Grocery spending is one of the largest recurring costs for most households, which makes it one of the best places to earn cashback. But not everyone wants another app tracking their shopping. The good news is that you can earn meaningful cashback on groceries with tools you probably already have: a store loyalty card, a suitable payment card, and the store's own weekly offers.

This guide shows how to stack those three layers without installing anything new, and how to check that you are actually getting the return you expect.