Loyalty programs are one of the easiest ways to save money at the grocery store. From digital coupons and personalized offers to fuel rewards and cash back, these programs reward you just for shopping where you already shop. But not all grocery loyalty programs are created equal.

Here’s a breakdown of the top 10 grocery store loyalty programs in the U.S., ranked based on savings potential, ease of use, and extra perks—plus how to stack rewards using digital gift cards for maximum savings.

1. Kroger Plus
   Kroger Plus is one of the most well-rounded loyalty programs available. Members receive weekly digital coupons, personalized deals, and fuel rewards through Kroger Fuel Centers. Combine it with the Kroger app for digital receipts and exclusive promos. You can also earn cashback with a Kroger gift card when shopping through Fluz for an added bonus.
2. Safeway for U
   Safeway for U offers personalized deals, birthday treats, and rewards points that can be redeemed for groceries or gas discounts. Using the Safeway app gives you access to digital coupons and weekly deals. Stack your savings when you get rewards with a Safeway gift card.
3. Stop & Shop GO Rewards
   Stop & Shop GO Rewards members earn points on groceries and prescriptions, which can be redeemed for gas savings or grocery discounts. The app also offers digital coupons and exclusive weekly offers.
4. Giant Food Flexible Rewards
   Giant’s Flexible Rewards program allows you to earn points on every purchase, then convert them into grocery savings or fuel discounts. Members also gain access to digital coupons and bonus point events.
5. H-E-B Digital Coupons & My H-E-B
   While not a points-based program, H-E-B’s app and digital coupon system consistently offer strong discounts and weekly savings. Users can personalize offers and build shopping lists. You can buy a HEB gift card online with cashback using Fluz to stack even more savings at checkout.
6. Albertsons for U
   The Albertsons for U program mirrors Safeway’s structure with digital coupons, reward points, and fuel discounts. It’s ideal for those who shop multiple banners under the Albertsons umbrella.
7. Publix Club Publix
   Club Publix is a free loyalty program offering digital coupons, early access to sales, and personalized deals. While it doesn’t offer fuel rewards, the app and digital features make in-store savings simple.
8. Walmart Rewards
   Walmart Rewards is integrated with the Walmart app and credit card. Customers earn points on purchases which can be applied to future transactions. Though grocery-specific deals are limited, it works well for bulk pantry or household items.
9. Meijer mPerks
   Meijer mPerks allows shoppers to clip digital coupons, earn rewards, and track savings through the Meijer app. Offers are regularly updated and include pharmacy rewards and personalized discounts.
10. Whole Foods (via Amazon Prime)
    Whole Foods doesn’t have its own loyalty program, but Amazon Prime members receive exclusive discounts, special deals, and delivery perks through the Amazon/Whole Foods ecosystem. It’s less robust than others but adds value for Prime users.

How to Stack Rewards with Cashback Gift Cards

Many of these programs allow you to combine digital offers and point-based rewards with third-party gift cards. With Fluz, you can buy a digital gift card right before checkout and get cashback on your total purchase. That means you can earn cashback with a Kroger gift card, get rewards with a Safeway gift card, or buy a HEB gift card online with cashback—all while stacking it with loyalty perks.

Conclusion: Loyalty Pays—If You Use It Right

The best grocery loyalty programs are the ones that match your shopping habits and reward you frequently. Use store apps to clip digital deals and stay updated on promos. And when possible, pair those programs with cashback gift cards from Fluz to stretch your savings even further.