroger is offering cashback.
   
2. You buy a $150 Kroger gift card with cashback and earn instant rewards.
   
3. You scan your loyalty card at checkout and pay using the gift card.
   

That’s savings from both ends—no points left behind, and no cashback missed.

Final Thoughts

In today’s economy, strategic shopping can make a real difference. Combining loyalty program perks with cashback from grocery gift cards is one of the easiest ways to boost value on your weekly spend. If you haven’t tried stacking yet, you’re leaving rewards on the table.