How Chase saved me $110 on my monthly groceries

5d ago

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.

(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 photo by Scott Mayerowitz / The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.