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How Chase saved me $110 on my monthly groceries

Nov. 23, 2021
6 min read
How Chase saved me $110 on my monthly groceries
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Who doesn't like to save money, especially on groceries?

Chase recently introduced a new partnership with Gopuff, a delivery service that brings essential household items to your doorstep – quickly.

At first, I wasn't too excited about a $10 monthly statement credit. Then I realized it was per eligible Chase card, not per person. And that's when the wheels started turning and I plotted out a plan to save over $100 on my monthly grocery tab.

(Screenshot courtesy of GoPuff)

My wife and I have a total of 11 eligible Chase cards. That amounts to a potential $110 a month – or $1,320 a year – in savings. This is why we advise all couples to always be thinking about "two-player mode" when it comes to a rewards card strategy.

Between the two of us, my wife and I currently have the following eligible Chase cards:

(*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.)

So, one recent night I decided to place 11 consecutive Gopuff orders to see just how much savings I could glean.

Before placing any of my orders, I added all the eligible cards into an existing spreadsheet I have to track various monthly credit card perks. I then preloaded all my cards into my new Gopuff account. It was then that I realized that Gopuff limited me to nine cards. After placing my ninth order of the night – yes, I realize that I'm typing these words and it isn't normal – I had to remove two cards and then add in the tenth and eleventh cards to complete my two final orders.

I guess they never anticipated a household like mine. Of course, in true TPG style, I had to see how I could maximize this promotion.

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(Screenshot by Scott Mayerowitz/The Points Guy)

Gopuff does charge a delivery fee that's based on the order size. But the company has a service called "Fam" that waives the delivery fee. It cost $5.95 a month but there's a 14-day free trial. There were also a few savings for ordering specific products. For instance, there was a discount for buying two bottles of Diet Coke and another mix-and-match offer for buying two types of cheeses. Additionally, there are promos out there to save an extra $10 off each of your next three orders. While those aren't specifically tied to the Chase promo, I was able to stack them all together.

Finally, Gopuff has its own rewards program. I earned 16,480 points on my orders, which I can redeem for a selection of curated items. For instance, right now, I could get a free pint of Ben & Jerry's ice cream for 18,000 points. A free 20 oz. soda is 5,000 points. 8,000 points would earn me 10% off every offer for a week.

(Photo by Scott Mayerowitz/The Points Guy)

During my trial, I tested buying a little bit of everything. There were cans of seltzer, a frozen pizza, a pint of ice cream, milk, cheese, pretzels, crackers, plastic cups, Ziploc freezer bags, some gum and even toothpaste. I even purchased an "Apple Certified iPhone Lightning USB Cable."

A 14-pack of gum was $1.99, the pint of Ben & Jerry's Chocolate Chip Cookie Dough was $5.99, a 5 oz bag of Terra chips was $2.09 and a half-gallon of organic milk was $5.49, which is at or below market price in Manhattan.

My one mistake was not reading the product descriptions close enough. No, I didn't order a 64-gallon jar of mayonnaise. But I did end up with a hot pizza, hours after I was done with my dinner.

Each order cost between $12.75-$15.50 so I only paid a little out of pocket above and beyond the $10 credit I expected to receive. However, doing it this way added to my cost since each order included a $2 tip for the delivery person because I wasn't sure if it would be the same person delivering all 11 orders, or if different items came from different fulfillment centers.

(Photo by Scott Mayerowitz/The Points Guy)

Despite those minor snafus, I was impressed with how fast the credits posted – to all 11 of my Chase accounts.

My Gopuff purchases all happened on a Friday night and all 11 credits had posted by Monday morning.

That's much faster than American Express dining credits or Amex Offers have been posting.

(Screenshots by Scott Mayerowitz/The Points Guy)

Bottom line

Now, the reality of doing 11 separate orders in a month and keeping track of your credit cards is a bit crazy. But here at TPG we have all done some pretty complicated things to save cash or earn frequent-flyer miles. While this was a fun (and money-saving, if time-intensive) exercise, if the delivery fees hadn't been waived, it would have gotten much more expensive. That's why I might not try to take advantage of it each month.

While Gopuff isn't a full grocery store, the prices were competitive and most staples were available. That said, it didn't have everything I would normally buy on a shopping run, so I wouldn't consider it a full replacement for my everyday grocery shopping. And, as my coworkers noted, Gopuff is just in urban centers right now. If you live in a rural or suburban area, you might be out of luck. Still, if you have some Chase cards and orders where Gopuff would come in handy, this is a good way to save a little money on your groceries each month.

Featured image by (Photo by Scott Mayerowitz/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023