The Best Grocery Apps used with Credit Cards
Updated: May 21
Saving money on groceries throughout the year will be significant savings at the end of the year.
In some of our articles, we talk down about holding credit card balances and how dangerous that can be. This being said, if you pay these down at the end of each month they can be very useful tools. Credit cards should be used for just that, being a tool, this means to take your points or rewards and run And never ever keep balances. If this is something that you may struggle with then, by all means, avoid this part of the strategy. Some of the mobile apps we will discuss can actually work together and you're able to compound savings this way and in some cases, if you are diligent enough can actually get purchases free of charge after this is all said and done. On top of this, your local supermarkets in many situations offer their own rewards or points programs So you remain loyal to those specific supermarkets. Here in the Charlotte NC area, Harris Teeter which is a chain of supermarkets offers generous discounts on gas that equate to about $0.50 a gallon in addition to other offers, simply go to your local supermarket's website and they should have all of their loyalty programs listed.
Points or Reward-Based Credit Card - If you are one that pays your bills off quickly then this could be an option for you. Many credit cards give cash back or points on groceries if you can stay disciplined using the credit cards, this is a way to compound those savings along with the grocery apps mentioned below. These cards include:
1. Citibank Double cash - 1% when you buy and 1% when you pay.
2. Chase Freedom - Offers 5% cash back in select categories that change quarterly, as well as travel and shopping protections that aren’t common on cards without an annual fee. You can convert rewards earned on the Chase Freedom to Ultimate Rewards if you have a card that earns Ultimate Rewards, which effectively doubles your return by unlocking valuable redemption opportunities.
3. American Express Gold card - 4X Membership rewards points. Earn 4X Membership Rewards points at US supermarkets on up to $25,000 per calendar year in purchases.
4. Amex EveryDay Preferred Credit Card from American Express - 3X points at U.S. supermarkets on up to $6,000 in purchases per year.
5. Blue Cash Preferred Card from American Express - 6% Cash Back at U.S. supermarkets earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
5. Target Red card - Save 5% on groceries and their other items as well.
6. Amazon Prime Rewards Visa Signature Card - Earn 5% Back every time you shop at Whole Foods Market with the Prime Rewards Visa Card and an eligible Prime membership. From weekly deals to an extra 10% off items with yellow sale signs, Prime members save more on grocery favorites and everyday essentials.
7. Amex Every Day Credit Card from American Express - 2X points at US supermarkets on up to $6,000 per year in purchases.
Grocery Apps - There are many apps to help you save money on groceries.
8. Flipp -This is one app I find to be very helpful by centralizing coupons. Flipp has all the weekly ads from local supermarkets posted in one place so you do not have to waste time digging through papers and clipping coupons. So, this app allows you to save time and money, good deal! Whether you use Flipp or if you take advantage of sales directly from the supermarket it’s always good to try to stock up on proteins and freeze the excess.
9. Coupon.com - Batch buying is just a smart way to shop. The next grocery app we would recommend trying is where you can have access to printable coupons, digital coupons, and coupon codes. They also have a mobile app as well.
10. Rakuten - which use to be ebates. They offer 1.5% cash back at Sam's Club and 1.5% cashback at BJ's for all purchases. Most of their deals are for non-food related items.
11. Checkout 51 - Earn a percentage of your purchase, and when your account balance reaches $20, you can cash out and we'll mail you a check after the purchase is confirmed. You must make sure the offers that are being claimed are active. Some offers may be claimed multiple times and also use with other apps like Ibotta.
12. Ibotta - Start with the Ibotta app every time you shop to earn cash back on in-store purchases at more than 300 retailers. Ibotta offers flexible ways to save on your shopping, from offers on individual products to instant cash back for your entire purchase. Groceries, clothing, pet supplies — these are the purchases you make every day. When you shop with Ibotta, you’ll earn cash back whenever you shop, both online and in-store. And again these can be redeemed twice with Flipp, Ibotta and Checkout 51.
13. Fetch Rewards - The easiest way to earn points with Fetch Rewards is to just shop for the products that you already love. If you have any participating brands on your receipt, you'll get points based on the cost of the products. You don't need to clip any coupons or scan individual barcodes. Just scan each grocery receipt after you shop and they find the savings for you. Fetch can be used with Ibotta, Checkout 51 and Flipp and for an additional 2,000 points add coupon code: K76V3.
14. SavingStar - First, activate the rebate. Then buy in one trip or many at any store where you have a card registered with SavingStar or one of our Receipt-Scan Stores. Make sure to scan your card or save your receipt every time you shop. Second, track your progress on SavingStar.com. You will receive your savings when you reach your goal. We’ll also email you after each purchase and when you’ve earned your reward. Progress & savings will post to your account within 2-14 days of purchase.
15. Shopkick - Earn kicks in-store and online, then redeem for a wide selection of digital gift cards. Most Shopkickers can earn enough kicks for a gift card in a week.
16. Key Ring - Holds your loyalty cards for supermarkets, drug stores, etc, in addition to offers from your favorite retailers.
We have shown you how to save money on food by making a grocery list, using home delivery services, buy in bulk, Using shopping clubs, batch cooking, relevant credit cards, and a huge selection of shopping apps. In many cases, you can use the same receipt for multiple apps doubling and in some cases quadrupling your savings. A few of these apps simply help you to target where the best offers are located. Clearly, you're not going to use all of these apps, however, if you can tap into the apps that allow you to use simultaneously with the Relevant credit cards the savings will most certainly add up over a year. And if you're very savvy with these apps, some of the items may even be free by using the apps and credit cards collectively. So use the apps that you enjoy using as long as it's consistent to get the most value and strive to be the smartest shopper that you can be.
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