When you’re standing at the grocery store checkout, you’re likely thinking about whether you grabbed everything on your list—not whether you’re about to miss out on free money. But with one simple swap, you could earn cashback instantly on your total grocery bill without needing to wait for a credit card statement or clip a single coupon.

Here’s how it works: instead of paying with your usual card or cash, use a digital gift card purchased through a cashback platform like Fluz. These gift cards are available in real time and can be bought for the exact total due at checkout, down to the cent.

This method works both in-store and online, making it a flexible solution for everyday grocery shoppers.

How digital gift card cashback works at checkout

When shopping at a grocery store that’s a participating Fluz merchant, you can open the app, type in the store name, and purchase a gift card on the spot. Let’s say your total is $75.13—Fluz lets you enter that exact amount, pay, and immediately receive a gift card code to scan or input.

Here’s what happens behind the scenes:

• You buy the digital gift card through Fluz

• The card is delivered instantly with a scannable barcode or code

• You apply it at the register or during online checkout

• You earn cashback (usually a flat percentage) instantly credited to your Fluz account

Some of the most popular grocery stores supported on Fluz include:

• H-E-B gift card cashback

• BJ’s Wholesale gift card savings

• CVS gift card rewards (for groceries, snacks, and household items)

This setup is especially useful for households on a budget. If you’re already tracking your spending and sticking to a grocery plan, this extra cashback just stretches your money further without adding complexity.

Why this works better than traditional cashback methods

Traditional credit card cashback typically takes 30–90 days to post and usually earns you around 1%–2%—often with restrictions. With Fluz, you see your cashback instantly and often at higher rates depending on the store. For example, if you earn 3% back on a $100 grocery gift card, that’s $3 in your account immediately.

Plus, Fluz lets you stack savings:

• Combine your Fluz gift card with store loyalty programs like Albertsons for U or Kroger Boost

• Use digital coupons from the store’s app

• Time purchases with weekly circular deals

You’re already spending the money—Fluz just makes it work harder.

What to know before getting started

Using digital gift cards as a payment method is seamless, but it helps to keep a few things in mind:

• Not every grocery store supports gift cards through Fluz, so check availability in the app beforehand

• You must have a Fluz account set up to purchase a card

• Some stores may require manual entry of the gift card code during checkout if no barcode scanner is available

For most users, these steps become second nature after the first use. And because Fluz works at the moment of payment, you’re never stuck with unused balances—just buy what you need when you need it.

Start saving on your grocery runs

Whether you’re shopping for your family’s weekly meals or grabbing a few essentials, using a digital gift card from Fluz is a smart and simple way to earn cashback on your grocery spending.

You can download Fluz to get started and check which grocery merchants are currently offering cashback.