There are a few grocery store deals going on this week (remember, grocery store weeks usually go from Wednesday to Tuesday because reasons). Just make sure you clip the coupon and save it to your accounts. Yes, accounts is plural, right? Right? The deals:

A stuffed bear with a balloon animal behind it. In the bear's lap is a bottle of Jameson Whiskey.
At least if Safeway is your primary grocery store you’ve still got options.

1. Staples started offering fee free $200 Visa Gift Cards yesterday. The deal runs through Sunday, and is limit 5 per day (which really means per transaction). These are Metabank gift cards and they’re getting harder to liquidate, especially at Safeway, Albertsons, and related stores. Make sure you have a plan before going big on this one.

Use a card that bonuses at Office Supply stores like the Chase Ink Cash, US Bank Business Cash Rewards, or American Express Business Platinum with the 5x offer attached. I understand that some of you aren’t currently in a position to get a business card. In that case, check out the Huntington Voice Credit Card, which earns 3x on office supply purchases up to $2,000 per quarter. Bonus: This is a no-annual fee card that doesn’t pay anyone commissions, so it probably won’t be pushed on everyone only to devalue its benefits any time soon.

2. Yun let me know that the Rakuten Visible deal was up to $40 or 4,000 Membership Rewards back on service on Saturday, though as of this writing it’s back down to $20 or 2,000 Membership Rewards. Check the current rate at this link. Yes, this is manufactured spend even if it doesn’t seem like it at first blush: You’ll spend on cell phone service and earn miles and/or cash back and a $100 Mastercard after two months of service. I did a few of these this weekend and Rakuten auto-attached $15 off of the first month, making the deal even better (especially if you join any Party Pay group for free to knock $15 off of the monthly bill). This deal can scale.

3. Kroger has a coupon for $3 off of a fixed value Visa or Mastercard running between now and May 25. It can be used multiple times, just make sure you add the coupon to your Kroger account first in the mobile app or at the web site. These are US Bank issued gift cards, which in most cases will work better and at more places than Metabanks. Stack this deal with another coupon for 4x fuel points on fixed value Visa and Mastercard gift cards, though that one expires tomorrow.

A picture of a woman with red hair and a blue shirt walking into a pole at a playground.
Trying to liquidate Metabank gift cards at Safeway.

There’s a lot going on with grocery store rewards this week. A few examples:

  • At Kroger, you can buy $100 Visa and Mastercard gift cards for $100.95. Combine with Fuel Points for a nice win. Coincidentally, Kroger is usually a good target for liquidating cards like this.
  • At Meijer stores (pronounced “major” in case you’re a Meijer newb like me), you can get $50 in Meijer rewards for buying certain $500 gift cards. Check the exclusions, but as of this writing BestBuy isn’t excluded. Combine with a 4x or 10x grocery card for a huge win.
  • At Safeway / Albertsons / J4U stores, let’s just say it’s rewards bananas right now. Add online offers to your account and try buying a few things. You’ll probably be really surprised at what you see.
A trophy that looks like a banana on a plaque entitled "J4U Rewards"
“Rewards bananas” at J4U.

Do this now:

  1. Register your Discover IT cards for Q2 bonuses
  2. Register your Chase Freedom cards for Q2 bonuses
  3. Register your US Bank Cash+ cards for Q2 bonuses

Spend strategies:

  • Discover
    • Gas
      • Buy Visas to convert to money orders; 7-11s and Speedways are usually the easiest, but definitely not the only options
      • Buy BestBuy gift cards and resell, but wait for the market to come back to 98-99% (should happen by the end of Q2)
      • Fill your car up? I won’t be doing this though, I have plenty of Kroger 6x fuel points to liquidate.
    • Wholesale
      • Buy MetaBank gift cards at Sam’s club if you can liquidate
      • Buy 3rd party gift cards during periodic sales and resell
    • Streaming Services
      • Load your Apple Wallet balance
      • Pay (and pre-pay) streaming (Netflix / Disney+ / etc)
  • Chase Freedom / Freedom Flex
    • Gas
      • Buy Visas and use to convert to a money order. 7-11s and Speedways are usually the easiest, but definitely not the only options.
      • Buy BestBuy gift cards and resell, but wait for the market to come back (should happen by the end of Q2)
      • Fill your car up? I still won’t be doing this though, see above.
    • Home Improvement Stores
      • Buy gift cards to resell
      • Buy Amazon cards to load to your account, giving you effectively 5x at Amazon
      • Buy and liquidate Visa Gift Cards
  • US Bank Cash+
    • Electronic Stores
      • Buy BestBuy gift cards and resell (but wait for the market to come back, which should happen near the end of the quarter)
    • TV, Internet, and Streaming
      • Load your Apple Wallet balance
      • Pay (and pre-pay) streaming (Netflix / Disney+ / etc)
    • Cell phone providers
      • Pre-pay your bill

All of these cards are no-annual fee cards. If you have a premium card from Chase, Bank of America, Discover, or US Bank, consider converting it to one of these cards. You don’t have to wait until the annual fee posts either, most banks will pro-rate the annual fee right when you downgrade.

General reminder on no-annual fee BoA cards: Lots of things count as 3x “Online Spend” or “Business Services” with the Cash Rewards family of cards. Also, even within the BoA Cash Rewards family, Visa is not the same as Mastercard. Go punch drunk on this one.

Picture of a person in a black leather jacket laying on the curb, clutching a bottle of alcohol. A wine bottle and other bottles litter the ground.
Punch drunk on 5x cards. Also booze.