For target, you can get the debit card/checking account version of the red card that doesn't require taking a HP. It still gets you 5% off of everything. Target offers Shipt for online groceries but I haven't used it as of yet cause I have been lucky enough to get time slots on Amazon Fresh.
For other grocery food options, I would just search online for promo codes. I got $10 off an order on Amazon Fresh once. Ive seen deals for Instacart and a few others. Misfits market is a good one for produce delivery and there's usually a code for 25% off your first order floating around. There's also the cashback monitor website where you can plug in the grocery delivery services to see if any sites offer cash back. I just got 10% off Doordash last month thru BoA.
I feel the same way about maximizing my cash back rewards but when you do the math, sometimes it's not worth the extra effort just to get $2 back. That's why I use coupons and other stuff to maximize my grocery savings for the most part. Yet still found myself paying $5 for eggs the other day (coronavirus markups!! 😠)..but I got that 6% back from BCP so that softened the blow a tiny bit. Anyways, good luck!
I earn 6% with BCP at Instacart for delivieries to a relative.
Sweet! I assume that Amex Gold will earn 4x MR as grocery for Instacart as well. Does anyone have experience?
Also, I think BOA Cash Reserve set to Online Shopping will earn the max for Instacart as opposed to the grocery rate. Will report.