Grocery loyalty programs have evolved far beyond basic points or paper punch cards. Today’s programs offer digital coupons, fuel savings, free groceries, and member-exclusive pricing. Whether you’re shopping in-store or online, joining a loyalty program can lead to meaningful savings—especially when combined with cashback tools and smart shopping habits.

Here’s a breakdown of the best grocery loyalty programs and how to use them to your advantage.

1. Kroger – Shopper’s Card & Fuel Points

Kroger’s Shopper’s Csrd gives customers access to weekly digital coupons, personalized deals, and one of the most robust fuel rewards programs available. You earn 1 fuel point per $1 spent, and 100 points can save you 10¢ per gallon at Kroger Fuel Centers.

You can stack loyalty savings by earning cashback with a Kroger gift card through Fluz, then scanning your Shopper’s Card at checkout for extra discounts and points.

2. Safeway – Safeway for U

Safeway for U offers member pricing, digital coupons, and a personalized rewards system. You earn points on every purchase, which can be redeemed for discounts on groceries or fuel.

Combine these perks with a Fluz gift card to get rewards with a Safeway gift card and maximize both immediate savings and long-term rewards.

3. H-E-B – Digital Coupons & Combo Locals

H-E-B doesn’t have a traditional point-based loyalty program, but its in-store and digital coupons are some of the most aggressive in the industry. Their “Combo Locals” offer discounts on bundled items, and the H-E-B app makes it easy to clip deals and plan purchases in advance.

You can save money at H-E-B with a gift card purchased through Fluz while using the store’s digital coupons at checkout.

4. Target – Target Circle

Target Circle members earn 1% back on eligible purchases, plus access to weekly deals, birthday discounts, and personalized promotions. You can stack Circle offers with manufacturer coupons and Target’s RedCard discount.

While Fluz does not currently offer Target gift cards, receipt rebate apps like Ibotta or Fetch pair well with Target Circle to enhance savings.

5. BJ’s Wholesale Club – BJ’s One Membership

BJ’s offers members exclusive pricing, digital coupons, and access to its fuel savings program. With a BJ’s One™ or BJ’s One+™ membership, you also earn 2%–5% back in rewards on eligible purchases.

To maximize value, use Fluz to earn cashback with a BJ’s Wholesale gift card when purchasing groceries or household items.

6. Albertsons – Just for U Rewards

Albertsons shares a loyalty program framework with Safeway, offering personalized deals, digital coupons, and points that convert into grocery or fuel discounts.

Like its sister program, it pairs well with cashback gift cards and weekly sale stacking.

How to get the most from grocery loyalty programs

• Sign in or scan your card every time you shop, online or in-store

• Clip digital coupons weekly, especially on high-volume staples

• Check for fuel rewards if your store offers a gas program

• Pair loyalty programs with Fluz gift cards to earn cashback with a grocery gift card while unlocking store-specific perks

• Use rebate apps like Ibotta or Fetch to stack post-purchase savings

The more you integrate loyalty programs into your routine, the more automated your savings become. With a few extra taps or swipes, you can unlock double or even triple rewards every time you shop.