Saving Money with Customer Loyalty Programs

September 29, 2019

You can find
savings in customer loyalty programs, depending on how you use them and how
often you frequent those particular stores. If you do it right, you don’t even
need to go out of your way to save money!

How can you
best take advantage of them? Here’s what you need to know.

Types of Loyalty Programs

There are many different
kinds of loyalty programs, but two main types can be used long term: points
that come free with purchases (so long as you have an account to attach them to)
and rewards that come by using store-based credit cards.

Let’s take a
closer look.


The best kind
of customer loyalty programs are the ones that don’t cost you anything to
maintain. Points from point-based loyalty programs may expire, so they’re
better used if you frequent that particular business often.

Credit Cards

Though they can
still be useful if the loyalty rewards credit card is for a place you frequent,
these credit cards often come with a high rate of interest. They may also have
annual fees.

Keep in mind
that closing a credit card account can affect your credit score. As such, you
shouldn’t sign up for credit cards if you don’t think you’re going to make the
best use of them.

Best Customer Loyalty Programs

The following aren’t
selected from a comprehensive list of customer loyalty programs, but they are
very consistent.

Starbucks Rewards

Starbucks are
everywhere. They’re often a staple of office and business culture, whether it’s
grabbing a coffee with a co-worker or getting through the shift. If you use the
app, you can qualify for free drinks.


A Safeway
rewards card qualifies you for perks that can be redeemed on purchases of gas
or groceries. Furthermore, a rewards card will let you pay slightly discounted
prices on some items inside any Safeway.


If you’re the
kind of person that buys make-up for yourself or someone else, there’s
literally no downside to keeping a Sephora rewards card. The points never
expire, you qualify for birthday gifts, and you can redeem points at the


It requires nothing but a phone number to sign
up for a “Pal Rewards” card. All pet owners can save using this customer
loyalty program during sale events, and you can earn $5 rewards for every $100
spent. These perks can be redeemed online or in store during a purchase.