12+ Retailers With the Best Customer Loyalty Programs

The very first thing I do after procuring is hand over somewhat plastic card to the cashier. I don’t imply my beneficiant cash-back credit score card — I imply a retailer loyalty card. I’ve one for each huge chain retailer I store at repeatedly. These playing cards give me rewards on almost all the things I purchase, together with reductions and factors tradable without cost stuff.

The financial savings from loyalty applications — particularly whenever you mix them with excessive couponing methods — can actually allow you to stick with your procuring price range. Here’s tips on how to make these applications be just right for you.

How Loyalty Programs Work

Stores supply loyalty applications for quite a lot of causes. For one factor, they assist the retailer observe your spending habits. Each time you scan your card, the retailer will get a document of what you purchase, permitting it to give you focused offers on different belongings you would possibly like.

Loyalty applications additionally encourage you to do extra procuring at one retailer as an alternative of spreading your business round. Spending extra helps you build up factors and attain larger reward ranges, corresponding to “silver” or “elite,” which offer you higher offers. Stores hope this can lead you to buy there extra usually.

But you don’t need to be loyal to a retailer to make use of its loyalty program. Many shops cost nothing to affix, so there’s nothing to cease you from gathering a complete deck of rewards playing cards and utilizing them to get reductions in all places you store. The solely restrict is how cumbersome you’re keen to let your pockets or key ring get — or, when you desire digital entry, what number of apps you’re keen to retailer in your cellphone.

Nearly each huge chain retailer has a loyalty program of some variety. You can accumulate rewards at shops, drugstores, eateries, supermarkets, and specialty shops, corresponding to magnificence and pet provide shops. However, not all loyalty applications are created equal. Here are a few of the ones that ship the finest worth with the least problem.

Pro tip: Before you begin procuring, be sure you obtain the dosh app. When you join your credit score or debit card to the app, you’ll routinely earn rewards for procuring at your favourite shops.

Best Customer Loyalty Programs

Department Stores

Nearly all division retailer chains have loyalty applications. These huge shops promote virtually all the things, so it’s of their curiosity to entice you into doing as a lot of your procuring there as potential. Many division retailer rewards applications get significantly good evaluations, together with these from each high-end shops and price range chains.

1. Bloomingdale’s

The Loyallist program at Bloomingdale’s persistently will get excessive marks from deal websites. It’s free to affix and has loads of advantages.

First, Loyallist members get factors for each greenback they spend at Bloomingdale’s — in the retailer, on-line, and in retailers. You get 1 level per greenback with most types of cost or 3 factors per greenback when you use a Bloomingdale’s credit score card. Shoes, cosmetics, and fragrance are all price double factors. Plus, when you’ve got a Bloomingdale’s branded American Express card, you get factors for utilizing it at different shops as properly.

When your level complete reaches 5,000, you get a $25 reward card. Unlike many reward applications, Loyallist doesn’t make you fill out a type or log into an internet site to money in your factors. Instead, you obtain your reward card at checkout. You can use it for any buy in the retailer or on the web site, besides in sure eating places and cafes.

On prime of that, Loyallist members get free delivery on almost all the things they purchase at They additionally get free delivery when shopping for a product in-store that must be shipped from one other location. The solely exceptions are furnishings, mattresses, present playing cards, and purchases at Bloomingdale’s The Outlet Store.

2. JCPenney

The JCPenney Rewards program is much like Bloomingdale’s however much more beneficiant. You solely get 1 level for each $2 you spend in the retailer or on the web site, so factors don’t build up fairly as quick. However, you solely want 200 factors to gather a $10 rewards certificates at the checkout. So, in impact, JCPenney offers you 2.5% money again on all of your purchases, whereas Bloomingdale’s offers you solely 0.5% to 1.5% again.

There are methods to earn rewards quicker. If you’ve a JCPenney credit score card, you get 1 level for every greenback you spend, so factors build up twice as quick. The retailer additionally presents bonus factors on sure gadgets all through the year. As an additional perk, you get a members-only present in your birthday.

3. Kohl’s

The Kohl’s loyalty program, Yes2You Rewards, offers you 1 level for each greenback you spend. On the first day of every month, you obtain a $5 reward for each 100 factors you’ve earned. So not solely do you earn a full 5% money again on each buy, however you don’t have to gather as many factors to get a reward.

Yes2You Rewards additionally offers you a present in your birthday and entry to particular “bonus point events” at varied occasions all through the year. You can get much more financial savings presents when you’ve got a Kohl’s Charge card. And, like different applications, Yes2You Rewards is free to affix.

The solely catch is that when you earn a reward, you need to use it inside 30 days. However, that’s not exhausting to do. Rewards are good for something offered in the retailer, on the web site, or through the Kohl’s App.

4. Macy’s

Macy’s rewards program, known as Star Rewards, has 4 ranges:

  • Bronze. The primary model of the Star Rewards program is free for everybody. It offers you 1 level for every greenback you spend at Macy’s, Macy’s Backstage, and, plus additional factors whenever you store on specified “Star Money Bonus Days.” For each 1,000 factors you earn, you get again $10 in “Star Money” that you may spend on something in the retailer besides present playing cards, companies, and costs. Star Money is just good for 30 days after you obtain it, however your factors themselves by no means expire. So even when it takes some time, you’ll positively get to money them in. The program additionally offers entry to reductions, particular presents, and a gift in your birthday.
  • Silver. If you’ve a Macy’s credit score card or Macy’s American Express card, your Star Rewards membership is boosted to Silver stage. At this stage, you earn 2 factors for every greenback you spend. You additionally get Star Passes you should use for a 25% low cost on any day you select. That’s on prime of all the rewards Bronze members get.
  • Gold. If you spend $500 or extra in a single year in your Macy’s card, you obtain Gold standing. In addition to your Silver stage rewards, your earnings are boosted to three factors per greenback spent. You additionally get free delivery on all Macy’s purchases, with no minimal buy.
  • Platinum. Shoppers who spend at the least $1,200 per year on their Macy’s playing cards change into Platinum members. They get 5 factors per greenback on all purchases, with no restrict to how a lot they’ll earn.

If you’ve a Macy’s American Express card, you’ll be able to earn Star Rewards along with your different procuring as properly. The program offers you 3% money again at eating places, 2% at supermarkets and fuel stations, and 1% in any respect different shops that settle for American Express.

5. Nordstrom

Nordstrom’s rewards program, The Nordy Club, is free to affix. It offers you 1 level for each greenback you spend at Nordstrom, Nordstrom Rack, the flash-sale website HauteLook, and the subscription service Trunk Club. You can money in as little as 500 factors for a $5 Nordstrom Note, which you’ll spend on something in the retailer.

The Nordy Club offers different perks for members as properly. They get an opportunity to purchase choose manufacturers earlier than all different Nordstrom prospects, they usually have the first shot at Nordstrom’s Clear the Rack gross sales occasions. They get free curbside pickup service and free primary alterations. And they achieve entry to magnificence and magnificence workshops in Nordstrom shops.

If you spend sufficient money in the retailer, you’ll be able to unlock even higher advantages. Spending $500 will get you “Insider” standing, which offer you in the future per year on which you’ll earn double factors for in-store and on-line purchases. At $2,000 of spending, you change into an “Influencer,” with two double-points days and precedence entry to fashion occasions. The highest tier, “Ambassador,” is for many who spend at the least $5,000 per year. They get three double-points days, entry to invitation-only occasions, and a Nordstrom to You in-home stylist.

You don’t want a Nordstrom credit score or debit card to make use of this program. However, when you’ve got a Nordstrom card, you get a couple of additional perks. For starters, you earn extra factors total: 2 factors per greenback whenever you store along with your Nordstrom debit card and three factors per greenback with the Nordstrom credit score card.

Cardmembers routinely achieve all the advantages of the Insider tier. They additionally achieve early entry to Nordstrom’s annual July sale and as much as $100 in alterations advantages every year. Finally, they get a $40 bonus Nordstrom Note for making a purchase order at Nordstrom, or Nordstrom Rack with their new card the day they’re accredited.

6. Sears

Even although Sears has filed for chapter and closed a whole lot of shops, its Shop Your Way rewards program continues to be lively in the shops that stay. It perks embody:

  • Point-Based Rewards. The program offers you 10 factors for every greenback you spend at Sears, Ok-Mart, or Lands’ End. For each 1,000 factors you earn, you get $1 off your subsequent buy. That’s like getting 1% money again on all the things you purchase.
  • Surprise Points Offers. From time to time, whenever you try, you’ll obtain a particular financial savings supply. You can money in these rewards instantly as an alternative of getting to attend till your subsequent journey.
  • Exclusive Digital Deals. You can search the Sears website or the Shop Your Way mobile app for members-only coupons and offers. Just click on on a coupon so as to add it to your account. When procuring on-line, merely click on a hyperlink to use a saved coupon to your buy. In shops, the checkout register searches by all of your obtainable coupons and routinely applies the ones which might be usable.

Shop Your Way is free to affix. However, for $39 per year, you’ll be able to improve to Shop Your Way MAX and get additional advantages. You earn twice as many factors for every greenback you spend, plus an additional 3,000 factors per 30 days without cost. You additionally get free two-day delivery on all of your on-line purchases, and you’ll improve to next-day delivery for simply $3.99. You can check out the program for 90 days freed from cost.

7. Target

There are two fundamental methods to get reductions at Target. You can use the retailer credit score or debit card, the Target REDcard, for store-wide financial savings, or you should use the Target Circle program to search out offers on particular gadgets. Better but, you’ll be able to mix the two to maximise your financial savings.

The REDcard, which has no annual charge, saves you 5% on all the things you purchase at Target. That consists of clearance gadgets, specialty present playing cards, and purchases at in-store Starbucks places. It additionally offers you free two-day delivery on most orders at It offers unique member-only workplaces, corresponding to particular gadgets and presents. And, as a ultimate perk, paying along with your REDcard offers you an additional 30 days to return a Target buy.

Target Circle is offered by the Target app, which is free for both iOS or Android. To use it, simply scan by the listing of presents earlier than your Target journey and choose the ones you wish to use. Alternatively, you’ll be able to scan barcodes so as to add offers as you store. Then pay with the Target app to obtain your financial savings at checkout.

If you employ a Target Circle supply and pay along with your REDcard, the financial savings stack — you get 5% financial savings from the card on prime of the financial savings from the Target Circle deal. Both Target Circle and REDcard will also be stacked with further coupons yow will discover by the Target app.


The nation’s prime three stand-alone drugstore chains — Walgreens, CVS, and Rite Aid — all have free loyalty applications. Using your card at these shops can get you reductions in your purchases, in addition to factors to spend on future purchases. Here’s how the three chains evaluate.

8. CVS

The CVS AdditionalCare card offers you 2% money again on almost all the things in the retailer. The rewards are often called ExtraBucks. Some rewards print out immediately in your receipt whenever you make a purchase order; others pile up and are paid out quarterly.

Either approach, you’ll be able to money in your ExtraBucks by handing over the printed rewards coupon alongside along with your AdditionalCare card. Rewards expire, so ensure to money them in whilst you can.

In addition to the ExtraBucks, AdditionalCare offers you quite a lot of particular reductions. Members get sale costs on sure gadgets, particular presents through e-mail, and coupons that print out on the register receipt. You may also take your card to the AdditionalCare Coupon Center in-store and scan it to see coupons and particular weekly offers.

9. Rite Aid

Unlike most loyalty applications, Rite Aid’s wellness+rewards program doesn’t use a bodily card. Instead, you merely enter your cellphone quantity at the register to get your member rewards. The program presents 4 various kinds of rewards:

  • In-Store Deals. On the retailer’s cabinets, yow will discover gadgets marked with particular offers only for members, corresponding to reductions and buy-one-get-one presents. You may also examine the retailer flyer for coupons and different presents.
  • Load2Card Coupons. Each week, Rite Aid offers members particular coupons you’ll be able to view on its web site. You can load these coupons into your wellness+ account and take a look at utilizing your account at the register to get your reductions.
  • Wellness+ BonusCash Rewards. When you purchase collaborating gadgets in-store or on-line, you earn digital coupons which might be loaded routinely to your wellness+ account. These rewards can be found to be used in Rite Aid shops or on the day after they’re issued, and you should use them at any time in the subsequent 30 days.
  • Wellness+ Points. Every greenback you spend at Rite Aid earns you 1 wellness+ level. You additionally stand up to 25 factors for every prescription you fill. The extra factors you accumulate, the extra rewards you unlock. You begin out as a Bronze member, with entry to in-store offers, e-mail presents, and Load2Card Coupons. If you get to 250 factors in a single year, you change into a Silver member and get 10% off almost all the things in the retailer for six months. If you make all of it the method to 500 factors in a single year, you change into a Gold member and get 20% off all of your purchases for six months.

In addition to those perks, Rite Aid presents advantages for senior residents. They can be part of the wellness65+ program, which supplies them 30% off  non-prescription gadgets on the first Wednesday of each month. These “wellness65+ Wednesdays” additionally embody particular month-to-month actions, with featured merchandise and data centering on a unique well being subject every month. In addition, wellness65+ members are entitled to a free session with a pharmacist that features a evaluation of all their drugs and immunizations, a free blood stress screening, and a dialogue of Medicare Part D prescription advantages.

10. Walgreens

The Walgreens reward program, often called Balance Rewards, goes a step past the others. This free program rewards prospects not just for their purchases but in addition for making wholesome decisions, corresponding to exercising and checking their weight and blood stress.

With Balance Rewards, you earn:

  • 10 factors for every greenback you spend in the retailer
  • Bonus factors on featured gadgets listed in the weekly sale flier
  • 100 factors for filling a 30-day prescription or getting an immunization
  • 300 factors for filling a 90-day prescription
  • 100 factors for finishing a “healthy challenge” associated to bodily exercise or way of life
  • An opportunity to win as much as 2,000 factors for finishing all 4 obtainable wholesome challenges

At any time, you’ll be able to money in 1,000 factors to get $1 off any buy in-store or at Just current your card or enter your cellphone quantity at the register and ask to redeem your factors. Your factors expire after a year or after your account has been inactive for six months.

You can earn factors quicker by becoming a member of Walgreens’ Beauty Enthusiast program. It offers you 5,000 factors — sufficient for a $5 reward — for each $50 price of magnificence merchandise you purchase in-store. You additionally get entry to particular promotions, samples, a customized magnificence profile and product options, and professional magnificence suggestions and tutorials.

In addition to factors, Balance Rewards members get entry to particular sale costs at Walgreens shops. They may also load paperless coupons to their card or to the Walgreens cell app, which retains observe of rewards factors, prescriptions, coupons, and pictures.

Balance Rewards members who’re additionally members of AARP get much more from the rewards program. By linking their Balance Rewards and AARP playing cards, they’ll earn 50 factors for each greenback they spend on Walgreens-brand well being and wellness merchandise and 30 factors for each greenback spent on magnificence merchandise. They additionally earn 1,000 factors for every vaccination they obtain.


Lots of eating places have rewards playing cards that earn you free drinks or meals. At native eateries, these are sometimes easy paper playing cards you stamp each time you eat there. When your card fills up, you’ll be able to commerce it in for a free drink or meals merchandise.

Bigger chains usually have extra complicated rewards applications with digital playing cards that observe your spending in {dollars}. For instance, the DD Perks program at Dunkin Donuts offers you 5 factors for each greenback spent. When you attain 200 factors, you get a coupon for a free beverage. Two eateries that get robust evaluations for his or her rewards program are Papa John’s and Starbucks.

11. Papa John’s

One chain-restaurant program reviewers particularly get pleasure from is Papa Rewards from Papa John’s pizza. With this program, you earn 1 level for each greenback you spend. Every 75 factors you earn routinely converts to $10 price of “Papa Dough,” which you’ll spend on any merchandise on Papa John’s menu. To money in your Papa Dough, log into your account on and click on “Use Rewards.”

There’s no restrict on what number of factors you’ll be able to earn by Papa Rewards. Reward factors don’t expire so long as you proceed to make use of your account. However, they are going to expire when you neither earn nor redeem any rewards for a full 12 months. Papa Dough expires six months after you obtain it.

The program additionally presents particular offers and unique gadgets for members. For occasion, all members are entitled to a free dessert on their birthdays at collaborating Papa John’s eating places in the U.S.

12. Starbucks

The Starbucks Rewards program has been by some huge adjustments since April 2016. Before that, you bought 1 star (the Starbucks equal of some extent) for each go to, regardless of how a lot you spent. When you had 12 stars, you would money them in for a free drink or meals merchandise.

The new program is extra sophisticated. Stars are actually based mostly on spending, at the rate of two stars for each $1 spent. One day every month is a Double Star Day, on which every $1 spent is price 4 stars. You may also earn bonus stars for making the most of particular presents you obtain through e-mail.

It now takes 150 stars to earn a free “handcrafted drink.” However, there are a number of different issues you’ll be able to money in your stars for. For occasion:

  • For 25 stars, you’ll be able to customise your drink with an additional shot of espresso, a taste syrup, or a nondairy milk choice.
  • Cash in 50 stars for a brewed espresso, scorching tea, or bakery merchandise.
  • For 150 stars, get a breakfast sandwich or oatmeal.
  • Cash in 200 stars for a lunch sandwich, protein field, or salad.
  • Save up 400 stars for a bag of espresso, a signature cup, or considered one of a number of espresso equipment.

Unfortunately, stars expire six months after you earn them. That means when you solely go to Starbucks a couple of times per 30 days, it’s exhausting to avoid wasting up sufficient stars to earn a handcrafted drink earlier than they expire. However, when you hyperlink your account to a Starbucks Rewards Visa card or Visa Prepaid card, your stars don’t expire.

Being a Starbucks Rewards member will get you a couple of further perks as properly. You’re entitled to free refills on brewed espresso or tea and a free drink in your birthday. Also, when you’ve got the Starbucks mobile app, you’ll be able to place an order in your method to Starbucks and “jump the line” whenever you arrive. And you obtain particular, personalised low cost presents by e-mail.


Most grocery store loyalty applications aren’t tied to your spending stage. Carrying a retailer loyalty card entitles you to particular reductions, however you don’t must spend a specific amount to get them.

With chains like Giant or ShopRite, it is sensible to enroll in the retailer card even when you received’t use it fairly often. You get all the advantages of the card simply by having it on the few events whenever you want it. However, there are a couple of supermarkets that reward you particularly for spending extra — not with free groceries, however with financial savings on fuel.

Kroger, the nation’s largest grocery retailer chain, is one instance. This company owns over a dozen totally different manufacturers, together with Fred Meyer, Fry’s Food and Drug, Harris Teeter, King Sooper’s, QFC, and Smith’s. When you employ your retailer rewards card at any of those shops, you earn 1 gasoline level for each greenback you spend. You get 2 factors per greenback spent on present playing cards.

Every 100 factors you earn is nice for a reduction of $0.10 per gallon at any Kroger gasoline heart. You should purchase as much as 35 gallons of gasoline at the discounted rate. If you save up your factors, you may get even greater reductions, as much as a most of $1 off per gallon. You may also use gasoline factors at collaborating Shell stations, however solely 100 factors at a time.

You can use your factors all of sudden or unfold them out over a number of fill-ups. You can see what number of factors you’ve at the backside of your retailer receipt or observe your level complete on the Kroger app or web site. The app additionally exhibits the date when the gasoline factors expire. All factors earned in a given month expire at the finish of the subsequent month.

At Fred Meyer shops, the rewards program is even higher. Along along with your gasoline factors, you earn 1 Rewards Point for each greenback you spend at both Fred Meyer or Fred Meyer Jewelers. If you earn 500 Rewards Points in a three-month interval, you’ll obtain a Rewards Rebate coupon in the mail. You can spend this money in your subsequent procuring journey, identical to money.

The Albertsons household of grocery shops, which incorporates Albertsons, Safeway, Shaw’s, and Vons, has the same rewards program. However, its program, known as “just for U,” offers you a alternative about tips on how to use your factors. You earn 1 level per greenback spent on groceries or pharmacy purchases and a couple of factors per greenback on present playing cards. You can money in these factors for reductions on fuel at collaborating fuel stations or on particular grocery gadgets at Albertsons shops.

Specialty Stores

You may also earn rewards at a variety of specialty shops and different companies. Here are some applications that get particularly good evaluations:

  • Auto Parts. The AutoZone Rewards program is considered one of the most beneficiant loyalty applications on the market. It’s free to affix, and it offers you a $20 credit score for each 5 $20 purchases you make in a year. The credit score goes straight to your AutoZone Rewards card, so all it’s important to do to make use of it’s hand over the card at checkout.
  • Beauty Products. Reviewers love the Beauty Insider program from Sephora. This free program offers you 1 level for every greenback you spend. You can money in your factors for merchandise starting from a pattern tube of moisturizer (100 factors) to an entire make-up equipment from FENTY BEAUTY by Rihanna (7,500 factors). The program additionally offers you a present in your birthday, free product samples, reductions on particular merchandise all through the year, free magnificence lessons, and in-store magnificence companies. If you spend sufficient in a year, you’ll be able to unlock larger ranges of rewards, corresponding to extra factors for every greenback spent, greater reductions, free delivery, early entry to merchandise, and unique occasions. Another magnificence retailer, Ulta, has the same points-based program known as Ultamate Rewards. It additionally offers a birthday present and a minimal of 1 level per greenback, however you’ll be able to money in your factors for reductions on any product Ulta sells. Discounts vary from $3 off for 100 factors to $125 off for two,000 factors. You may also earn additional factors on sure merchandise every month and double factors throughout your birthday month.
  • Car Rental. National Car Rental will get rave evaluations for its Emerald Club program. Members earn 1 credit score each time they hire a automotive, they usually can money in 7 credit for a free rental day. Alternatively, they’ll select to transform their credit to frequent-flier miles or resort rewards. Members additionally get pleasure from a extra streamlined rental course of and pay no charge for including a second driver to a rental. The program is free to affix, however you need to have a credit score card. Users who hire automobiles often can improve to the Executive or Executive Elite tiers of membership, which require fewer credit for a free rental day and add different advantages, corresponding to free upgrades.
  • Electronics. Several offers websites reward the My Best Buy program at Best Buy. Members at the primary, or “Core,” stage earn 1 level for each $2 they spend and may money in 250 factors to earn a $5 reward certificates. That’s like getting 1% money again on all of your purchases. Points don’t expire so long as your account stays lively, however rewards certificates are solely good for 60 days. If you spend $1,500 or extra in a calendar year, you attain Elite standing and begin incomes 1 level per greenback. Spend $3,500 or extra in a single year to realize Elite Plus standing, incomes 1.25 factors per greenback. In addition, members who use a My Best Buy or My Best Buy Visa credit score card earn bonus factors.
  • Movies. The AMC Stubs program at AMC theaters is free to affix and provides quite a lot of perks. You get 20 factors for each greenback you spend, and you’ll money in 5,000 factors for a $5 reward. You additionally get discounted tickets each Tuesday, a free refill each time you purchase a big popcorn or a reusable popcorn bucket, a free giant popcorn in your birthday, invites to screenings, and different particular presents. For $15 per year, you’ll be able to improve to Stubs Premiere and begin incomes 100 factors for each greenback spent. Premiere members additionally get additional perks, like free dimension upgrades on popcorn and drinks.
  • Office SuppliesOffice Depot Rewards offers you 2% money again on “your favorite supplies, furniture, technology & more.” You additionally get particular members-only presents and rewards for recycling your ink cartridges. If you spend $500 in a single year, you change into a VIP member and get 5% money again on paper, toner, and ink, in addition to printing, copying, and delivery companies. The program is free to affix.
  • Pet Supplies. With a free Pals Rewards card from Petco, you earn a $5 reward for each $100 you spend. You can simply load your reward onto your Pals Rewards card to apply it to your subsequent Petco journey. Members additionally get free delivery for on-line purchases and free birthday treats for his or her pets.
  • Sporting Goods. The free ScoreCard from Dick’s Sporting Goods offers you 1 level for each greenback you spend. When you attain 300 factors, you’ll be able to money them in for a $10 reward. RatingCard members additionally get entry to particular coupons, reductions, and giveaways. At REI, you’ll be able to pay a one-time charge of $20 for a lifetime Co-op membership. This program offers you an annual dividend equal to 10% of all the money you spend at REI that year. You can spend your dividend at any REI retailer or on-line. Members additionally get entry to particular occasions and semiannual “garage sales” the place returned merchandise are offered at steeply discounted costs.

Final Word

The loyalty applications listed above are the better of the finest. If you store repeatedly at any of those shops, join their rewards applications and reap the advantages.

However, that doesn’t imply that when you don’t use these shops, you must begin procuring there simply to get the rewards. If a retailer isn’t handy for you or doesn’t have what you need in stock, the loyalty program received’t do you a lot good.

Instead, stick with the shops you want and see if they’ve rewards applications of their very own. They will not be as beneficiant as the ones listed right here, but it surely’s higher to get so-so rewards regularly than nice rewards each every so often. Ultimately, the finest rewards program is the one you’ll use the most.

Do you employ retailer loyalty applications? Which ones are your favorites?

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