We've all been offered the valued shopper cards and deals. If you join a grocery store's "club," you feel like you'd save a lot more money with the savings offered through their club cards. However, in general, this is a definite misconception. Club cards are used more as an incentive to consumers and consumers don't always recognize the fact that the price differential is not nearly present.

In the majority of major (chain) grocery stores that offer all customers their club cards, you may actually be paying more for those guaranteed savings.  On average, the majority of these stores raise their overall prices, in which you may then possibly save enough to break even. Stores that don't offer club cards have proven that they offer lower prices, overall.  

The best option is to shop around and price compare. From there, make sure you are really saving with "club card" offers and deals.  If you are ultimately paying more, with or without a card, it makes no sense to shop at those stores. The worst deal you could find is to pay money for a "club" membership if you cannot prove that you will be saving more in the long run.  As well, if you are ever a new, or visiting, customer to a store, always opt for the club card for those additional savings, even if you are to never use that card or store again. Sometimes the only savings you may find on a club card are in comparison to those who don't use a club card on the same items/stores, but you are still saving in that aspect.  

The best way to save is to shop around and compare prices. Find the best deals with a little time and energy, and never fall for the club cards without first doing your homework. Your savings may simply mean the exact opposite in that you are paying more.