Comparing the Top Grocery Loyalty Programs in 2026
To help you choose the best programs for your lifestyle and budget, review this summary comparison of features, senior discounts, and delivery pricing across major supermarket chains:
| Grocery Chain | Base Program Fee | Senior Discount / Special Perk | Delivery Option & Cost | Fuel & Extra Benefits |
|---|---|---|---|---|
| Kroger | Free (Plus Card) | 50% off Boost for SNAP/Medicaid; 10% off at Fred Meyer (55+) on 1st Tuesday | Boost: $69/yr (Essential) or $99/yr (Premium) | 100 pts = 10¢ off/gal; 2x pts on Boost tiers |
| Walmart | Free (Standard) | Walmart+ Assist: 50% discount ($49/yr) for SNAP/Medicaid/SSI recipients | Walmart+: $98/yr ($12.95/mo) for free store delivery ($35 min) | 10¢ off/gal at 13,000+ stations; free Paramount+ or Peacock |
| Harris Teeter | Free (VIC Card) | 5% off total purchase every Thursday for shoppers aged 60+ | Delivery options available via regional fulfillment | Digital paperless coupons and double-coupon promotions |
| Target | Free (Circle) | Circle 360 discount ($49/yr) for qualifying assistance recipients | Target Circle 360: $99/yr ($49 for cardholders) | Free Drive Up loading service; 1% earnings on non-redcard items |
| Safeway / Albertsons | Free (For U) | Select divisions offer 10% off for 55+ on 1st Wednesday of the month | Store pickup and delivery services available | 100 pts = $1 reward or 10¢ off/gal at Chevron/Texaco |
| Meijer | Free (mPerks) | Pharmacy rewards convert prescription fills into food discounts | Home delivery offered via store app partnerships | 10 pts per $1 spent; 1,000 pts = $1 basket discount |
| Publix | Free (Club Publix) | Tailored high-value digital coupons (e.g., $5 off $20 basket) | Curbside pickup and delivery available via app | Pairs with weekly Buy One, Get One Free (BOGO) sales |
| Food Lion | Free (MVP) | Shop & Earn monthly category spending challenges | Instacart-powered grocery delivery options | Automatic checkout cash-back rewards |
| H-E-B | Free (App) | Combo Coupons deliver free staple food items with key purchases | Transparent curbside pickup pricing | Instant mobile app coupons linked to phone number |
| Giant Eagle | Free (myPerks) | Prescription refills earn points toward food and fuel savings | Store delivery and pickup options available | 50 perks = 10¢ off/gal at GetGo or 2% off groceries |
