Kroger is a wide reaching grocery chain with different names locally. However the loyalty programs are pretty much the same.  Here in LA, the Frugal Diva shops  staples at Ralphs and tries to wring the most benefits out her loyalty card.

Gift Cards – Buy them here while you shop here and you get loyalty points. Time saver and bonus rebate all in one place.

Wines – Get them by the half dozen and save an extra 10%.

Weekly Specials – Once you have your rewards, use them on items that are already discounted for the maximum savings.

Coupons – Coupons that come with your rewards bonus can be used on lower prices to get even greater savings.

Let me know your favorite ways to work these cards!

Use them or lose money, there is no way around the loyalty program concept.   What really matters is maximizing the benefits. Two ways to enhance your savings – when ever possible stick with one program for every category type i.e. food, office supplies, hotels, air travel and give them your email address (set up a seperate account for deals if necessary) so you receive up to the minute offers. 

Here are the no fee programs the Frugal Diva likes best and why.

Staples – They give you $2 for every used printer cartridges and a percentage of purchases in a rebate check.  Watch for emails with weekly savings and coupons. Back to school is an excellent time to stock on supplies for the office.

Ralphs – Their points system allows you to get back a small rebate every three months along with coupons for products. They will email you items that garner bonus points and just by clicking you can make your way to savings. The coupons are loaded into your loyalty card and automatically deducted at checkout. No cutting and no forgetting.

Borders - You get emailed discount coupons ranging from 25% to 40% off, special bonus savings, and a rebate with purchases.

AMC Moviewatcher Club – Two points for every movie ticket purchased whether it’s a discount matinee or full fare in the evening. They add up quickly to get free drinks, popcorn, and tickets.

Chicos – After an initial purchase amount, members receive an automatic 5% off and a coupon every month plus a birthday bonus, invitations to private sales, and special discounts.

Let me know what you think are great programs and I will add them to the post.