If you’re only using one discount method at the grocery store, you’re probably leaving money on the table. The smartest shoppers know how to combine multiple savings tools—like digital coupons, store rewards, and cashback platforms—to maximize every purchase.

This guide walks you through how to stack digital coupons and cashback in a way that’s simple, effective, and fully compatible with the way you already shop.

Step 1: Clip digital coupons in your store’s app

Most grocery stores now offer digital coupon clipping through their mobile apps or websites. Once added to your account, these coupons automatically apply when your store loyalty number or barcode is scanned at checkout.

Examples of popular programs include:

• Kroger Boost

• Albertsons for U

• Safeway for U

Digital coupons often offer bigger discounts than printed ones, especially for store-brand items and fresh produce.

Step 2: Use cashback apps that work in tandem

Next, layer in a cashback platform like Ibotta, Rakuten, or Fluz. These apps let you earn back a percentage of your grocery spend or offer product-specific rewards when you meet certain conditions.

For example:

• Ibotta lets you activate offers and upload a receipt (or link a loyalty account)

• Rakuten offers cashback for online grocery purchases from retailers like Walmart or Sam’s Club

• Fluz gives you instant cashback when you buy a digital gift card for your grocery purchase

Some of the top grocery cashback opportunities through Fluz include:

• H-E-B gift card cashback

• BJ’s Wholesale gift card savings

• CVS gift card rewards

Step 3: Stack everything at checkout

Here’s how to make all these elements work together in a single grocery trip:

1. Clip digital coupons in your store’s app before shopping

2. Activate any relevant cashback offers in your Ibotta or Rakuten account

3. Use Fluz to buy a digital gift card for the exact amount of your purchase

4. At checkout, scan your store loyalty barcode to apply coupons

5. Pay using your Fluz gift card to receive instant cashback

6. If needed, upload your receipt to Ibotta for additional savings

With this system, you’re hitting every savings angle: coupon discounts, store pricing deals, and cashback through one or more apps.

Step 4: Look for limited-time boosts and app bonuses

Many cashback apps (especially Fluz and Ibotta) offer seasonal or promotional bonuses, such as increased cashback rates or extra earnings for redeeming multiple offers. Keep an eye out for these—especially during holidays or major sale events like back-to-school season.

If you’re a consistent user, you’ll also unlock loyalty perks within the apps, like personalized bonuses and tiered rewards.

Why this works better than relying on one tool

Coupons alone can’t give you cashback. Cashback apps don’t lower your price at the register. But together, they create a layered savings system that multiplies your return with minimal effort.

It’s also flexible—whether you shop online, in-store, or with a mix of both.

Get started today

To start stacking savings, download the apps you’ll use most. You can join Fluz to begin using gift cards that unlock cashback the moment you check out. Combine that with your favorite store app and cashback programs like Rakuten or Ibotta, and your grocery bill will start working in your favor.