Discount stores already offer some of the lowest prices on groceries, home goods, and household essentials—but savvy shoppers know there’s still room to lower the bill even more. One of the easiest ways to double down on your savings is by combining discount gift cards with cashback apps and loyalty programs. This strategy takes a few extra steps, but the return is worth it.
Here’s how to get started, whether you’re shopping in-store or online.
Use Discount Gift Cards to Pay Less Upfront
Discount gift cards are digital or physical cards sold below face value. For example, you might pay $95 for a $100 card to your favorite discount retailer. Sites like Raise, Gift Card Granny, and cash rewards platforms like Fluz allow shoppers to access these savings instantly.
With Fluz, you can buy gift cards for specific amounts at the register, meaning you’re never stuck with leftover balances. Better yet, you can earn cashback with a CVS gift card or get rewards with a BJ’s Wholesale Club gift card just by paying through the app.
Stack Gift Cards with Store Coupons and Digital Offers
Gift cards don’t interfere with other savings. That means you can still use manufacturer coupons, store-specific promotions, or digital deals from apps like Ibotta and Rakuten on top of your discounted payment. For example, if Dollar General offers a $5 off $25 promotion, you can hit that threshold using a prepaid gift card and still apply the deal.
This makes stacking easier for retailers like:
- CVS Pharmacy
- BJ’s Wholesale Club
- Dollar General
- Office Depot
- Family Dollar
Look for each store’s coupon center or app, and pair the offers with a discounted gift card for maximum impact.
Watch for Instant Cashback Opportunities
Fluz stands out by offering cashback at the point of purchase, not after the fact. You can buy a BJ’s Restaurants gift card with cashback seconds before placing your order and redeem it right away. This reduces your wait time and ensures you’re getting a real discount on the spot.
You’ll also find opportunities to earn cashback with an Office Depot gift card, especially if you’re stocking up on school or home office supplies.
Combine Loyalty Rewards with Cashback Gift Cards
Don’t forget about store loyalty programs. Many discount retailers offer point systems, member-exclusive pricing, or receipt-based rewards. When you earn cashback with a CVS gift card and scan your ExtraCare card, you’re essentially doubling your benefit—getting both money back and points toward future discounts.
It’s a simple but powerful way to save more over time, especially if you frequent the same stores each week.
Final Tip: Use Apps That Let You Pay on the Spot
Not all cashback apps work in real-time, but Fluz does. That’s why it’s useful for last-minute shopping, takeout, and unplanned errands. If you’re picking up party supplies at BJ’s or grabbing school supplies at Office Depot, you can buy a gift card for the exact amount due at checkout—then instantly use it to pay.
Ready to maximize your savings strategy? Try combining discounted gift cards, cashback apps, and store coupons the next time you shop. Even a few dollars saved per trip adds up over time.
