With grocery bills rising and special deals harder to spot, shoppers are looking for ways to get more for their money. Loyalty programs can make a real difference, offering practical rewards like discounts, free products, and exclusive offers. But not every program is created equal. Some pile up points you’ll never use, while others give real rewards back that you can see on your next receipt. Knowing which programs deliver value can help you stretch your budget further each month. If you’re serious about saving, these loyalty programs should be on your radar.
1. Kroger Plus Card
The Kroger Plus Card is a staple for many shoppers seeking to earn real rewards on their weekly groceries. Signing up is free and takes just a few minutes at any Kroger store or online. With every swipe, you earn points that translate to fuel discounts—often up to $1 off per gallon at Kroger Fuel Centers. The savings don’t stop there. Members also receive personalized coupons, exclusive digital deals, and occasional free product offers loaded directly to their account. If you’re already shopping at Kroger, the Plus Card pays for itself in no time.
2. Target Circle
Target Circle is another loyalty program that gives real rewards back with minimal effort. Every purchase at Target earns you 1% back, which you can redeem on future visits. Members also get access to personalized deals, birthday discounts, and early access to special sales. The best part? You don’t need a credit card—just sign up online or in the Target app. Target Circle also lets you support local nonprofits each time you shop, giving you another reason to join. If you’re a regular Target shopper, this program can add up to real savings fast.
3. Walgreens myWalgreens
Walgreens’ myWalgreens program is built for convenience and value. Members earn 1% Walgreens Cash rewards on almost every purchase, and 5% on Walgreens-branded products. These rewards can be redeemed as cash discounts on future purchases, making it easy to see the value add up. The program also features paperless coupons, health challenges, and same-day pickup for online orders. MyWalgreens is easy to join and doesn’t require a membership fee, so there’s no downside to signing up. For pharmacy and household essentials, it’s one of the best loyalty programs that gives real rewards back.
4. CVS ExtraCare
CVS ExtraCare is a classic rewards program that provides practical savings right at checkout. Members earn 2% back in ExtraBucks Rewards on most purchases, which can be used just like cash in-store or online. ExtraCare also includes exclusive coupons, birthday rewards, and special offers through the CVS app. If you fill prescriptions at CVS, you can link your ExtraCare account for even more perks. With regular promotions and a straightforward rewards system, CVS makes it easy to get real rewards back on everything from snacks to toiletries.
5. Safeway for U
Safeway for U is designed to reward loyal shoppers with personalized deals and points that add up quickly. Every dollar spent earns you points, which can be redeemed for discounts on groceries or fuel. One standout feature: digital coupons tailored to your shopping habits, making it easy to save on the products you buy most. Members also get a free item every month and a birthday treat. Since the program is free and simple to use, it’s a great way to get real rewards back on your grocery runs. Check out Safeway for U details to see how the points and perks stack up for you.
6. Walmart Rewards
Walmart Rewards is a newer entrant, but it’s quickly become a favorite for those looking to maximize savings. When you pay with the Walmart app or Walmart Pay, you earn rewards on select items marked “Rewards eligible.” These rewards accumulate and can be applied to future purchases, reducing your grocery bill right at checkout. Walmart also offers exclusive promotions and bonus rewards throughout the year. The program is free, and you can join by simply creating a Walmart.com account. For everyday essentials, this is one of the loyalty programs that gives real rewards back without any hassle.
How to Make the Most of Loyalty Programs
Signing up for loyalty programs that give real rewards back is just the first step. To truly benefit, remember to use your membership every time you shop and keep an eye out for bonus events or digital coupons. Stack your loyalty rewards with manufacturer coupons for even bigger savings. Many grocery loyalty programs also offer apps, making it easy to track points, load coupons, and redeem offers on the go. Don’t forget to check your email for personalized deals and free product offers that can boost your savings even more.
To maximize your savings, consider joining multiple programs. Each store’s rewards system is different, so combining them can help you get real rewards back on a wider variety of purchases.
Are you using any of these loyalty programs that give real rewards back? Which ones have helped you save the most? Share your experiences below!
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