Whole Foods Market Gift Card ( WFM)

Call it "Whole Paycheck" if you want, but a gift card goes a long way with its generic 365 Brand organic food, and its card is far better than any other grocer is offering.

Scoring 97 out of 100, Whole Foods Market's gift offering is easily ScripSmart's highest-rated grocery card. It never expires, has no fees, spells out a replacement policy and is available either in the store or online with free shipping. It's reloadable and redeemable at all Whole Foods locations and Whole Foods subsidiaries..

If you're that concerned about expense, though, just consider the card a subsidy. It can buy a lot of Annie's Mac and Cheese, but we're guessing it'll be more fun if spent on take-and-bake pizzas and party platters from the meat-and-cheese section.

Costco ( COST)

It's just genius on Costco's part to offer this every holiday season. Now, maybe folks won't be terribly excited by the ability to buy all their paper products for the year at once, but they'll never know unless they try.

Costco's Cash Card gives folks $25 to $1,000 to spend on big boxes of cereal in the warehouse, electronics in the online store or unleaded at its gas stations. Perhaps the Cash Card's best feature is that it lets folks shop at any Costco location without being a member. In Costco's eyes it's a trial membership that gets new folks into the stores, but for non-members its a great way to get bargains without forking over a $50 to $100 membership fee.

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