Skip to content

How Chase saved me $110 on my monthly groceries

Nov. 23, 2021
6 min read
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

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.

Sign up for our daily newsletter
(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.

(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.

TPG featured card

Best starter travel card
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

1 - 3X points
3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1XEarn 1 Point per $1 spent on all other purchases

Intro offer

Earn 80,000 ThankYou® points60,000 points
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
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 Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Best starter travel card
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

3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1XEarn 1 Point per $1 spent on all other purchases
  • Intro Offer
    For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Earn 80,000 ThankYou® points
    60,000 points
  • Annual Fee

    $95
  • 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.

    670-850
    Excellent, Good

Why We Chose It

The Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases