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?

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.