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What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores closetsamples
In a world filled with options, consumers often seek ways to maximize their savings while shopping. Loyalty programs and rewards apps have emerged as powerful tools, providing users with exclusive benefits and discounts. This article delves into the top loyalty programs and rewards apps designed to help you save money in stores.

What Are Loyalty Programs and Rewards Apps?

Loyalty programs are customer reward initiatives offered by businesses to encourage repeat purchases. Rewards apps, on the other hand, leverage technology to provide users with personalized discounts and perks. Both play a crucial role in enhancing the shopping experience while saving money.

Benefits of Loyalty Programs

Loyalty programs offer a myriad of advantages, such as exclusive discounts, early access to sales, and personalized recommendations. The sense of belonging to a community and the opportunity to earn rewards for loyalty make these programs enticing for consumers. 
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?
Image credit: Freepik

Choosing the Right Loyalty Program

Factors to Consider

When selecting a loyalty program, consider factors like the variety of rewards offered, ease of use, and the program's compatibility with your favorite stores. A well-chosen program can significantly enhance your overall shopping experience.
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?
Image credit: Freepik

What are the Top Loyalty programs and Rewards Apps to Save Money in stores? 

As of my knowledge, there are several loyalty programs and rewards apps that people commonly use to save money in stores. Keep in mind that the popularity and availability of these programs may vary by region, and new programs may have emerged since then. Here are some notable ones:
Loyalty Programs by Retailers: Many major retailers have their own loyalty programs that offer discounts, rewards, and exclusive deals. Examples include:
  1. Target Circle: Target's loyalty program.
  2. Walmart Rewards: Walmart's program for earning cash back on purchases.
  3. Amazon PrimeAmazon Prime offers a range of benefits, including free shipping, access to Prime Video, and exclusive deals for members.
  4. Best Buy RewardsBest Buy's loyalty program provides points for purchases, which can be redeemed for certificates and discounts on future purchases.
  5. Costco MembershipCostco's membership program gives access to bulk discounts and exclusive deals for Costco members.
  6. Lowe's MyLowe'sLowe's loyalty program offers personalized discounts, purchase tracking, and member-exclusive promotions.
  7. Dunkin' DD PerksDunkin' Donuts' loyalty program offers rewards for DD purchases, including free beverages and discounts.
  8. JCPenney RewardsJCPenney's loyalty program provides points for purchases, leading to discounts on future JCPenney shopping.
  9. Sephora Beauty InsiderSephora's loyalty program offers beauty enthusiasts rewards, including product samples, birthday gifts, and exclusive access to sales.
  10. T-Mobile TuesdaysT-Mobile customers can enjoy weekly perks and discounts through the T-Mobile Tuesdays app. 
  11. Kohl's RewardsKohl's loyalty program allows members to earn points for purchases and receive Kohl's Cash for future shopping.
  12. Macy's Plenti RewardsPlenti was a multi-brand loyalty program that allowed users to earn and redeem points across various participating retailers, though note that it may have undergone changes since my last update.
Grocery Store Apps: Many grocery stores have their own apps with loyalty programs and digital coupons. Examples include:
  1. Kroger Plus: Kroger's loyalty program.
  2. Safeway Just for U: Safeway's personalized deals app. 
  3. PublixThe Publix app offers digital coupons, a shopping list feature, and access to weekly ads with promotions and discounts. 
  4. Walmart GroceryThe Walmart Grocery app lets you order groceries online for pickup or delivery, and you can use the Savings Catcher feature to get refunds if a competitor offers a lower price. 
  5. Whole Foods Market (Android or iPhone): The Whole Foods Market app offers exclusive discounts for Prime members, digital coupons, and the ability to browse weekly sales.
  6. AldiThe Aldi app includes weekly specials, new product announcements, and shopping list features to enhance your Aldi shopping experience. 
  7. FlippFlipp is a shopping app that aggregates weekly ads and deals from various retailers, including grocery stores. It allows you to create a shopping list and find the best prices in your area.
Cashback Apps: These apps offer cashback or rewards for purchases at various retailers.
  1. Rakuten (formerly Ebates): Earn cashback on online and in-store purchases.
  2. Ibotta: Get cashback on grocery and retail purchases by uploading receipts.
  3. Fetch Rewards: Get cashback on grocery and retail purchases by uploading receipts.
  4. Receipt Hog: Get cashback on grocery and retail purchases by uploading receipts + taking surveys. 
  5. DoshDosh automatically gives you cashback when you make purchases with linked credit or debit cards at participating stores and restaurants. The cashback is credited to your Dosh account and can be transferred to your bank account or PayPal. 
  6. ShopkickShopkick rewards users with "kicks" for various activities like walking into stores, scanning product barcodes, and making purchases. Kicks can be redeemed for gift cards to popular retailers. 
  7. TopCashbackTopCashback offers cashback on purchases made through its affiliate links. It often provides higher cashback rates than other platforms, and users can withdraw their earnings via bank transfer, PayPal, or gift cards. 
  8. Checkout 51Checkout 51 provides cashback on grocery purchases. Users can browse weekly offers, upload their receipts, and receive cashback once their account reaches a minimum balance. 
  9. HoneyHoney is a browser extension that automatically applies coupon codes at checkout when shopping online. It also offers a rewards program called Honey Gold, where users can earn points that can be redeemed for gift cards. 
  10. SwagbucksSwagbucks offers various ways to earn "SB" points, including cashback for online shopping, taking surveys, watching videos, and more. Points can be redeemed for gift cards or PayPal cash. 
  11. Pogo: Earn on Everything: This is a mobile app that helps you save money on your everyday purchases. It connects to your bank accounts and other financial data, then finds and applies automatic rewards, coupons, and other savings opportunities for you. You can also earn cash back for sharing your data with Pogo, if you choose. Sign up through my link and be sure to enter my code: 7QXQZJ. You'll get 250 bonus pts after you've earned 5,000 points in the app.
Credit Card Rewards: Certain credit cards offer rewards and cashback on purchases.
  1. Chase Ultimate Rewards: Available with some Chase credit cards.
  2. American Express Membership Rewards: Offers points for various purchases. 
  3. Citi ThankYou RewardsCiti's ThankYou Rewards program allows cardholders to earn points on eligible purchases. Points can be redeemed for travel, gift cards, and other rewards.
  4. Capital One Venture RewardsThe Capital One Venture Rewards program offers miles on every purchase. Miles can be redeemed for travel expenses, and the card often provides flexibility when booking travel.
  5. Discover it Cash BackDiscover it Cash Back card offers rotating quarterly categories for cashback, and they match all the cashback you earn at the end of your first year.
  6. Wells Fargo Propel American Express CardThe Wells Fargo Propel card provides points on a variety of purchases, including travel and dining. Points can be redeemed for travel, cashback, or other rewards.
  7. Citi Double Cash CardWhile not a traditional rewards card, the Citi Double Cash Card offers cashback on all purchases, making it a simple and straightforward option for earning rewards.
Travel Rewards Programs: Some loyalty programs focus on travel rewards but can also offer benefits for everyday spending.
  1. Hilton HonorsHilton's loyalty program offers points for hotel stays, which can be redeemed for free nights and other travel-related benefits. 
  2. Bank of America Travel RewardsBank of America Travel Rewards card allows users to earn points on purchases, and these points can be redeemed for statement credits toward travel expenses. 
  3. Delta SkyMiles (Delta Air Lines): Delta's SkyMiles program allows travelers to earn miles for Delta flights and partner airlines. These miles can be redeemed for flights, upgrades, and other travel-related expenses.
  4. United MileagePlus (United Airlines): United MileagePlus members earn miles for flights with United and its partners. Miles can be used for flights, seat upgrades, and other travel experiences.
  5. American AAdvantage (American Airlines): American AAdvantage members accumulate miles for American Airlines and oneworld alliance flights. Miles can be redeemed for flights, upgrades, and vacation packages.
  6. Southwest Rapid Rewards (Southwest Airlines): Southwest's Rapid Rewards program allows members to earn points for flights, and points can be redeemed for Southwest flights with no blackout dates.
  7. Alaska Mileage Plan (Alaska Airlines): Alaska Mileage Plan offers miles for Alaska Airlines flights and those of its partners. Members can redeem miles for flights and enjoy perks like free checked bags.
  8. JetBlue TrueBlue (JetBlue Airways): JetBlue's TrueBlue program rewards members with points for JetBlue flights. Points can be used for flights and other travel benefits.
  9. Marriott Bonvoy (Marriott International): Marriott Bonvoy combines the loyalty programs of Marriott, SPG, and Ritz-Carlton. Members earn points for hotel stays and can redeem them for free nights, flights, and more.
  10. World of Hyatt (Hyatt Hotels Corporation): World of Hyatt members earn points for stays at Hyatt properties. Points can be used for free nights, room upgrades, and experiences.
  11. Amex Membership Rewards (American Express): While not a specific travel program, American Express Membership Rewards allows cardholders to transfer points to various airline and hotel partners, providing flexibility in redeeming for travel.
Gas Station Rewards: Many gas stations have loyalty programs offering discounts on fuel.
  1. Shell Fuel Rewards: Earn discounts on Shell fuel purchases. 
  2. BPme Rewards (BP): BPme Rewards offers discounts on fuel and convenience store purchases. Members can earn and redeem rewards directly through the BPme app.
  3. Exxon Mobil Rewards+Exxon Mobil Rewards+ lets users earn points on fuel and convenience store purchases at Exxon and Mobil stations. Points can be redeemed for savings on fuel or convenience store items.
  4. Chevron ExtraMile Rewards (Chevron): Chevron's ExtraMile Rewards program provides members with points for fuel and in-store purchases at participating ExtraMile locations. Points can be redeemed for discounts on fuel or select items.
  5. Speedway Speedy RewardsSpeedway's Speedy Rewards program allows members to earn points on fuel and in-store purchases. Points can be redeemed for discounts on fuel or various merchandise.
  6. Shell V-Power Club (Shell): Shell V-Power Club is a loyalty program specifically for Shell V-Power Nitro+ premium fuels. Members can earn and redeem rewards related to premium fuel purchases.
  7. ARCO PumpPASSARCO PumpPASS offers a loyalty program where users can link their PumpPASS card to their payment method and earn discounts on fuel.
  8. Sunoco APlus Rewards (Sunoco): Sunoco's APlus Rewards program allows members to earn discounts on fuel and APlus convenience store purchases. Points can be redeemed for savings at the pump or in-store.
  9. Kroger Fuel PointsWhile not specific to gas stations, Kroger's Fuel Points program allows customers to earn points on grocery purchases at Kroger stores. These points can then be used to save on fuel at Kroger Fuel Centers and participating Shell stations.
PRO TIP: Get the Upside app - Earn up to 25¢/gallon on every fill-up!
Mobile Payment Apps: Payment apps often come with loyalty programs.
  1. Starbucks Rewards: Earn stars for free drinks at Starbucks.
  2. Apple Pay/Google Pay: Some promotions and rewards may be available for using these platforms.
Pharmacy Loyalty Programs: Pharmacies often have rewards programs.
  1. CVS ExtraCare: Earn ExtraBucks rewards on qualifying purchases.
  2. Walgreens Balance RewardsWalgreens' loyalty program lets you earn points for purchases, which can be redeemed for discounts on future transactions. 
  3. Rite Aid Wellness+ RewardsRite Aid Wellness+ Rewards provides members with points for qualifying purchases, which can be redeemed for savings on future transactions. Members also enjoy exclusive sale prices.
  4. Walmart Pharmacy RewardsWalmart Pharmacy Rewards offers discounts on prescription medications for members. Savings can be obtained by presenting the membership card at the pharmacy.
  5. GoodRx GoldGoodRx Gold is a subscription-based service that provides members with additional discounts on prescription medications at participating pharmacies, including major chains and local pharmacies.
  6. Costco Member Prescription ProgramCostco's Member Prescription Program provides Costco members with discounts on certain prescription medications, including generic and brand-name drugs.
  7. Hy-Vee PharmacyHy-Vee Pharmacy offers a variety of health and wellness programs, including prescription savings for club members. Members can access discounts on medications and other pharmacy services.
Remember to check for updates and new programs in your area, as the landscape of loyalty programs is continually evolving. Additionally, always stay informed about the terms and conditions, expiration dates, and any changes to the programs to make the most of your loyalty rewards and save money while shopping.
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?Image credit: Freepik

How to Maximize Savings with Rewards Apps

Smart Strategies

To maximize savings with rewards apps, take advantage of stackable offers, track your rewards diligently, and explore referral programs. These strategies can amplify the benefits offered by the apps.
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?
Image credit: Freepik

Common Misconceptions about Loyalty Programs

Debunking Myths

Loyalty programs are not just about discounts; they also foster a sense of brand loyalty. Addressing common misconceptions, such as programs being time-consuming or not offering substantial rewards, can help users make informed choices. Some misconceptions about loyalty programs are: 
  1. Loyalty programs are only about discounts.
  2. Loyalty programs are time-consuming.
  3. Loyalty programs don't offer substantial rewards.
  4. Joining a loyalty program is complicated.
  5. Loyalty programs are not worth the effort.The Impact of Loyalty Programs on Consumer Behavior

Driving Customer Loyalty

Loyalty programs have a profound impact on consumer behavior, influencing purchasing decisions and fostering a connection between customers and brands. Understanding this dynamic can help businesses tailor their programs for maximum effectiveness.

The Future of Loyalty Programs

Technological Innovations

The future of loyalty programs lies in technological innovations, including augmented reality and machine learning. These advancements aim to provide users with even more personalized and immersive experiences.
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?
Image credit: Freepik


Are Loyalty Programs Worth it?

Loyalty programs can be highly worthwhile, offering tangible benefits and enhancing your overall shopping experience.

How Do Rewards Apps Save Money?

Rewards apps analyze your spending patterns and provide personalized discounts, ensuring you save money on your purchases.

What Features Make a Loyalty Program Stand Out?

A standout loyalty program offers diverse rewards, a user-friendly interface, and seamless integration with your favorite stores.

How Can I Join a Loyalty Program?

Joining a loyalty program is usually free and can be done through the respective store's website or app.

Can I Use Multiple Rewards Apps Simultaneously?

Yes, in many cases, using multiple rewards apps simultaneously is possible, allowing you to maximize your savings.

How Often Should I Check for Rewards?

Regularly checking for rewards is advisable, as many programs update their offers frequently. Checking before each shopping trip ensures you don't miss out.
What Are the Top Loyalty Programs and Rewards Apps to Save Money in Stores?
Image credit: Freepik


In the ever-evolving landscape of retail, loyalty programs and rewards apps stand as beacons of value for savvy shoppers. By understanding the top programs and strategic approaches to maximize savings, you can embark on a rewarding shopping journey. Embrace the future of loyalty programs, and watch as your loyalty pays off.
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