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๐Ÿ›’ Grocery Shopping Money-Saving Tips
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milespot
1 months ago

๐Ÿ›’ Grocery Shopping Money-Saving Tips

Stacking gift card deals, credit card rewards, and student discounts is a clever way to boost your savings on everyday shopping. This article shows you how to unlock over 12% in total savings without changing your usual spending habits.

1. ๐Ÿ’ณ Credit Card Signup Bonuses & Cashback

Signup bonuses
These are often the best value. You can redeem them as cashback, and the bonus amount is usually significant. Grocery spending is a great way to hit the minimum spend.

Best cards for grocery cashback:

  • Citi Strata Premier โ€“ 3% on grocery stores
  • Bread Rewardโ„ข American Expressยฎ Card โ€“ 3% on grocery stores
    • Additional 0.75% on all purchases if you make 20+ transactions per statement period
  • Venmo Credit Card โ€“ 3% cashback in your top spend category (auto-adjusts monthly)
  • Chase Freedom / Discover It โ€“ Occasionally offer 5% cashback on grocery stores as part of rotating quarterly categories (activation required)

2. ๐Ÿช H Mart Hacks (Up to 12.5% Off)

  • H Mart Gift Card: Buy $500 worth of H Mart gift cards and get 5% off
  • 5% Student Discount: Just show your student ID at checkout

โœ… How to stack for up to 12.5% savings:
Pay $475 for a $500 gift card, then use it to buy $526 worth of goods with the student discount.
You also earn at least 3% cashback ($14.25) if you use a credit card listed above.

3. ๐Ÿฌ Costco Shopping Tips & Gift Card Rewards

Third-party gift cards at Costco (e.g., restaurants, travel brands) can be a sweet spot for stacking rewards:

  • Executive Members earn 2% cashback on these gift card purchases
  • Combine with a good credit card to maximize total rewards:

Best credit cards for Costco gift card purchases: Costco accepts only visa in-store; visa and mastercard online.

  • ๐ŸŸฆ Venmo Credit Card โ€“ 3% cashback on your top spend category (auto-adjusts monthly, can be Costco)
  • ๐ŸŸจ Costco Anywhere Visaยฎ Card by Citi โ€“ 2% cashback at Costco (including gift cards)
  • ๐ŸŸฉ Any 1.5% ~ 2% cashback cards

โœ… Stack tip: With the right combo, you can earn 4โ€“5%+ total cashback on already discoutned third-party gift cards from Costco.

3. ๐Ÿ“ฆ Instacart Gift Card Hacks

  • Instacart can be convenient for busy schedules. You can shop at Costco without a membership.
    But note:
    • Some in-store discounts don't apply
    • Prices can be higher than in-store

โœ… Tip: If you already use Instacart, buying discounted Instacart or Costco gift cards (e.g., from Costco.com or resellers) can save you extra.