Loyalty programs are everywhere. Sign up, scan your app, and wait for rewards. But how many of these programs really give something back?
The truth is, most are just marketing. But a few are different. They save you real money or offer perks you actually use. Let’s look at seven loyalty programs that are worth your time.
Starbucks Rewards
If you drink coffee often, Starbucks Rewards is one of the best programs out there. You earn stars with every purchase. The more you buy, the faster you get free drinks and food.
In 2025, they’ve added new features like bonus star challenges, in-app games, and early access to seasonal items. The app is easy to use, and rewards can be stacked with discounts or promotions. If you’re a regular, the free drinks come faster than you think.
Sephora Beauty Insider
Sephora’s Beauty Insider program has three levels: Insider, VIB, and Rouge. Everyone gets free birthday gifts, samples, and early access to sales. The more you spend, the more perks you unlock.
Members in higher tiers get exclusive products and invitations to events. Sephora also gives points with every purchase, which you can redeem for full-size products or special sets. If you buy skincare or makeup, this one pays off fast.
Amazon Prime and Amazon Visa
Amazon Prime is more than just fast shipping. Members also get access to movies, music, and special shopping events. If you combine it with the Amazon Visa card, you earn five percent back on Amazon purchases.
Cardholders also get two percent back at restaurants, gas stations, and drugstores. If you do a lot of shopping on Amazon, this combo can return serious value throughout the year. The key is to pay off your balance and use the cashback smartly.
Nike Membership
Nike’s free membership gives early access to products, special deals, and birthday rewards. It connects with their fitness apps, so your workouts can unlock exclusive gear.
In recent years, Nike has added personalized product picks and member-only sales. Whether you’re into running, basketball, or just love sneakers, this program rewards you for being active and loyal.
Tesco Clubcard (UK)
Tesco Clubcard offers regular discounts for members. In-store prices are often lower for Clubcard holders, and you also earn points every time you shop. Points turn into vouchers that can be used on groceries, gas, or partner brands.
If you shop at Tesco regularly, you’ll start to notice the savings. Many items are significantly cheaper with a Clubcard, and the points build up faster than most shoppers realize.
PC Optimum (Canada)
In Canada, PC Optimum combines points from grocery stores, pharmacies, and gas stations. You earn points on purchases and get weekly personalized offers based on your shopping habits.
Once you hit 10,000 points, you can redeem them for ten dollars off almost anything. Frequent shoppers can easily save twenty to thirty dollars a month just by using the app and planning around weekly deals.
Read More: How to Find the Best Daily Deals Without Scams
Flybuys (Australia)
Flybuys is a wide-reaching program in Australia. You earn points from Kohl’s, Kmart, Officeworks, and even at the gas pump. Points can be used for discounts at checkout, gift cards, or travel bookings.
Flybuys has also introduced personalized offers and bonus point challenges. For households that shop across different stores in the program, the savings add up quickly. It’s one of the few loyalty programs with real day-to-day value.
Why These Work
All seven programs share one thing in common: real benefits. They don’t just give you discounts once a year. They reward you for shopping habits you already have.
Many also use personalized offers. That means the more you engage, the better the rewards. You get what you’ll actually use—whether that’s free coffee, grocery discounts, or exclusive sneakers.
They’re also easy to manage. Most have apps that show your rewards, current offers, and ways to earn more points. You don’t need to carry a bunch of cards or track anything manually.
What to Look for in a Loyalty Program
Before signing up, ask yourself these questions:
- Do I shop here often enough to earn rewards?
- Are the points easy to use?
- Do the rewards expire quickly?
- Are there member-only prices or sales?
If a program rewards you for spending you’d do anyway, it’s worth it. But if you’re only earning pennies for every hundred dollars, or if you have to jump through hoops to redeem rewards, it might not be the best choice.
Store loyalty programs can be hit or miss. But when they’re good, they’re really good. The best ones give you discounts, free stuff, or exclusive access without asking for much in return.
Whether it’s groceries, beauty, fitness, or online shopping, these seven loyalty programs deliver real value. Pick the ones that match your lifestyle. Use them often. And enjoy the small wins that add up over time.
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