Grocery prices may be rising, but with the right mix of savings tools, you can fight back and shrink your total at checkout. From instant cashback and digital gift cards to receipt rewards and loyalty integrations, today’s apps make it easy to stretch every dollar—without changing where or how you shop.
Here are the best apps to help you consistently save money on your grocery bill, whether you’re shopping in-store or online.
- Fluz – Instant cashback with grocery gift cards
Fluz offers instant cashback when you buy and use digital gift cards for your grocery purchases. Unlike traditional reward programs that take days or weeks to process, Fluz pays cashback the moment you use the gift card—whether in-store or online. You can also buy gift cards for the exact amount due at checkout.
For example, you can earn cashback with a Kroger gift card, get rewards with a Safeway gift card, or save money at H-E-B with a gift card. These rewards can be stacked with loyalty discounts, digital coupons, and rebate apps for maximum savings.
You can explore eligible retailers through the full Fluz store directory.
- Ibotta – Scan receipts or link loyalty cards
Ibotta is a rebate app that lets you earn cashback by selecting offers before you shop. After checkout, scan your receipt or connect a store loyalty account (e.g., Walmart, Kroger) to claim rewards. Offers change weekly and often feature top grocery brands, personal care items, and household staples.
You can use Ibotta alongside Fluz by paying with a cashback-enabled gift card and submitting your receipt after.
- Fetch – Points for every receipt
Fetch turns nearly any grocery receipt into reward points. You don’t need to preselect offers—just scan your receipt and earn. Bonus points are offered for promoted brands and product launches. Once you accumulate enough points, you can redeem them for gift cards to major retailers.
Since Fetch doesn’t require a specific payment method, you can still earn cashback with a BJ’s Wholesale gift card through Fluz and scan your receipt afterward for added rewards.
- Rakuten – Best for online grocery and club stores
Rakuten offers cashback on online grocery purchases through affiliated retailers like Walmart, Sam’s Club, and Instacart. You activate an offer through Rakuten before shopping online and receive cashback once your transaction is verified.
It’s especially useful when ordering delivery or pickup groceries.
- Upside – Limited grocery deals, big gas rewards
Upside is better known for fuel discounts but occasionally includes offers for grocery stores and convenience retailers. You claim an offer in-app, make the purchase, and upload your receipt to receive cashback. It’s a valuable add-on for hybrid grocery and gas trips.
How to combine grocery apps for maximum savings
- Pay with a gift card from Fluz to lock in instant cashback
- Scan your receipt with Ibotta or Fetch for post-purchase rewards
- Use a grocery loyalty program to get store-specific discounts
- Stack credit card rewards if you’re not using a gift card
When used together, these tools can help you save between 10%–30% on regular grocery purchases—without clipping coupons or hunting sales flyers.
