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Dining out doesn’t have to break the bank—especially if you know where to go and how to order. Popular fast-casual restaurants like Chipotle, Panera Bread, and Shake Shack offer a variety of delicious menu options that can keep you full and satisfied for $10 or less. And with the added perk of instant cashback through Fluz, you can stretch your dining budget even further.

Here’s a practical guide to getting the most value when dining out—without compromising on taste or quality.


1. Best-Value Meals Under $10

Chipotle

Chipotle’s menu is highly customizable, making it easy to build a satisfying meal under $10.

Best pick: Build-Your-Own Veggie Burrito Bowl – $8.90 (prices vary slightly by region)

Includes beans, fajita veggies, rice, salsa, lettuce, and optional corn—all included at no extra cost.

Order Chipotle through Fluz and earn cashback on every meal.

Panera Bread

Panera’s “You Pick Two” option often goes over $10, but single items are more affordable.

Best pick: Mediterranean Veggie Sandwich – $8.89

Pair it with a free water or bring your own drink.

Buy a Panera Bread gift card through Fluz before ordering to earn cashback.

Shake Shack

Shake Shack’s burgers and shakes can be pricey, but a strategic order keeps you within budget.

Best pick: ShackBurger (single patty) – $6.89

Pair it with a small fountain drink ($2.19), staying just under $10 before tax.

• Use Fluz to reduce your net cost through instant cashback.


2. Tips for Customizing Meals to Stay Under Budget

Skip the extras: Guacamole at Chipotle and bacon at Shake Shack can push your order over $10 quickly. Stick with the basics to stay within budget.

Double up on free items: At Chipotle, load your bowl with free toppings like lettuce, fajita veggies, and multiple salsas for more volume and flavor.

Choose water: Most fast-casual restaurants offer free water, helping you save an extra $2 to $3 on drinks.

Go vegetarian: Opting for veggie-based meals is usually more affordable and still filling. Panera and Chipotle both offer hearty veggie options under $10.


3. How to Use Fluz for Instant Cashback

To maximize savings when dining out at these fast-casual spots, use Fluz. Here’s how it works:

1. Open the Fluz app and search for your merchant of choice (e.g., Chipotle, Panera Bread, or Shake Shack).

2. Buy a gift card for the amount you plan to spend.

3. Use the digital gift card at checkout in-store or online.

4. Earn instant cashback that you can reinvest into your next meal.

This simple step reduces your out-of-pocket cost and lets you stack savings with rewards programs and deals.


4. Smart Pairings for Maximum Value

Here are some meal combos that keep you full without going over $10:

Chipotle Bowl + Water: A veggie bowl with rice, beans, and free toppings + water

Total: Around $9

Panera Sandwich + Apple (side): Mediterranean Veggie Sandwich + complimentary apple side

Total: Around $9.50

Shake Shack Burger + Drink: Single ShackBurger + small fountain drink

Total: Around $9.10

Pro tip: Some locations may offer seasonal promotions or local pricing differences, so check current menus on chipotle.com, panerabread.com, and shakeshack.com before you go.


With smart ordering and the help of Fluz, eating out for under $10 is not only possible—it’s practical. Whether you’re grabbing lunch on the go or planning a budget-friendly dinner, these strategies help you enjoy flavorful, satisfying meals without overspending.