I have a Kroger rewards card, but I also have a cash back credit card that offers 3% cash back on grocery purchases. Which card should I use when I pay for my next grocery trip?

Answered on July 05, 2016
Updated on July 05, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
If your grocery rewards card is actually a customer loyalty card, rather than a credit card, then the answer is that you can probably use both cards next time you belly up to the grocery register counter. Using store loyalty cards that earn you points and discounts, and then using a credit card that gives you cash back is sometimes called double dipping. The great thing about double dipping is that it's completely fine to do – there are no rules against it at all. It's just a great way of maximizing your rewards. So, if your credit card gives you three percent cash back, and your grocery rewards card gives you a discount on many of the items you're buying, you'll really be raking in the savings. It's a smart move to utilize every payment and discount card you have, all on the same purchase if possible.
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User Comments about This Question


Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

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There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.