Wholesale clubs are already known for their low per-unit pricing, but savvy shoppers know there’s still room to layer additional savings. With the right strategy, you can combine coupons, membership perks, and cashback apps to get even more out of every bulk purchase. Whether you shop at Sam’s Club, Costco, or BJ’s Wholesale, stacking savings is a smart way to lower your overall spend without compromising on quality.

Here’s a breakdown of how to make the most of every trip.

Step 1: Start with Instant Savings and Member Perks

Most wholesale clubs offer exclusive member discounts through monthly Instant Savings or promotions:

• Sam’s Club features limited-time Instant Savings offers that automatically apply at checkout for members.
  
• Costco includes rotating warehouse deals both in-store and online.
  
• BJ’s Wholesale has digital coupons and online-exclusive savings tied to your membership level.
  

Be sure to check each club’s app or website before shopping to identify active deals.

Step 2: Use Manufacturer and Store Coupons (When Allowed)

BJ’s Wholesale is the only major club that accepts both manufacturer and store coupons, giving it a major advantage for couponers. You can combine:

• BJ’s in-app digital coupons
  
• Paper manufacturer coupons
  
• Clipless discounts on selected items
  

At Costco and Sam’s Club, coupon use is more limited, but discounts are often baked into pricing or labeled as “Instant Savings,” so clipping isn’t required.

Step 3: Use Cashback Apps for Extra Value

Even after store promotions and coupons, you can earn even more by using cashback apps:

• Ibotta lets you scan your receipt for individual item rebates at Sam’s Club and occasionally at BJ’s
  
• Rakuten offers cashback on online wholesale club purchases
  
• Fluz gives you instant cashback when you purchase a Sam’s Club or BJ’s Wholesale gift card, then pay with it at checkout
  

This approach lets you triple-dip: store savings, coupon discounts, and cashback earnings.

Step 4: Pay with a Cashback Credit Card (If Applicable)

If your club doesn’t allow third-party gift card payments or if you want to layer additional savings, use a credit card that rewards warehouse purchases. Some premium membership tiers at Sam’s Club and Costco also offer cashback as part of your annual benefits.

Step 5: Don’t Overbuy—Stick to High-Value Categories

To make your stacked savings worthwhile, focus on items that give you the most value:

• Paper products, cleaning supplies, and toiletries
  
• Coffee, cereal, and individually packaged snacks
  
• Office and breakroom essentials
  
• Pantry staples with long shelf lives
  

Avoid perishable items you may not use before expiration unless you’re meal prepping or freezing.

Final Thoughts

Stacking savings at wholesale clubs is all about preparation. By checking Instant Savings, applying the right coupons, and using cashback platforms like Fluz, Rakuten, or Ibotta, you can maximize every trip and keep your bulk purchases under budget. It takes a little planning—but the rewards are worth it.