Best Cash Back Cards for Grocery Shopping in December 2017

groceries_lg

Shopping for groceries can be a painful experience. There are numerous aisles, thousands of items and long checkout lines to contend with. Then there’s one more blow: watching the dollars add up at the register.

But signing up for a solid cashback credit card can be a good way to earn a percentage of your grocery purchases back and take some of the sting out of that shopping trip.

Here are the best cashback cards for grocery shopping.

[card.bt.381.card_name]

Blue Cash Everyday® Card from American Express

Annual fee

$0

Cashback Rate

3% at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations & select U.S. department stores, 1% on other purchases

APR

13.99%-24.99%

Variable

APPLY NOW Secured

on American Express’s secure website

Terms Apply

Rates & Fees

The [card.bt.381.card_name], offers 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) with a $[card.bt.381.card_annual_fee_for_firstyear] annual fee. This is a great rate for habitual shoppers so long as you spend up to $3,167 a year at supermarkets. If you spend more than that, then you might be better off with the [card.bt.695.card_name], which comes with a $[card.bt.695.card_annual_fee_for_firstyear] annual fee but higher cashback potential.

In addition to a high cash back rate on groceries, you earn 2% cash back at U.S. gas stations and select U.S. department stores, and 1% on other purchases. The Welcome Offer of a $[card.bt.381.card_spendget_intro_bonus_amt] statement credit after you spend $[card.bt.381.card_spendget_spend_amt_req_to_get_bonus] in purchases on your new Card within the first [card.bt.381.card_spendget_spend_amt_req_howmany_month] months is a good way to maximize your rewards.

[card.bt.695.card_name]

Blue Cash Preferred® Card from American Express

Annual fee

$95

Cashback Rate

6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations and select U.S. department stores, 1% on other purchases

APR

13.99%-24.99%

Variable

APPLY NOW Secured

on American Express’s secure website

Terms Apply

Rates & Fees

The [card.bt.695.card_name] offers the highest cashback rate for big grocery spenders — 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). This card does come with a $[card.bt.695.card_annual_fee_for_firstyear] annual fee and you need to spend $1,584 a year on groceries to break even. If you spend $3,167 a year ($264 a month) or more on groceries you will benefit from this card more than the [card.bt.381.card_name]. You’ll also earn a high 3% cash back at U.S. gas stations and select U.S. department stores and 1% back on other purchases. There’s an added Welcome Offer: $[card.bt.695.card_spendget_intro_bonus_amt] statement credit after you spend $[card.bt.695.card_spendget_spend_amt_req_to_get_bonus] in purchases on your new Card within the first [card.bt.695.card_spendget_spend_amt_req_howmany_month] months.

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Annual fee

$0

Cashback Rate

1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

APR

13.99%-23.99%

APPLY NOW Secured

on Bank Of America’s secure website

The Bank of America® Cash Rewards card offers a decent cashback rate for groceries, however it is lower than what you’ll find with competing cards. You’ll earn 2% cash back at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. All other spending will earn 1%. There is no annual fee and you can redeem your cash back directly into a Bank of America checking or saving account for a 10% bonus. People who will benefit most from this card are those who are Bank of America Preferred Rewards clients. As a Preferred Rewards client, you could increase your bonus to 25-75%, making your grocery cash back an effective 2.5-3.5%. If you apply online and spend $500 in the first 90 days, you also receive a $150 online cash rewards bonus.

Huntington Voice Credit Card®

Huntington Voice Credit Card®

Annual fee

$0 For First Year

$0 Ongoing

Rewards

3X points in one of 13 categories (capped at $2,000 each quarter or 6000 points), and all other purchases earn 1X points

APR

13.99%-26.99%

APPLY NOW Secured

on Huntington Bancshares’s secure website

The Huntington Voice Credit Card® has no annual fee and earns you 3X points in one of 13 categories. Simply choose to earn 3X points at grocery stores once you open your account. The rewards you earn at the 3X rate are capped at $2,000 each quarter or 6000 points, with all other purchases earning 1X points. You also have the freedom to change your 3X category every quarter to suit your spending. But be aware that if you switch from grocery stores to another category, you’ll only earn 1X points on grocery spending. Points can be redeemed for cash and 1 point equals $0.01, therefore 5,000 points is equal to $50 cash rewards.

Which card is the right fit for me?

With numerous credit cards available to help maximize your grocery rewards, it can be confusing to know which to choose. Some cards provide unlimited rewards at a high rate, while most have caps on grocery spending.

The table below breaks down which grocery card may be a good fit for you when factoring in annual grocery spending, cashback rate and annual fee. (Sign-on bonuses are not reflected.) Keep in mind: This only factors in spending on grocery purchases and doesn’t consider if you
spend in other categories or at the other cashback rates.

Here are a few key takeaways:

  • If you spend about $3,000 a year on groceries, you will benefit more from the [card.bt.381.card_name] or the Huntington Voice Credit Card®.
  • If you spend more than $4,000 a year, you will benefit more from the [card.bt.695.card_name].
  • The Bank of America® Cash Rewards Credit Card earns you subpar cash back unless you have $100,000 in a Bank of America checking or savings account.
  

Card

Huntington Voice Credit Card®

Blue Cash Everyday® Card from American Express

Blue Cash Preferred® Card from American Express

Bank of America® Cash Rewards Credit Card: without BofA checking/
savings

Bank of America® Cash Rewards Credit Card: with $100,000 in BofA checking/
savings

Spending

$1,000

$30

$30

-$35

$20

$35

$2,000

$60

$60

$25

$40

$70

$3,000

$90

$90

$85

$60

$105

$4,000

$120

$120

$145

$80

$140

$5,000

$150

$150

$205

$100

$175

$6,000

$180

$180

$265

$120

$210

$7,000

$210

$190

$275

$140

$245

$8,000

$240

$200

$285

$160

$280

$9,000

$250

$210

$295

$180

$315

$10,000

$260

$220

$305

$200

$350

The post Best Cash Back Cards for Grocery Shopping in December 2017 appeared first on MagnifyMoney.

Grocery Shopping in College: 16 Ways to Save Money

College is even better with the right credit cards. Don't miss out on deals and cash back!

Whether you’re spending your Freshman year in off-campus housing or you just left a dorm—and meal plan—behind, one big change is on the horizon this school year: you need to make food for yourself with your own kitchen, two hands, and brain. And that means besides making time in your busy schedule to cook, you’ll also have to budget for the shopping as well, which can be tough on a college student income.

While it might seem overwhelming to feed and shop for yourself, you’ve totally got this. Let us help you put your money worries to rest with these grocery shopping tips. (Unfortunately, you’ll have to go somewhere else for help with calculus.)

1. Check Student-Friendly Stores

The easiest way to save money while shopping is to frequent local markets that offer student discounts. Usually, stores close to campus know they’ll get more customers if they offer a 5%–10% discount for those with university ID cards. Buying your weekly groceries from these shops at a discounted price is perfect for sticking to your budget.

2. Buy Generic or Store Brand Products

Most supermarket chains offer generic packaged products. These store brand products are usually cheaper than brand name products, even though they’re virtually the same. To save some cash, switch to store brand whenever possible.

3. Shop (Mostly) Vegetarian

Besides being bad for the environment, meat is pretty expensive. So whether you plan for Meatless Mondays or go completely vegetarian, you’ll definitely save money. And if you do buy a little meat, avoid steak and expensive seafood entirely, as those purchases will take up a lot of your budget.

4. Buy Frozen Vegetables

Perusing the produce section might be fun, but buying frozen vegetables is often the best way to go. Bags of frozen veggies are cheap, and as a busy student, you’ll save time by not having to chop and prep anything. Frozen vegetables still have lots of nutrients, so you can easily eat healthy with minimal effort.

5. Plan Your Meals (and Stick to That Plan)

One of the most important things you should do before grocery shopping is plan out your meals for the week. A meal plan will help you stay on track and (hopefully) under budget when shopping because you’ll know exactly what you need. You can save a lot of money—and start to drop that Freshman 15—by skipping over those impulse buys like Cheez-Its and Oreos.

6. Use Coupons—Seriously

While it might seem silly to pick up a newspaper or coupon booklet, you should make the effort to clip coupons before shopping. You can plan your meals around items that are on sale, and you might even end up trying a new food or recipe. The cents and dollars you save will really add up. Plus, even if you’re against wasting paper or money on newspapers, you can still find plenty of coupons online.

7. Save Money on Bags

Some states have implemented bag taxes to reduce waste, meaning plastic bags at the grocery store cost money. Bring your own bag (any free bag from a college club will do) to both save the environment and save money. Those few cents would make a dent in your wallet after a few weeks.

8. Eat Before You Shop

Studies indicate that being hungry while looking at food only leads to greater perceived hunger—which could lead to more impulsive thoughts about food. Make sure to grab a snack at home or have a friend grab you something from the dining hall before you head to the store. That way, you can avoid spending more on things that excite your hungry stomach.

9. Use Technology to Your Advantage

These days, there’s an app for everything. Grocery shopping is no different. As a tech-savvy college student, you can easily download several apps that help you keep track of your pantry’s inventory, budget effectively, or eat healthier. There are quite a few different apps out there, so give several a try to find out which ones make your shopping experience easier.

10. Don’t Waste Anything

Along similar lines, you should use Supercook.com to turn whatever’s left in your fridge and pantry into a meal. All you have to do is plug in what you have, and then your edible odds and ends can be used instead of thrown away. It’s easier than you’d expect to make food—even older food—taste good.

11. Check Out the Dollar Store

Surprisingly enough, you can actually find plenty of affordable groceries at the dollar store. If there’s one near campus, make sure to frequent it to get great deals on basic necessities like bread, milk, and peanut butter. If there isn’t a dollar store nearby, make a trip every once in a while to stock up on shelf-stable food items like pasta or canned goods.

12. Shop Alone

Going shopping with friends can be fun, but shopping on a budget is not a social activity. If you’re serious about saving some cash, hang out with your friends another time. Shopping with others will increase the number of unplanned purchases you make, whether that’s desserts, extra snacks, or weird produce they want you to try on a dare.

13. Buy What’s in Season

Produce that’s out of season can be unreasonably expensive, so you might not want to buy strawberries year-round. Instead, check out the USDA’s website to see when your favorite produce buys are in season.

14. Freeze Anything and Everything

Yogurt, bread, vegetables, tomato sauce, you name it—almost everything lasts longer when you throw it in the freezer. Freezing leftovers from meals works great, too. Put some individual servings in the freezer to eat when you have to cram instead of cook.

15. Be Alert at the Cash Register

Make sure all the sale items you purchase are sold to you at the correct price. Be attentive when you’re checking out, and don’t be embarrassed to ask questions. After all, everyone knows college students work with slim budgets. If a can of beans or a bag of frozen chicken rings up incorrectly, simply ask the cashier to double check the price.

16. Avoid Perishable Bulk Item Deals

While some deals might seem really tempting, it’s not worth it for a college student with limited space and money to buy four gallons of milk, 10 pineapples, or seven cucumbers just to get a cheaper price per unit. The food will definitely go bad before you use it up, and then you didn’t really save money at all. If you want to buy in bulk, opt for nonperishable items like oats or rice.

If you’ve used all these steps and are still worried about your food budget each month, a credit card—used responsibly—could be the answer. Many cards offer rewards for groceries, which could help you earn a bit of cash back on purchases you’d make anyway. Read our guide on Credit Cards for Students, and don’t forget to check your credit report for free at Credit.com before applying.

Image: Mixmike

The post Grocery Shopping in College: 16 Ways to Save Money appeared first on Credit.com.

Grocery Shopping in College: 16 Ways to Save Money

College is even better with the right credit cards. Don't miss out on deals and cash back!

Whether you’re spending your Freshman year in off-campus housing or you just left a dorm—and meal plan—behind, one big change is on the horizon this school year: you need to make food for yourself with your own kitchen, two hands, and brain. And that means besides making time in your busy schedule to cook, you’ll also have to budget for the shopping as well, which can be tough on a college student income.

While it might seem overwhelming to feed and shop for yourself, you’ve totally got this. Let us help you put your money worries to rest with these grocery shopping tips. (Unfortunately, you’ll have to go somewhere else for help with calculus.)

1. Check Student-Friendly Stores

The easiest way to save money while shopping is to frequent local markets that offer student discounts. Usually, stores close to campus know they’ll get more customers if they offer a 5%–10% discount for those with university ID cards. Buying your weekly groceries from these shops at a discounted price is perfect for sticking to your budget.

2. Buy Generic or Store Brand Products

Most supermarket chains offer generic packaged products. These store brand products are usually cheaper than brand name products, even though they’re virtually the same. To save some cash, switch to store brand whenever possible.

3. Shop (Mostly) Vegetarian

Besides being bad for the environment, meat is pretty expensive. So whether you plan for Meatless Mondays or go completely vegetarian, you’ll definitely save money. And if you do buy a little meat, avoid steak and expensive seafood entirely, as those purchases will take up a lot of your budget.

4. Buy Frozen Vegetables

Perusing the produce section might be fun, but buying frozen vegetables is often the best way to go. Bags of frozen veggies are cheap, and as a busy student, you’ll save time by not having to chop and prep anything. Frozen vegetables still have lots of nutrients, so you can easily eat healthy with minimal effort.

5. Plan Your Meals (and Stick to That Plan)

One of the most important things you should do before grocery shopping is plan out your meals for the week. A meal plan will help you stay on track and (hopefully) under budget when shopping because you’ll know exactly what you need. You can save a lot of money—and start to drop that Freshman 15—by skipping over those impulse buys like Cheez-Its and Oreos.

6. Use Coupons—Seriously

While it might seem silly to pick up a newspaper or coupon booklet, you should make the effort to clip coupons before shopping. You can plan your meals around items that are on sale, and you might even end up trying a new food or recipe. The cents and dollars you save will really add up. Plus, even if you’re against wasting paper or money on newspapers, you can still find plenty of coupons online.

7. Save Money on Bags

Some states have implemented bag taxes to reduce waste, meaning plastic bags at the grocery store cost money. Bring your own bag (any free bag from a college club will do) to both save the environment and save money. Those few cents would make a dent in your wallet after a few weeks.

8. Eat Before You Shop

Studies indicate that being hungry while looking at food only leads to greater perceived hunger—which could lead to more impulsive thoughts about food. Make sure to grab a snack at home or have a friend grab you something from the dining hall before you head to the store. That way, you can avoid spending more on things that excite your hungry stomach.

9. Use Technology to Your Advantage

These days, there’s an app for everything. Grocery shopping is no different. As a tech-savvy college student, you can easily download several apps that help you keep track of your pantry’s inventory, budget effectively, or eat healthier. There are quite a few different apps out there, so give several a try to find out which ones make your shopping experience easier.

10. Don’t Waste Anything

Along similar lines, you should use Supercook.com to turn whatever’s left in your fridge and pantry into a meal. All you have to do is plug in what you have, and then your edible odds and ends can be used instead of thrown away. It’s easier than you’d expect to make food—even older food—taste good.

11. Check Out the Dollar Store

Surprisingly enough, you can actually find plenty of affordable groceries at the dollar store. If there’s one near campus, make sure to frequent it to get great deals on basic necessities like bread, milk, and peanut butter. If there isn’t a dollar store nearby, make a trip every once in a while to stock up on shelf-stable food items like pasta or canned goods.

12. Shop Alone

Going shopping with friends can be fun, but shopping on a budget is not a social activity. If you’re serious about saving some cash, hang out with your friends another time. Shopping with others will increase the number of unplanned purchases you make, whether that’s desserts, extra snacks, or weird produce they want you to try on a dare.

13. Buy What’s in Season

Produce that’s out of season can be unreasonably expensive, so you might not want to buy strawberries year-round. Instead, check out the USDA’s website to see when your favorite produce buys are in season.

14. Freeze Anything and Everything

Yogurt, bread, vegetables, tomato sauce, you name it—almost everything lasts longer when you throw it in the freezer. Freezing leftovers from meals works great, too. Put some individual servings in the freezer to eat when you have to cram instead of cook.

15. Be Alert at the Cash Register

Make sure all the sale items you purchase are sold to you at the correct price. Be attentive when you’re checking out, and don’t be embarrassed to ask questions. After all, everyone knows college students work with slim budgets. If a can of beans or a bag of frozen chicken rings up incorrectly, simply ask the cashier to double check the price.

16. Avoid Perishable Bulk Item Deals

While some deals might seem really tempting, it’s not worth it for a college student with limited space and money to buy four gallons of milk, 10 pineapples, or seven cucumbers just to get a cheaper price per unit. The food will definitely go bad before you use it up, and then you didn’t really save money at all. If you want to buy in bulk, opt for nonperishable items like oats or rice.

If you’ve used all these steps and are still worried about your food budget each month, a credit card—used responsibly—could be the answer. Many cards offer rewards for groceries, which could help you earn a bit of cash back on purchases you’d make anyway. Read our guide on Credit Cards for Students, and don’t forget to check your credit report for free at Credit.com before applying.

Image: Mixmike

The post Grocery Shopping in College: 16 Ways to Save Money appeared first on Credit.com.

4 Credit Cards for At-Home Gourmet Chefs

Gourmet chefs who love cooking elevated cuisine at home should consider these money-saving credit cards that offer great food-related rewards.

[DISCLOSURE: Cards from our partners are mentioned below.]

Cooking at home is a way to hone your skills and try new dishes without having to shell out big bucks at a fancy restaurant. When making gourmet cuisine from the comfort of your own home, there are plenty of ways to save money on quality ingredients. Cooking every day can end up being expensive, especially if you’re making food that’s organic or exotic.

All of your grocery shopping and driving expenses can add up, so if you’re someone who loves to cook elevated food at home, you’ll want a credit card that rewards you for your spending. Read on for our picks for the best credit cards for at-home gourmet chefs. (If you plan to apply, be sure your credit score is high enough to qualify. You can check two of your scores for free on Credit.com.)

1. Blue Cash Preferred Card from American Express

Rewards: 6% cash back at the supermarket on up to $6,000 of purchases per year. Any purchases over your $6,000 limit will still earn you 1% cash back. Additionally, there are 3% cash back rewards on gas.
Signup Bonus: $150 statement credit after spending $1,000 on your new card within the first three months.
Annual Fee: $95
Annual Percentage Rate (APR): 0% intro APR on purchases and balance transfers for a year, and then variable 13.99% to 24.99%.
Why We Picked It: The rewards are excellent and the APR can be relatively low, depending on your creditworthiness.
For Gourmet Chefs: This card is perfect for someone who spends ample time grocery shopping and cooking to their heart’s desire. The gas rewards are great if you’re someone who loves to scour faraway, specialty markets for the most authentic tahini paste.
Drawbacks: If you prefer to shop for ingredients online instead of spending at supermarkets and gas stations, this card won’t hold as much value for you.

2. PenFed Platinum Rewards Visa Signature Card

Rewards: You’ll get 3% back on all supermarket purchases, 5% back on gas purchases and 1% back on all other purchases.
Signup Bonus: $100 statement credit after spending $1,500 in the first 90 days.
Annual Fee: None
Annual Percentage Rate (APR): 0% intro APR on balance transfers for a year, and then variable 9.74% to 17.99%. 9.74% to 19.99% on purchases.
Why We Picked It: The intro APR (for balance transfers) period is long and the rewards are extremely good, plus there’s no annual fee.
For Gourmet Chefs: With all the points you earn, you can redeem rewards like dining gift cards and trips to food destinations, so this card is perfect for any foodie looking to spend on food in order to receive amazing food-related rewards.
Drawbacks: You have to become a member of the Pentagon Federal Credit Union.

3. Chase Freedom

Rewards: 5% cash back on up to $1,500 of purchases per quarter for rotating spending categories, unlimited 1% cash back on everything else.
Signup Bonus: Earn a $150 bonus after you spend $500 in your first three months from account opening. Also earn a $25 bonus after adding an authorized user and making your first purchase within the same three month period.
Annual Fee: None
Annual Percentage Rate (APR): 0% introductory APR for the first 15 months. Then, variable 15.99% to 24.74%.
Why We Picked It: There’s no annual fee and the rotating reward categories are beneficial for those who like to spread out their rewards.
For Gourmet Chefs: The rewards categories vary from gas stations, grocery stores and restaurants so this card is perfect for a chef who likes to explore and try new foods. You’ll get 1% back on cookware and cookbooks, too.
Drawbacks: The APR is relatively high, and you don’t get to pick your own rewards categories. They’re selected each quarter by Chase.

4. Golden 1 Platinum Rewards

Rewards: 3% cash back on gas, grocery and restaurant spending, plus 1% cash back on everything else.
Signup Bonus: None
Annual Fee: None
Annual Percentage Rate (APR): 7.79% to 13.79%.
Why We Picked It: There are solid rewards and low rates, and no annual fee.
For Gourmet Chefs: Considering all the groceries you’ll be buying, you might as well save money while you expand your culinary repertoire at home. Plus, California is a large state — if you find yourself driving great lengths for food then this card is for you.
Drawbacks: You have to live in California to apply for this credit card, and there’s also no introductory APR period.

Image: Peopleimages

At publishing time, the Blue Cash Preferred Card from American Express, PenFed Platinum Rewards Visa Signature Card and Chase Freedom card are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards for At-Home Gourmet Chefs appeared first on Credit.com.

Mochi, Poke, Burgers, and More! How to Take Advantage of the New Options at Whole Foods

If you haven't been inside of Whole Foods lately, you'll be amazed by the new options they're offering — from mochi to fresh juice, they've got everything.

If you haven’t been to a Whole Foods recently, you may be surprised by the changes happening in some of their larger stores. Many stores have changed their look and moved toward a business model that keeps customers in the store longer whether they’re eating, hanging out or shopping. Several of the new changes have gotten some attention online, like their mochi station and wine bar. (These updated Whole Foods features aren’t in every store, so check your local Whole Foods store to see which perks are available.) Here’s a look at some of these new features.

Do-It-Yourself Food Stations

Mochi Bar

This newest addition to Whole Foods has gone viral on Instagram and Facebook. People are obsessed with mochi, a delectable handheld Japanese ice cream. Some Whole Foods stores now have a mochi bar where you can mix and match your favorite flavors of mochi, and take them home in a to-go container.

Trail Mix Station

The bulk section of a grocery store is anything but novel, but Whole Foods takes the personalization factor to the next level. Their new “Make Your Own Trail Mix” station features every trail mix staple imaginable. It’s easy to grab a container and create the trail mix of your dreams.

Bakery

Instead of waiting in line for a busy bakery assistant to help you at a counter, you can now grab a variety of Whole Foods baked goods yourself. From brownies to cookies to doughnuts, you can pick up whatever you want.

Gelato Counter

At Whole Foods, an employee can serve you smooth, rich gelato made in-house daily. This creamy treat will keep you happy as you peruse the rest of the store’s pickings. Gelato flavors include banana pudding, double dutch chocolate, pomegranate, and more. They also have vegan options such as berry sorbets.

In-Store Restaurants

Custom Poke Bowls

Poke, raw fish salad hailing from Hawaii, is a big food craze right now. The salad can be light and healthy depending on which toppings you add. Whole Foods sells custom Poke bowls, so essentially you choose your fish, sauce and toppings and an employee prepares it for you. A bowl costs $9 to $14 depending on the ingredients.

Diner

You don’t need to leave Whole Foods to find a diner with a classic, old-timey feel. With the exception of booth seating with red upholstery, this diner has much of the fare you’d expect. They have milkshakes and any type of burger you could want — including a vegan option. Some locations also offer poutine, a Canadian staple made of french fries, cheese curds and gravy.

Smokehouse

If you’re a meat lover, you’ll appreciate the new Smokehouse addition to Whole Foods stores. They have classic barbecue picks as well as rotisserie options, so there’s something for everyone. Their almost life-changing brisket burnt ends are must-tries. (While you’re at it, check out 50 things you must eat before you die!)

Taqueria

If you live in or near El Segundo, California you’re lucky enough to have the Korean-Mexican fusion spot, Kogi Taqueria, inside your Whole Foods Store store. Their specialties include short rib tacos, kimchi quesadillas, and classic burritos. They also have Korean hot wings. Outside of El Segundo, several stores have traditional taquerias with classic rice, beans, and other authentic Mexican picks.

Pizzeria

The smell of fresh pizza is always enticing, so the Whole Foods pizzeria definitely wins with their pies featuring delicious toppings. You can order your favorite pizza by the slice or a whole pizza to go. The pizza is made fresh.

Juice Bar

Whole Foods focuses on promoting a healthy lifestyle, so the addition of a juice bar aligns with their brand. You can choose a juice from their menu that’s made to order, or buy premade options for a cleansing experience or quick snack.

Wine Bar

If you want the advice of a sommelier without having to fly to France or Napa, look no further than your neighborhood Whole Foods. After scouring the wine selection, you can pick a wine and pour a few glasses to enjoy in the store before bringing the rest of the bottle home. Don’t want the whole bottle? You can also order a glass or two per recommendation of the staff. They also have charcuterie boards and cheese plates to accompany your wine choices.

And More!

Some of the larger Whole Foods stores also have Allegro Coffee Bars, cocktail bars, ramen stations, and more. If you live near one of these deluxe Whole Foods stores, be sure to explore those options even we haven’t tried yet. (And, while you’re there, remember to stick to your budget!)

Natural Skin Care

Whole Foods is primarily a grocery store, but they sell more than food. Some stores offer clothing and bags made of natural materials. Whole Foods holds its skin care products to high standards. On the Whole Foods website there’s a list of more than 75 ingredients that aren’t allowed in the skin care products they sell. Most of what they sell is plant-based and natural, which appealing to anyone trying to lead a more organic lifestyle. Whole Foods doesn’t support products tested on animals and they even feature numerous vegan product lines. The products they sell vary from makeup to hair care to facial and body soaps.

Cooking Classes

While some Whole Foods stores have had cooking classes for a while, several stores have recently started hosting classes. Their classes are aimed at beginner or intermediate home cooks, and some are even open to teenagers. If you love shopping at Whole Foods but don’t know how to cook many dishes, these classes are perfect, as they feature ingredients from the store and focus on easy-to-replicate dishes. You can also save on the ingredients by using our tips for saving money at Whole Foods. Good luck becoming a master of local, organic cuisine!

When shopping at Whole Foods and indulging in all of these fun perks, remember to stay on budget! There are a lot of great rewards credit cards that give you cash back when spending on groceries. These cards often require decent credit, so before applying check your credit score to see if you qualify. You can get two credit scores for free at Credit.com.

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6 Ways to Stop Blowing Your Grocery Budget

Saving money on groceries doesn't need to be difficult and it doesn't always mean cutting back.

If you’re like many Americans, a large chunk of your budget is spent on food — maybe 10% or more. Percentagewise, we spend less on food than we did in the ‘60s, but 10% is not an insignificant portion of your income.That’s why so many money-saving articles focus on groceries as a great place to cut back on spending.

And the truth is that grocery spending is so variable. You could spend $200 per month to feed your family of four, or you could easily spend more than $1,000. With all that variability, it can be easy to blow your budget for groceries. If you find that you’re consistently spending more than you’ve budgeted for groceries, following these tips can help with saving money:

1. Figure out If Your Budget Is Even Reasonable

One issue might be that you have an unreasonably small grocery budget. Maybe your budget is inspired by a few articles from Pinterest about feeding a family of seven for a mere $250 per month. Let’s get real, though. Those families (often the moms!) spend hours meal planning, cooking from scratch, clipping coupons and driving to various grocery stores to snag the best deal.

Their results are amazing but that amount of effort isn’t feasible for everyone. As a working mom in a two-income family, there’s no way I can spend that much time saving money on food.

So if you’ve budgeted $150 per month to spend on groceries, maybe that’s not enough. Here’s how to find out:

a. Break Down Your Spending by Category

First, dig out your grocery store receipts from the past several weeks. If you don’t usually keep receipts, make a point to save them from your next few shopping trips. Shop as you normally would for those trips.

Then, break down your grocery spending by category. For instance, you might divide it into meat, dairy, breads and grains, premade items, veggies and fruits, etc. If you purchase items like cleaning products, cosmetics or toilet paper during your grocery shopping trips, divide those into a separate category as well. Remove everything that’s not actually grocery store spending from this category. Fast food and restaurant spending should be dealt with separately.

Once you’ve got your categories, add up what you spent in each category over the course of a month. This may not be a true average, but it’s a starting place.

b. Set a Reasonable Budget

Finally, you can see what you actually spend on food groceries. Now it’s time to see if that budget is reasonable. A good place to start is with the USDA Food Plans, which average the cost of cooking at home each month. In May 2017, the USDA thrifty plan for a family of four was $561 per month. The liberal plan for a family of four was $1,097 per month.

If your food spending is close to the thrifty end of things, maybe you’re actually not spending too much on food. Maybe you’re just setting your budget too low. But if you’re coming out on the high end of food spending — or if you want to outdo the USDA — use the following steps to trim your spending.

2. Look for Savings in Your Highest Spending Categories

Since you’ve got your spending categorized, you can easily find out where you spent the most money. For instance, if you’re consistently spending half your food budget on meat, it’s time to start cutting back there — perhaps by eating meatless meals a few times a week. Or maybe you’re spending a bunch of money on prepared meals that you could make much more cheaply at home.

Once you know where you spend the most, you can target that category for reducing spending. Some options include clipping coupons for items in that category, shopping manager’s specials, or simply cutting back on eating those types of foods.

3. Look Into Different Local Grocery Stores

There’s a reason Whole Foods is nicknamed “Whole Paycheck.” It’s a great place to find certain specialty items. But if you’re doing all your grocery shopping at high-end stores like these, you will spend more.

Our family saves a fortune just by shopping at Aldi, a discount grocery store that’s becoming more common across the nation. We used to do most of our shopping at a local chain but realized we saved a couple hundred bucks a month just by buying what we can at Aldi.

Chances are you’ve got some cheaper grocery options local to you. For instance, ethnic stores can be a fabulous place to pick up exotic spices and basics like rice and pasta on the cheap. Or you may find that a wholesale store membership saves your family a ton on food staples. Plus, you can use reward credit cards while shopping to earn even more deals. (Before applying, remember that most reward cards require a decent credit score — you can check two of yours for free with Credit.com.)

4. Create a Bank of Easy-Fix Meals

If your family is anything like mine, quick to prepare weeknight meals are a necessity. Without them, you fall back on going out to eat. Pinterest is a great place to find recipes for quick and easy meals that rely on whole, healthy ingredients.

Start trying out these types of meals. If you find a hit, keep the recipe close by. Try to find at least a few of these recipes that use ingredients you tend to keep around.

5. Do Some Freezer Cooking

When you find a great sale on expensive ingredients, pick up extra. Then, double up on your recipe, and put half in the freezer. This is a win-win. You get to save on groceries, and you have a meal ready to go for a busy evening!

For instance, if you find a great deal on ground beef, buy enough to make two lasagnas. Make them both at the same time, and pop one in the freezer. If you get into this habit, you could suddenly find yourself spending less on expensive ingredients, and you’ll have a freezer full of delicious meals to choose from.

6. Cut Back on Waste

How much of your grocery budget goes down the drain the form of wasted food? If you’re like most Americans, it’s a lot!

Start keeping a tally of the foods you throw away after they go bad. Keeping track for a month or two could reveal some interesting information. Maybe you’re over-ambitious when you buy fruits and veggies. You think your family will eat them, but you never get through them all. Or maybe you consistently throw away leftovers. It’s time to freeze those leftovers, pack them for lunch or make smaller servings of your recipes.

Cutting back on waste is an amazing way to save on groceries. Make a point to wait to grocery shop until the fridge is nearly empty. You’ll get more specific with your grocery shopping and more creative with your meal plans.

Even if you’re already saving on groceries, there’s usually room to save more. These tips will help you do just that.

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15 Ways to Save at ShopRite

Whether you hate grocery shopping or find it incredibly relaxing (seriously, some people do), one thing you’re bound to appreciate is saving at the store. If ShopRite is your go-to grocer, try using some of these tips to cut back on what you spend there.

Here are 15 ways to save at ShopRite.

1. Create an Account Online

Sign in to your ShopRite account online to load coupons from their Digital Coupon Center directly onto your Price Plus Club Card (more on that below). You’ll also get access to your past purchases and shopping lists, recipes, a tally of your Price Plus points and more.

2. Join the Price Plus Club

Members of ShopRite’s Price Plus Club get instant cash discounts on hundreds of items throughout the store at checkout, as well as special offers and promotions (like free items around the holidays) and exclusive mailings and offers.

3. Shop the Circulars

Set your home ShopRite location online and gain access to weekly circulars with tons of coupons and savings deals happening right now at your nearest store.

4. Check Out Their Offers & Promotions Page

Every now and then (especially around the holidays), ShopRite will offer additional ways for customers to save through sweepstakes and other contests that often offer gift card prizes. Visit their Offers & Promotions page frequently to see what’s happening.

5. Take Advantage of the SavingStar Program

Join the SavingStar program by setting up an account, then check out the offers page to see what’s available for a discounted price. Click on the offers you like and they’ll get linked directly to your store loyalty card. Use your card at checkout and the savings will be added to your SavingStar account. When you reach $5, you can select which method of payout you’d like.

6. Use a Rewards Credit Card

Some credit cards reward you handsomely for grocery shopping. See American Express’ Blue Cash EveryDay Preferred, which offers a whopping 6% back on up to $6,000 per year at U.S. supermarkets (1% after that), 3% at U.S. gas stations and 1% everywhere else. (Full card review right here.)

Just be sure to pay any balance you put on a cash back credit card off in full — otherwise, you’ll lose those dollars to interest. (You can see how your credit card balances are affecting your credit score by viewing your free credit report summary on Credit.com.)

7. Use ShopRite From Home for Additional Coupon Codes

If it’s available in your area, customers who sign up to use ShopRite from Home can check out the Shop Rite from Home promotions page for access to even more deals, like discounts on delivery, savings on health and wellness products, baby and pet items, etc.

8. Load Up on Manufacturer Coupons

ShopRite will accept these! (You can find its coupon policy here.)

9. Know Your Store’s Double Coupon Policy

While double coupon policies vary by store — you should check your specific store for more details — most Shop Rite stores will double up to four identical coupons per household per day on manufacturer coupons up to $0.99. (Use a nifty little Double Coupon App that you download to your smartphone to determine if your coupons will be doubled or not.)

10. Find the Catalina Machine

Catalina machines are usually located on the side of the register (ask the customer service rep if you aren’t sure if your local ShopRite has one). Most of these deals require you to purchase a certain dollar amount or quantity of product before you can use it on your next purchase, but once you do so the savings can really add up.

11. Stock Up During the ShopRite Can Can Sale

Though this sale only happens once a year (usually in January), it’s worth the wait to stock up on grocery goods, especially non-perishable items, throughout the store when it does.

12. Seek Out the Wall of Values

When you’re in your local ShopRite, make a beeline for the Wall of Values — usually right by the front door near the produce section — for dry goods on discount.

13. Make Use of $10 Deals

If you have the room, $10 Deals help customers save by allowing them to stock up on bulk items for just $10. Be on the lookout for $10 Deal signs.

14. Search Online for More Coupons 

Use sites like Retail Me Not and Coupons.com to find promo codes and coupons for the grocery store.

15. Follow ShopRite on Social Media

The grocery superstore shares all their biggest sale and coupon deals on their Facebook and Twitter sites, so be sure to follow them for the latest offers.

Want more brand hacks? You’re in luck — we’ve got 19 ways to save at Target right here. And, if there’s a brand you’d like us to tackle, shout it out in the comments section. 

At publishing time, the Blue Cash EveryDay Preferred credit card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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Whole Foods Plans to Cut Its ‘Whole Paycheck’ Prices

The days of 16-cent breakfasts may be ending — that is, if Whole Foods makes good on its promise to lower prices.

The days of settling for 16-cent breakfasts may be ending — that is, if Whole Foods makes good on its promise to lower prices.

The Wall Street Journal reported on Sunday that the Texas-based company is taking steps to put its expensive, “whole paycheck” reputation behind it due to pressure from investors who want the organic grocer to behave more like Walmart. However, experts warn shifting to a similar centralized distribution structure could tarnish the brand, which sells locally grown produce.

The company’s in deep water with stakeholder Jana Partners, which wants to see swift operational changes and a reversal of what the Journal described as Whole Foods’ “longest stretch of same-store sales declines since going public in 1992.”

For consumers, that means Whole Foods will be pressed to compete with the likes of Kroger and Albertsons, which have steadily been dipping their toes in the health-conscious market, and that prices will drop.

“Our culture is still very unique,” co-founder John Mackey assured the paper, but the company now has a tall order to mesh its style with big-box performance.

What that will look like in practice remains unclear, though Mackey said the new strategy will make it easier for national brands to pitch at Whole Foods’ Austin, Texas, headquarters, which in turn will enable the company to pass on “tremendous savings” to shoppers. For now, the future of Whole Foods — and its prices — are hazy at best.

How to Save at Whole Foods 

Most Whole Foods shoppers are used to paying a premium for their health-conscious food. But there are ways to save on your groceries when shopping at Whole Foods, as Credit.com contributor Kristy Welsh notes. Here are a few of her tips.

BYOB. Bring your own sack to shop, and Whole Foods will give you up to a 10-cent discount on your purchase. Shop weekly and use five bags each time, and you could save $26 over the course of the year, Welsh said.

Buy What You Need. Don’t hesitate to ask the butcher to take out one of those steaks in the pre-wrapped packet. Or to ask the baker for a half loaf of rye. They’ll do it for you, and the price will be cheaper as a result.

Download the App. With coupons and weekly sales in one place, the Whole Foods app is a handy resource for on-the-go savers. You can also check for upcoming sales.

If all else fails and you still find the price of your groceries too high, a rewards credit card can help you earn points for spending — and there are even some that offer higher rewards when you purchase groceries. Just don’t forget to check your credit before you apply to make sure you’re able to qualify, as these types of cards tend to require you have higher credit scores. You can view two of your credit scores for free on Credit.com.

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How Millennials Are Changing the Grocery Store

Here's why fewer and fewer millennials are going grocery shopping.

Next time you run to the grocery store for bread and milk, you might find yourself staying for a champagne tasting. Or seduced by Comice Pears. Or perhaps you’ll just stay home and cook the elicoidali pasta and mascarpone cheese from your Blue Apron box.

The digital age has changed how we shop for everything, and now food is front and center on the disruption list.

It’s hard being an old-fashioned grocery store these days. Adults, for the first time since such data was recorded, are spending more money eating out than cooking in. But even when they do buy their food, the market is enduring what analysts coldly call “grocery channel fragmentation.”

Pam Danziger, a luxury goods expert, said simply that young eaters are on the hunt for something “distinctive and different.”

Small, boutique food shops that are part-restaurant, part-brew pub, part-exotic grocer are all the rage.

“I find more and more that millennials are looking for special experiences,” said Danziger, author of the book Shops That Pop. “They are not just looking for products. They want a better quality service experience from people who really know their stuff.”

They don’t just want a good pear. They want to know why that pear goes great with that salad. And they might even want to know who grew that pear.

“There’s nothing like going to specialty wine store where [workers] can really advise you on what you are getting,” she said. “This has happened with food now.”

It’s not just happening in hip urban areas on the coasts. Danziger points to small independent food retailers, like Dorothy Lane Market, in Dayton, Ohio, (with its Comice “Holiday Pear”) as examples of a national trend that seems to have staying power.

The do-everything grocery store is struggling to stay relevant in this environment — that’s why shopping carts have cupholders for craft microbrews sold by the growler now — but don’t make the mistake of thinking huge grocers have always ruled the food world. They are a relatively recent development, dating back to the 1930s, when food preparation time shrank as more women entered the work force. Specialty grocers echo a time before that, Danziger said, when everyone “bought local.”

“In the 30s, everyone went to the local butcher,” she said. “What is old is new again.”

Web-Surfing for Groceries?

Well, not everything. On the other end of the digital spectrum, consumers are increasingly skipping the shopping trip altogether and letting the specialty groceries come to them.

Home delivery isn’t new either: Firms have been trying to find the right formula to ship cereal and produce to homes since the beginning of internet time (Remember Webvan? Perhaps you’re not old enough). Blue Apron and competitors like Hello Fresh and Plated seem to have hit on a winning formula by combining the convenience of delivery with the quest for special experiences.

Unless you’re living under a rock or are over 38, meal-in-a-box firms neatly package ingredients and recipes with dry ice, and send it to your home with simple preparation instructions. For about $10, a fairly small meal and about 30 minutes of work, aspiring chefs can feel like culinary experts.

The rise of the meal-in-a-box business has been meteoric. Blue Apron said it delivered 500,000 boxed meals in 2013, and now it delivers 8 million boxed meals a month. HelloFresh, a German competitor, is eyeing a possible public offering next year.

“I don’t think we’ve seen shopping change so dramatically ever,” Marty Siewert, senior vice president for consumer and shopper analytics at Nielsen, told the Wall Street Journal. “Those things in the past that have been real drivers for grocery in terms of freshness and quality aren’t the key drivers for millennials.”

All these changes are occurring against a dramatically different grocery landscape. The Food Marketing Institute’s annual report is full of data showing how grocery shopping is in the midst of a revolution. For example, the days of one member of a household buying the food at one nearby grocery store are essentially over, the FMI said.

“Shoppers increasingly rely on a broader number of less traditional channels, or claim no retailer as a primary store,” it noted in its report.

Meanwhile, the majority of households now employ “co-shopping” or “shared shopping.” That means both partners in a marriage buy groceries — often because one doesn’t agree with the other’s taste in food, the report said. That means more trips to more stores.

“Traditional grocery store as a primary channel has dipped to just below half of all shoppers,” the report said.

Online shopping is still small but growing. While only 5% of shoppers say they use online-only retailers “regularly,” another 15% say they have done so occasionally, up from 11% in 2015. When you ask only millennials, the market segment uptake is even more impressive: 28% of those 18 to 37 have bought groceries online.

Frugal Foodies

Digital is driving food shopping in other ways, too. Nearly 60% of millennials say they use digital coupons, and 66% say they look up recipes online while shopping. (If you’re looking for frugal meals, by the way, try this 16-cent breakfast.)

And lest you think they are only shopping for high-end arugula, one factor still trumps all others for food shoppers both young and old: price. That holds true for co-shoppers and specialty shoppers alike. All those groups say lower prices are the biggest factor in where they’ll shop, with nearly twice as many shoppers prioritizing savings over variety and quality.

Still, Danziger is sure that food consumers want more than iceberg lettuce and white bread, and the retailers who give them better experiences will survive the changes.

“People are looking for a higher quality of life, that’s what this is all about,” she said. “Retail success will be less about what you sell and more about how you sell it.”

No matter how you choose to grocery-shop, it’s important to stay on budget. High levels of debt, related to artisanal cheese or otherwise, can hurt your bank account and your credit. You can see where your credit stands by viewing two of your free credit scores, updated every 14 days, on Credit.com.

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7 Ways to Save at Wegmans

save_at_wegmans

Several years ago, while driving through upstate New York, we stopped at a grocery store my friend from the area absolutely raved about. I had never heard of Wegmans and was a little surprised we were stopping there because it was lunchtime.

Little did I know what was in store for me!

In the years since, and after a Wegmans opened near my home in Maryland, I’ve come to appreciate how well they run and how it’s a pleasure to shop there.

If you’re a fan and looking to save money at Wegmans, here are my best tips.

1. Coupon Doubling Up to 99 Cents

Wegmans has some of the most competitive prices, but did you know they will also double coupons with a face value up to 99 cents? There are a few rules to keep in mind, such as the doubling or face value of the coupon cannot exceed retail price and you can only use four manufacturer’s coupons on four of the same product per day.

If the coupon’s face value is $1.00 or more, it will be redeemed at face value (no doubling).

2. Join the Shoppers Club!

Wegmans has a Shoppers Club, like many other stores, but not only do you get discounts in the store, you’ll be sent mailers that often include more coupons. You will also receive the Wegmans Menu Magazine which often has great recipes and other fun educational articles.

3. Use the Wegmans App

The Wegmans App is a rich-featured shopping-list app that integrates nicely with your local store. You can create your shopping list at home and it will give you your total, pulling prices from the store. This can be very helpful if you’re on a tight budget and help you plan your trip better.

In the store, there are signs throughout that, when scanned with the Wegmans app, reveal videos, recipes, and product information. The app also gives you access to the Wegmans Menu magazine and can pull recipe ingredients from the recipes.

If you have a favorite money saving app, you may want to stick with it. If you don’t and go to Wegmans often, consider using theirs.

4. Create a Shopping List Online

If you don’t have a smartphone, or don’t want another app, you can always create your shopping list on the Wegmans website. Afterwards, you can print it out and see exactly how much the trip will cost you.

The list will organize ingredients based on the store’s aisles, which can save you a ton of time in the store.

5. Consider Wegmans Brand

Most stores’ generic brands are mediocre but not Wegmans – some of their products rival the brand names in quality. Nearly every category of product, from frozen pizza to sauces and packaged baked goods, has a Wegmans brand and they’re usually good and well-priced. At my local Wegmans in Maryland, a 29 oz. can of tomato sauce will cost you just $0.79 versus big brand name tomato sauce priced at $1.69.

6. Don’t Miss the Hot Food

Most grocery store hot food bars can be depressing affairs of overcooked food that’s overpriced. Wegmans has an impressive food bar with nearly every kind of food imaginable, but where they really shine is in two areas — sushi and the burger bar.

The sushi is delicious, fresh, and well-priced, especially if you compare it with a sushi restaurant. If you don’t see what you like, you can make special requests and they are happy to make a roll or package you want. The burger bar is a full-fledged restaurant and they offer a variety of great burgers and sandwiches that are also well-priced.

7. Personal Shopping

If you are short on time, Wegmans offer “personal shopping” where they will get everything on your shopping list and deliver it to your car. You need to place the order online the day before but you pay for it without ever having to leave your car. It costs just $5.95 with no minimum order. It’s not available at every store though, sadly. It is available only in three locations – the flagship store in Pittsford, New York, and the stores in Bridgewater and Cherry Hill, New Jersey.

Finally, if you live in a state where grocery stores can sell beer and wine, give their bargain wines a shot (just remember to drink responsibly). At just a few bucks a bottle, what do you have to lose?

[Editor’s Note: You can monitor your financial goals, like building a good credit score, each month on Credit.com.]

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